b'Visa\xc2\xae Platinum Credit Card Agreement\nis determined that a Convenience Check should have been paid, but was not, we will\nnot be liable for any consequential, punitive, or incidental damages if we acted in good\nfaith. Our only obligation under those circumstances will be to pay the designated\npayee the amount of the Convenience Check and cancel any charges assessed\nagainst your Account as a result of any wrongful failure to honor the Convenience\nCheck.\n7. Balance Transfers: We may permit you to transfer balances from other\ncompanies, including financial institutions. However, you cannot make Balance\nTransfers from the Bank accounts. The amount of your total Credit Limit which we\nmay allow to you for a Balance Transfer reduces the amount of the Credit Limit\navailable for Purchases and Advances. Finance Charges on your Balance Transfers\naccrue from the date of transfer to your Account. If you reach your limit on the amount\nof credit we allocate to you for one or more Balance Transfers, you may not transfer\nadditional balances even if you have not reached your total Credit Limit. Balance\nTransfers will post to the Account and be separately reflected on the monthly Account\nstatements as a Balance Transfer, or, depending upon the offer, may post to the\nAccount and be treated as a Purchase, or as an Advance transaction.\n\nThis is a card member agreement and disclosure statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) between\nyou and Hills Bank and Trust Company containing the terms that will apply to your Hills\nBank Visa Platinum (\xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means each\nindividual accepting a solicitation or applying for the Account or otherwise agreeing to\nbe responsible for the Account. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cthe Bank\xe2\x80\x9d means Hills Bank\nand Trust Company, the issuer of the Card and your Account creditor. Other terms are\ndefined in the text of the Agreement. Please read this Agreement carefully and keep it\nin a safe place to make the best use of the Hills Bank credit card we issue with this\nAccount (the \xe2\x80\x9cCard\xe2\x80\x9d). The Agreement becomes effective as soon as you or someone\nauthorized by you uses the Card or Account, but no later than 30 calendar days after\nwe issue and you fail to return the Card.\nACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT\n1. Use: Charging privileges on the Card and Account are provided by the Bank\npursuant to the terms of this Agreement. Charge activity, Account status, and any\nAccount delinquency information will be provided to you monthly. You may use the\nCard to obtain an Advance (as defined below) from a participating financial institution\nor Automated Teller Machine (ATM). You may use the Account only for personal,\nfamily, or household purposes.\n2. Your Acceptance of the Agreement: By accepting, signing, or using this Card or\nAccount, or by continued use of an existing Card or Account, you are agreeing to the\nterms of this Agreement.\n3. Account Purchases: You may use the Account to buy, lease, or otherwise obtain\ngoods or services from participating merchants (including transactions you initiate via\nemail, by telephone, or over the Internet) or take advantage of special promotional\nConvenience Check or Balance Transfer offers that post as Purchase Transactions\n(\xe2\x80\x9cPurchases\xe2\x80\x9d). We will, in connection with any promotional Balance Transfer or\nConvenience Check offer we make, provide you with materials that explain whether\nthose transactions will post and be treated as a Purchase. Even if you have not\nsigned a sales draft or the merchant has not supplied you with a written receipt or\nother proof of sale, you are responsible for all Purchases made through the Account,\nexcept as expressly limited by applicable law. See \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section for\nmore detail.\n4. Account Advances: Advances are transactions other than Purchases that allow\nyou direct access to funds available through your Account. Advances may include\nAccount transactions such as cash advances you obtain directly from us, other\nparticipating financial institutions, ATMs, telephone transfers, Balance Transfers, or\nConvenience Checks. Monthly Account statements we issue may refer to Advances\nas \xe2\x80\x9cAdvance\xe2\x80\x9d, \xe2\x80\x9cCash\xe2\x80\x9d, \xe2\x80\x9cCash Advances\xe2\x80\x9d, or by the product or device you used to\nobtain an Advance. You may use your Account to obtain cash either by presenting\nyour Card at any bank or other financial institution that accepts the Card or by making\na withdrawal of cash at an ATM. We may restrict the amount of the credit limit that is\navailable for Advances. If an Advance limit greater than the percentage available is\nrequested, it will be subject to credit approval. You may be limited in the amount\nand/or number of Advances you may make on your Account.\n5. Convenience Checks: From time to time, we may supply Convenience Checks\nfor use by the person(s) named on those checks. Convenience Checks are drafts that\nlook like other checks, but are drawn on credit available in the Account. We may,\nbased on the particular offers we make from time to time, provide Convenience\nChecks that will post and be treated as an Advance or Convenience Check that will\npost and be treated as a Purchase. We will, in connection with any Convenience\nCheck we provide, include materials that explain whether the Convenience Check will\npost and be treated as an Advance or as a Purchase. Convenience Checks must be\nwritten in U.S. dollars. We may return a Convenience Check unpaid if:\n(a) the credit available under your Credit Limit is less than the Convenience Check\namount;\n(b) the Account is in default; or\n(c) the Convenience Check is improperly signed or otherwise fails to conform to our\nregularly accepted standards for check payment. Convenience Checks may not be\nused\nto pay the Account or any obligation you owe us or our affiliates.\n6. Paying and Stopping Payment on Convenience Checks: You must use the\nnumber and address provided in the \xe2\x80\x9cLost or Stolen Card or Convenience Check\xe2\x80\x9d\nsections to request that payment be stopped on a Convenience Check. You must call\nus promptly with an oral stop payment request and then provide us with a written\nconfirmation of the stop payment request within 14 calendar days. Any stop payment\nrequest we receive will remain in effect for 6 months, unless you renew the request in\nwriting before the end of that time. We may pay Convenience Checks more than 6\nmonths old. There may be circumstances under which a Convenience Check must be\npaid, even if we have received a stop payment request from you. We will not be liable\nto you if we do not honor your stop payment request under those circumstances. If it\n\nFINANCE CHARGES AND ACCOUNT FEES\n8. Account Finance Charges: Finance Charges reflect the cost of credit. Your total\nFinance Charge for any billing cycle will equal the amount of any (a) periodic rate\nFinance Charges (sometimes referred to as \xe2\x80\x9cinterest\xe2\x80\x9d here and on monthly Account\nstatement); (b) Advance transaction fees; and (c) any other transaction fees that are\nconsidered Finance Charges. In some of the following sections we have abbreviated\nthe terms \xe2\x80\x9cmonthly periodic rate\xe2\x80\x9d as MPR, \xe2\x80\x9caverage daily balance\xe2\x80\x9d as \xe2\x80\x9cADB\xe2\x80\x9d, and\n\xe2\x80\x9cannual percentage rate\xe2\x80\x9d as \xe2\x80\x9cAPR\xe2\x80\x9d.\n9.1 Interest rate: Your Annual Percentage Rate and the corresponding monthly\nperiodic interest rates are listed on the attached rates and fee table. Your account is\neligible for an Introductory Rate. The Rates and Fees table attached describes the\nduration of the Introductory Rate, the transactions to which the Introductory Rate\napplies, the Introductory Monthly Periodic Rate and the corresponding Annual\nPercentage Rate (APR) applicable to your account as of the date the account was\nopened. After the Introductory Rate expires the balances that had been charged the\nIntroductory Rate will be subject to the Standard Annual Percentage Rate. The Prime\nRate used to calculate the APR will be the Prime Rate on the 15th day of each month\nor the first regular business day thereafter as published on that business day in the\nMoney Rates column of The Wall Street Journal (\xe2\x80\x9cWSJ\xe2\x80\x9d). The APR may increase if the\nPrime Rate increases. An increase will take effect the day after your statement cycles\nfollowing the 15th of the month. An increase will result in an increase in the finance\ncharge and it may have the effect of increasing your periodic minimum payment. The\nAPR will not change more often than once a month. A decrease will have the opposite\neffect of an increase. If the Prime Rate changes more frequently than the APR, we will\nalways use the Prime Rate in effect on the day we adjust the APR to determine the\nnew APR. In such case we will ignore any changes in the Prime Rate that occur\nbetween APR adjustments. Any rate change will be applied to all balances carried\nforward from the last statement. We reserve the right to choose a comparable new\nindex if the WSJ ceases to publish a Prime Rate.\n9.2 Interest Rate for Cash Advances: The MPR and the corresponding variable\nAPR will be determined by adding nine percentage points (9.0%) to the Prime Rate in\nrespect of the Account for the billing cycle. The Prime Rate used to calculate the APR\nwill be the Prime Rate on the 15th day of each month or the first regular business day\nthereafter as published on that business day in the Money Rates column of WSJ. The\nAPR may increase if the Prime Rate increases. An increase will take effect the day\nafter your statement cycles following the 15th of the month. An increase will result in\nan increase in the finance charge and it may have the effect of increasing your\nperiodic minimum payment. The APR will not change more often than once a month.\nA decrease will have the opposite effect of an increase. If the Prime Rate changes\nmore frequently than the APR, we will always use the Prime Rate in effect on the day\nwe adjust the APR to determine the new APR. In such case we will ignore any\nchanges in the Prime Rate that occur between APR adjustments. Any rate change will\nbe applied to all balances carried forward from the last statement. We reserve the\nright to choose a comparable new index if the WSJ ceases to publish a Prime Rate.\n10. Interest Finance Charge: Finance Charges on your Account for Purchases and\nAdvances are calculated separately.\nPurchases (Method G)\nA Finance Charge will be imposed on Purchases only if you elect not to pay the entire\nNew Balance shown on your previous monthly statement within 25 days from the\nclosing date on the statement. If you elect not to pay the entire New Balance shown\non your previous monthly statement within 25 days from the closing date on the\nstatement, a Finance Charge will be imposed on the unpaid balance of Purchases\nfrom the statement closing date (including new Purchases) and will continue to accrue\n\n1\n\nEffective 10/05 | Revision 12/15\n\n\x0cVisa\xc2\xae Platinum Credit Card Agreement\nIMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT\n13. Credit Limit: The Account Credit Limit is the maximum amount of credit available\nand that you may owe under the Account at any time. You may not request or obtain\nadditional Purchases, Advances, or Balance Transfers once you have reached your\nCredit Limit. The initial Credit Limit is shown on the Card carrier and will also appear\non your monthly Account statement. We reserve the right to review your Account at\nany time and increase or decrease your Credit Limit. You may not increase your\nCredit Limit by carrying a credit balance over the Credit Limit we make available to\nyou. (Also see the \xe2\x80\x9cAdvance Limits\xe2\x80\x9d section for more information about Limits on\nAdvance transactions section.)\n14. Payment:\n(a) Promise to Pay: You agree to pay for all Purchases, Advances, Finance\nCharges, fees, and any other obligations incurred on the Account.\n(b) Method of Payment: You must pay us in U.S. dollars with checks or similar\npayment instruments drawn on a financial institution located in the United States. We\nmay, at our option, choose to make an exception and accept a payment drawn on a\nforeign bank. However, you will be charged and agree to pay any collection fees\nrequired in connection with such a transaction. The date you mail a payment is\ndifferent than the date we receive payment. For purposes of this Agreement, the\npayment date is the day we receive your check or money order at the address\nspecified on your monthly Account statement. If you mail your payment without a\npayment coupon or to an incorrect address, it may result in a delayed credit to your\nAccount. This may result in additional Finance Charges, fees, and possible\nsuspension of your Account.\n(c) Minimum Monthly Payment: Each month you must pay at least the Minimum\nPayment and any past due Minimum Payment by the Payment Due Date shown in\nyour monthly Account statement. Your Minimum Payment for Purchases and Cash\nAdvances is 3.0%, rounded up to the nearest dollar, of the total Purchase and Cash\nAdvance balance (excluding late payment), or $25.00 whichever is greater. In\naddition, your Minimum Payment will include all amounts delinquent, and amounts in\nexcess of your Credit Limit. If your outstanding Purchase and Cash Advance balance\nis less than $25.00 then the entire balance is due. You also may pay the entire\nbalance on your Account at any time or pay any amount between the Minimum\nPayment and your entire balance. Any changes in your Minimum Payment due will be\nreflected on your monthly statement in the month in which the Minimum Payment due\nis affected. However, in all cases, you may continue to pay any amount equal to or\ngreater than the Minimum Payment due.\n(d) Application of Payment: We may allocate payments to amounts owed on your\nAccount in the manner we deem appropriate, including but not limited to, applying\npayment to promotional balances, such as Balance Transfers, before applying them to\nPurchases and Advances.\n15. Change of Address: Your monthly Account statements and notices about your\nAccount will be sent to the address you provided in your application or your response\nto our Account solicitation. To change your address, you must call us at 1-800-4455725 or write to us at the following address:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\nWe must receive this information 15 days before the date a billing cycle closes to\nprovide your monthly Account statement at your new address. Note: If you have an\naddress change within 45 days of the expiration date of your Card(s), please contact\nthe Hills Bank Contact Center at 1-800-445-5725 with that information so your new\nCard(s) can be mailed to your new address.\n16. Authorized Use: You agree not to give your Card to anyone else or to authorize\nanyone to use the Account. If you give your Card or Account number to someone and\nthey use either, you will be liable for any charges that the person incurs.\n17. Lost or Stolen Card or Convenience Checks: You must notify us immediately if\nyour Card or Convenience Checks are lost or stolen or there is possible unauthorized\nuse of your Card or Account. You will not be liable in excess of $50.00 for any theft or\nloss for purchase charges that occur after notification to the Bank. You must notify\neServices by phone at 1-800-445-5725, or 1-800-423-7503 or in writing to:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\nIf this happens, we will ask you and all other persons given Account access to return\nall Cards and unused Convenience Checks to our eServices Department. In addition,\n\nuntil the closing date of the billing cycle preceding the date on which the entire New\nBalance is paid in full or until the date of payment if more than 25 days from the\nclosing date.\nThe Finance Charge for a billing cycle is computed by applying the Monthly Periodic\nRate (which is the APR divided by 12 months) to the Average Daily Balance of\nPurchases, which is determined by dividing the sum of the daily balance of Purchases\nduring the billing cycle by the number of days in the cycle. Each daily balance is the\nprincipal balance including current cycle Purchases and payments and credits as\nreceived, but excluding any unpaid Finance Charges.\nCash Advances (Method A)\nA Finance Charge will be imposed on Advances from the date of the Advance or from\nthe first day of the billing cycle in which the Advance is posted to the Account,\nwhichever is later, and will continue to accrue until the date of payment. The Finance\nCharge for a billing cycle is computed by applying the Monthly Periodic Rate (which is\nthe APR divided by 12 months) to the Average Daily Balance and Advances which is\ndetermined by dividing the sum of the daily balances of Advances during the billing\ncycle by the number of days in the cycle. Each daily balance is determined by adding\nto the Previous Balance (the outstanding balance of your Account at the beginning of\nthe billing cycle) any Purchase as of the date it is posted to your Account and any\nAdvances as of the transaction date or the first day of the billing cycle in which the\nAdvance is posted to the Account, whichever is later, and subtracting all payments as\nreceived and credits as posted through that date, but excluding any unpaid Finance\nCharges.\nAny Finance Charge shown on your monthly statement is computed only through the\nlast date of the billing cycle. Since Finance Charges continue to accrue until the date\nyour payment is received and posted to your Account, additional Finance Charges\nmay appear on the following month\xe2\x80\x99s statement. The amount of the Finance Charge\nand the Advance Fee may be changed from time to time. There is a minimum Finance\nCharge of 50 cents in any billing cycle in which a Finance Charge is due.\n11. Grace Period: You have a 25 day Grace Period for Purchases (including any\npromotional Balance Transfers or Convenience Checks that will post as Purchases),\nprovided you have paid your Previous Balance in full by the Payment Due Date shown\non your monthly Account statement. In order to avoid additional Finance Charges on\nPurchases, you must pay your New Balance in full by the Payment Due Date shown\non the front of your monthly Account statement. There is no grace period for\ntransactions that post to the Account as Advances. Those transactions are subject to\ninterest from the date they post to the Account until the date they are paid in full.\n12. Account Fees: We may charge the following fees. The amounts of these fees\nare listed in the attached rates and fee table.\n(a) Cash Advance Transaction Fee: We will add a Finance Charge to the Advance\nbalance of the Account in the form of the Advance Transaction Fees disclosed below\nfor each Advance you obtain during a billing cycle. The fees imposed will equal the\ngreater of the fees based on a disclosed percentage of each Advance of the minimum\ndollar amount, shown below.\nCASH RECEIVED\nPERCENTAGE\nMINIMUM\nFROM:\nOF CASH FEE:\nMAXIMUM:\nFINANCIAL INSTITUTION\n3.0%\n$ 5.00\nOR ATM\n$15.00\n(b) Annual Fee: None\n(c) Late Payment Fee: We will add a Late Payment Fee of $27.00 to the Purchase\nbalance of the Account if your Minimum Payment is not received by the Payment Due\nDate shown on the monthly Account statement.\n(d) Returned Payment Fee: We will add a Returned Payment Fee of $27.00 to the\nPurchase balance of the Account if a draft or check you give us as payment on the\nAccount is not honored or if we must return it to you because it cannot be processed.\nA check that is returned unpaid may be sent for collection.\n(e) Returned Convenience Check Fee: We may charge a fee of $35.00 to the\nPurchase balance of the Account if you write a Convenience Check that we do not\nhonor under the terms of this Agreement. (See \xe2\x80\x9cConvenience Checks\xe2\x80\x9d, and \xe2\x80\x9cPaying\nand Stopping Payment on Convenience Checks\xe2\x80\x9d sections for more details).\n(f) ATM Surcharges: When you use an ATM not owned by us, you may be charged\na fee by the ATM owner or network used to complete the transaction and you may be\ncharged for a balance inquiry.\n(g) Card Usage Reports Fee: We may offer additional reports regarding Card usage\nand Account transactions which will be provided upon your request for an agreed upon\nfee.\n(h) Foreign Transactions: A 1.0% fee is assessed only on international transactions\nwhen a currency conversion occurs. Visa will also impose a 0.8% fee on foreign\ntransactions where a currency conversion is not performed.\n\n2\n\nEffective 10/05 | Revision 12/15\n\n\x0cVisa\xc2\xae Platinum Credit Card Agreement\nreturned to us or otherwise destroyed or surrendered as we instruct. We extend all\nAccount credit to you in and from the State of Iowa, regardless of where you reside or\nuse the Account. This Agreement is governed by Iowa law, and, to the extent\nnecessary for interest exportation or consumer protection purposes, by federal law,\nregardless of the internal conflict of law principles of the state where you reside or use\nthe Account. If a dispute arises and you file a lawsuit against us, service or process\nmust be made on the Bank at the following address:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\n26. Changing the Agreement: The Bank may change all or any part of this\nAgreement at any time, including changing the APR and other fees on the Account,\nunless prohibited by law. We will give at least 30 days notice before the effective date\nof any change. On the effective date, the changes, including any changes in APR or\nrecalculation of Finance Charges, will apply to all amounts you owe at the time the\nchange goes into effect. If you do not agree to the changes, you must notify us in\nwriting within 25 days after the effective date of the change; you also must pay any\nremaining amount due and destroy the Card. You may pay the remaining amount all\nat once or the Bank may allow you to continue making payments under the existing\nterms. Otherwise, you will have agreed to the changes in the notice. Use of the\nAccount after the effective date of the changes shall be deemed acceptance of the\nnew terms, even if the 25 days have not expired.\n27. Cancellation:\n(a) The Bank may cancel the Account or suspend credit privileges immediately and\nwithout notice if the Account is in default. We may also cancel the Account in our sole\ndiscretion (even if the Account is not in default) by providing notice to you. You may\ncancel the Account by providing notice to us.\n(b) After cancellation of the Account, you will not be able to obtain additional credit on\nthe Account and must agree not to use the Account. All amounts outstanding on the\nAccount will be immediately due and payable without notice or demand.\n(c) If you fail to pay any amount you owe under this Agreement, you will be liable for\nour costs of collecting. In addition, if we refer our claim to an attorney for collection,\nyou will be liable for reasonable attorney\xe2\x80\x99s fees we incur and expenses of any legal\nactions.\n28. Assignment of your Account to Another Creditor: We may assign, sell, or\ntransfer your Account and amounts owed by you to another creditor at any time. If we\ndo, this Agreement will still be in effect unless and until amended and any references\nmade in this Agreement to \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, or \xe2\x80\x9cthe Bank\xe2\x80\x9d will refer to the creditor to\nwhich we assigned, sold, or transferred the Account or amounts owed under the\nAccount. You may not delegate your obligation and responsibilities to us to any third\nparty without our express written consent.\n\nwe have the right to close your Account and open a new Account. If we do so, new\nCards and Convenience Checks will be issued for your new Account.\n18. U.S. Currency: If you make a Purchase or Cash Advance in foreign currency the\ntransaction will be converted into U.S. Dollars by Visa.\nFor Visa Accounts: To the extent that you have used your Visa card to Purchase\ngoods or services, or obtain cash in another country, your statement may reflect the\nconversion into U.S. dollars of transactions which occurred, initially, in a different\ncurrency. The exchange rate applied to such transactions is a (i) wholesale market\nrate or (ii) government-mandated rate in effect one day prior to the processing date,\nincreased by one percent. We reserve the right to charge you an additional one\npercent (1.0%) of the U.S. dollar amount of any international transaction, whether that\ntransaction was originally made in U.S. dollars or was made in another currency and\nconverted to U.S. dollars by Visa or MasterCard. In either case, the 1.0% will be\ncalculated on the U.S. dollar amount provided to us by that entity. The same process\nand charges may apply if any international transaction is reversed.\nYOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT\n19. Responsibility to Pay: You agree to pay us for all Purchases, Advances,\nBalance Transfers, Finance Charges, Account Fees and charges, any other\ntransaction charges as provided in this Agreement and, to the extent permitted under\napplicable law, attorneys fees, and collection costs we incur enforcing this Agreement\nagainst you. This is the case even if the Account is only used by you, or someone to\nwhom you\xe2\x80\x99ve given access to the Account.\n20. Liability for Charges: You are individually liable and you and the individual or\nco-obligor(s) who accepted the application for credit, if any, are jointly liable for all\ncharges to the Account including, without limitation, all fees and Finance Charges.\n21. Intent to Repay: Every time you use the Account, you represent to us that you\nintend and have the reasonable ability to repay your Account obligations. We rely on\nthat representation every time you use the Account.\n22. Settling a Disputed Balance: Payment in Full \xe2\x80\x94 If you want to settle a\ndisagreement with us about any amount you owe by sending a check on which you\nhave written \xe2\x80\x9cPayment in Full\xe2\x80\x9d or similar language, you must send us a written\nexplanation of the disagreement and dispute and send such check to:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\n(See \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section for complete details.) Writing \xe2\x80\x9cPayment in Full\xe2\x80\x9d or\nsimilar language on the check will not be enough to resolve the dispute. If we collect a\ncheck or any payment instrument marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d that you send without a written\nexplanation of the disagreement or dispute, we will not have waived our right to collect\nany remaining amount you owe us under the terms of the Account.\n23. Default: You and the Account will be in default if:\n(a) you do not make the Minimum Payment by the Payment Due Date (disclosed on\nthe monthly Account statement as the Payment Due Date);\n(b) you violate any other provision of this Agreement;\n(c) you become insolvent, assign any property to your creditors, or go into bankruptcy\nor receivership;\n(d) you have made false statements affecting the application or maintenance of your\nAccount;\n(e) you go over your Credit Limit;\n(f) we have any reason to believe that the Account is in danger of, or is being used for\nfraud; or\n(g) anything happens that we believe in good faith materially increases the risk that\nyou will not live up to your payment and other obligations under this Agreement.\nIf you are in default, we may, to the extent permitted by applicable law, set-off and\nwithdraw any portion or all of the amount due under your Account Agreement against\nany balance, credit, deposits, accounts, or other property of yours in our possession,\nafter giving you any notice required by applicable law. Should the obligation fall\ndelinquent, and a judgment is obtained then the judgment shall accrue interest at the\nrate of 18.0% per annum until the judgment is Paid in Full.\n24. Illegal Purchases: The Card must not be used for any unlawful purpose, such as\ntending\nany account that is set up to facilitate online gambling. You agree that you will not use\nor knowingly permit another to use the Card or Account for any transaction that is\nillegal under applicable law.\n\nTHE BANK\xe2\x80\x99S LEGAL RIGHTS AND OBLIGATIONS\n29. Collecting Credit Information About You: You authorize us to make any credit,\nemployment, and investigative inquiries we feel are appropriate related to giving you\ncredit or collecting amounts owed on your Account. You agree that a consumer credit\nreport or business bureau file request, as applicable, may be requested periodically\nfrom one or more credit reporting agencies (credit bureaus) and used in connection\nwith your application and any update, renewal, or extension of credit. We may provide\ninformation about you, your Account, or your credit history to credit reporting agencies\nand others who may properly receive that information.\n30. Credit Bureau Disputes: If you believe we inaccurately reported credit history\ninformation about you or the Account to a credit bureau, call us at 1-800-445-5725 or\nwrite to us at:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\n31. Refusal to Honor Transactions: The Bank and its agents are not responsible if\nanyone refuses to honor your Card or a Convenience Check, or if authorization for a\nparticular transaction is not given. Although you may have credit available under the\nAccount, we may be unable to authorize credit for a particular transaction. The\nnumber of transactions you make as well as the dollar amount you may withdraw from\nor charge to your Account in one day may be limited, and the limit per day may vary.\nThese restrictions are for security reasons. And, as a result, we cannot explain the\ndetails of how this system works. If your Account is over limit or delinquent,\nauthorization of credit for transaction may be declined. We are not responsible for\nanything Purchased with your Card or a Convenience Check, except as expressly\n\nTHE BANK\xe2\x80\x99S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT\n25. Ownership of this Account; Governing Law: Your Card and any other Account\naccess devices that we supply to you are our property, and must be immediately\n\n3\n\nEffective 10/05 | Revision 12/15\n\n\x0cVisa\xc2\xae Platinum Credit Card Agreement\nIn your letter, give us the following information:\n(a) Account information: Your name and account number.\n(b) Dollar amount: The dollar amount of the suspected error.\n(c) Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n(a) Within 60 days after the error appeared on your statement.\n(b) At least 3 business days before an automated payment is scheduled, if you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us,\nbut if you do we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n(a) Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n(b) Within 90 days of receiving your letter, we must either correct the error or explain to\nyou why we believe the bill is correct.\nWhile we investigate whether or not there has been an error\n(a) We cannot try to collect the amount in question, or report you as delinquent on that\namount\n(b) The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n(c) While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n(d) We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake\n(a) You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n(b) If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may then report you as delinquent\nif you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you\nas delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\n\nrequired by applicable law (see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section for more details.) You\nmust return goods you Purchased with the Card or Account to the Merchant and not to\nus. Third party offers \xe2\x80\x93 From time to time, third parties may provide you with benefits\nnot related to the extension of Account credit. We are not liable for these features,\nservices and enhancements, as they are the sole responsibility of the third party\nprovider. The Bank and/or third party may add, change, or delete entirely these\nbenefits without notice or liability to you, to the extent permitted by applicable law. You\nagree to hold us harmless form any claim, actions, or damages resulting from your use\nof any of these features, services, or enhancements, when permitted by applicable\nlaw.\n32. Telephone Monitoring: From time to time, we may monitor telephone calls you\nmake to us or our agents.\n33. Severability: If a court of competent jurisdiction finds any part of this Agreement\nillegal or unenforceable, the remaining portions of the Agreement will remain in effect\nas written after any such illegal or unenforceability porting is amended in compliance\nwith applicable law or, if necessary, voided.\n34. Entire Agreement: This version of the Agreement replaces any previous\nversions of the Agreement. The Agreement, as modified by any change in terms we\nmay deliver from time to time in accordance with applicable law, constitutes the entire\nagreement between you and us, and supersedes any prior negotiation or\nunderstanding between you and us concerning the subject matter of the Agreement.\n35. Waiver: We do not give up our rights under the Agreement or applicable law\nwhen we fail to exercise or delay exercising these rights. Our failure or delay to\nexercise any right or remedy we have against you does not mean that we waive that\nright.\n36. Arbitration: In requesting an Agreement from us and accepting the Agreement,\nyou agree that if a dispute of any kind arises out of this Agreement, either you or we\nmay choose to have that dispute resolved by binding arbitration. If arbitration is\nchosen by any party, neither you nor we will have the right to litigate that claim in court\nor to have a jury trial on that claim, or to engage in pre-arbitration discovery, except as\nprovided for in the arbitration rules. In addition, you will not have the right to\nparticipate as a representative or member of any class of claimants pertaining to any\nclaim subject to arbitration. The Arbitrator\xe2\x80\x99s decision will generally be final and\nbinding. Other rights, that you would have if you went to court, may also not be\navailable in arbitration. It is important that you read the entire Arbitration Provision\ncarefully before accepting the terms of this Agreement.\nAny claim, dispute, or controversy (whether in contract, regulatory tort, or otherwise,\nwhether pre-existing, present, or future and including constitutional, statutory, common\nlaw, intentional tort, and equitable claims) arising from or relating to (a) the Card it\noffered or provided to you; (b) the actions of you, or third parties; or (c) the validity of\nthis arbitration provision individually and collective, (a \xe2\x80\x9cClaim\xe2\x80\x9d) must, after an election\nby you or us, be resolved by binding arbitration in accordance with this arbitration\nprovision and the Commercial Arbitration Rules of the American Arbitration Association\n(\xe2\x80\x9cAAA\xe2\x80\x9d) in effect when the Claim is filed (or, in the event this arbitrator or these\narbitration rules are no longer available, then a comparable substitute arbitration\nprocedure and/or arbitration organization that does business on a nationwide basis).\nThere shall be no authority for any Claim to be arbitrated on a class action basis. An\narbitration can only decide our or your Claim and may not consolidate or join the\nclaims of other persons who may have similar Claims. You may obtain rules and\nforms by calling the AAA at 1-800-778-7879. Any arbitration hearing that you attend\nwill take place in the federal judicial district where you reside. At your request, we will\nadvance the first $250.00 of the filing and hearing fees for any Claim you may file\nagainst us. The arbitrator will decide whether we or you will ultimately pay those fees.\nThe arbitrator shall apply applicable substantive law consistent with the Federal\nArbitration Act (FAA) and applicable statutes of limitation, and shall honor claims of\nprivilege recognized at law. Judgment upon the award rendered by the arbitrator may\nbe entered in any court having jurisdiction. This Arbitration Provision shall survive\nrepayment of your extension of credit and termination of your Account. The Arbitration\nProvision shall be governed by the FAA, 9 U.S.C. \xc2\xa71 through \xc2\xa76.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit 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.\nTo use this right, all of the following must be true:\n(a) The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase was based on an advertisement\nwe mailed to you, or if we own the company that sold you the goods or services.)\n(b) You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\n(c) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing [or electronically] at:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\nwww.HillsBank.com\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n\nYOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\n37. What to do if you find a mistake on your statement\nIf you think there is an error on your statement, write to us at:\neServices Department\nHills Bank and Trust Company\n131 Main Street\nP.O. Box 160\nHills, Iowa 52235\nYou may also want to contact us at www.HillsBank.com.\n\n4\n\nEffective 10/05 | Revision 12/15\n\n\x0cHills\nBank\nand Trust Company\n\nVisa\xc2\xae Platinum Credit Card Agreement\nRates and Fees Table\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage\nRate (APR) for Purchases/\nBalance Transfers\nAPR for Cash Advances\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Federal Reserve Board\n\n3.9% introductory APR for the first seven billing cycles. After that your\nAPR will be 5.50% to 12.50%, based on your credit worthiness.\n\nThis APR will vary with the market based on the Prime Rate.\n12.50% this APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing\ncycle. Hills Bank will not charge you any interest on purchases if\nyou pay your entire balance by the due date each month.\nIf you are charged interest the charge will be no less than $0.50.\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFEES\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNo annual fee.\n\xe2\x80\xa2 Either $5.00 or 3.00% of the amount of each cash advance,\nwhichever is greater, with a maximum fee of $15.00.\n\xe2\x80\xa2 1.0% when a currency conversion occurs. 0.8% when a\ncurrency conversion is not performed.\n\nPenalty Fees\n\xe2\x80\xa2 up to $27.00\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 up to $27.00\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Returned Convenience Check \xe2\x80\xa2 up to $35.00\nHow we will calculate your balance:\n\xe2\x80\xa2 We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d\nPrime Rate:\n\xe2\x80\xa2 Variable APRs are based on the 3.50% Prime Rate as of December 17, 2015.\n\xe2\x80\xa2 For the introductory rate, we add 0.40% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly\nperiodic rate currently 0.32500%).\n\xe2\x80\xa2 We add 2.0% to 9.0% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate\ncurrently 0.45833% to 1.04167%).\n\xe2\x80\xa2 We add 9.0% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.04167%).\nBilling Rights:\n\xe2\x80\xa2 Information on your rights to dispute transactions and how to exercise those rights is provided in the attached\naccount agreement.\n\neServices Department \xe2\x80\xa2 131 Main St \xe2\x80\xa2 PO Box 160 \xe2\x80\xa2 Hills, IA 52235 \xe2\x80\xa2 1-800-445-5725\n\nCedar Rapids Downtown \xe2\x80\xa2 Cedar Rapids Northeast \xe2\x80\xa2 Cedar Rapids Southwest \xe2\x80\xa2 Coralville \xe2\x80\xa2 Hills \xe2\x80\xa2 Iowa City Downtown \xe2\x80\xa2 Iowa City Eastside\nIowa City South Gilbert \xe2\x80\xa2 Kalona \xe2\x80\xa2 Lisbon \xe2\x80\xa2 Marion \xe2\x80\xa2 Mount Vernon \xe2\x80\xa2 North Liberty \xe2\x80\xa2 Washington \xe2\x80\xa2 Wellman \xe2\x80\xa2 Member FDIC \xe2\x80\xa2 HillsBank.com\nRev. 12/15\n\n\x0c'


b'CREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS\nAGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS EVANSVILLE TEACHERS FEDERAL CREDIT UNION AND LIBERTY FINANCIAL, A DIVISION OF EVANSVILLE TEACHERS FEDERAL CREDIT UNION, OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL\nINDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO\nAGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose\nspecial tax treatment under state or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations\nunder this Agreement, unless that other collateral is your principal residence or non-purchase\nmoney household goods.\nUsing Your Card. You can purchase or lease goods and services from any merchant who honors\nyour Card, and you may obtain cash advances from financial institutions and ATM machines that\naccept the Card, up to your maximum credit limit and subject to daily limits. You agree not to present\nyour Card or obtain a cash advance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate payment sufficient to bring\nthe balance below the credit limit. Certain purchases and cash advances require authorization prior to\ncompletion of the transaction. In some cases, you may be asked to provide identification. If our system\nis not working, we may not be able to authorize a transaction, even though you have sufficient credit\navailable. Also, for security reasons, we may block the use of your Card in certain countries or\ngeographic areas. We will have no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use\nwith your Card. This PIN is confidential and should not be disclosed to anyone. You may use your PIN\nand your Card to access your account, and all sums advanced will be added to your account balance.\nIn the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of\nyour Electronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and\nbalance transfers made by you or anyone whom you authorize to use the Card; (b) all Interest\nCharges and all other charges or fees; (c) collection costs and attorney\'s fees as permitted by\napplicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your\ncredit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used to make or facilitate any\nillegal transactions as determined by applicable law; and that any such use will constitute an event of\ndefault under this Agreement. We may decline any transaction that we believe to be illegal under\napplicable law, including but not limited to any transaction involving or relating to any gambling activity.\nYou agree that we will have no liability or responsibility for any such use by you or any authorized\nuser(s); or for declining any such transaction. You further agree to indemnify and hold us harmless\nfrom any suits, liability, damages or adverse action of any kind that results directly or indirectly from\nsuch illegal use. You promise to pay us any and all amounts owing on your Card for any transactions\nmade by you, even if the transaction is determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the repayment of amounts\nowed, regardless of who initiated any transaction under the account.\nOthers Using Your Account. If you allow anyone else to use your account, you will be liable for all\ncredit extended to such persons. You promise to pay for all purchases and advances made by anyone\nyou authorize to use your account, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that person\'s privilege, you must\nnotify us in writing, and if he or she has a Card, you must return that Card with your written notice for it\nto be effective.\nOwnership of Card. Your Card remains our property and may be cancelled by us at any time without\nnotice. You agree to surrender your Card and to discontinue use of the account immediately upon our\nrequest.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you open your\naccount and as may be changed from time to time in accordance with applicable law. Average Daily\nBalance including new transactions (applies to Cash Advances): Interest Charges will accrue on your\naverage daily balance outstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance transfers or other\nadvances, and subtract any payments, unpaid interest charges, and unpaid late charges. This gives\nus the daily balance. Then, we add up all the daily balances for the billing cycle and divide that by the\nnumber of days in the billing cycle. We then multiply that by the periodic rate corresponding to the\nAnnual Percentage Rate on your account. If you have different rates for purchases, cash advances or\nbalance transfers, separate average daily balances for each will be calculated and the appropriate\nperiodic rate is then applied to each. Average Daily Balance excluding new transactions (applies to\nPurchases and Balance Transfers): Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the beginning balance each\nday (excluding new purchases), and subtract any payments and credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide that by the number of\ndays in the billing cycle. We then multiply that by the periodic rate corresponding to the Annual\nPercentage Rate on your account.\n9011 LASER FPDF FI19855 Rev 7-2018\n\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases by paying the full\namount of the new balance for purchases each month by the date on which the payment is due.\nOtherwise, the new balance of your account, and subsequent advances from the date they are posted\nto the account, will be subject to an Interest Charge. You cannot avoid Interest Charges on cash\nadvances and balance transfers; even if you pay the entire cash advance balance or balance transfer\nbalance by the payment due date, you will incur the Interest Charges accrued from the date the cash\nadvance or balance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also pay any and all fees that\nyou incur as disclosed to you on your Truth-in-Lending Statement or similar disclosures (as may be\namended from time to time), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify us\nimmediately if your Card is ever lost or stolen or if an unauthorized use may have occurred.\n"Unauthorized use" means the use of the Card by someone other than you who does not have actual,\nimplied or apparent authority for such use, and from which you receive no benefit. The telephone\nnumber to call is (800) 800-9271. You agree to follow up your call with notice in writing to us at: PO\nBox 5129, Evansville, IN 47716. You also agree to assist us in determining the facts, circumstances\nand other pertinent information relating to any loss, theft or possible unauthorized use of your Card\nand comply with such procedures as we may require in connection with our investigation. You will\nhave no liability for Mastercard\xc2\xae transactions not authorized by you, provided that you have exercised\nreasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such\nloss or theft, you promptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date\ndisclosed on your billing statement. If your payment is received by us on a business day at the\naddress and by the time designated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address designated on the periodic\nstatement, credit for such payment may be delayed up to five (5) days. Payments will be applied in\nany order we determine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in default if: (1) you fail to\nmake any payment on time; (2) if you fail to keep any promises you have made under this Agreement\nor under other Agreements you have with us; (3) if you die; (4) if you file a petition in bankruptcy or\nhave a bankruptcy petition filed against you, or if you become involved in any insolvency, receivership\nor custodial proceeding; (5) if anyone attempts to take any of your funds held by us via legal process\nor if you have a judgment or tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in good faith, believe that\nyour ability to repay what you owe is or soon will be impaired, or that you are unwilling to make your\npayments.\nIf you are in default, we have the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying interest\ncharges and fees until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\'s fees, and any costs incurred in the recovery of the\nCard, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will have\nno credit available during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit accounts. Subject to\napplicable law, we may suspend some or all electronic services and access to your checking or other\naccount(s) if you become delinquent on any of your credit card or deposit obligations to us or you\ncause a loss to us. We shall not be liable to you in any regard in connection with such suspension of\nservices.\nAdditional Benefits/Card Enhancements. We may from time to time offer additional services to\nyour Account at no additional cost to you. You understand that we are not obligated to offer such\nservices and may withdraw or change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which may be used for any\npurpose other than making a payment for credit to your account. By signing such check, you authorize\nus to pay the item for the amount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance in your account to\nexceed your credit limit.\nCredit Information. We may from time to time request personal information from you or obtain credit\nreports from the credit reporting agencies for the purpose of updating your credit status. Your failure to\nprovide such information when requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any means. You authorize us to\ninvestigate your credit standing when opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases and cash advances made in foreign\ncurrencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate selected by\nthe card company from a range of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date in each instance. All\ntransactions processed outside of the United States (which may include internet transactions) will be\ncharged a foreign transaction fee in the amount disclosed on your Truth-in-Lending Statement (as\namended from time to time).\n\npage 1 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS\nAGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS EVANSVILLE TEACHERS FEDERAL CREDIT UNION AND LIBERTY FINANCIAL, A DIVISION OF EVANSVILLE TEACHERS FEDERAL CREDIT UNION, OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this Agreement at any time,\nsubject to applicable law. You may terminate this Agreement by written notice. Termination by either\nparty shall not affect your obligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the terms of this Agreement,\nincluding the method of calculating the periodic rate, at any time, by written notice, subject to\napplicable law. If our credit review indicates that your credit status has deteriorated, we may decrease\nyour credit limit. Use of the Card constitutes agreement and acceptance of any change in terms,\nunless applicable law requires otherwise. Our failure to exercise any of our rights or to take any action\nshall not constitute a waiver of those rights, or an amendment or change in any of the terms of this\nAgreement.\nLate or Partial Payments. Any payment that delays the reduction of your balance will increase your\ntotal interest costs. Partial payments or prepayments will not delay your next scheduled payment - you\nwill still need to make the minimum scheduled payment by the next scheduled due date to keep your\naccount current. We may accept late payments, partial payments, checks or money orders marked\n"payment in full" and such action shall not constitute final settlement of your account or a waiver or\nforgiveness of any amounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement if we delay enforcing\nthem. If any provision of this or any related agreement is determined to be unenforceable or invalid, all\nother provisions remain in full force and effect.\nReturns and Adjustments. Merchants and others who honor the Card may give credit for returns or\nadjustments, and they will do so by submitting a credit slip which will be posted to your account. If\nyour credits and payments exceed what you owe us, the amount will be applied against future\npurchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon\nyour written or verbal request.\n\nMerchant Disputes. We are not responsible for the refusal of any merchant or financial institution to\nhonor your Card. Also, we are not responsible for goods or services that you purchase with the Card\nunless: (a) your purchase was made in response to an advertisement we sent or participated in\nsending you; or (b) your purchase cost more than $50 and was made from a merchant in your state or\nwithin 100 miles of your home; and only if you have made a good faith attempt, but have been unable\nto obtain satisfaction from the merchant. You must resolve all other disputes directly with the\nmerchant. We do not warrant any merchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the most recent postal\naddress or e-mail address (if you have elected to receive such documents via electronic means) you\nhave given us. Notice sent to any one of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change your address for any\nreason. In order to prevent identity theft, your identity may need to be verified before we act upon the\nnotification.\nCopy Received. You acknowledge that you have received a copy of this Agreement.\nGoverning Law. This Agreement shall be construed under federal law and state law in the state in\nwhich we are primarily located, and the venue shall be located in the county and state in which we are\nprimarily located. Operating regulations of Mastercard\xc2\xae may also apply. This Agreement is the\ncontract that applies to all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression of the agreement\nbetween you and the Credit Union. This written agreement may not be contradicted by evidence of\nany oral agreement.\n\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending\nAct, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement and apply during any period(s) in which you are active military or a\ndependent under those definitions. They do not apply when you are not an active duty member of the military or a dependent:\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction\nor account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee or\nparticipation fee unless they are bona fide and reasonable under the MLA. To receive this notice verbally, please call 1-800-800-9271 during our normal business hours.\n2. Advances will not be secured by a consensual lien on shares or deposits in any of your share or deposit accounts unless you specifically agree to establish a secured share or deposit\naccount in connection with this credit card account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the credit card is established will secure advances. Any\ncross-collateralization provision contained in your credit or membership documents will not apply to the Secured Account or your other share or deposit accounts for this account.\nHowever, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.\nAny contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.\n3. Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card account does not apply.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es) listed on your\nstatement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We\nwill also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\npage 2 of 2\n\n\x0cIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the cards are\naccurate as of _______________ . You can contact us toll free at 800-800-9271 or the address above to inquire if any changes\noccurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nPLATINUM REWARDS\nAnnual Percentage Rate\n(APR) for Purchases\n\nPLATINUM PRIME PLUS\n\n1.99%\n\n1.99%\n\nIntroductory APR for six months as of account\nopening. After that, your Standard APR will be\n\nIntroductory APR for six months as of account\nopening. After that, your Standard APR will be\n\n______% - ______%\n\n______% - ______%\n\ndepending on your credit history. This APR will depending on your credit history. This APR will\nvary with the market based on the Prime Rate. vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\n0% Introductory APR for six months as of\naccount opening. After that, your Standard\nAPR will be ______% - ______% depending\non your credit history. This APR will vary with\nthe market based on the Prime Rate.\n\n0% Introductory APR for six months as of\naccount opening. After that, your Standard\nAPR will be ______% - ______% depending\non your credit history. This APR will vary with\nthe market based on the Prime Rate.\n\nAPR for Cash Advances\n\n______% - ______% depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\n______% - ______% depending on your\ncredit history. This APR will vary with the\nmarket based on the Prime Rate.\n\nPenalty APR and When it\nApplies\n\n18% This APR may be applied to your account if you make a payment that is late 60 days or\nmore.\nHow Long Will the Penalty APR Apply? If we increase your APRs due to a late payment,\nwe may keep them at this higher level on existing and new balances until you make six\nconsecutive on-time payments.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you\ninterest on purchases if you pay your entire new purchase balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the date\nthe cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain\nyour Account\n- Annual Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\n3% of the amount of each cash advance or $5.00, whichever is greater (maximum: $20.00)\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion\nUp to $27.00 if your payment is late 1 day or more.\nNone\nUp to $27.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)" for cash\nadvances and use a method called "average daily balance (excluding new purchases)" for purchases and balance transfers.\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late\npayment.\n9009 LASER FPDF FI19853 Rev 10-2018\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'