SUMMARY OF IMPORTANT CREDIT TERMS 
This Summary of Important Credit Terms is part of the Card Agreement. 

  Interest Rates and Interest Charges 

Platinum Card 

Platinum Rewards Card 

Secured Card 

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Cash 
Advances 

Paying Interest 

9.99% 
This  APR  will  vary  with the 
market  based  on the Prime 
Rate. 

11.99% 
This  APR  will  vary  with  the 
market  based  on the Prime 
Rate. 

18.99% 

This APR  will  vary  with the 
market  based  on  the Prime 
Rate. 

9.99% 
This APR will vary with the 
market based on the Prime 
Rate. 

11.99% 
This APR will vary with the 
market based on the Prime 
Rate. 

18.99% 
This APR will vary with the 
market based on the Prime 
Rate. 

Your due date is at least 27 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay your entire balance by the due date each month. 
We will begin charging interest on cash advances on the transaction date. 

For Credit Card Tips  To  learn more  about factors to consider when applying for or using a credit card, visit the 
from the Consumer  website of  the Consumer  Financial Protection Bureau  at   
Financial Protection  http://www.consumerfinance.gov/learnmore 
Bureau 

Fees 

Annual Fee 
Transaction Fees 

 Cash Advance

 Foreign 
Transaction

Penalty Fees 

  Late Payment 

  Returned 
Payment 

None 

None 

None 

Up to $35 

Up to $35 

  Returned Check 

$10 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases).” See the First Financial Bank Card Agreement, below. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in the First Financial Bank Card Agreement, below. 

Terms and Conditions 

Balance Transfers - Under the Card Agreement,  balance transfers are treated like purchases. They are 
subject to the purchase APR and there is no fee to transfer a balance. However, if your account has rewards, 
balance transfers do not earn rewards. 

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Variable Rate Based on the Prime Rate: Variable APRs are based on the U.S. Prime Rate as 
03-16-2020. The APR may increase or decrease monthly if the Prime Rate changes during that period, but    
will never   exceed 25%. This information was accurate as of the date specified above and is subject to    
change after that date. Contact us at 1-800-221-8890 for any  change in the information since it    was printed. 

Prepayment: You may pay the unpaid balance of the account in whole or in part at any time. 

OH Residents - The   Ohio laws against discrimination require that all creditors make credit equally available  
to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each 
individual  upon request.  The Ohio Civil  Rights  Commission administers  compliance with this  law. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the 
government  fight  the  funding  of  terrorism  and  money  laundering  activities,  Federal  law  requires  all  financial 
institutions  to  obtain,  verify,  and  record  information  that  identifies  each  person  who  opens  an  account.  What  
this means  for you: When you  open  an  account,  we will  ask  for your  name, address,  date  of  birth,  and  other 
information  that  will allow  us to identify you. We may  also  ask to  see your  driver’s license  or  other identifying 
documents; and obtain identification information about you or any authorized user you add to your account. 

Credit Reports - We may order credit reports in connection with processing applications/solicitations and 
any update, renewal or extension of credit. Upon request, we will tell you the name and address of any 
consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by 
signing or otherwise submitting an application or solicitation. 

About This Offer - This offer is valid  for new accounts only. You must be at least 18 years of age. This 
offer is available only to applicants who are permanent residents of the U.S. and reside in the 
United States. If at the time of your application you do not meet the credit or income criteria previously 
established for this offer, or the income you report is insufficient based on your current obligations, we may  
be unable to open an account for you. Additional fees and account terms will be described in the Card 
Agreement that will be provided with the card upon approval. Upon approval, you will receive a Card 
Agreement.  You agree that  the Card Agreement  and the account are governed by Ohio and federal   law. 
The terms of your account, including rates and fees, are subject to change, to the extent permitted by law. 

Credit Line - We determine your credit line based on a review of information bearing on your  
creditworthiness. If this is a secured card account, you agree to establish and maintain a deposit account as 
security for the Account with an amount of funds equal to your credit line. 

Payment Allocation - Payment for up to the Minimum Payment amount will be applied at our discretion,      
and may be applied first to fees and interest, then to the balance with the lowest APR on your Account, and 
then to balances with higher APRs. Payment amounts in excess of the Minimum Payment will first  be applied 
to the balances with the higher APRs before balances with lower APRs, except as otherwise required by 
applicable law.  Credits  will be applied at our discretion. 

Mobile Telephone - Permission to Contact - By giving us your mobile telephone number, we have your 
permission to contact you at that number regarding all accounts you have with us. Your consent allows us to 
use text messaging, artificial or prerecorded voice messages and automatic dialing technology for   
informational and account service calls, but not for telemarketing or sales calls. It may include calls from 
companies working on our behalf to service your account. Message and data rates may apply. You can   
change these preferences  at any  time by contacting  us. 

Jury Trial and Class Claims Waiver and Arbitration - The Card Agreement contains an Arbitration 
provision with a jury trial and class claims waiver, which impacts your rights, including your right to bring or 
participate in a class action or have  a jury trial in the event  of a dispute between you and us. If you do not 
agree, do not submit an application. 

Rev. 03-2020 

 
 
 
 
 
 
 
 
 
 
Information Sharing - Our Privacy Policy is available online at Bankatfirst.com. 

This card is issued by First Financial Bank, Cincinnati, OH. 

Visa® is a registered trademark of Visa International Service Association and used under license.  

First Financial Bank Card Agreement 

This document and the Interest Rate and Interest Charges table (“Summary”) are your agreement with us 
(“Agreement”) and govern your credit card (“Account”). You accept this Agreement by signing, including 
electronically, the application or sales slip or other evidence of indebtedness. 

DEFINITIONS 

You, your: a person who signed or otherwise applied for a Card. We, us, our: First Financial Bank, the 
issuer of the Card. Authorized User: anyone you allow to use the Card or Account, whether you tell us or 
not. Bill: the billing statement for the Account. Balance Transfer: transfer of a balance to the   Account. 
Balance Transfers are treated like Purchases. Business Days: Monday to Friday, except Federal Reserve 
Bank holidays. Card: a card, Account number, or other access device issued to you, or someone with your 
authorization. Cash Advance: use of the Card to obtain cash from an ATM or financial institution; to load   
or purchase stored value; to purchase lottery tickets, money orders, casino chips, or foreign currency; or 
similar actions. Check: a check we give you to access the Account. It is at the Cash Advance APR. New 
Balance: total amount you owe at the end of a billing cycle. Purchase: use of the Card to buy or lease 
goods or services where the Card is honored. 

ACCOUNT 

Use. You may use the Account for Purchases, Cash Advances, Check transactions or Balance Transfers. 
You may not use it for purchases of securities or commodities, business purposes, or for illegal   
transactions. You may not use a Check to pay us or our affiliate. You agree to pay us all amounts due on   
the Account, including charges made by Authorized Users. We may not authorize a transaction for security  
or other reasons. We will not be liable to you if we decline to authorize a transaction or if the Card is  
refused. 

Credit Line. You must keep the Account balance below the Account credit line. If you do not, we may 
request immediate payment of the amount by which you exceed it. We may set a lower credit line for Cash 
Advances. We may change the credit lines without notice. We may delay increasing available credit by the 
amount of a payment we receive for  up to 10 business  days. 

Cancellation. You may cancel the Account at any time by notifying us. We may cancel or suspend the 
Account at any time without notice. You remain responsible for any amount you owe under this 
Agreement. 

Payments. You may pay the balance at any time. You must pay at least the Minimum Payment by the 
payment due date each month. You must pay us in U.S. dollars drawn on funds on deposit in the U.S. We 
credit payments in accordance with the terms on the Bill. If you mail a payment to an address other than 
the one specified on the Bill, there may be a delay in crediting the payment. We apply payments up to the 
Minimum Payment and all credits to the balances on the Account in any order we select. We always apply 
payments as required by law. We can accept late payments, partial payments, or payments marked 
“Payment in Full” or with another restrictive endorsement  without losing our rights  under this  Agreement.  

Calculating Interest-Average Daily Balance Method (including new charges). Balance Transfers are 
treated like Purchases for interest calculation purposes. We calculate interest separately for each 

INTEREST 

Rev. 03-20202 

 
 
 
 
Category (Purchases, Checks, Cash Advances, and different promotional balances). First, we calculate the 
average  daily balance for a Category. Each day, we start with the beginning balance. (For the first day of  
the billing cycle, this is the balance on the last day of the previous billing cycle, minus unpaid interest or 
fees.) We add new transactions, subtract new payments and credits, and make adjustments. We add up  
the daily balances for the billing cycle and divide by the number of days in the billing cycle to get the  
average  daily balance. Second, we multiply the average daily balance for each Category by its periodic    
rate and, if the periodic rate is daily, by the number of days in the billing cycle. This gives us the interest for 
the Category for the billing cycle. A monthly periodic rate is the Annual Percentage Rate (“APR”) divided by 
12.  A daily periodic rate is the APR divided by 365. The total interest for the billing cycle equals the sum of 
the interest for each Category. 

When Interest Begins. We begin charging interest on Purchases, Checks, and Cash Advances on the  
date of the transaction. If you paid the New Balance on the previous Bill by the Payment Due Date on that 
Bill, we will not impose interest on any portion of new Purchases (ones that first appear on the current Bill)   
if paid by the Payment Due Date on the current Bill. There is no grace period for Checks or Cash 
Advances. 

New  Balance.  To calculate the  New Balance  at  the  end  of  a  billing  cycle,  we  begin  with the  total  Account 
balance  at the start  of  that  billing cycle,  add  new  transactions, subtract  new credits  or  payments,  add new 
interest or fees  and make other adjustments (for example, if you have disputed a  charge) 

Variable APR. A variable APR equals the sum of the Margin we specify and the U.S. Prime Rate (“Index”) 
quoted in the Money Rates Table of The Wall Street Journal on the 10th business day of the month. The 
APR will increase if the Index increases. A change to the Index takes effect the first day of the billing cycle 
that begins in the following month and will apply to new and existing balances. If an APR increases, the 
amount of interest and the Minimum Payment may increase. If The Wall Street Journal ceases publication, 
we will select a new index and notify  you. 

See Summary for  more fee  information 

FEES 

Annual. At Account opening and each year after we charge the Annual fee; see the Summary. Foreign. 
For a transaction made outside the U.S. or not in U.S. dollars we charge the fee; see the Summary. Late 
Payment. If we do not receive the Minimum Payment by six days after the payment due date, we charge   
a Late Payment fee. It is the lesser of $25 ($35 if a payment is late again within six billing cycles) or the 
Minimum Payment due when the payment was late. Returned Payment.  If any  payment on the Account 
is not honored, we charge a Returned Payment fee. It is the lesser of $25 ($35 if another payment is 
returned within six billing cycles) or the Minimum Payment due immediately before the payment was 
returned. Returned Check. If we don’t pay a Check because, for example, the amount of the Check   
would exceed the available Credit Line, we receive it after its expiration date, it is postdated, you are in 
default, or the Account is suspended or cancelled; we charge a $10 fee. Stop Payment. If we agree to 
stop payment on a Check, we charge a $10 fee, whether or not we successfully stop payment, subject to 
any restrictions of applicable law. 

OTHER 

Contact us. Unless we tell you otherwise, you may contact us at 877-339-4078 or at 225 Pictoria Dr., 
Suite 600 – Card Services, Cincinnati, Ohio 45246. Contact us within 15 days after changing your email 
address, mailing address or phone  number. 

Lost/Stolen Cards. Notify us immediately if the Card is lost or stolen, or if someone may be using the 
Account or Card without permission. 

Default. You are in default if you fail to make a required payment on your Account or another account 
with us when due, die, file bankruptcy or become insolvent, exceed the Credit Line, or have  given us any 
false, misleading, or incomplete information. Upon default, we may declare  the Account balance 
immediately due and payable without notice. 

Rev. 03-2020 

 
 
 
Joint Accounts. Each of you agrees to be liable individually and jointly for the entire amount owed. 
Notice to one of you serves as notice to both. 

Foreign Transactions. The credit card association converts transactions in foreign currency into U.S. 
dollars using a wholesale or government-mandated rate. 

Information Sharing. We send you our Privacy Policy when you open the Account and annually. It 
summarizes the personal information we collect, how we safeguard it, when it may be shared with others, 
and how you can limit our sharing. Contact us or visit Bankatfirst.com for a copy.  

Credit Reports. We may review your credit, employment, and income records. We may report  the status 
and payment history of the Account to credit reporting agencies and other creditors. If you believe 
information we have reported is inaccurate or incomplete, write us at 225 Pictoria Dr., Suite 600 – Card 
Services, Cincinnati, Ohio 45246. If you have the credit report, send a copy. 

Waiver. We may delay or not enforce our rights under this Agreement without losing or waiving any of 
them. 

Changes. We may at any time change, add to, or delete any of the terms and conditions in this 
Agreement. We will give notice as required by law. 

Governing Law. This Agreement is governed by applicable federal law and by Ohio law, without regard   
to Ohio’s conflicts of law rules. We will not charge interest or fees prohibited by  law. 

Assignment. We may sell, assign or transfer the Account or a portion of it without notice. You may not sell, 
assign, or transfer the Account. 

Severability. If any part of this Agreement is found to be invalid, the rest will remain in effect. However,  if 
the “No Jury  Trial or Class Claims” section in the arbitration provision is invalidated in a proceeding in 
which you and we are involved,  then the arbitration provision will be void  with respect to that   proceeding. 

ARBITRATION 

If you are a Covered  Borrower under the Military Lending Act, this section does not apply. This arbitration 
“provision” describes how all Claims (defined below) will be arbitrated, if you or we elect, instead of litigated  
in court. 

Definitions. For purposes of this provision, “you” and “us” also includes any corporate affiliates, licensees, 
predecessors, successors, assigns, purchaser of any accounts, and all agents, employees, directors and 
representatives of any of the foregoing, and other persons referred to in the definition of “Claim.” “Claim” 
means any past, present, or future dispute or controversy between you and us relating to this Account and 
includes claims by or against any third party relating to the Account. The term “Claim” is to be given the 
broadest possible enforceable meaning. However,   “Claim” does  not  include a claim challenging the  validity 
or enforceability of this provision, including the class action waiver. “Administrator” means the American 
Arbitration Association, www.adr.org, (800) 778-7879; or JAMS, www.jamsadr.com, (949) 224-1810. 

Right to Elect Arbitration. Either we OR you may choose to resolve each Claim by arbitration at any time 
unless the Claim  has been filed in court and trial has begun or final judgment entered. We will not elect 
arbitration for any Claim you file in small claims court, so long as the Claim is individual and pending only in 
that court. The arbitrator's authority to resolve Claims and make awards or decisions is limited to you and 
us alone. Claims between you and us may not be joined or consolidated in arbitration with claims brought 
by or against someone other  than you, unless agreed to in writing  by all parties. However,  corporate 
affiliates are considered  one person  for the purposes of  this section. No arbitration  award has any 
preclusive effect as to any dispute involving anyone  who is not a party to the arbitration. This arbitration 
provision is made pursuant to a transaction involving interstate commerce and governed by the Federal 
Arbitration Act (“FAA”). 

Rev. 03-2020 

 
 
No Jury Trial or Class Claims. If we or you request arbitration of a Claim, neither has the right to litigate 
the Claim in court and the Claim must be arbitrated on an individual basis. This means there is no jury trial, 
discovery may be limited, and no Claim may be arbitrated on a class-action, private attorney general, or 
other  representative basis, and neither  we nor you has the right to  participate in any class or group of 
claimants pertaining to any Claim subject to arbitration. 

Rules. The party initiating arbitration shall select an Administrator from the list above. If no Administrator is 
available, the arbitration shall be administered by an administrator or arbitrator upon which you and we 
agree to in writing. The arbitration shall be governed by the rules of the chosen Administrator and this 
Agreement. These rules may limit discovery. You can get a copy of an Administrator’s rules from the 
Administrator. A single, neutral arbitrator resolves Claims. The arbitrator is either a lawyer with at least 10 
years’ experience or a retired or former judge, selected in accordance with the Administrator’s rules. The 
arbitrator takes  reasonable steps to protect  customer account  information and other confidential  
information if requested by you or us. Arbitration hearings take place in the federal judicial district in which 
you reside. If you wish to begin an arbitration of your Claim against us but cannot afford the Administrator’s 
costs and cannot in good faith obtain a waiver from the Administrator, we advance those costs if you ask   
us in writing. If you lose the arbitration, the arbitrator decides if you have to repay the advance. Unless 
applicable law requires, each party pays their own lawyers’, experts’, and witnesses’ fees. The arbitrator 
applies applicable substantive law consistent with the FAA and applicable statutes of limitations, honors 
claims of privilege, and has the power to award any damages or other relief provided for under  applicable  
law. The arbitrator makes any  award in writing and, if requested, provides  a brief statement of   reasons. 

Arbitration Award and Appeals. Judgment upon the arbitrator’s award may be entered in any court with 
jurisdiction. The arbitrator’s decision is final and binding, except for any appeal right under FAA. The 
appealing party pays the appeal costs. This agreement to arbitrate shall survive any suspension,  
termination, revocation, or closure of the Agreement or Account, and any bankruptcy to the extent 
consistent with applicable law. 

Enforcement of this Provision. If any part of this arbitration provision cannot be enforced, the rest 
continues to apply. However, an arbitrator cannot enlarge his or her authority beyond that provided by this 
arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines that 
applicable law requires this arbitration provision to be enforced in a way that enlarges his or her authority, 
such as the adjudication of claims on a class or representative basis, then the arbitrator must decline to 
hear the dispute and refer the parties to a court or other body with sufficient authority. In the event of any 
conflict or inconsistency between this arbitration provision and the Administrator's rules or other provisions   
of  this  Agreement, this arbitration provision governs. 

Your Billing Rights. Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  

What to Do If You Find a Mistake on Your Bill. 

If you think there is an error on your Bill, write to us at the address listed on your Bill. You may also contact 
us on the Web: www.bankatfirst.com. In your letter, give us the following information: 

  Account information: Your name and account number
  Dollar amount: The dollar amount of the suspectederror
  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.

You must contact us: 

  Within 60 days after the error appeared on your Bill.
  At least 3 business days before an automated payment is scheduled, if you want tostop payment 

on the amount you think is wrong.

  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  you  may  have  to  pay  the  amount  in 
question.

Rev. 03-2020 

 
 
 
What Will Happen After We Receive Your Letter. 

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 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 explain why we 

believe the Bill is correct. 

While we investigate whether or not there has been an error: 

  We cannot try to collect any amount in question, or report you as delinquent on that amount.
  The charge in question may remain on your Bill, and we may continue to charge you interest on 

that amount.

  While you do not have to pay the amount in question, you are responsible for the remainder of 

your  balance.

  We can apply any unpaid amount against your credit limit.

After we  finish our  investigation  one  of two things will happen: 

1. 

2. 

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. 
If we do not believe there was a mistake: You must pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount that 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 owe. 

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, we cannot report you as delinquent without also reporting that you 
are questioning your Bill. We must tell you the name of any one to whom we reported you as delinquent, 
and we  must let those organizations know when the matter has  been settled between  us. 

If we do not follow all the rules above, you do not have  to pay the first $50 of the amount you question, 
even  if your Bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. 

If you are dissatisfied with the goods or services that you purchased with your credit card, and you 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 purchase. 

To  use this right, all the following  must be true: 

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 than $50. (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 goods or  services.) 

2.  You must have  used your credit card for the purchase. Purchases made with cash advances 

from an ATM or with a check that accesses your credit card account do not qualify. 

3.  You must not yet have  fully paid for the purchase. 

If all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or 
electronically at the address listed on your Bill or on the Web at www.bankatfirst.com. 

While we investigate, the same rules apply to the disputed amount as discussed above. 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. 

Rev. 03-2020