Debit Card Cardholder Agreement

First Horizon Visa^® Debit Card Cardholder Agreement and Disclosures

Card and Personal Identification Number (PIN). Enclosed is your First Horizon Visa^® debit card(s) to use in automated teller machines (ATMs) and at merchant locations that accept the First Horizon Visa^® debit card. By using or authorizing another to use the card, you promise to be bound by the terms and conditions of this agreement. All transactions made with the card are subject also to the Depositor Agreement which governs your checking and savings accounts. If you have an overdraft line of credit and you create overdrafts through use of the card, the overdraft line of credit agreement also applies. In this agreement, the words “you” and “your” mean the cardholder(s) in whose name the card is issued, the account owner(s), and others designated to us as being authorized to use the card. The words “we,” “our” and “us” mean the Bank which holds the checking account associated with your debit card.

You will be or have been issued a Personal Identification Number (PIN) to use the card when performing transactions at ATMs or making purchases at merchant locations where First Horizon Visa^® debit cards are accepted. PLEASE MEMORIZE YOUR PIN AND DO NOT WRITE IT ON YOUR CARD OR KEEP IT NEAR YOUR CARD. You will be responsible for all transactions made by you or anyone who uses the card with your consent. Your responsibility for unauthorized transactions is described below.

Use of the Card. You may not use your card for an illegal transaction. You may use the card prior to its stated expiration date as follows:

To access funds in your checking account to purchase goods and services everywhere First Horizon Visa^® debit cards are accepted and to obtain cash at financial institutions displaying the Visa^® sign. (2) With your PIN, in certain ATMs as follows:
1. To make cash withdrawals from your checking account from ATMs displaying the logos on the back of your card. And, if authorized in writing, to make withdrawals from savings, transfer funds between your checking and savings accounts, or withdrawal from your credit card account. Some of these services may not be available at all those machines.
2. To make deposits to your checking account (and, if authorized in writing, to your savings account) in our ATMs. Deposits are not allowed at other banks’ ATMs.

Limitations on Usage. When you use your PIN, cash withdrawals from ATMs are limited to $600 per card each business day unless we have agreed with you to authorize a higher amount. When you use your PIN, purchases from Visa^® merchants that accept the First Horizon Visa^® debit card are limited to $2,500 per card each business day unless we have agreed with you to authorize a higher amount. When you sign for your purchases at Visa^® merchants that accept the First Horizon Visa^® debit card, your purchases are limited to $2,500 per card each business day unless we have agreed with you to authorize a higher amount. Non-business days may be considered part of the preceding or following business day for purpose of daily withdrawal limits. Dollar amount and frequency limitations on cash withdrawals from other ATMs may vary.

Liability for Unauthorized Transactions. You MAY be liable for unauthorized use of your card and/or PIN. Let us know AT ONCE if you believe your card or PIN has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account, plus your maximum overdraft line of credit (if you have one).

If your account is a consumer account, your liability will be limited as described below:
1. If you believe your card or PIN has been lost or stolen and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card without your permission. The telephone number and address to report lost or stolen cards is on the front of your card carrier accompanying these disclosures under “Lost/Stolen Card” and “Business Address.”
2. If you do not tell us within two business days after you learn of the loss or theft of your card or PIN and we prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.
3. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you or within 60 days of the time you are notified that your online statement is available, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as an extended trip or hospital stay, kept you from telling us, we will extend the time periods. Call or write us at the telephone number or address shown on the front of your card carrier under “Customer Service” or “Business Address.”
If the card is for a business account, you agree that the card and PIN may be used only by the designated cardholder, that all such use is authorized, that the PIN may not be disclosed to any other person, and that the loss or compromise of the card or PIN will be reported to us within two business days after you learn of its loss or compromise. Notwithstanding, the use of the PIN to effect a transaction before we receive notice of loss or compromise constitutes irrevocable authority to charge the transaction to your account, that you may not assert a claim for any other unauthorized use of your card more than 14 days after we mailed a statement reflecting the disputed transaction or within 14 days of the time you are notified that your online statement is available, and that we will credit your account for any such unauthorized use if promptly reported and if you have not negligently contributed to such unauthorized use. Call or write us at the telephone number or address shown on the front of your card carrier under “Customer Service” or “Business Address.”

Charges. We will not impose a monthly service fee for the First Horizon Visa^® debit card. However, we will charge you fees in accordance with your Depositor Agreement.

International Transactions.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. We will impose an International Service Assessment (“ISA”) fee of up to 3.0 percent of the transaction amount for all purchases, credit vouchers and cash disbursements, both original and reversal transactions, made in a country other than the United States, Puerto Rico or the U.S. Virgin Islands.

Disclosure of Account Information to Third Parties. We will disclose information to third parties about your account or transactions under the following circumstances: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of your account for third parties, such as a credit bureau or merchant; (3) in order to comply with a government agency or court order or subpoena, and (4) if you or your representative give us permission. We also may disclose information under other circumstances authorized by the law of the state in which we are located.

Transaction Receipts. You can get a receipt at the time you use your card, except when using the card by telephone, mail, or home or business computer.

Account Statements. You will get a monthly statement for your checking account for any month in which a deposit, withdrawal or transfer is posted to your account. You will get a monthly statement on your savings account for any month in which you have an electronic fund transfer to or from the account. With other active accounts, you will get a statement at least quarterly.

Liability for Failure to Make Electronic Fund Transfers. If we do not complete an electronic fund transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance: (1) if, through no fault of ours, you do not have enough money in your account to make the transfer; (2) if the transfer will go over the credit limit on your overdraft line; (3) if the transfer exceeds the frequency or dollar amount limits imposed under this agreement; (4) if the terminal or point-of-sale system was not working properly and you knew about the breakdown when you started the transfer; (5) if circumstances beyond our direct control prevent the transfer, despite reasonable precautions that we have taken; (6) if the funds in your account are subject to legal process or other encumbrance restricting such transfer; (7) if there has been incomplete or inaccurate information forwarded by a third party payer or payee; (8) if your card has been reported lost or stolen, or (9) if your card has been canceled. There may be other exceptions to our liability provided by applicable law.

Authorization. Use of the card to purchase goods or services or to obtain cash at a financial institution shall be considered a simultaneous withdrawal from your checking account, even though the withdrawal may not actually be posted to the account until a later date. You authorize us to charge to your checking account all withdrawals originated by authorized use of the card.

Overdrafts. We may require you (and/or the merchant or other entity honoring the card) to obtain approval or authorization for any transaction over a specific dollar amount, and we will not be obligated to authorize use of the card if such transaction will create a negative (overdraft) balance in your account. You agree to pay us on demand any negative (overdraft) balance in your checking account arising from use of the card, except as otherwise provided in this agreement with respect to unauthorized transactions. You further agree to reimburse us for any expenses (including reasonable attorneys’ fees and court costs) we incur in collecting any such negative (overdraft) balance.

Stop Payment and Returns. Withdrawals originated by use of the card shall NOT be subject to stop payment or countermanded. However, if yours is not a business account and you have a problem with the quality of property or services purchased with your card, you may have the right to receive credit to your account for such purchases. There are two limitations: (1) you must first make a good faith attempt to resolve the dispute with the merchant which may include returning the merchandise, canceling the service or giving the merchant a chance to correct the problem, and (2) you must send us written notice early enough to reach us within 30 days after the mailing of the first statement on which the purchase(s) appeared. Send your notice to the address shown on the front of your card carrier under “Business Address.”

Changing our Agreement. We can change the terms of this agreement, including the charges relating to the use of the card, at any time. If the law requires us to notify you in a certain way, we will do so.

Cancellation. The card is our property, and we can cancel it at any time and end your privileges. Also, the closing of your designated checking account will automatically terminate your card privileges, although you are still liable for any authorized transactions that have not yet posted to the account. If your card is canceled, you promise to return the card to us immediately (cut in half for security purposes).

In Case of Errors or Questions About Your Electronic Transfers. Call or write us at the telephone number or address shown on the front of your card carrier under “Customer Service” or “Business Address” as soon as you can if you think your statement or receipt is wrong or you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days (14 days for business accounts) after we sent you the FIRST statement on which the problem or error appeared (or first made available on electronic record pursuant to an electronic banking agreement).

(1) Tell us your name and account number; (2) describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, and

(3) tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so you will have use of the money during the time it takes us to complete the investigation. If we ask you to put your question or complaint in writing, and we do not receive it within 10 business days, we may not credit your account. We may extend the time periods specified in this paragraph as follows: (1) the applicable time is 20 business days instead of 10 if the error notice involves a debit card transaction within 30 days after the first deposit to the account was made, and (2) the time to complete our investigation is 90 business days instead of 45 if the debit card transaction was a foreign transaction, a merchant transaction using your PIN, or occurred within 30 days of the first deposit to the account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If there is no error, we may impose on you a reasonable charge for making reproductions. Our “business days” are shown on the front of your card carrier. We reserve the right to withhold provisional credit to the extent allowed by law, if warranted by the circumstances.

Internet Gambling and Illegal Transactions. We may, but are not required to, deny authorization for any Internet gambling transactions or any illegal transactions. You agree that illegal use of the card will be deemed an action of default and/or breach of contract, and, in such event, the card, your checking 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.

PINLESS Debit Transactions. Previously, your Visa^® card transactions were processed on the Visa^® payment network unless you entered your PIN. Some merchants, such as PULSE, now are allowed to process non-PIN transactions on payment networks other than Visa^®. Merchants that process non-PIN transactions on more than one payment network must provide you with a clear way to choose to have your transactions

processed on the Visa^® payment network. For example, you may have to tell the cashier that you want your transaction processed on the Visa^® payment network, or you may have to make a selection on the terminal at the time of purchase. The provisions in this cardholder agreement relating to transactions processed on the Visa^® payment network may, or may not, be applicable to transactions processed on a non-Visa^® payment network.

Visa^® Money Transfers. You have the ability to receive a credit transfer to your card via a Visa^® Money Transfer under which a third party may transfer funds to you. The transfer will appear as a credit to your account within two business days of receipt. We have the right to refuse/return a transfer if it is restricted or prohibited by federal or local law.

ATM Safety Tips. Please be careful when making transactions at an automated teller machine (ATM). Here are a few basic reminders to keep your ATM experience worry-free. By taking these simple precautions, you can help ensure that your personal safety and privacy are better protected with each transaction you perform. Your safety is important to us.

Be alert and aware of your surroundings while making a transaction.

Use ATMs in well-lit areas and in clear view, especially after sunset.
Park your car as close to the ATM as possible when using a walk-up ATM.
Leave your engine running and doors locked when using a drive-up ATM. When possible, leave enough room between cars to allow for a quick exit should it become necessary.
Look out for suspicious activity near the ATM, particularly after sunset.
Consider having someone accompany you when you use the ATM, especially after sunset.
If you see anyone or anything suspicious while conducting a transaction, cancel your transaction, pocket your card, and leave. Please report any suspicious activity to both the operator of the ATM and to local law enforcement officials immediately.
If you notice anything suspicious, you might consider using another ATM or coming back later.
If you know of any problem with the ATM, please report it to the operator of the ATM.

Minimize your time spent at the ATM.

If the ATM is in use, allow the person using it to move away from the ATM before you approach it.
Shield the ATM keyboard with your body so that others cannot see you enter your Personal Identification Number (PIN).
Do not accept assistance from anyone you do not know when using an ATM and never let someone else enter your PIN.
Once you have completed your transaction, take your money, card, and receipt and immediately move away from the ATM. Refrain from displaying or counting your money until you are in a safe and secure location.
If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area, and call the police.

Protecting your PIN.

Do not provide any personal information, including your card number and/or PIN, to an unsolicited caller.
Never respond to a phone call or voicemail asking you to verify account information or reactivate a service.
Never provide personal information over the phone or via email/text, even if it appears legitimate. Contact the organization directly using information listed on their website or other trusted source.
Memorize your PIN! Giving your PIN to someone is like giving away signed blank checks. Protect your card and PIN as though they were cash.
Never use any easily recognized number as your PIN (e.g., do not use birthdates, house numbers, etc.).
Never write your PIN on your card or anything that is kept with your card.
Do not tell anyone your PIN – not even your financial institution representative, retail store clerk, or police department. Do not give your PIN when making an Internet, mail-order, or telephone-order transaction.

Guard against transaction fraud.

Always take your card from the ATM once your transaction is complete.
You may choose to get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly checking account statements.
Do not lend your card to anyone.
Do not leave your card or documents at the ATM.
Report irregular transactions to your financial institution immediately.
Report lost or stolen cards to your financial institution immediately.