F03-P901-0 
SFNB-532 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

Other APR’s 

Paying Interest 

ACCOUNT OPENING DISCLOSURES 
INTEREST RATES AND INTEREST CHARGES 

10.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

10.25% Variable APR 

This APR will vary with the market based on the Prime Rate. 

Cash Advance APR:  14.25% Variable APR 
Convenience Check APR:  14.25% Variable APR 
Penalty Rate:  16.25% Variable APR 

Your due date is 25 days after the close of each billing cycle. We will not 
charge you any interest on purchases if you pay your entire balance by 
the due date each month. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

FEES 

Annual Fee 

None 

Transaction Fees 

Balance Transfer 

None 

Cash Advance and 
Convenience Checks 

3% of the amount of each cash advance, but not less than $4.00 
nor more than $50.00. 

Foreign Purchase 
Transaction 

Penalty Fees 

2% of each purchase transaction in US dollars. 

  Late Payment 

     $29  

Returned   
Payment 

   Overlimit  

$25 

$25 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  "average  daily  balance  (including 
current  transactions)."  For  further  details,  please  see  Additional  Disclosures,  below  or  the  Card 
Membership Rules that will be provided to you before you can begin using your new card. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is 
provided in the Card Membership Rules that will be provided to you before you can begin using your new 
card. 

ADDITIONAL DISCLOSURES 

1. 

Finance  Charges  start  to  accrue  on  cash  advances,  convenience  checks  and  balance  transfers  on 
the  date  the item is  posted  to  your  account.  Finance  charges  for  purchases  generally  will  start  to 
accrue from the date the item is posted to your account, however, no finance charges will accrue 
08/13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
F03-P901-0 
SFNB-532 

2. 

3. 

4. 

on new purchases if the entire balance in your account is paid by the due date each month. 

We figure the interest  charge  on your account  by applying the periodic rate to the  "average  daily 
balance" of your account. To get the "average daily balance" we take the beginning balance of your 
account  each  day,  add  any  new  purchases,  advances  or  fees,  and  subtract  any  payments  or 
credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle 
and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  "average  daily 
balance."  

Your  account  has  a  variable  rate  indexed  on  the  Prime  Rate.  The  rate  on  your  account  for 
purchases  and  balance  transfers  is  the  Prime  Rate  plus  7.00%  per  annum.  The  rate  on  your 
account for cash advances and convenience checks is the Prime Rate plus 11.00% per annum. Your 
rate  will  increase  if  the  Prime  Rate  increases,  but  will  only  change  one  time  per  statement  cycle.  
Changes in APRs (increases or decreases) due to changes in the Prime Rate will be effective on the 
first  day  of  your  next  statement  cycle  beginning  at  least  two  days  after  the  change  in  the  Prime 
Rate.  The  Prime  Rate  is  the  prime  rate  published  in  the  Money  Rates  column  of  The  Wall  Street 
Journal  in  effect  for  the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.   
Variable rate APRs are based upon the 3.25% Prime Rate in effect on August 1, 2013. 

If  twice  during  any  six  month  period,  my  payment  is  not  received  or  received  late,  the  daily 
periodic rate will be the Prime Rate plus 13.00% divided by the number  of days in the year.  This 
rate will be effective immediately following the statement cycle in which the second payment was 
late or not received. The account will again become eligible for the lower periodic rate as set forth 
above,  after  I  have  made  the  minimum  payment  by  the  payment  due  date  for  six  consecutive 
statement cycles. 

The information about the costs of the card(s) is accurate as of August 2013.  This information may have 
changed after that date.  To find out what may have changed, write to us at Bank Card Center, P.O. Box 
6609, Pine Bluff, Arkansas 71611. 

08/13 

 
 
 
 
 
 
 
 
 
 
F03-P902-1 
SFNB-532 

VISA PLATINUM REWARDS SMALL BUSINESS 
CREDIT CARD MEMBERSHIP RULES 
August 1, 2013 

   The  words  “I”,  “we”,  “me”,  “my”  and  “us”  will  mean  the  firm  making  application  for  membership  in  the  credit  card  system  operated  by  the  Bank, 
together  with  each  and  all  individuals  (cardholders)  authorized  to  receive  a  card  in  such  firm's  name.  "Firm"  means  the  firm  making  application  for 
membership in the credit card system operated by the Bank.  “Card” means Visa Platinum credit card  owned and issued by the Bank.  “Bank” means 
Simmons First National Bank, Pine Bluff, Arkansas, U.S.A. 
Follow the Rules – 
    I agree to accept and comply with these membership rules. If I fail to follow the membership rules, the Bank can cancel my membership and may 
demand immediate payment of all amounts I owe. The Bank may amend the rules from time to time.   
Annual Fee –  
   None.  
Card Usage - 
    I understand that my Card can be used at designated locations throughout the world to purchase goods and services, to obtain cash advances and 
to  transfer  funds  between  accounts  I  designate.    The  Bank  is  not  responsible  for  the  refusal  of  anyone  to  honor  my  Card.    Paper  transactions  or 
electronic  transactions  will  not be final until they are received by the Bank.  Transactions are governed by the laws of Arkansas and the laws of the 
United States of America.   From time to time the operation of cards issued by the Bank may be suspended in specified foreign countries or specific 
regions thereof, due to ongoing fraudulent activities involving credit cards.  Due to the nature of such fraudulent activities, the Bank is unable to provide 
advance notice or the duration of any such suspension.    If I use my Card in a check guarantee system, I agree to allow the check to be handled as a 
credit card cash advance if the check is not paid. I agree not to use my Card for any type of Internet gambling transaction.  Further, I agree not to use 
my  Card  for  any  unlawful  transaction  and  acknowledge  that  the  Bank  may  refuse  to  honor  any  transaction  determined  to  be  unlawful.    Restricted 
transactions,  involving  the  acceptance  of  any  credit,  funds,  instrument,  or  other  proceeds  from  another  person  in  connection  with  unlawful  Internet 
gambling,  are  prohibited  from  being  processed  through  my  Card  account.   I  acknowledge  my  responsibility  to  pay  for  goods  and  services  obtained 
through the use of my Card, even if such good or services were obtained in an unlawful transaction.  
Responsibility for Card Use - 
    I understand that I am responsible for the use of all Cards issued for use with my membership.  I will not allow unauthorized persons to use my Card. 
Notification - 
    For my own protection and for the protection of the Bank, I agree to promptly notify the Bank if I discover my Card  has been lost or stolen, or if I 
suspect the Card has been used without my authorization. 
Card Ownership -  
    I understand as a member and Cardholder that I do not own my Card.  When requested to do so I will surrender my Card to the Bank or to a person 
designated by the Bank.  I understand that any or all privileges to use my Card may be modified or canceled by the Bank at any time without notice to 
me. 
Promise to Pay -  
     The Firm promises to pay to the order of Simmons First National Bank all transactions in which I have used Bank funds as a result of the use of my 
Card.  If the funds involve cash advances or if the New Balance is not paid as provided in these rules, the Firm also agrees  to pay the transaction fees 
and finance charge as described below. 
     The Firm must pay all bills or invoices, including the minimum payment shown on my monthly statement on time (on or before payment due date) 
and in U.S. Dollars.  The Bank does not waive its right to collect the full amount due if I pay late or I pay part of the bill, even if I write the words “paid in 
full” (or similar words) on any correspondence to the Bank. 
Available Credit Limit -  
     The  Bank  will  supply  a  monthly  statement  listing  the  amount  and  location  of  all  transactions  posted  prior  to  the  closing  date  of  the  statement.    I 
agree  to  limit  my transactions so that my balance will stay within the available credit limit approved for me by the Bank and listed on the statement.  
The Bank may refuse to honor transactions that would cause my account balance to exceed my available credit limit.  If my account balance exceeds 
the approved credit limit on statement date, I will pay a $25.00 overlimit charge. My available credit limit will be restored to reflect a payment after the 
Bank receives final payment on my check or other payment method.  The Bank may increase or decrease my available credit limit or my available cash 
advance credit limit without notice.  The credit available for my use may, from time to time, be less than my available credit limit.  My available credit 
limit will not be increased by the amount of any credit balance. 
Billing –  
     If there is a debit or credit balance of $1.00 or more on my account, the Bank will mail or deliver a monthly statement to me not less than 21 days 
prior to the payment due date specified in the statement.  I am responsible for maintaining my current mailing address on file with the Bank. The Bank 
may consider me to have received any notice mailed to me at the current address on the Bank's records. 
Billing Errors –  
     Transactions listed on my statement will be presumed correct unless I notify the Bank of an error in writing within 60 days of my statement mailing 
date.  (NOTICE:  The procedures for notifying us of errors on your monthly statement were disclosed upon the opening of your account and at least 
annually thereafter.  The mailing address to notify us of a billing error is set forth on your monthly statement.)    
Posting Transactions; New Balance - 
    Debit  transactions  from  purchases,  cash  advances,  convenience  checks  and  balance  transfers  are  posted  the  day  they  are  received.  Debit 
transactions  from  purchases  are  aggregated  into  my  Purchases  Balance.  Debit  transactions  from  cash  advances  and  convenience  checks  are 
aggregated  into  my  Disbursed  Cash  Balance.      Debit  transactions  from  balance  transfers  are  aggregated  into  my  Transferred  Balance.    Applicable 
finance charges will be added to and included in my Purchases Balance, my Disbursed Cash Balance and my Transferred Balance on the last day of 
the statement cycle.  My account balance is the sum of my Purchases Balance, my Disbursed Cash Balance and my Transferred Balance, which at the 
end of each statement cycle is shown as my "New Balance".  
Full Payment Option -  
    Each month the Firm has the option of paying the “New Balance” in full within 25 days of the cycle closing date.  Payment in full (received within 25 
days)  avoids  additional  finance  charges  on  the  Purchases  Balance  included  in  the  "New  Balance"  as  well  as  new  purchases  (but  not  on  cash 
advances, convenience checks or balance transfers) made during the next statement cycle.  

 
 
 
 
 
 
                 
 
Partial Payment Option -  
     Each month I have the option of paying part of my account balance as long as my payment is at least equal to the minimum payment shown on the 
statement.  The minimum payment will be the greater of (i) 1% of the New Balance plus all finance charges and late fees assessed during the billing 
cycle plus any past due amounts, or (ii) $10.00.  The Firm will pay the total New Balance if it is less than $10.00. 
     If  the  Bank  has  not  received  a  minimum  payment  by  payment  due  date  (or  the  end  of  the  next  business  day  if  the  payment  due  date  is  on  a 
Saturday, Sunday or bank holiday), I will pay a $29.00 late charge.  
Crediting of Payments- 
   An amount equal to the minimum payment from the initial payment during any statement cycle will be applied first to my Purchases Balance, then to 
my Disbursed Cash Balance and finally to my Transferred Balance.   All additional payments received during the same statement cycle will be applied 
to the balances based upon the applicable interest rate on that balance, starting with the balances with the highest interest rates. Any part of a payment 
complying  with  the  payment  instructions  on  the  periodic  statement  and  received  within  25  days  of  the  cycle  closing  date  which  is  credited  to  my 
Purchases Balance will be credited as of the beginning of the statement cycle in which received. Any part of a payment that is credited to my Disbursed 
Cash Balance, my Transferred Balance or all of any Payment which is received more than 25 days after the cycle closing date will be credited as of the 
day received, if received before 5 p.m. CT by the Bank, otherwise on the next banking day, provided that any payment paid in person at a branch of the 
Bank  shall  be  credited  not  later  than  the  day  received.  Payments  received  and  accepted  by  the  Bank  which  do  not  comply  with  the  payment 
instructions on the periodic statement may result in a delay in crediting the payment to my account.   
Electronic Transfer Authority- 
     Anytime  I  send  the  Bank  a  check  for  payment  on  my  account,  I  authorize  the  Bank  to  make  a  one-time  electronic  transfer  debit  from  my  bank 
account for the amount of the check. 
Finance Charge -  
     Finance  Charge  on  cash  advances  and  convenience  checks  will  accrue  from  the  date  of  the  transaction  and  continue  until  the  Disbursed  Cash 
Balance is paid in full.  Finance Charge on balance transfers will accrue from the date of the transaction and continue until the Transferred Balance is 
paid in full.  Finance charge on purchases will accrue from the date of the transaction if there was a "New Balance" at the start of the current statement 
cycle, or from the first day of the statement cycle next following the date of the transaction if there was not a "New Balance" at the start of the current 
statement cycle.  
     Date of transaction will be the latter of the transaction date or the first date of the statement cycle in which the transaction is posted. 
     A Finance Charge will not be imposed on (i) the Purchases Balance included within the "New Balance", if payment in full of the “New  Balance” is 
received within 25 days of the prior statement cycle closing date or (ii) that part of the Purchases Balance equal to the amount of any payment received 
within 25 days of the prior statement cycle closing date and credited to the Purchases Balance in accordance with these rules.  
Interest Rates –  
     Finance charge on the Purchases Balance and the Transferred Balance where applicable is computed by applying to my average daily balance for 
the  Purchases  Balance  and  the  Transferred  Balance,  including  unpaid  finance  charges  (as  indicated  on  my  monthly  statement) a daily periodic rate 
equal to the Prime Rate plus 7.00% divided by the number of days in the year. The Prime Rate is the prime rate published in the Money Rates column 
of  The  Wall  Street  Journal  in  effect  for  the  second  business  day  prior  to  the  beginning  of  each  statement  cycle.  If  The  Wall  Street  Journal  ceases 
publication or to publish the Prime Rate as now shown in its Money Rates column, the Bank may use the prevalent prime rate in the United States as 
published in any other newspaper of general circulation, or the Bank may substitute a similar reference rate at  its sole discretion. The finance charge 
for the Disbursed Cash Balance is computed by applying to my average daily Disbursed Cash Balance including unpaid finance charges (as indicated 
on the monthly statement) a daily periodic rate equal to the Prime Rate plus 11.00% divided by the number of days in the year. If a transaction fee is 
applied, the annual percentage rate (APR) may be higher than the periodic rate disclosed above. The maximum interest rate applicable to my Card is 
governed by the laws of the United States of America and the State of Arkansas. 
Delinquency Rates -  
     If twice during any six month period, my payment is not received or received late, the daily periodic rate will be the Prime  Rate plus 13.00% divided 
by the number of days in the  year. This rate will be effective immediately following the statement cycle in which the second payment was late or not 
received. The account will again become eligible for the lower periodic rate as set forth above, after I have made the minimum payment by the payment 
due date for six consecutive statement cycles. 
Other Charges and Collection Fees -  
     Transaction fees for cash advances (including advances in foreign currencies) and convenience checks will be 3% of the amount of the cash 
advance or check amount (but not less than $4.00 nor more than $50.00).  If I request a photocopy or the original ticket of an item appearing on my 
monthly statement, I will pay the Bank the fee assessed to them by Visa U.S.A., Inc. for this service.  I agree to reimburse the Bank any and all 
amounts which it pays to any owner/operator of an automated teller machine (ATM) or any national, regional or local ATM network used to complete 
any transaction for my use of my Card at an ATM not located at an office or branch of the Bank. I will pay a $12.00 service charge per payment, if I 
utilize a service representative of the Bank to obtain expedited service for any payment.  If I request express delivery of my Card(s) I will pay an 
express delivery fee equal to the actual costs incurred by the Bank in making the express delivery.  If I make my payment with a check or other 
negotiable instrument and it is returned to the Bank unpaid, I will pay a Return Check Charge of $25.00.  If my account is placed with an attorney or 
another agency for collection, I will also pay attorney fees, court costs, witness costs (including transportation and lodging) and any other fees as 
allowed by law. 
Foreign Currency Transaction Fee  
     If I make any purchases in foreign currencies, the Bank and/or Visa U.S.A. will convert the foreign currencies into U.S. Dollars.  Visa will use their 
applicable currency conversion procedures.  Currently, the conversion procedures utilize 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, in each instance, plus or minus any adjustment determined by the Bank.  I agree to 
pay  the  Bank  the  sum  in  U.S.  Dollars  as  converted  by  Visa,  plus  an  additional  2%  of  the  converted  amount  attributable  to  purchases  (but  not  cash 
advances).  The currency conversion rate used on the conversion date may differ from the rate in effect on the date I used my Card.       
Closing Account- 
    In the event I close my account, I agree to notify the Bank in writing and return my Card(s) cut in half.  If I close my account, I remain responsible to 
pay all amounts I owe to Bank according to the terms of these card membership rules.