b'FSCLR-D-0121 (AFTI)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due date\neach month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nSet-up and Maintenance Fees\n\nAnnual Fee\nAuthorized User Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\nNOTICE: Some of these set-up and maintenance fees will be assessed before\nyou begin using your card and will reduce the amount of credit you initially have\navailable. For example, if you are assigned the minimum credit limit of $350, your\ninitial available credit will be only about $275 (or about $255 if you choose to have\nan authorized user).\n$75\n$20 annually (an optional fee if you add an additional cardholder to your account)\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cending balance\xe2\x80\x9d. We figure the interest charge on your\nAccount by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash\nadvances and fees) and deducting payments and credits made during the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph\n15 of this Contract.\n\n\x0cTerms and Conditions\nFirst Savings Mastercard\xc2\xae Credit Card Important Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nConditions Of This Pre-Approved Offer: You must: 1) be a resident of the United States; 2) accept this offer on or\nbefore the REPLY BY DATE printed on the application; 3) continue to meet our minimum credit criteria; 4) provide\ninformation on your application that can confirm your income and that you are 18 years old or older; 5) meet our\ndebt-to-income requirements; and 6) NOT have any other credit card issued by First Savings Credit Card. This offer\nis not available to active duty military personnel and their dependents who are covered borrowers (as defined in 32\nC.F.R. 232.3) under the Military Lending Act.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for your\nname, address, date of birth and other information that will allow us to identify you.\nQualify For Future Unsecured Credit: Initially, you will be issued a Mastercard with at least a $350 credit limit, up to a\nmaximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in\ngood standing and maintain your credit profile, you may be eligible to receive future credit limit increases.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.firstsavingscc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nAuthorization / Notices: By accepting this offer, you are requesting credit from us. You confirm that all information you\nprovide to us is true and correct.\nCredit Reports: By responding to this offer, you are authorizing us to obtain credit reports about you, both now and in the\nfuture, for any legitimate business purpose associated with the account or request for an account, including but not limited\nto reviewing, modifying, renewing or collecting on your account. We may report information about your account to credit\nbureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. You\nand each authorized user agree that we may report account information to credit reporting agencies in the names of both\nyou and the authorized user(s).\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\nOPTIONAL PAYMENT PROTECTION PLAN DISCLOSURE TERMS: Payment Protection Plan is an optional program\noffered by First Savings Bank to eligible credit card members. Whether or not you purchase the Payment Protection\nPlan will not affect your application for credit or the terms of any existing credit agreement you have with the bank.\nUpon enrollment, we will give you additional information before you are required to pay for the Payment Protection Plan.\nThis information will include an addendum to your First Savings Bank Credit Card contract that fully describes the program\xe2\x80\x99s\nfeatures and benefits. Please read it carefully for a full explanation of terms including eligibility requirements, conditions and\nexclusions that could prevent you from receiving benefits and defines your cancellation rights. You may cancel your Payment\nProtection at any time and, if you cancel within the first 30 days, any fees charged will be refunded. Your monthly cost is $.89\nper $100 of ending balance. Payment Protection Plan fees will be automatically charged to your account each month.\nBenefits are limited to the minimum monthly payments as of your date of unemployment, disability, hospitalization, military\nleave, certified family medical leave or jury duty up to a maximum of $5,000, or your balance as of your date of death up to a\nmaximum of $5,000. You must be enrolled in the Payment Protection Plan for at least 30 days before your claim occurs. While\nreceiving benefits, you will be unable to make any new charges or cash advances on your credit card. There is a 120-day wait\nperiod between qualified events. Unemployment, disability and military leave benefits cover your minimum monthly payment\nup to 18 months per event. To qualify for unemployment and disability protection, you must work at least 30 hours per week\nfor at least 6 months before the loss. Disability coverage excludes pre-existing conditions for 12 months prior to enrollment,\n\n\x0cexcludes normal pregnancy and excludes childbirth. Military leave applies if you are called to active duty. Hospitalization\nbenefits cover one minimum monthly payment per event. Certified family medical leave consists of caring for a family member\nwith a serious medical condition, caring for a newborn or caring for an adopted child. Certified family medical leave and jury\nduty benefits cover your minimum monthly payment up to 3 months per event.\nFirst Savings Bank may cancel the Payment Protection Plan at any time including, but not limited to, if the account is in default,\ndischarged or terminated, or if you have received the $5,000 maximum benefit. The amount of protection under this contract\nhas limits and may not cancel your entire balance or entire monthly payment. You are responsible for any amounts past due\nor any amounts over your credit limit before your date of loss.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to First Savings Bank (Beresford,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission to\nuse the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any\nrelated fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly\nfrom them. If you want to remove an authorized user from your account, you need to get the card from them and notify\nus. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The\ncards remain our property and you agree to return them at our request or we have the right to have a merchant keep the\ncard and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify\nus immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN\nto use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for\nillegal charges. You may not use your card in connection with any gambling transaction.\n\n3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may\nnot go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your\ncredit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It\nwill also show your minimum payment and payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a\npayment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to\ncollect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them\nand will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to\nmake new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your\nbank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy\nof it at your request.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be twenty-five (25) days\nfrom the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees\nand other charges, and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United\nStates. Do not send cash through the mail.\n\n9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due\ndate. We will charge interest on the ending balance. Ending balance means the balance on your account at the end\nof any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum of the\nprevious balance (the ending balance on your last statement) less payments and credits, plus new purchases and new\ncash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending balance by\nthe monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate of 29.9% by 12\n(months). The monthly periodic rate is 2.4917%.\n\n\x0c10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will\naccrue interest.\na. Annual Fee: A $75 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (888) 469-0291,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible, and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\nIf your account is over the credit limit or past due, authorization for charges should be declined.\n13. Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be\nrecorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to\ncontact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that\nwe will not be responsible for the release of information to anyone who has gained possession of a card or identification\nnumber, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\nthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at: First\nSavings Bank, PO Box 5019, Sioux Falls, SD 57117-5019. In your letter, give us the following information: Your name\nand account number; the dollar amount of the suspected error; a description of the problem. If you think there is an error\non your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us; 1) Within 60\ndays after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business\ndays before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us\nof any potential errors in writing. You may call us but if you do, we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us. If we do not follow all of the rules above, you\ndo not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services. 2) You must have used\nyour credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met\nand you are still dissatisfied with the purchase, contact us in writing at: First Savings Bank, PO Box 5019, Sioux Falls,\nSD 57117-5019. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing\nthem.\n\n\x0c17. Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain\na credit report for reviewing, modifying the terms, renewing the account or collection. We may report information about\nyour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. You and each authorized user agree that we may report account information to credit reporting\nagencies in the names of both you and the authorized user(s).\n18. Change in Terms of your Credit Account: We may change any term of this contract at any time upon notice to you as\nis required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do,\nyour account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts,\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\nIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if\nan account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full.\nIf your account is in default and you try to make charges, we can use any legal means to recover the card(s) including\nlisting your account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation,\nwe can still declare the same or another default later on your account.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have\nnot used your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. Maine Residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection\nat any time.\nd. New York Residents: Consumer reports may be requested in connection with the processing of the application and\nany resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting\nagencies which have provided us with such reports. New York residents may contact the New York Department of\nFinancial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department\nof Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\ne. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'


b'FS49AF-D-0121 (AFTI)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due date\neach month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nSet-up and Maintenance Fees\n\nAnnual Fee\nAuthorized User Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\nNOTICE: Some of these set-up and maintenance fees will be assessed before\nyou begin using your card and will reduce the amount of credit you initially have\navailable. For example, if you are assigned the minimum credit limit of $350, your\ninitial available credit will be only about $301 (or about $281 if you choose to have\nan authorized user).\n$49\n$20 annually (an optional fee if you add an additional cardholder to your account)\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cending balance\xe2\x80\x9d. We figure the interest charge on your\nAccount by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash\nadvances and fees) and deducting payments and credits made during the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph\n15 of this Contract.\n\n\x0cTerms and Conditions\nFirst Savings Mastercard\xc2\xae Credit Card Important Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nConditions Of This Pre-Approved Offer: You must: 1) be a resident of the United States; 2) accept this offer on or\nbefore the REPLY BY DATE printed on the application; 3) continue to meet our minimum credit criteria; 4) provide\ninformation on your application that can confirm your income and that you are 18 years old or older; 5) meet our\ndebt-to-income requirements; and 6) NOT have any other credit card issued by First Savings Credit Card. This offer\nis not available to active duty military personnel and their dependents who are covered borrowers (as defined in 32\nC.F.R. 232.3) under the Military Lending Act.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for your\nname, address, date of birth and other information that will allow us to identify you.\nQualify For Future Unsecured Credit: Initially, you will be issued a Mastercard with at least a $350 credit limit, up to a\nmaximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in\ngood standing and maintain your credit profile, you may be eligible to receive future credit limit increases.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.firstsavingscc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nAuthorization / Notices: By accepting this offer, you are requesting credit from us. You confirm that all information you\nprovide to us is true and correct.\nCredit Reports: By responding to this offer, you are authorizing us to obtain credit reports about you, both now and in the\nfuture, for any legitimate business purpose associated with the account or request for an account, including but not limited\nto reviewing, modifying, renewing or collecting on your account. We may report information about your account to credit\nbureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. You\nand each authorized user agree that we may report account information to credit reporting agencies in the names of both\nyou and the authorized user(s).\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\nOPTIONAL PAYMENT PROTECTION PLAN DISCLOSURE TERMS: Payment Protection Plan is an optional program\noffered by First Savings Bank to eligible credit card members. Whether or not you purchase the Payment Protection\nPlan will not affect your application for credit or the terms of any existing credit agreement you have with the bank.\nUpon enrollment, we will give you additional information before you are required to pay for the Payment Protection Plan.\nThis information will include an addendum to your First Savings Bank Credit Card contract that fully describes the program\xe2\x80\x99s\nfeatures and benefits. Please read it carefully for a full explanation of terms including eligibility requirements, conditions and\nexclusions that could prevent you from receiving benefits and defines your cancellation rights. You may cancel your Payment\nProtection at any time and, if you cancel within the first 30 days, any fees charged will be refunded. Your monthly cost is $.89\nper $100 of ending balance. Payment Protection Plan fees will be automatically charged to your account each month.\nBenefits are limited to the minimum monthly payments as of your date of unemployment, disability, hospitalization, military\nleave, certified family medical leave or jury duty up to a maximum of $5,000, or your balance as of your date of death up to a\nmaximum of $5,000. You must be enrolled in the Payment Protection Plan for at least 30 days before your claim occurs. While\nreceiving benefits, you will be unable to make any new charges or cash advances on your credit card. There is a 120-day wait\nperiod between qualified events. Unemployment, disability and military leave benefits cover your minimum monthly payment\nup to 18 months per event. To qualify for unemployment and disability protection, you must work at least 30 hours per week\nfor at least 6 months before the loss. Disability coverage excludes pre-existing conditions for 12 months prior to enrollment,\n\n\x0cexcludes normal pregnancy and excludes childbirth. Military leave applies if you are called to active duty. Hospitalization\nbenefits cover one minimum monthly payment per event. Certified family medical leave consists of caring for a family member\nwith a serious medical condition, caring for a newborn or caring for an adopted child. Certified family medical leave and jury\nduty benefits cover your minimum monthly payment up to 3 months per event.\nFirst Savings Bank may cancel the Payment Protection Plan at any time including, but not limited to, if the account is in default,\ndischarged or terminated, or if you have received the $5,000 maximum benefit. The amount of protection under this contract\nhas limits and may not cancel your entire balance or entire monthly payment. You are responsible for any amounts past due\nor any amounts over your credit limit before your date of loss.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to First Savings Bank (Beresford,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission to\nuse the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any\nrelated fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly\nfrom them. If you want to remove an authorized user from your account, you need to get the card from them and notify\nus. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The\ncards remain our property and you agree to return them at our request or we have the right to have a merchant keep the\ncard and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify\nus immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN\nto use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for\nillegal charges. You may not use your card in connection with any gambling transaction.\n\n3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may\nnot go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your\ncredit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It\nwill also show your minimum payment and payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a\npayment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to\ncollect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them\nand will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to\nmake new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your\nbank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy\nof it at your request.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be twenty-five (25) days\nfrom the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees\nand other charges, and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United\nStates. Do not send cash through the mail.\n\n9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due\ndate. We will charge interest on the ending balance. Ending balance means the balance on your account at the end\nof any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum of the\nprevious balance (the ending balance on your last statement) less payments and credits, plus new purchases and new\ncash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending balance by\nthe monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate of 29.9% by 12\n(months). The monthly periodic rate is 2.4917%.\n\n\x0c10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will\naccrue interest.\na. Annual Fee: A $49 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (888) 469-0291,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible, and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\nIf your account is over the credit limit or past due, authorization for charges should be declined.\n13. Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be\nrecorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to\ncontact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that\nwe will not be responsible for the release of information to anyone who has gained possession of a card or identification\nnumber, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\nthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at: First\nSavings Bank, PO Box 5019, Sioux Falls, SD 57117-5019. In your letter, give us the following information: Your name\nand account number; the dollar amount of the suspected error; a description of the problem. If you think there is an error\non your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us; 1) Within 60\ndays after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business\ndays before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us\nof any potential errors in writing. You may call us but if you do, we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us. If we do not follow all of the rules above, you\ndo not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services. 2) You must have used\nyour credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met\nand you are still dissatisfied with the purchase, contact us in writing at: First Savings Bank, PO Box 5019, Sioux Falls,\nSD 57117-5019. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing\nthem.\n\n\x0c17. Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain\na credit report for reviewing, modifying the terms, renewing the account or collection. We may report information about\nyour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. You and each authorized user agree that we may report account information to credit reporting\nagencies in the names of both you and the authorized user(s).\n18. Change in Terms of your Credit Account: We may change any term of this contract at any time upon notice to you as\nis required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do,\nyour account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts,\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\nIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if\nan account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full.\nIf your account is in default and you try to make charges, we can use any legal means to recover the card(s) including\nlisting your account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation,\nwe can still declare the same or another default later on your account.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have\nnot used your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. Maine Residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection\nat any time.\nd. New York Residents: Consumer reports may be requested in connection with the processing of the application and\nany resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting\nagencies which have provided us with such reports. New York residents may contact the New York Department of\nFinancial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department\nof Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\ne. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'


b'PRICING INFORMATION FOR\nTHE ASSOCIATION OF TEXAS PROFESSIONAL EDUCATORS REWARDSSM VISA\xef\x83\xa2 CREDIT CARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate\nto\nbased on your\n(APR) for Purchases\ncreditworthiness when you open your Account.\nAfter that, your APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\nPrime Rate plus 11.99% to 21.99% based on your creditworthiness when you open\nyour Account.\nAfter that, your APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\nPrime Rate plus 21.99% for Non-Overdraft Cash Advances.\n(Non-Overdraft & Overdraft)\nPrime Rate plus 21.99% for Overdraft Cash Advances.\nThese APRs will vary with the market based on the Prime Rate.\nPenalty APR and When it\nPrime Rate plus 23.99%\nApplies\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your Account if you fail to make the required minimum\nmonthly payment within 60 days of the respective payment due date.\n\nPrime Rate plus 11.99% 21.99%\n\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nHow Long Will the Penalty APR Apply?: If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on Purchases if you pay the entire balance by the due date\neach month. We will begin charging interest on Cash Advances and Balance Transfers\non the transaction date.\nIf you are charged interest, the charge will be no less than $2.50.\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nTransaction Fees\n- Balance Transfer\n\nEither $10 or 5% of the amount of each Balance Transfer, whichever is greater.\n\nPaying Interest\n\n- Non-Overdraft\nCash Advance\n- Overdraft Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n- Foreign Transaction\n\n1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other\nthan U.S. Dollars.\nUp to 20% of each qualifying transaction(s) made using an Installment Plan. Each\nInstallment Plan Fee will be disclosed prior to establishing the Installment Plan.\n\nInstallment Plan Fee\nPenalty Fees\n- Late Payment\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cDaily Balance\xe2\x80\x9d (including new Purchases and Fees).\nSee the account agreement for more details.\nStandard APR: Your standard APRs will be disclosed in your Account Opening Disclosure with your new credit card\napproximately 7-10 business days after Account approval.\nPrime Rate: The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall\nStreet Journal in its column called \xe2\x80\x9cMoney Rates\xe2\x80\x9d on the last business day of each month. Although each Daily Periodic\nRate is determined by an index published prior to the first day of each calendar month, the respective Daily Periodic Rate\nwill only become effective and charged as of the first day of the monthly billing period following the respective calendar\nmonth in which the index is so published. No representation is made that the U.S. Prime Rate is the lowest, the best or\nthe favored rate of interest. If for any reason The Wall Street Journal no longer publishes the \xe2\x80\x9cMoney Rates\xe2\x80\x9d column, then\nwe will choose a new index based on comparable information. An increase in the Prime Rate will cause your interest rate\nto increase and may cause your minimum monthly payment to increase.\nDaily Periodic Rate: The Daily Periodic Rate for all APRs equals the APR divided by 365.\n\n\xc2\xa9 2020 Commerce Bancshares, Inc.\n\n\x0c'