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	SIMMONS FIRST NATIONAL BANK CARD - IMPORTANT DISCLOSURES

Please read the Important Disclosures and download or print a copy for your records. I understand that in order to apply for this offer I must be able to download or print a copy of the Important Disclosures provided herein and by applying I am attesting that I have read the Important Disclosures, downloaded or printed a copy and agree to be bound as specified therein.

ACCOUNT OPENING DISCLOSURES
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases	7.25% Variable APR This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	7.25% Variable APR This APR will vary with the market based on the Prime Rate.
APR for Cash Advances and Convenience Checks	11.25% Variable APR This APR will vary with the market based on the Prime Rate.
Paying Interest	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.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.qov/creditcard.
FEES
Annual Fee		None
Transaction Fees    Balance Transfer    Cash Advance and    Convenience Checks    Foreign Purchase    Transaction		None 3% of the amount of each cash advance, but not less than $4.00 nor more than $50.00. 2% of each purchase transaction in US dollars.
Penalty Fees    Late Payment    Returned Payment		An amount equal to past due payment or $25.00, whichever is less. Up to $25

How We Will Calculate Your Balance: We use a method called "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 of 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 on new purchases if the entire balance in your account is paid by the due date each month.
2. 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."
   
3. 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 4.00% per annum. The rate on your account for cash advances and convenience checks is the Prime Rate plus 8.00% 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 13, 2010.

The information about the costs of the card(s) is accurate as of August 22, 2010. 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 7836, Pine Bluff, Arkansas 71611.

The membership services of this application are provided by Simmons First National Bank, Pine Bluff, Arkansas. The applicant(s), as an inducement to issue card, represents and warrants information in or in connection with application to be complete and correct, and that applicant will by accepting the card be bound by the Card Membership Rules supplied with the card and as amended by issuer from time to time, and applicant authorizes Simmons First National Bank to verify or make inquiries regarding such application information and to furnish same to others in routine credit manner. All of the applicants agree to be jointly and severally liable with applicant to the extent of use of the card and to be bound by the Card Membership Rules as amended by issuer from time to time.

Signature(s) required for credit lines of $10,000 and above. If you qualify for a credit line of $10,000 or above, we will send a form to you for your signature(s) prior to mailing the card(s). Credit lines above $10,000 will require a financial statement.

INTERNET PRIVACY

While information is the cornerstone of our ability to provide superior service at Simmons First, our important asset is our customer's trust. Keeping customer information secure, and using it only as our customers would want us to, is top priority for all of us at Simmons First. Here then, is our promise:

1. We will safeguard, according to acceptable standards of security and confidentiality, any information our customers share with us.
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services, and other opportunities, and to administer our business. We will permit only authorized Simmons First employees, who are trained in the proper handling of customer information, to have access to that information.
3. We will always maintain control over the confidentiality of our customer information.
4. You can visit our website and find out about our products and services; read our Corporate reports, or get a news update and other value-added services without giving us any information about yourself.
5. If you do provide personal information, such as address, e-mail, telephone and fax numbers, as well as demographics and customer identification, we will not disclose (share, sell or divulge) it to external organizations unless we have informed you, been authorized by you, or are required to do so by activities and transactions, according to our usual strict security and confidentiality standards.

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