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… with us governing the credit card account (“Account”).  <strong>You</strong> have accepted the terms and conditions of this Agreement … keep your Account balance below your Credit Limit. If <strong>you</strong> <strong>do</strong> not, we may request immediate payment of the amount by … credit card with Arvest Flex Rewards™, Arvest will <strong>offer</strong> <strong>you</strong> the higher-valued product for which <strong>you</strong> qualify, …

… (“Agreement”) is your contract with us governing the <strong>credit</strong> card account (“Account”).  You have accepted the terms … The term “<strong>Credit</strong> Card” refers to one or more <strong>Credit</strong> <strong>Cards</strong> or other access devices (including an Account number) … on an advertisement we mailed to you, or if we own the <strong>company</strong> that sold you the goods or services). Cash Advances …

… Arkansas, (hereinafter called “Issuer”), will issue to the <strong>company</strong> that agreed to the terms of this Agreement by its … (hereinafter called “<strong>Company</strong>” or “You”) certain VISA® <strong>credit</strong> <strong>cards</strong> (“Card” or “<strong>Cards</strong>”) for use by <strong>Company</strong>’s employees in …

… “ Points ”) for certain purchases made using an eligible <strong>credit</strong> card issued by Arvest (the “ Card ”) to be redeemed by … transfers, wire transfers, purchases/reloading of prepaid <strong>cards</strong> or purchases of other cash equivalents, off-track … and policies established by the applicable car rental <strong>company</strong>. Performance by the car rental <strong>company</strong> of car rental …

… “ Points ”) for certain purchases made using an eligible <strong>credit</strong> card issued by Arvest (the “ Card ”) to be redeemed by … transfers, wire transfers, purchases/reloading of prepaid <strong>cards</strong> or purchases of other cash equivalents, off-track … and policies established by the applicable car rental <strong>company</strong>. Performance by the car rental <strong>company</strong> of car rental …

… and our goal is to make this a smooth transition for <strong>you</strong>. Enclosed <strong>you</strong> will find your personal account summary, … and click on the Ask Arvest-FAQs tab. TRANSITION Q: WHAT <strong>DO</strong> I NEED TO <strong>DO</strong> TO GET READY FOR ACCOUNT CONVERSION? A: Prior … HOW <strong>DO</strong> I TRANSFER <strong>MONEY</strong> BETWEEN MY ARVEST ACCOUNTS? A: We <strong>offer</strong> a variety of convenient ways to transfer funds between …

… You should immediately sign each Credit <strong>Card</strong>\b If you <strong>do</strong> not wish to be bound by this Agreement, you must cut in … anyone to honor the Credit C a r d \b Y o u m a y r e c e <strong>i</strong> v e a C a s h A d v a n c e b y u s <strong>i</strong> n g o n e o f t h e … Payment Due will extend the time it takes you to pay <strong>off</strong> your outstanding balance\b 5\b Application of Payments. …

… You should immediately sign each Credit <strong>Card</strong>\b If you <strong>do</strong> not wish to be bound by this Agreement, you must cut in … anyone to honor the Credit C a r d \b Y o u m a y r e c e <strong>i</strong> v e a C a s h A d v a n c e b y u s <strong>i</strong> n g o n e o f t h e … Payment Due will extend the time it takes you to pay <strong>off</strong> your outstanding balance\b 5\b Application of Payments. …