PRICING INFORMATION CLASSIC & PLATINUM AS OF 6/01/16
Variable Annual Percentage Rates (APRs) and corresponding periodic rates for Purchase and Balance Transfer balances:
Prime* plus a margin of 5.25% - 17.50% (8.75% - 21.00% APR)
Corresponding monthly periodic rates of (0.729% - 1.75%)
Variable Annual Percentage Rate (APR) and corresponding periodic rate for Cash Advance balances
Prime* plus a margin of 17.50% (21.00% APR)
Corresponding monthly periodic rate of (1.75%)
*APRs may increase or decrease for each new billing cycle based on changes in the U.S. Prime Rate published in The Wall Street Journal (“Prime”). Each APR will equal the sum of Prime plus the applicable margin (“Margin”). Margin means the percentage points added to the Prime Rate to calculate the APR. An increase in your rates will increase your interest charges and may increase your minimum monthly payment. Your rates will not exceed the maximum we are allowed to charge under applicable law.
Penalty APR and when it applies: None
Paying Interest:
Your due date is at least 24 days after the close of each billing cycle.
Purchases: We sill not charge you interest on purchases if you pay your New Balance by the Payment Due Date
Shown on your statement each month
Balance Transfers: We will not charge you interest on balance transfers if you pay your New Balance by the Payment Due Date shown on your statement each month.
Cash Advances - We will charge you interest on Cash Advances from the date of posting.
Minimum Interest Charge: Charged interest will be no less than $.50.
Fees:	Annual Fee: $0
Transaction Fees:
Balance Transfer:
Cash Advance:
Foreign Transaction:
Penalty Fees:	Late Payment:
Over-the-Credit Limit:
Returned Payment:
4% of each new Balance Transfer (not less than $10 per transaction)
4% of each new Cash Advance (not less than $10 per transaction) 3% of each transaction converted to US Dollars
Up to $35
$0
Up to $35
How we	will	calculate your	balance:	We	use	a method called "average	daily	balance (including new purchases,	balance	transfers	and
cash advances)".
Calculating Average Daily Balance - Purchase Balance and Balance Transfers. You will have a grace period during which we will not impose an interest charge on Purchases and Balance Transfers if you pay in full your New Balance by the Payment Due Date shown on the billing statement each month. Otherwise, we will impose a periodic interest charge on the average daily balance of Purchases and Balance Transfers. To determine this average daily balance, we (a) start with the previous Purchase and Balance Transfer balances at the beginning of each new billing cycle and subtract any unpaid interest charge and unpaid fees which were included in those balances; (b) determine the Purchase and Balance Transfer balances for each day of the billing cycle by subtracting any payments and credits applied to the Purchase and Balance Transfer balances and by adding new Purchases and 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 Purchases and Balance Transfers.	We then	multiply	this	average	daily balance	by	the	monthly periodic	rate	that applies to Purchases and
Balance Transfers to determine the amount of your periodic interest charge on Purchases and Balance Transfers.
Calculating Average Daily Balance - Cash Advance Balance. There is no grace period for Cash Advances. We will impose a periodic interest charge on the average daily balance of Cash Advances. To determine this average daily balance, we (a) start with the previous Cash Advance balance at the beginning of each new billing cycle and subtract any unpaid interest charge and unpaid fees which were included in that balance; (b) determine the Cash Advance balance for each day of the monthly billing cycle by subtracting payments and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) at the end of the billing cycle, add these daily balances and divide the total by the number of days in the billing cycle to determine the average daily balance for Cash Advances. We then multiply this average daily balance by the monthly periodic rate that applies to Cash Advances. The result is your periodic interest charge on Cash Advances.
CARDHOLDER AGREEMENT
and Disclosures Under The Federal Truth In Lending Act
Agreement and Definitions..........................................................1
Changes In Terms ..................................................................1
Using Your Account.................................................................1
Introductory Rates.................................................................1
Standard (Variable) Rates..........................................................2
Promise to Pay.....................................................................2
Credit Limit ......................................................................2
Billing Statements.................................................................2
Making Payments....................................................................3
Effects of Making Minimum Payments ........................................3
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
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 .............................................................5
Notices ...........................................................................6
Default/Entire Balance Due.........................................................6
Non-default Termination or Suspension .............................................6
Credit Information ................................................................6
Promotions ........................................................................6
Telephone Monitoring...............................................................6
Merchant Refunds/Credits ..........................................................6
Assignment.........................................................................7
Captions ..........................................................................7
Applicable Law/Non—Waiver/Severability.............................................7
Illegal Transactions...............................................................7
Lost or Stolen Cards/Unauthorized Use .............................................7
Liability for Unauthorized Use.....................................................7
ARBITRATION........................................................................7
BILLING RIGHTS NOTICE.............................................................10
Agreement and Definitions . This Cardholder Agreemen t, 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, 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 ( he “Agr eme t”). The words “you” and “your” refer to eac h 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,” an d “us” mean First Tennessee Bank National Associatio n (which als o is branded as “First Horizon”), and it s successor s, assigns, agents and/or authorized representatives. The word “card” means each MasterCard or Visa card issued on the account. The card isou r property, and yo u agree to surrender it to us or our age nt upon request. This Agreement is bindin g on yo u unless you cancel y our account within 30 days after receiving th e card an d you have not used or authorized use of your account. This card is available only to individuals for consumer us e and will not be issued to sole proprietorships, corporations, partnerships or limited liability c ompanies.
Changes In Terms. You consent and agree th at at any tim e 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), fee s or other terms. S uch amendments may apply to the unpaid balance and to new transactions, as allowed by applicable law. R easons we may change the terms and condition s of this Agreement include, bu t are not limited to, risks associated with your account, economic and marke t conditions and trends, product param ters, and our business needs and considerations. If we makesuchamendments, you will receive advance notice and a right to opt out, as may be required by theAgreement and applicable law.
Using Your Accou t. In addition to the card, we may furnish you checks which can be used to access your account. You agree to use checks on ly in the form we furnish an d according to any instructions we give you. You cannot sto p payment on checks used to access the account. You may use your account to purchase goods and services and to get Cash Advances.
Cash Advan es include cash obtained from participating financial institutions and ATMs, tra sactions using checks to acces s your account, and cash-equ ivale nt transactions (including purchases of travel ers’ checks, casino chips and othe r items whi ch Visa or MasterCard rules, as applicable, designate as cash o r cash-equivalent transactions). The amoun tof a Cash Advance obtained from an ATM may include a surcharge imposed by the ATM owner.
Purchases are transaction s initiated with the card or accou nt for the purchase of goods or services from parti cipating merchants (excluding cash-equivalent transactions) and such othe r charges we designate as Purchase s.
Only a payment made by us, a t your request via our custom e r servic e center or ourwebsite, to transfer all or part of your balance with another creditor to your account with us will be considere d and treated as a Balance Transfe r under this Agreement. Your use of a check used to acc ess your accou nt for any purpose is not considered a Balance Transfer under this Agreement.	u
Introductory R tes. If we have offere d you an Introductory Rate, th e enclosed folder containing your card (including the Account Opening Disclosur e Table on the back of the folder) provides inf ormation concernin g the Introductory Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances and the length of the Introducto ry Period.
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When the Introductory Period expires, your Standard (Variable) R ates and monthly periodic rates (also shown on the enclosed folder containing your card and Account Opening Disclosure Table) will apply and may vary each month as described in the Standard (Variable) Rates provision below.
Standard (Variable) Rates. Except as otherwise stated in this “Standard (Variable) Rates” provision or upon amendmen t of this Agreement, the monthly periodic rates and cor responding APRs used to compute the periodic interest charges on your account will be variable rates which may increase or decreas e for each new billing cycle based on changes in the U.S. Prime Rate published in the “Markets Lineup” section of The W all Str e t Journal (“Prime” ) . Your corresponding APRs, divided by 12 and truncated to the one-thousandth percentage point will be your monthly periodic rate s. You r r ates will not exceed the maximum we are allowed to charge und er 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 billin g cyc le endi ng i n the calendar month following the Determination Date. If more than one Prim rate i s publi shed on the Determination Date, we willuse the highest. An increase i n your rates will increase your interest charges and may increase your minimum monthly payment.
Your APR s on Purchases, Balance Transfers and Cash Advances c ould be different for each of these categories of transactions and certain balances within these categories (such as balances subject to promotional rates). Each APR will equal the sum of Prime plus the applicable margin (“Margin”). Margin means t he percentage p oints adde d to the Prime Rate to calculate the APR. Your Margins, cor responding APR s and monthly periodic rates for Purchases, Balance Transfers and Cash Advances are shown on the enclosed folder c ontaining your card which includes the Account Opening Disclosure Table on the back of the folder.
Promis to Pay. You promise to pay us, i n a ccordance with the terms of this Agreement, for all transactions on your account, plus all interest, finance charges and other charges, f ees and expenses incur red on o r in connection with the account. You will b e individually and , if applicable, jointly and severally liable for t he 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 cann ot transfer or assign the account to another person.
C redit Limit.Your in itial redit limit appears on the foldercontaining your card. We may increase or decrease your ccredit limit at any time. Each of your billing statements will reflect your credit limit i n effect as of the date of the st tement. You agree not to conduct any transaction tha t would cause the total balance of yaour 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 f or security or other reasons.
Billing Stae ents. We will send or make available a billing statement for each monthly billing c ycle 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 po sted to your account, your New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other importan t information . Unless you notify us of any alleged errors in accordance with the il ing Rights No ice in this Agreement, we may consider the statement cor rect fo r all
purposes.
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Making Payments:
Effects of Miaknig Minimum Piayrmjnts. If you make only the minimum payment each billing cycle, 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 a mount of and order in wfiich minimum payments will be applied to Purchases, Balance Transfers, Cash Advances , I nterest, Finance Char ges and other f ees and charges. If your account has bal nces witi different APRs, we wil l all ocat e your minimum payments to bala nces subject to l ower APRs bef or e bala nces subject t o iigier APRs. If you make mor e t ian t ie minimum payment, we will all ocate amounts i n excess of t ie minimum payment t o bala n ces su bject t o iigier APRs before bala nces subject t o l ower APRs, even if, as required by a pplicable law, tiis allocation r esults i n a l oss of any Grace Period f or wiici you may otierwise iave been eligible. Tiis payment all ocati on metiod applies to all iigier APR bala nces, i ncluding transactions subje ct t o ii gier APRs posted since your l ast statement. e a ou	o
New Balance. The details and amount of your New Balance for each monthly billing cycle will a ppear on your billing statement in the Summary of Account Activity section.
Minimum Payment Calc elation. You may pay all or part of your balance at any time, but each month you must pay at le ast the Minimum PaymentDue shown onthe billing statement. If your NewBalance is $25.00 or less, theMinimum Payment Due will be th New Balanc in ful. Otherwise, Minimum Payent Due will be the total of (1) the greatest of(a) 2.5% of your New Balance, (b)1% of y r New Balance,plus interest charges assessed in the current billing c cle, (c) any over limit amount inthe current cycle, or (d)$25.00; plus (2) nt fe s (excludig sh Advance and Currency C nvesin Fees) in exss of $0 assessed in t ecu rent iling cycle; l	) ll t t	.
Form of Payments. Do not send	c asi	by mail.	If you	pay by	cieck	or money order, t ie
cieck or m oney order must be in U.S. Dollars drawn on funds on deposit i n a federall yins ured U.S. deposit or y i nstitution. However, we may, at our option, acce pt ciecks or mone y or ders dra wn on non-U.S. banks and i mpose service and collection ciarges on your account for processing suci ite ms. Wien yo u send a pers onal cieckto tie BankCard Cent er, we may initiate an ele ctronic debit for t ie a mount of y our cie ck t o y our a ccount at tie financial i nstitution on wiici t ie cieck was writt en. Your payment wil l appear as an ele ctronic debit on t ie statement f or t ie account from wiici you made payment and will include t ie name of t ie pay ee “BankCard Center”, t ie cieck number and t ie payment amount. We can (but are n ot required to) acce pt l ate payments, partial payme nts, payments marked or accompanied by “ payment i n f ull” or similar language, or pay ment s wiici are otierwise i mproper witiout l osing any of our rigits under tiis Agreement, including our rigit t o r equire payment of t ie e ntire balance.
Payme t Processing. Payments accompanied bytie payment coupon or otier information adequate toide ntif yt ie a ppropriate a ccount are proper payme nts. Proper payments will be a pplied to your a ccount as of tie d ate r eceived if r eceived Monday-Friday, excluding f ederal iolidays, by t ie times s iown below:
•	Payments received at BankCard Center, P.O. Box 385, Mempiis, TN 38101-0385 by 5:00 p.m. CT
•	Payme nts deliv ere d i n person to and proce ssed by ane mployee at a First Tennessee financial enter, or otier First Tenness ee l ocation t iat accepts suci payments, by close of bcusiness at tiat location
•	Payments made via	First	Tennessee’ s Banking	Online website	by 5:	00	p.m.	CT
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P rope rpaymen ts received on a d ay th atFirstTennessee does notp roce s payments o r la te r than the times shown above w ill be applied the nextbusiness day. Any o the rpaymen tmay no tbe applied un til 5 day sa fter r eceipt.
Visa MoneyTransSer. You have the ability to receive a c edit transfer to your c redit card via a Visa Money Transfer under w/hich you o r a third party may transfer tunds to you. Funds will appea ron ht eS tatement aS a“ViS aT r an Sfer” ,but fundS w ill be trea ted a S anon-proper p aymen t to your accoun t w ithin 2 bu siness days of r ec ei pt. We have th e righ t to r efus e/re tu rn a trans fe r re stri ct ed/pro hibit ed b y appli cable f eder al, s tate o r lo cal law o r by this Ag reemen t.
Finan ce Cha ges :	d
Interest Charges. We will impose periodic interest charges based on hie monthly periodic rates that apply to Purchase, Balance Transfer and Cash Advance average d aily balances. P eriodi cinterestcharg es wil lbt egni to acc rue on allave rag ed aily balance sfrom th edat e that transactions are pos ted to your accoun t, e xcept for Pur ch aseand B alan ceT ransfer transa ctions that m ay be eligibl e for a g ra ce p eriod (se P aying Int ere st section of thi s Agre em nt).
If the periodic interest cha rge calculated for a b illing cycle in ht emanne rdes cribed in the Cal culating Ave rage Daily Balanc es sec tion is le ss th an $.50 but more than $ .00, we w ill impose a$ .50 minimum cha rge (in add ition to any applic abel Cash Advanc e Fee (s)). Th e amoun tof in tertestcharged w ill b eshown on yourb illing s tat em ent in the In t eres tCha rg ed section; e xcep t tha t, wh en imposed, th em inimum cha rg ew il l appea r ni theFees Cha rged sec tion ofyou rs t at emen t.
Fo reign Currency Trans actions. If a transaction on the account is in a currency other than U.S. Dollars, Visa o r MasterCard wilt convert the amount of the transaction (whether a purchasef, ctash adv an ce o r credit) to U .S. Doll ars asp rovided by V isao rMasterCard rule s then in eff e ct. Curr ently, Visa and Mast erCa rd ru l es p ro vid eth at th e exchang e ra t ebe tw een the tr an sac tio n currency and th e billni g curr ency u sed for proc esing i nternational transactions w ill be a rate se lec ted by Visa o r MasterCard from the range of ra tes available in wholesale cu rrency markets for the a pplci able c entr al p rocessing da t e (w hi ch r at em ay var yfrom th e r ateV isao rM asterC ard itself r eceive s) or th ego vernment m and ated r at e i n effect fo r th e applicable cen tr alp rocessing dat e. You agr eeto acc ept th econ verted amoun t. W ew illcha rg e you t hr eep er cent (3% )of ht e amount calculated b yVisa o rM asterCard as a	Currency	Conversion Fee.	Each	Cu rrency Con version	Fee	will	be	itemiz	ed	in the
Tar nsac tions sec tion on your billni g statement. Th e total amount of any Cu rrency Conversion F e(s) w ill be shown on yourbillni g s tatement in th e Fees Cha rged section .
Pa ing Inte res t:
Grace Period for Purchases. You will have a g race period during which we wil t not impose an interest charge on Purchases if you p ay your New Balance by the Payment Due Date shown on the b illing s tatement ea ch month. O therwise, we w ill impo se aperiodic inter est ch arg eon th e average dail yb ala nce ofPu rch as es.
Grace Period for Balance TransSers. You will have a g race period during which we will not impose an interest charge on Balance Transfers if you pay your entire balance by the PaymentDue Date shown on the b illing s tatemen teach month. O therwise, we w ill mi pose a pe riod ci ni terestch arge on the ave rage daily balance ofBalance Tr ansf ers.
Cash Advances. There is no g race period for C ash Advances. We will impose a fieriodic interest charge on the average daily balance of Cash Advances.
Calculating A ve age DailyB alan ce :
Purchase Balance. To determine titis average daily balance, we (a) start with tire p revious Purchase balance at the beginning of each new billing cycle and subtract any unpaid
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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 thes 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 th e monthly periodic rate that applies to Purchases to d etermine 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 B alance 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 th en multiply this average daily balance by the monthly periodic rate that applies to Balance Transfers to determine th e 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 i nterest charge a nd unpaid fees which were in cluded in that balance; (b) determine the Cash Advance balance for each day of the monthly billing cycle by subtracting paym ents and cr edits applied to the Cash A dvance 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 th is average daily b alance by the m onthly periodic rate that applies to Cash Advances t o determine the amount of your periodic interest charge on Cash Advances.
Ot er Fees and Charges:
Cash Advance Fee. We wi II i mpose a C ash Advanee Fee equalto 4% of each new C ash Advance. Aeweve c, FFe tee will net tec less Wan At 0 per traesaetion e c more th an the emeunt .	ill it i i t
. l f
r illi tt t i the Fees Charged section.
Balance Transfer Fee. We will imposea Balance Transfer Fee equal to 4%of each new Balance Transfer. However, the fee will not be less than$10 per transactionor morethan the mountallowed by applicable law or rgulation.Each Balance Transfer Fee will be imized i the Trsactions seti on y ur bill tatement. Th tt l of any Balnce Transfer r illi tt t i the F es Charged section.
Returned Payment Fee. When a check or other payment on your account b not honored, cannot be processed or otherwise can not be applied to your account, we will charge you a returned payment fee of up to $25.00 for the fpirst 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 fe e of up to $25.00 for the first occurrence and up to $35.0 0 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.
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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.
Account Use by Others. Think carefully before you lend your card to 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.
Non-default Termination or Suspension. You may terminate account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time without prior notice unless required by applicable law. In the event of any termination or suspension, you will immediately stop using the account, and you will return or destroy the card upon request. You will remain obligated to pay the account balance and all fees and charges according to the terms of this Agreement or as otherwise agreed between us.
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 MasterCard, 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 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.
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Merchant Refund /Credits. M rcha ts are not allowed to make c sh refunds for card tran actions 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 resp nsibility to s nd a credit through Visa or MasterCard so hat we can credit your account. You should r tain your copy f the credit slip prepared by the merchant. If the m rchant di closes a poicy limiting r disallowi g refunds, you will be bound by i . If you make travel or lodging or other reservations, you will be bound by the merchant’s cancellation policy, and you mut obtai 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 al l of our rights under this Agreement, including any debt you owe us.
Captions. Capt ions used in this Agreement are intended solely as aids to convenient reference and do not affect the interpretation of this Agreement.
Applicable Law/Non-Wive/Severability. YOUR ACCOUNT AND THE TERMS AND ENFORCEMENa T OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights u nder this Agreement any n umber of times wi thout waiving ourrights in thefuture. Ifany term of this Agreement is found to be unenforceable, al l other pr ovisions remain in full force and eff ect.
Illegal Transactions. You agree nottomake or permittobe made any illegaltransactions on gthe accountthrough use of the card, any other account access device issued by us, or in any oth er manner. We may, bu t are not required to, deny autho rization foryany internet ygambling transactions, any internet purchase of tobacco products, or any other illega l tansact ions. You gree that illegal use of the card or the account will be deemed an action of default and/o r breach of contract and, in such event, the account and other related services may be terminated at our discretion. You further agree that shou ld illegal use occur, you waiv e any right to sueus for such illegal use or any activity d irectly or ind irectly related to it, and you agree to indemnify and ho ld us harmless from any suits, legal action, or liability direct ly resulting from such illega l use .
L st orSolen Cards/Unauthorized Use. If any card (o r 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 1-800-234-2840 or (901) 818-9250 (Collect) if you are outside the continental United States. Upon our request, you agree to provide us such written information as we request or require to assist our investigation.
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.
ABITRATION PROVI ION
ARBITRATION: PLEASE READ THE FOLLOWIN ARBITRATION PROVISION CA E-FULLY. I PROVIDE FOR MANDATOY ARBTRATION OF CNUMER CLAIMS (SUBJEC TO SOME EXCEPTINS), STEAD OF COUR POCEEDINGS. IF YOU OR WE ELET ARBITRATIN OF A CLAIM, NITHER WLL HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN CURT OR O PARTICIPATE IN CL SS ACTION PRO EEDING. RIGHTS YOUWOULD HAVEIN COURT
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THAT MAY E LIMITED OR UAVAILABLE IN ARBITRATI INCLUDE THE RIGH TO CONDUCT DISCOVERY OR TO APPEAL.FEES ANDEXPENSES OF ABITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COU T POCEEDINGS. THE ARBITRA-TOR’SDECISION WILL BE BNDING, EXCEPT AS PROVIDED BELOW.
Agreement to Arbitrate. Upon the e lection of either you or us, any Claims (as defined below), except for Claims filedin a sme ilclaims co ert, 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-clas, non-representativ) Clim.Ifa Claim asserted in small claims co rt is transferred or appealed to a different court, eithryou or we ay then elect man atory, binding rbitration p suant to this Arbitration Provision. ThisAritation Provi ion is made prsuant to transaction in olvi g interstae c mmerce shall be g v rn d by and enforceabl u der the Federal ArbitrationAct (th FAA).
Definitions for Arbitration Provision. As used in this Arbitration Provision, the following termshave the following definitions. The , words we, our,, and , us meanFiist Tennessee Bank National Association (which also i brandedas First Horizon), its parent comp y, nd their direc a d indirect subsidiaris and affiiates, tog the with their employe s, officer ,drectors, succssors, and assigns. Th wordsyou, your, and yoursref to any Conm applicant, c-applicant, authorized user ofthe account, or legal representative of any ofthe fegoing, nd ayone climing through such person r incident to the account.. Te word “Consumer” meas a natural person ho holdsan ac-cout primarily for pe onal, family or househld p rposes.T word Claim mea any claim,controversy, or dspute of any kindarisingfrom or relatigt th account or any relationship arising from or related to the account. The word Claim includes, but is no limitd to, any claim, controversy or dispute involving one or more of the following:
•	he formation, application, enforceability, or interpretation of this Arbitration Provision or oth r par ofthe Agreemnt;
•	any advertisements, solicitations, disclosures or ther communications relating to the account, whether mde before or afte the account was opened;
•	the pening, administration d trminati n of the acount;
•	any transationsinvolving the acc unt;
•	any interet, fees and other charges to the account;
•	any products or servi es (whether provided by us or a third party) related to or offered in connction wit accunt;
•	any use or d closure of nf rmation aout you or the account;
•	any othr matters relating to the account or your crdit card relationship with us. All Claims Subject to Arbitration Provision. All Claims are subject tothis Arbitration Provision, regardless of whetOer the Claim: (i) previously existed, is now existing (whether discover d or udiscovered) or rises lat ; (ii)is based on theory of contract, trt (icluding intentional ort), negligence, gency or her vicarious libility, fraud,statue, rgulin constiution, r any other source f law or equity; (iii) s eks monetary d -ages, or declaatory, injunctive relief, or ther emed or relief; (iv) is assertedas an initil claim, counteclaim, crossclim, interpleader action, third-pa ty claim r othe action; or (v) is asserted as an in i idual claim or a part of a class action or othe epresenttive or collectiv action.(AnyClaim asserted prt of a class ation or other repesenttive or ollective actionshall proceed n rbitrati non an individl basis as s t forthbelow.) Jint Cardholders, ap licants andauthoriz u ers on a i gle acount or multipl accounts for which the sam Cardholders areleglly responsible will be treated as one person for this purpose. All questons about whether disputes ar subject toarbitration shall be reolvedbyinterpreting this abitration ovision in the bradest way the law ll allow i to be enforc d.
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Initiation of Arbitration. The party electing arbitration must use the arbitration administrator shownbelow and follow its rules andprocedures, except as otherwise stated in tis Abitation P ovision. Copies of its current rules, procedures, forms, and related information, including information about how t file a Claim, my be obtained by con-tactig the Administrator as follows:
AmericCan ArFbiliitratiSon Aissociation Case Filing Services
1101 Laurel Oak Road, Suite 100 Voorhees,NJ 08043
Toll freenumber: 877-495-4185 htt://www.adr.org
Except for the small claims court exclusion et forth above,either you or we may ask an a prpiate curt to compel arbitration, or staylitigation pnding arbitration, of ay Claim, evn if the Clai is part of a lawsuit in court.Apartywho h s asserteda Claim in a lawuit may neverthelesselect mandatory arbitratin with r spec to any Claim subsequntly ass rted in th lawsuit by ny othr party. Delay in exercising these rights shall not waive such rights. Failure to exercise rbitration rights wh 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 adminster a Claim in arbitr tion, then either prty hal have the right to proceed with he Claim as a lawsuit in court, in which cs the Class Action Waiverset forth below sill appli s.
Class Action and Jury Waiver. You and we herebyknowingly and voluntarily (1)waive the right to proceedas part ofany class action and(2) waivethe rightto a trial by jury of any and all Claims. No Claim submitt d t arbitrtio is hard by a jury or may be bought as a class action or asa private attorney ge eral. You do not av the right to act a a class representative or participate as a member of a class of claimants with respect to any Claim s bmitted to bitration (Class Action Waiver). Any Claim resolved rbitr tion shall be arbitrated on anindividual basis by a snglearbitrtor.The arbitrator’s auth ity t res lve Claims is limited to Claims btwee yu and us alon, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brougt by you again t us or by us aganst you may not be joined or consli-dated in arbiration wit Claim brought by o agains someone othr thanyou, unless otherwise agreed to in writing by all parties.
Severability. The parties to thisArbitration Provision acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes betweenthe parties and i n-sever ble fr m this Arbitration Provisio . If the Class Action Waiver is limited, voded o found unenforceable, then the prti s’ agreement to arbtate (except for this senence) shall be null and void with respect to such poceeding, subje t to the right to appeal the limitation or ivalidati of the Class Acti n Waiver. The parties acknowldge an agree thatunder no circumstances will class action be rbitrated. If ny p rtion of thiArbitrton Pr vision,other than the Class Acton Waivr, cannot be enforced, th t portion will sever, and the est of the Arbitration Provisn will continue to apply.
Arbitration Procedures and Law. A single arbitratorchosen by the Administrator will resolve Claims pursuant to the rules and procedures of the Administrator and this Ar-bitraion Provision. This Arbitration Provision will govern in the event f co flict with the Administrator’s rules and poc dures. Dscovery pr c durs available to p rties will belimited by the Administrat r’s rules and procedures. The arbitrator willapply applicable sbst ntive law consistent with the FAA and applic ble statues f limitatis and honor legallyrecognized claims f privi g. The arbitratorwill hav he powr to ad ny damag r ther relief tha would be available n court and are permited under theterms and conditions of this Agreement, bu oly w h respect to the nmd
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parties and the Claims beingarbitrated. The arbitraor nd this Abitration Provision will nt be subject to federal, state, or localrul s of procedure nd evidence applicable to lawsuit or to tte or local laws relating to rbitration. Either party may ch os to have an arbitrtin h aringad to e repres ted by counsel. An arbitration hearing ma be c nducedby telphone if the parties agree. Any particip tory arbitrtion hearing that you tted in prson will occ r at a place desgnated by theAdministrat at a location withinthe federal judicial dstrict tht includ s your billing address or at sme other placeagreed up by you and us. The arbitrator will use reasonable eforts to rotect c nfidential information if requ sted to do so by any party. The arbitrator will make any aad in witing and, upon a timely witten request, provide a witten statement of reasons fo the award.
Costs of Arbitration. You and we will beresponsible for paying the fees of the arbitrator and any administrative fees charged by the Administrator according to the rules and procedures fthe Administrator. We will also pay or reimburs you forall or prt of thrarbitration fe s,if the arbitrator det rmines tere is good rason to do so, and e wll pay any fees ad costs, which e are requi d to pay by la r by th rules and procedures of th Administrator. In additin, in the event at you receive an ar itration awar 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 be r its own ttorn ys’ fees andcoss, regarde s of who prevails.
Finality of Arbitration. The arbitrator’s deci sion is final and binding on the parties, except for any ght of .appeal provided by the FAA. Costs .will be allocated in the same way as costs are allocated in arbtration by ainle arbitrator.A fial and binding award is subject to judicial review only as provided yth FAA. An arbitrtion award will be enfor eable underthe FAA by any court having jurisdiction.
Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or changes in the Agreement and/or refated agreements or programs, the account, and the relationship between you andus concerning the account and related programs; (ii) kruptcy of any party; and (iii) any sale, assignment r other transfer ofthe account, or any amounts owed on the accou t. Any diffrent agreement regarding arbitration of Claims mus be agreed in writing.
Your Billing Rights: Keep this D c ent f r Fu ure Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing t.
What To Do If Y uFind 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 go to www.firsttennessee.com and submit a tran saction disp ute. You will need to give us the following information:
•	Acclountinfuorm ationd: You r name and taccount numbeer.
•	Dollaramount: The dollar amount of the suspected error.
•	Description of proble m: If you think there is an error on your bill, describe what you believe is wro ng and why you believe it is a mistake.
Y ou must contact us:
•	Within 60 days after the error appeared on your statement.
•	At est 3 busin ss days b fore anautomated payment is scheduled, if you want to stop payment on h amount you thinkis wrong.
You must notify usof any potential errors in writing (or e l ectronically). You may call us, but if you do we are not required to investigateany potential e rrors; and you may have to pay the amount in question.	r
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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 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. 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 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 going to www.firsttennessee.com 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-118800 5/16
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