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 use that 
occurs before you notify us.
VISA SIGNATURE POINTS PROGRAM 
Awarding Points. On each monthly billing cycle closing date we will award two 
points to your Visa Signature points account for each net dollar in new purchases 
at  merchants  classified  by  Visa  as  a  service  station,  automated  fuel  dispenser 
or restaurant and one point to your Visa Signature points account for each net 
dollar in new purchases at other merchants posted to your Visa Signature card 
account  during  that  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 Agreement or if we have terminated or suspended your credit 
privileges in accordance with this Agreement or applicable law. Cash Advances, 
Balance Transfers, convenience checks, debit transactions initiated by us, finance 
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 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 account for each dollar in 
returned purchase credits. Points may be 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 the last day of the calendar year in which awarded. For 
example,  points  awarded  in  January  2015,  if  not  redeemed,  will  expire  and  be 
forfeited on December 31, 2018. If you close your Visa Signature card account, 
or  if  we  terminate  or  suspend  your  credit  privileges  in  accordance  with  this 
Agreement or applicable law, then all accumulated points not yet redeemed will 
be forfeited. 
Redeeming Points. We contract with an agency to provide Visa Signature services. 
You authorize us to share information concerning your account with the agency, 
its employees and representatives (collectively, the “Agency”), including but not 
limited to any and all information reflected on your Visa Signature card account 
statement  and  recent  transactions  on  your  Visa  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 not reimburse you) for transactions 
that  you  conduct  through  the  Agency,  whether  or  not  you  are  redeeming  Visa 
Signature points. You may not use Visa Signature points to pay the Agency’s fees. 
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 addition, 
you  must  have  the  minimum  number  of  points  required  for  redemption  as 
published in the Visa Signature guidelines on our website. 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 nor require further notice to you before we enforce 
them.  Subject  to  those  conditions,  you  may  redeem  your  points  by  calling  the 
Visa Signature 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. 
Points may be redeemed according to the Visa Signature Point Redemption Terms 
published in the current Visa Signature guidelines. Visa Signature points may be 
redeemed only through 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 payment for any obligation you owe to us. 
Provision  of  Travel  Services.  The  Agency  will  provide  travel  agency  services 
directly  to  Visa  Signature  cardholders.  Those  services  include  describing  the 

flights available for the amount of points you are redeeming, assisting in ticket 
selection, making reservations for available flights offered by participating 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 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 have selected. 
Our  only  responsibility  in  this  regard  is  to  provide  correct  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  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 account as 
a purchase. 
Program  Restrictions  and  Other  Considerations.  Certain  restrictions  and 
additional terms apply to your Visa Signature Points Program. You should refer 
to  the  Visa  Signature  Guidelines  on  Bank’s  website  for  the  current  program 
restrictions and terms. Topics addressed in the Visa Signature Guidelines include: 
Point  Redemption  Terms,  Points,  Redemptions,  Tickets  and  Fees.  All  travel 
services are subject to availability; you may not be able to obtain travel services 
for all destinations or flights. 
Termination and Modification. We may terminate or modify the Visa Signature 
Points Program at any time without cause, without notice and without affecting 
your privileges to use your credit card account for Purchases, Balance Transfers 
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; and 
you may not rely upon the continued effectiveness or availability of any previously 
published,  or  otherwise  communicated,  redemption  terms.  We  may  cancel  or 
change program benefits, redemption levels, conditions for your participation in 
the program, and rules for earning, redeeming or forfeiting Points at any time, even 
though such changes may prevent your use of the Points you have accumulated. 
ARBITRATION PROVISION
ARBITRATION:  PLEASE  READ  THE  FOLLOWING  ARBITRATION  PROVISION 
CAREFULLY.  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CONSUMER 
CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT 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 COURT OR TO 
PARTICIPATE  IN  A  CLASS  ACTION  PROCEEDING.  RIGHTS  YOU  WOULD  HAVE 
IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE 
THE  RIGHT  TO  CONDUCT  DISCOVERY  OR  TO  APPEAL.  FEES  AND  EXPENSES 
OF  ARBITRATION  MAY  BE  HIGHER  THAN  THOSE  ASSOCIATED  WITH  COURT 
PROCEEDINGS.  THE  ARBITRATOR’S  DECISION  WILL  BE  BINDING,  EXCEPT  AS 
PROVIDED BELOW. 
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 
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¬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  mandatory,  binding  arbitration  pursuant  to  this  Arbitration  Provision.  This 
Arbitration  Provision  is  made  pursuant  to  a  transaction  involving  interstate 
commerce and shall be governed by and enforceable under the Federal Arbitration 
Act (the FAA). 

8 

9 

Definitions  for  Arbitration  Provision.  As  used  in  this  Arbitration  Provision,  the 
following terms have the following definitions. The words we, our and us mean 
First Horizon Bank, its parent company, and their direct and indirect subsidiaries 
and affiliates, together with their employees, officers, directors, successors, and 
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 
foregoing, and anyone claiming through such person or incident to the account.. 
The word “Consumer” means a natural person who holds an account primarily 
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 
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 
following: 

•  the formation, application, enforceability, or interpretation of this Arbitration 

Provision or other part of the Agreement; 

•  any  advertisements,  solicitations,  disclosures  or  other  communications 
relating  to  the  account,  whether  made  before  or  after  the  account  was 
opened; 

•  the opening, administration and termination of the account; 
•  any transactions involving the account; 
•  any interest, fees and other charges to the account; 
•  any products or services (whether provided by us or a third party) related 

to or offered in connection with 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 

with us.

All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration 
Provision, regardless of whether the Claim: (i) previously existed, is now existing 
(whether discovered or undiscovered) or arises later; (ii) is based on a theory of 
contract,  tort  (including  intentional  tort),  negligence,  agency  or  other  vicarious 
liability, fraud, statute, regulation, constitution, or any other 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, 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 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 individual basis as set forth below.) Joint Cardholders, 
applicants and authorized 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 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 be enforced. 
Initiation  of  Arbitration.  The  party  electing  arbitration  must  use  the  arbitration 
administrator  shown  below  and  follow  its  rules  and  procedures,  except  as 
otherwise  stated  in  this  Arbitration  Provision.  Copies  of  its  current  rules, 
procedures, forms, and related information, including information about how to 
file a Claim, may be obtained by contacting the Administrator as follows: 

American Arbitration Association
Case Filing Services
1101 Laurel Oak Road, Suite 100
Voorhees, NJ 08043

10 

Toll free number: 877-495-4185
http://www.adr.org 
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 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 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.  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 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 Class Action Waiver set 
forth below still applies. 
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 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. 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 arbitration (Class Action 
Waiver).  Any  Claim  resolved  by  arbitration  shall  be  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 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 consolidated in arbitration with Claims 
brought  by  or  against  someone  other  than  you,  unless  otherwise  agreed  to  in 
writing by all parties. 
Severability. The parties to this Arbitration Provision acknowledge that the Class 
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 Action 
Waiver is limited, voided or found unenforceable, then the parties’ 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 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 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 to apply. 
Arbitration Procedures and Law. A single arbitrator chosen by the Administrator 
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 conflict with the Administrator’s rules and procedures. Discovery 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 
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 
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 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 
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 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 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 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 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 
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 
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 
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 
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, 
regardless of who prevails. 
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 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 
arbitration award will be enforceable under the FAA by any court having jurisdiction. 
Survival  of  Arbitration  Provision.  This  Arbitration  Provision  shall  survive:  (i) 
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 
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 
agreement regarding arbitration of Claims must be agreed in writing. 
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 Statement 
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 login to Banking Online and 
submit a transaction dispute. You will need to give us the following information: 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  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 statement. 
•  At least 3 business days before an automated payment is scheduled, if you 

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 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. 
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. 

11 

12 

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. 

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 

on that amount. 

•  The  charge  in  question  may  remain  on  your  statement,  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: 

•  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 will have to pay the amount 
in  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 
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 so, we cannot 
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 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 
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 have purchased with 
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 
purchase. 
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 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 
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. 
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, 
contact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-
1545. You may also contact us by logging in to Banking Online and submitting 
a transaction dispute. 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. 

M-129675 

Rev. 8/19

13

VISA SIGNATURE  
CARDHOLDER AGREEMENT  
and Disclosures Under The Federal Truth In Lending Act
Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
Standard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Billing Statements  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
New Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Minimum Payment Calculation   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Payment Processing  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Visa Money Transfer  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Grace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Annual Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Collection Costs and Attorneys’ Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
Liability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Visa Signature Points Program   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Awarding Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Redeeming Points  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Provision of Travel Services  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Program Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9
Termination and Modification  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
ARBITRATION  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

 
 
 
 
 
 
 
 
 
 
Agreement  and  Definitions.  This  Cardholder  Agreement,  the  folder  containing 
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 agreement 
as  provided  herein,  the  Visa  Signature  Guidelines  included  on  your  application 
and published and periodically updated online, 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 evidence of indebtedness on 
the credit card account constitute the contract 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 applied for or otherwise agreed to be 
responsible for the account. The words “we”, “our”, and “us”, mean First Horizon 
Bank, and its successors, assigns, agents and/or authorized 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 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 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 liability companies.
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 
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  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, economic and market conditions and trends, product parameters, and 
our 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 
and applicable law.
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 
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 
goods and services and to get Cash Advances. 
Cash Advances include cash obtained from participating financial institutions and 
ATMs,  transactions  using  checks  to  access  your  account,  and  cash-equivalent 
transactions  (including  purchases  of  travelers’  checks,  casino  chips  and  other 
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 
a surcharge imposed by the ATM owner.
Purchases  are  transactions  initiated  with  the  card  or  account  for  the  purchase 
of  goods  or  services  from  participating  merchants  (excluding  cash-equivalent 
transactions) and such other charges we designate as Purchases.
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 
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 
not considered a Balance Transfer under this Agreement.
Standard (Variable) Rates. Except as otherwise stated in this “Standard  
(Variable) Rates” provision or upon amendment of this Agreement, the monthly 
periodic  rates  and  corresponding  APRs  used  to  compute  the  periodic  interest 
charges on your account will be variable rates which may increase or decrease 
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for  each  new  billing  cycle  based  on  changes  in  the  U.S.  Prime  Rate  published 
in  The  Wall  Street  Journal  (“Prime”).  Your  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 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 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 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 your interest charges and may increase your minimum 
monthly payment.
Your APRs on Purchases, Balance Transfers and Cash Advances will equal the 
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 
and monthly periodic rates for Purchases, Balance Transfers and Cash Advances 
are shown on the enclosed folder containing your card which includes the Account 
Opening Disclosure Table on the back of the folder.
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 
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 
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 
the account to another person.
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 
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 
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 
credit  limit  immediately  upon  request.  Without  additional  notice  we  may  limit 
the number or dollar amount of account transactions, and/or authorizations for 
transactions, within your credit limit for security or other reasons.
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 
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 
transaction  posted  to  your  account,  your  New  Balance,  Payment  Due  Date, 
Minimum Payment Due, Interest Charges, Fees and other important information. 
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.
Making Payments:
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 
off your balance.
Application  of  Payments.  We  will  determine,  at  our  discretion,  the  amount  of 
and  order  in  which  minimum  payments  will  be  applied  to  Purchases,  Balance 
Transfers, Cash Advances, Interest, Finance Charges and other fees and charges. 
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 
APRs. If you make more than the minimum payment, we will allocate amounts 
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in 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 
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, 
including transactions subject to higher APRs posted since your last statement.
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 
Activity section.
Minimum Payment Calculation. You may pay all or part of your balance at any 
time, but each month you must pay at least the Minimum Payment Due shown 
on 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  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 limit amount in the current cycle, or (d) $25.00; plus (2) net 
fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 
assessed in the current billing cycle; plus (3) all amounts past due.
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 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  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 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  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 
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 which are otherwise improper without losing any of our rights under this 
Agreement, including our right to require payment of the entire balance.
Payment  Processing.  Payments  accompanied  by  the  payment  coupon  are 
proper  payments.  Payments  not  accompanied  by  the  payment  coupon  MUST 
include the current account number and other information as needed to identify 
the  appropriate  account  in  order  to  be  proper  payments.  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:

•  Payments  received  at  BankCard  Center,  P.O.  Box  385,  Memphis,  TN 

38101¬0385 by 5:00 p.m. CT

•  Payments  delivered  in  person  to  and  processed  by  an  employee  at  a 
financial  center,  or  other  bank  location  that  accepts  such  payments,  by 
close of business at that location

•  Payments made via Banking Online website by 8:00 p.m. CT

Proper payments received on a day that the bank does not process 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.
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 
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 

of  receipt.  We  have  the  right  to  refuse/return  a  transfer  restricted/prohibited  by 
applicable federal, state or local law or by this Agreement.
Finance Charges.
Interest Charges. We will impose periodic interest charges based on the monthly 
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 from the date that transactions are posted to your account, except for 
Purchase transactions that may be eligible for a grace period (see Paying Interest 
section of this Agreement).
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  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  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 statement.
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 
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 
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 
wholesale currency markets for the applicable central processing date (which 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 converted 
amount. We will not charge a currency conversion fee to Visa Signature accounts.
Paying Interest:
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 
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.
Grace  Period  for  Balance  Transfers.  You  will  have  a  grace  period  during  which 
we will not impose an interest charge on Balance Transfers if you pay 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 Balance Transfers.
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. 
Calculating Average Daily Balance:
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 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.
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 

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 
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 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 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 interest charge on 
Balance Transfers.
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 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 
to determine the amount of your periodic interest charge on Cash Advances.
Other Fees and Charges:
Annual Fee. $0
Eligibility. To be eligible for a Visa Signature Card, you must have a minimum gross 
annual income of $35,000.
Cash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new 
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 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 billing statement in 
the Fees Charged section.
Balance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each 
new Balance Transfer. However, the fee will not be less than $10 per transaction 
or more than the amount allowed by applicable law or regulation. Each Balance 
Transfer Fee will be itemized in the Transactions section on your billing statement. 
The  total  amount  of  any  Balance  Transfer  Fee(s)  will  be  shown  on  your  billing 
statement in the Fees Charged section.
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, 
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 billing cycles.
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 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.
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 
Agreement.
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 
personal  residence,  we  waive  any  claim  we  might  otherwise  have  to  treat  that 
property as collateral for this account.

3 

4 

5 

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 
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.
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 
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 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,  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 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 activity 
on this account appears on a credit report, please write us at BankCard 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 
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 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 
owing on the account, as allowed under applicable law.
Closing or Suspending your Account – Non-default. You may close your account 
at any time by notifying us in writing or by calling us. If more than one person is 
obligated under the Agreement, any one of them may close the account at any 
time and we may immediately close the account after we receive such a request 
without  giving  notice  to  other  persons  obligated  for  amounts  owed  under  the 
Agreement. You agree that you will not hold us responsible for any inconvenience, 
costs or damage you incur arising from the closing of the account by one person 
obligated under the Agreement. You may re-open your account after you close it 
provided one or both persons obligated on the account provide(s) us with a written 
request to re-open it within 30 days after the closure. We may close or suspend 
your account at any time without prior notice unless required by applicable law. 
In the event of any closing or suspension, you will immediately stop using the 
account  in  any  way,  you  will  return  or  destroy  the  card(s)  upon  request,  and 
you will contact anyone you authorized to charge transactions to your account, 
such  as  phone  companies  or  internet  service  providers,  to  change  your  billing 
arrangement. You will remain obligated to pay the account balance and all fees and 
charges according to the term of this Agreement or as otherwise agreed between 
us. Additionally, if we extend credit to you because you use the account or pre-
authorized charges are paid after you close the account, you will be responsible 
for payment of such credit in accordance with the Agreement.
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  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 information about the account to credit reporting agencies, other creditors, 
Visa, and others who may properly receive such information, in accordance with 
applicable law and the Privacy Notice contained herein. 
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 
6 

terms,  and  your  regular  terms  will  resume  at  the  time  our  offer  specifies. 
Occasionally, you may be contacted about promotions, credit card enhancements 
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. 
Please allow sixty (60) days for your request to take effect.
Telephone Monitoring. You consent and agree that we may monitor and record 
your telephone calls with our employees or contractors.
Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for 
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  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 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 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 accordance with that policy. If you 
give a merchant continuing authority to 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 charges, to preserve your billing rights you 
must continue to notify us promptly every time your billing statement reflects a 
new charge.
Assignment.  We  may  assign  any  or  all  of  our  rights  under  this  Agreement, 
including any debt you owe us.
Captions.  Captions  used  in  this  Agreement  are  intended  solely  as  aids  to 
convenient reference and do not affect the interpretation of this Agreement. 
Applicable  Law/Non-Waiver/Severability.  YOUR  ACCOUNT  AND  THE  TERMS 
AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL 
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 future. 
If any term of this Agreement is found to be unenforceable, all other provisions 
remain in full force and effect.
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 
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 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 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 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 any suits, legal action, or 
liability directly resulting from such illegal use.
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 
permission, you agree to notify us immediately by calling the number that is found 
on  the  back  of  your  card  or  on  your  monthly  credit  card  statement.  Upon  our 
request, you agree to provide us such written information as we request or require 
to assist our investigation.

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