b'Consumer Cardmember Agreement\nThis Consumer Cardmember Agreement applies to your revolving\ncredit card account with Pinnacle Bank, Nashville, Tennessee (the\n\xe2\x80\x9cAccount\xe2\x80\x9d). The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Pinnacle Bank, its\nagents, authorized representatives, successors, and assigns. The\nwords \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person (as an individual) and all\npersons (as a group) who apply for the Account, who are responsible\nfor paying the Account, or on whose behalf we issue a credit card or\nany other device for Account access (each, a \xe2\x80\x9cCard\xe2\x80\x9d). An \xe2\x80\x9cAuthorized\nUser\xe2\x80\x9d is a person any of you authorize or allow to use the Account or a\nCard, but who did not apply for the Account and who is not directly\nresponsible for paying the Account. Other capitalized terms that are\nnot defined here are generally defined with their first use in the\nAgreement or in the Glossary in Section 28.\n1.\n\nYour Account Agreement and When It Becomes Effective\n\nOur complete Account agreement with you (the \xe2\x80\x9cAgreement\xe2\x80\x9d) is\ncontained in and governed by:\n(A) this document, called the Consumer Cardmember Agreement;\n(B) all Account disclosures and terms provided to you before we\nopened the Account for your use, including the terms we disclosed\nwhen you applied for or accepted the Account, the disclosures we\nmade in our Account Opening Disclosures, and any terms we provided\nin written materials accompanying your Card;\n(C) all other documents, disclosures and terms that relate specifically\nto your Account and its related features and services, including:\n\xe2\x80\xa2 all rewards disclosures, if your Account has rewards;\n\xe2\x80\xa2 the Card benefits brochure that describes benefits provided by\nany payment card network displayed on your Card (each, a\n\xe2\x80\x9cPayment Card Network\xe2\x80\x9d);\n\xe2\x80\xa2 the terms shown on periodic billing statements for your Account\n(each, a \xe2\x80\x9cStatement\xe2\x80\x9d); and\n(D) any future changes we make to any of these documents, as\npermitted or required by law.\nPlease read all of these materials carefully and keep them for future\nreference. You understand and agree that this Agreement becomes\neffective the first time you or any Authorized User activates a Card or\nuses the Account in any way. When the Agreement says that we\n\xe2\x80\x9cmay\xe2\x80\x9d take an action, this means we are authorized to take that\naction in our sole discretion, subject only to the limitations or\nrequirements that are established by law or by the express terms of\nthis Agreement. We may make new offers to you in the future or\nforward offers from others that may interest you. If these offers have\nnew or different terms, those terms will be provided with the offer. If\nyou accept the offer, the previously disclosed terms in the Agreement\nwill still apply, except as modified by the offer.\n\n2.\n\nYour Promises To Us\n\nYou promise to do everything the Agreement requires of you, so long\nas your Account has an unpaid balance, remains open to future\ntransactions, or both. Each of you and all of you promise, individually\nand together, to pay us all amounts due on your Account, now and in\nthe future. This promise applies any time the Account is used by any\nof you or by any Authorized User. This promise includes amounts\nwhere you or any Authorized User use the Account or a Card for a\ntransaction with a merchant or financial institution, but are not\nrequired to sign the purchase slip or other sales transaction\ndocuments. If you or an Authorized User use your Card number\nwithout presenting the Card itself (such as for mail, telephone or\nInternet purchases), these transactions will be treated as if you or the\nAuthorized User used the Card in person. The amounts you promise to\npay in connection with your Account includes all Account transactions\nin each Balance Category that are made by any of you and any\nAuthorized User, plus all Fees and all Interest Charges, as described in\nthe Agreement.\n3.\n\nRequired Account Information\n\nWe must have complete, current and valid information about you to\nprovide your Account (including names, addresses; telephone\nnumbers; dates of birth; employment and income information, Social\nSecurity numbers, or other government identification numbers). We\nmay also ask you for similar information about any Authorized Users\non your account. You must tell us when this information changes. To\ndo this, contact us in writing at the address shown on your most\nrecent Statement, use the appropriate area of any Account web site\nwe maintain for this purpose, or call us at the customer service\ntelephone number shown on your most recent Statement or on the\nback of your Card. We may require that you provide additional\ndocuments that are acceptable to us so that we can verify this\ninformation and any changes. We may restrict or close your Account,\nif we are unable to verify your information or you do not provide the\nadditional information we request.\n4.\n\nUsing Your Account and Card\n\nYou and your Authorized Users are allowed to use your Card and the\nAccount to make Purchases and to obtain Cash Advances, Balance\nTransfers, and Promotional Offers, as permitted by this Agreement\nand applicable law. You agree to sign the Card immediately after you\nreceive it. The Card is valid through the expiration date shown on the\nfront. The Card is our property and you agree to return it to us or\ndestroy it, if we ask. You agree to take reasonable steps to prevent\nunauthorized use of your Card and Account. If you allow someone else\nto use your Card, you are responsible for all Account transactions\nmade by that person and all of the associated Fees and Interest\nCharges, except to the extent prohibited by law.\n\nWe may provide you with a personal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d) for\nuse with certain types of Card transactions. The PIN may be required\nto obtain Cash Advances from certain automated teller machines, or\nto make Purchases from certain types of merchants at point of sale\ndevices, if the Payment Card Network shown on your Card is the same\nas the one shown on these machines and devices. You should keep\nyour PIN secure and not write it down, give it to anyone else, or keep\nit with your Card. You must contact us immediately if you lose your\nCard and believe someone has gained unauthorized access to your\nPIN.\nWe reserve the right to not allow specific Account transactions, to\nsuspend Account use, or to close the Account, at any time, for any\nreason, and without advance notice, unless we are expressly required\nby law to notify you and wait any period of time before taking these\nactions. We may limit the combined dollar amount or the total\nnumber of certain Account transactions, such as Cash Advances, that\nare allowed during a single day or other time periods. We may restrict\nyour Account transactions and the availability of your Account credit,\nto protect you and us against potential fraud, unauthorized\ntransactions, Account misconduct or misuse, or for our risk\nmanagement and business reasons. From time to time, Account\nservices may be unavailable to you and your Authorized Users, due to\ncircumstances beyond our control, such as system failures, fires,\nfloods, natural disasters or other unpredictable events. If any of these\nevents happens, we will not be responsible or liable to you.\nYou agree not to use, try to use, or permit use of a Card or the\nAccount for any Internet gambling transactions or any other\ntransactions that are illegal or not permitted by us. If this happens,\nyou must still pay us for these transactions and they remain subject to\nall other terms of our Agreement. You must reimburse us and the\nPayment Card Network for all damages and expenses associated with\nthese transactions. You may not use the Account to conduct\ntransactions in any country or territory, or with any individual or\nentity, that is the subject of economic sanctions that are enforced and\nadministered by the Office of Foreign Assets Control (\xe2\x80\x9cOFAC\xe2\x80\x9d) in the\nU.S. Department of the Treasury. We may block use of the Card and\nAccount in these countries and territories or with these individuals or\nentities.\n5.\n\nAuthorized Users\n\nWe may limit an Authorized User\xe2\x80\x99s ability to initiate certain Account\ntransactions. If we do, we will tell you about these limitations before\nwe add any new Authorized User on your Account. You are\nresponsible for any use of a Card or the Account by each Authorized\nUser, as well as anyone else you or they allow to use your Account or\na Card. This will be true, even if you did not want or agree to the use.\nIf you want to remove an Authorized User from the Account, you must\ncontact us at the customer service telephone number or address\nshown on your most recent Statement and request their removal. You\nagree that we have a reasonable amount of time after your request to\nresearch your Account information and remove an Authorized User.\nMay 2013\n\n1|P a g e\n\n\x0cYou must immediately destroy all Cards in the Authorized User\xe2\x80\x99s\npossession and cancel all of their billing arrangements to the Account.\nWe will not do this for you. During this time, you are still responsible\nfor paying all amounts they may charge to the Account, even if these\namounts do not appear on the Account until later. An Authorized User\nmay remove themselves from the Account at any time, upon request.\nWe may close your existing Account, or issue a new Card with a new\nAccount number, after an Authorized User is removed.\n6.\n\nStatements and Billing Cycles\n\nThe documents or information your Statement includes after each\nBilling Cycle will disclose important information about your Account,\nincluding your Account transactions in each Balance Category,\nAccount payments, Fees, Interest Charges, unpaid Account balances,\nand payment requirements. The amount of time between your\nregular Statements is generally equal (approximately 30 days), but\nmay vary slightly in length from Billing Cycle to Billing Cycle. Your first\nBilling Cycle may be more or less than 30 days. You must pay any\nMinimum Interest Charge and any Fees due after your first Billing\nCycle, even if it is for a period less than 30 days. Your Statements\ndisclose the specific length of each Billing Cycle. Your Account will\ncontinue to have Billing Cycles, even if a Statement is not required\nafter any Billing Cycle. We will send a single Statement to one of you\nfor all Cards on your Account, except when the law does not require\nor permit us to send a Statement to any of you. You agree that we\nmay send Statements to the first one of you named in our Account\nrecords, unless we agree or decide to change this after the Account is\nopened.\n7.\n\nDisputed Transactions; Lost or Stolen Cards; Unauthorized Use\n\nYou must promptly inspect each Statement you receive and tell us\nabout any errors or questions you have, as described in the \xe2\x80\x9cBilling\nRights\xe2\x80\x9d section of your Statement and this Agreement. If you do not\nnotify us as provided in these disclosures, you agree that we may\nassume that all information in the Statement is correct. You must take\nreasonable steps to prevent the unauthorized use of your Card and\nAccount. If you notice the loss or theft of your Card, or a possible\nunauthorized use of your Card, you should write to us immediately at\nthe address provided on your Statement or call us at the telephone\nnumber provided on your Statement. You will not be liable for any\nunauthorized use that occurs after you notify us. You may, however,\nbe liable for unauthorized use that occurs before your notice to us. In\nany case, your liability will not exceed $50 (or any lesser amount\nrequired by law or as provided under the express terms of a benefit\nprovided by a Payment Card Network). If we reimburse your Account\nfor unauthorized charges made using your Card, you agree to help us\ninvestigate, pursue and obtain reimbursement from the wrongdoer.\nYour help includes giving us documents that we reasonably request, in\na form that is acceptable to us.\n8.\n\nCredit Limits\n\nWe will disclose information about the credit limits that apply to your\nAccount when we open it. Your Statements will also disclose\ninformation about your Account credit limit. We may assign different\ncredit limits for the different Balance Categories of your Account. For\nexample, the credit limit we assign for Cash Advances, Balance\nTransfers, or Promotional Offers may be lower than your credit limit\nfor Purchases or the overall credit limit of your Account. We may\nraise, lower, restrict, or cancel the credit limit that applies to any\nBalance Category or the Account itself at any time and for any reason,\nsubject to any notices that are required by law. This will not affect\nyour obligation to pay us. You must keep track of your Account\nbalances and available credit. You agree not to allow your Account to\ngo over any credit limit. We may honor transactions above your credit\nlimits, but, if we do, this will not increase your credit limit and you\nmust pay us the full amount of these transactions.\n9.\n\nBalance Transfers\n\nWe may allow you to transfer balances to the Account that you owe\nto other creditors or financial institutions, subject to any minimum\nBalance Transfer amount we disclose and any credit limit amount we\nmake available for Balance Transfers. You may not ask us to process a\nBalance Transfer for any amount you already owe to us, unless we\ngive you our express permission to do so. All Balance Transfers are\nsubject to our approval. We will not process a Balance Transfer\nrequest we consider incomplete or illegible. You may use only the\ndevices and methods we have approved for Balance Transfers. If we\ndo not approve the full amount of any Balance Transfer you request,\nwe may process part of the amount you request as a Balance Transfer\nor decline the entire request. We are not liable to you if we do not\nprocess part or all of any Balance Transfer you request. We may make\nBalance Transfers in any order we choose.\nYou agree not to request a Balance Transfer for any amount that is or\nmay be the subject of any dispute between you and any other creditor\nor financial institution. If you do, you understand this may prevent you\nfrom exercising your dispute rights against other creditors and\nfinancial institutions. We are not liable to you for disputes you may\nhave with other creditors and financial institutions. If you request a\nBalance Transfer, you agree to monitor your other accounts and\ncontinue making the minimum payments due on these accounts, until\nyour other creditor or financial institution provides an account\nstatement that shows the balance of your other account has been\npaid in full. This may not happen until after the Balance Transfer\nappears on a Statement from us. You are liable for any late payments,\nfinance charges or disputed amounts on your other accounts. If you\nwant your other accounts closed following a balance transfer, you\nmust instruct your other creditor or financial institution to do so. We\nwill not do this for you.\n10. Interest Charges\nWe will charge Interest Charges to your Account as described in the\nAgreement, including your Account Opening Disclosures and\nStatements.\n\nThe Account Opening Disclosures provide important information\nabout the Interest Charges that apply to your Account. Your Account\nOpening Disclosures describe your Minimum Interest Charges, the\nAnnual Percentage Rates (\xe2\x80\x9cAPR\xe2\x80\x9d) and corresponding Daily Periodic\nRates for each Balance Category, and which APRs may vary from\nBilling Cycle to Billing Cycle based on changes to a published index\nrate. Your Account Opening Disclosures also identify the index rate,\nand the margins we add to that index rate, when we determine any\nvariable APRs for your Account.\nWe calculate the Interest Charges on your Account by applying a Daily\nPeriodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of each Balance Category\nin your Account. We multiply the results for each Balance Category by\nthe number of days in the Billing Cycle. This gives us the total Interest\nCharges for that Billing Cycle.\nThe \xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d is a daily interest rate. The Daily Periodic\nRate for a given Balance Category is equal to the Annual Percentage\nRate for that Balance Category divided by 365.\nWe calculate the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for each Balance Category.\nWe do this by starting with the beginning amount of that Balance\nCategory for each day, including any billed and unpaid Account\ntransactions, Interest Charges and Fees for that Balance Category. We\nadd any new Account transactions, Fees, and debits for that day, and\nsubtract any payments and credits. This gives us the \xe2\x80\x9cDaily Balance\xe2\x80\x9d\nfor each Balance Category. We calculate the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nfor each Balance Category by adding all the Daily Balances for each\nday in the Billing Cycle, and then dividing by the total number of days\nin the Billing Cycle. This gives us the Average Daily Balance for each\nBalance Category (including current transactions).\nIf you must pay a Fee for a specific type of Account transaction, we\nwill add these Fees on the same day and to the same Daily Balance as\nthe Account transaction. These types of Fees include Cash Advance\nFees, Balance Transfer Fees, and Foreign Transaction Fees for\nPurchases and Cash Advances. If you must pay a Fee that is not for a\nspecific type of Account transaction, we add these Fees to the Daily\nBalance of Purchases that are subject to the standard APR as of the\nday you incur the Fee or the last day of the Billing Cycle during which\nyou incurred the Fee. These types of Fees include Late Payment Fees,\nReturned Payment Fees, Copy Fees, Card Replacement Fees, and Rush\nCard Fees.\nIf you pay the New Balance in full after each Billing Cycle by the due\ndate shown on the Statement for that Billing Cycle, we will not make\nyou pay Interest Charges on the Purchases made during the Billing\nCycle shown on that Statement. This is called a grace period. If you do\nnot take advantage of the grace period, we will charge Interest\nCharges starting on the day you made the Purchase. If you do not pay\nthe full New Balance after any Billing Cycle by the due date shown on\nthe Statement for that Billing Cycle, you will lose your grace period\nuntil you pay your full New Balance on time for two months in a row.\nYou must pay Interest Charges on Cash Advances and on Balance\nTransfers from the date you obtain them, because there is no grace\n\nMay 2013\n\n2|P a g e\n\n\x0cperiod for Cash Advances or Balance Transfers. You must pay Interest\nCharges on Promotional Offers from the date we disclose when we\nmake the Promotional Offer. We may describe these Promotional\nOffers in your Account Opening Disclosures and other written\nmaterials we provide when opening your Account. After opening your\nAccount, we will describe these Promotional Offers in your Statement\nor other promotional materials we may provide from time to time.\nYou must pay Interest Charges on each unpaid amount until it is paid\nin full. Interest Charges are added to the proper Balance Category of\nyour Account.\n11. Fees\nYou promise to pay the following Fees that we charge to your\nAccount, in the amounts shown on your Account Opening Disclosures\nor this section of the Agreement.\nCash Advance Fee: Each time you obtain a Cash Advance, we will\ncharge the Cash Advance Fee shown in your Account Opening\nDisclosures.\nBalance Transfer Fee: Each time you obtain a Balance Transfer, we will\ncharge the Balance Transfer Fee shown in your Account Opening\nDisclosures.\nForeign Transaction Fee: Each time you make a Purchase or obtain a\nCash Advance in a currency other than U.S. dollars or in a country\noutside the United States, we will charge the Foreign Transaction Fee\nshown in your Account Opening Disclosures.\nLate Payment Fee: If you do not pay at least the Minimum Payment by\nits due date, we will charge a Late Payment Fee of $25 to your\nAccount. If you are late more than once in a six month period, the\namount of your Late Payment Fee will increase to $35. If you make\non\xe2\x80\x90time payments for six months, the Late Payment Fee will return to\n$25.\nReturned Payment Fee: If any form of Account payment is not paid for\nany reason by your depository institution or financial services\nprovider, we will charge a Returned Payment Fee of $25 to your\nAccount. We may charge this Returned Payment Fee if an Account\npayment is returned unpaid by your depository institution or financial\nservices provider, even if that institution or provider later allows this\npayment. If an Account payment is returned unpaid more than once in\na six month period, the amount of your Returned Payment Fee will\nincrease to $35. If none of your Account payments are returned\nunpaid for six months, the Returned Payment Fee will return to $25.\nRush Card Fee: If you ask us to expedite our delivery of a Card when\nwe open your Account or at any time after that, we will charge a Rush\nCard Fee of $30 to your Account.\nCard Replacement Fee: If you ask us to issue a Card as a replacement\nfor a lost or stolen Card, we may charge a Card Replacement Fee of\n$30 to your Account.\nCopy Fee: We may charge you a Copy Fee of $6.00 to your Account for\neach copy of a transaction document or a Statement you request,\nunless they are required to resolve a billing dispute.\n\n12. Transactions Made in Foreign Currencies\nIf an Account transaction is in a foreign currency, the Payment Card\nNetwork (such as Visa U.S.A. Inc or MasterCard International) will\nconvert the transaction into U.S. dollars. The Payment Card Network\nwill use its own currency conversion procedures that are in effect\nwhen the Payment Card Network processes the transaction. The\nexchange rate used by the Payment Card Network may be a\ngovernment\xe2\x80\x90mandated exchange rate or may be based on a range of\nrates available in the wholesale currency markets as of the processing\ndate (which may be different from the rate the Payment Card\nNetwork receives). The conversion rate that is in effect on the\nprocessing date may be different than the rate that is in effect on the\ntransaction or posting date.\n13. Minimum Payments\nAs of the last day of each Billing Cycle, we will determine the\nMinimum Payment due for your Account and disclose it on your\nStatement for that Billing Cycle. The Minimum Payment you must pay\nby the due date after each Billing Cycle will include all past due and\noverlimit amounts for your Account, plus the greater of: (a) $25.00 or\nany lesser amount that would pay the New Balance in full; (b) 2.0% of\nthe New Balance; or (c) 1.0% of the New Balance, plus all Interest\nCharges and Fees due for the Billing Cycle shown on your Statement.\nWe may round the Minimum Payment up to the nearest whole dollar\namount. We may also require you to make immediate payment of\nyour entire New Balance if an event of default occurs as described in\nthe Agreement. To avoid a Late Payment Fee, you must pay us at least\nthis Minimum Payment by the due date shown on the Statement. In\naddition to the Minimum Payment, you may pay all or part of the total\nbalance of your Account at any time. You must still pay at least the\nMinimum Payment after each Billing Cycle, even if you paid more than\nthe Minimum Payment due for any previous Billing Cycle.\n14. Making Payments\nYour payments to us must be in U.S. dollars from a U.S. deposit\naccount and must otherwise be acceptable to us. We do not accept\ncash payments through the mail. You may not make Account\npayments with funds borrowed from your Account or any other credit\naccount with us. You agree to follow the payment requirements we\ndisclose on Statements from time to time. Any in\xe2\x80\x90person payment\nthat we accept from you at one of our branch offices before its closing\ntime will be credited to your Account on the day we receive it. Any\npayment method that we promote, such as payments you authorize\nby electronic fund transfer, will be credited to your Account on the\nday we receive it. Mailed payments must be mailed to us at the\naddress for payments shown on your Statement, unless we expressly\ninstruct you to make payments at a different address. A mailed\npayment will be credited to your Account on the day we receive it, if\nyou send the payment coupon from your Statement in the same\nenvelope with your payment or you include your Account number on\nyour payment, and your payment arrives at the address we specify no\n\nlater than the due date indicated on your Statement. If your due date\nfalls on a day when we do not receive payments, any payment we\nreceive the next day that conforms to these payment requirements\nwill not be treated as late. Please allow at least five (5) days for postal\ndelivery. Unless we or our agents specifically instruct you to make\npayment in a different manner, payments received at any other\nlocation or in any other form may not be credited for up to five (5)\ndays. This may cause you to be charged Late Payment Fees and\nadditional Interest Charges. We may refuse to accept any payment\nmade by someone else for your Account. If we accept a payment\nmade by someone else for your Account, you will be responsible for\nthe payment made, even if that payment is rejected or not paid.\n15. How We Apply Your Payments\nWe apply your payment of a Minimum Payment to the Balance\nCategories with lower Annual Percentage Rates before the Balance\nCategories with higher Annual Percentage Rates. We apply any\nportion of a payment that exceeds your Minimum Payment to the\nBalance Categories with higher Annual Percentage Rates before the\nBalance Categories with lower Annual Percentage Rates, except as\notherwise required by law.\n16. Payment Processing; Items with Restrictive Conditions or\nInstructions\nWe may accept and process payments without losing any of our\nrights. Even if we apply a payment to your Account, we may delay the\navailability of credit in your Account until we confirm your payment\nhas cleared. We may resubmit and electronically collect returned\npayments. We may also adjust your Account as necessary to correct\nerrors, to process returned and reversed payments, and to handle\nsimilar issues.\nAn \xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other negotiable\ninstrument you use to pay your Account. This includes any image of\nthese instruments. When you provide an Item as payment, you\nauthorize us either to use information from your Item to make a one\ntime electronic fund transfer from your deposit account or to process\nthe payment as a check transaction. When we use information from\nyour Item to make an electronic funds transfer, funds may be\nwithdrawn from your deposit account as soon as the same day your\npayment is received and you will not receive your Item back from your\nfinancial institution. You may contact us and ask that we not process\nyour future Items in this way. If we process the payment as a check\ntransaction, you understand and agree that we may convert your Item\ninto an electronic image that can be collected from your depository\ninstitution as a substitute check. We will not be responsible if an Item\nyou provide has physical features that, when imaged, result in it not\nbeing processed as you intended.\nAny Item that has restrictive words, conditions, limitations or special\ninstructions (including Items marked with the words \xe2\x80\x9cPaid in Full\xe2\x80\x9d or\nsimilar language), and all accompanying communications, must be\nMay 2013\n\n3|P a g e\n\n\x0cmailed to us at Pinnacle Bank, 214 West College Street,\nMurfreesboro TN 37130, attention: Cardmember Services. If you\nmake your payment or send any accompanying communications to\nany other address, we may accept and process the payment, without\nlosing any of our rights.\n\n(F) exercise any rights and remedies that the law allows to creditors\nfollowing a default, which includes to filing of a lawsuit against you.\nYou agree to pay us all of our collection expenses to the extent\npermitted by applicable law, including but not limited to reasonable\nattorney\xe2\x80\x99s fees that we incur after referring your Account to an\nattorney who is not our salaried employee.\n\n17. Credit Balances\n19. Communications\nWe may reject and return to you any payment that creates a credit\nbalance on your Account. Any credit balance we allow will not be\navailable until we confirm that your payment has cleared. If we allow\na credit balance after receiving a payment that exceeds the New\nBalance, this will not increase the credit limit of your Account and we\nwill have no duty to authorize Account transactions that would exceed\nyour Account\xe2\x80\x99s credit limit. We may, at our option, reduce the amount\nof any credit balance by any new amounts billed to your Account. You\nmay contact us as provided on your Statement and request a refund\nof any available credit balance. If you contact us in writing, we will\nrefund your credit balance within seven (7) business days from our\nreceipt of your written request. A business day means any day in\nwhich our offices are open for the processing of Account payments\nand credits.\n18. Account Default and Remedies\nWe may consider you in default of your Agreement with us if:\n(1) you do not make at least the Minimum Payment due after a Billing\nCycle by its due date;\n(2) any payment you make or attempt is rejected, not paid or cannot\nbe processed;\n(3) you exceed an assigned credit limit;\n(4) a bankruptcy or other insolvency proceeding is filed by or against\nyou;\n(5) you die or are legally declared incompetent or incapacitated;\n(6) we determine that you made a false, incomplete or misleading\nstatement on any of your Account documentation, or you otherwise\ntried to defraud us;\n(7) you do not comply with any term of this Agreement or any other\nagreement with us; or\n(8) you permanently reside outside the United States.\nPaying the Interest Charges and Fees charged in connection with a\ndefault will not, by itself, cure the default. Unless the law requires us\nto notify you and wait before we may take action, you understand and\nagree that we may, after any event of default and without advance\nnotice to you, take any one or more of the following actions:\n(A) close or suspend your Account;\n(B) lower your credit limits;\n(C) increase your Minimum Payment;\n(D) demand that you immediately pay the entire balance owing on\nyour Account;\n(E) continue to charge you Interest Charges and Fees as long as your\nbalances remain outstanding; and/or\n\nYou expressly authorize us and our agents and service providers to\nuse any available written, electronic, or verbal means of contacting\nyou for any purpose related to the servicing and collection of your\nAccount and for any other informational purpose related to your\nAccount (each, a \xe2\x80\x9cCommunication\xe2\x80\x9d). You agree this authorization for\nCommunications includes, but is not limited to, our use of manual\ncalling methods, prerecorded or artificial voice messages, text\nmessages, e\xe2\x80\x90mail messages, and/or automatic telephone dialing\nsystems. You agree that we and our agents and service providers may\ncontact you for these Communications using any e\xe2\x80\x90mail address or\ntelephone number you provide, including a number for a cellular\ntelephone or other wireless device, regardless of any charges you may\nincur as a result. We will not charge you for making a Communication,\nbut your service provider may. You agree that we and our agents and\nservice providers may monitor and record telephone calls about your\ncredit card account to assure service quality or for other legitimate\nbusiness reasons. You understand and agree that we and our agents\nand service providers may always communicate with you in any\nmanner permitted by law that does not require your prior consent.\n20. Credit Reports\nWe may provide information about you and the Account to consumer\ncredit reporting agencies. We may also provide information about you\nand the Account to others as described in our privacy notices.\nInformation we provide about the Account may appear on credit\nreports about you and Authorized Users. This could include negative\ninformation, if you do not comply with the terms of this Agreement.\nWe may obtain and use credit and income information about you\nfrom consumer credit reporting agencies and others, as the law\nallows.\nIf you believe we have reported inaccurate information about you to\na credit reporting agency, notify us in writing at: Pinnacle Bank,\nP.O. Box 332509, Murfreesboro, TN 37133, attention: Cardmember\nServices In doing so, identify yourself, your Account, the information\nyou believe is inaccurate, and tell us why you believe the information\nis incorrect. If you have supporting documents or information, such as\na copy of a credit report that includes information you believe is\ninaccurate, please send us the supporting documents and\ninformation, too.\n21. Closing or Suspending Your Account\n\nYou may ask us to close your Account by calling or writing us at the\naddress for customer service as described on your Statement. If you\ndo, we may provide you with additional details about this process and\nrequest certain information from you, including payment information.\nIf a Card is used or charges post to your Account after you ask us to\nclose it, we may keep your Account open or reopen it. We may close\nor suspend your Account and your right to obtain credit from us. We\nmay do this at any time and for any reason, as permitted by law, even\nif you are not in default. A suspension of your Account might be\npermanent or temporary. If your Account is closed or suspended for\nany reason, you and all Authorized users must stop using your Card\nimmediately. You must also cancel all recurring charges or similar\nbilling arrangements connected with the Account. We will not do this\nfor you. If we close or permanently suspend your Account, you must\nalso destroy all Cards. You must still pay us all amounts you owe on\nthe Account, even if these amounts are charged after your Account is\nclosed or suspended.\n22. Changes to Your Agreement\nYou may not change the Agreement, unless one of our authorized\nofficers expressly agrees to do so in a signed writing. We may, at any\ntime, add, delete or change any term of this Agreement, unless the\nlaw prohibits us from doing so. We will give you any notice and wait\nany time period that the law requires before changing the Agreement\nand Account terms. If we notify you of changes, we will send you a\nseparate notice or inform you on your Statement. We may send this\nnotice to you electronically, as permitted by law. Our notice will tell\nyou when and how the changes will take effect and describe any\nrights you have in connection with the changes. You understand that\nany variable APRs associated with your Account can increase or\ndecrease in each Billing Cycle, as the published index for these rates\ngoes up or down. If we increase your Interest Charges for any other\nreason, we will notify you in advance and inform you of your options,\nincluding any right to reject these changes. If we increase your Fees or\nchange other significant Account terms, we will also notify you in\nwriting and inform you of your options, including any right to reject\nthese changes. After the first year of the Account, we may increase\nyour Fees and the Interest Charges for new Account transactions. We\nmay change any other terms of your Account at any time, after we\ngive you any notice and wait any time period required by law.\n23. The Law that Applies to Your Agreement; Statute of Limitations\nWe make decisions to grant credit, open Accounts, and issue Cards\nfrom our offices in Tennessee. The interpretation and enforcement of\nthis Agreement (including the exportation of interest) shall be\ngoverned by Tennessee law and, to the extent federal law applies,\nfederal law, without regard to conflict of law principles. If any part of\nthis Agreement is found to be unenforceable or invalid, the remaining\nparts will remain in effect. You waive any applicable statute of\nlimitations, to the extent allowed by law. If the law does not allow the\nwaiver of any applicable statute of limitations, you agree that the\nstatute of limitations period for all purposes of this Agreement\nMay 2013\n\n4|P a g e\n\n\x0c(including the right to collect debt) will be the longer of the limitation\nperiod provided under Tennessee law or the limitation period under\nthe law of the jurisdiction where you live.\n24. Waiver\nWe will not lose any of our rights if we delay taking any action for any\nreason or if we do not notify you. For example, we may waive your\nInterest Charges or Fees without notifying you and without losing our\nright to charge them in the future. We may always enforce our rights\nlater and may take other actions not listed in this Agreement if the\nlaw allows them. You do not have to receive notice from us of any\nwaiver, delay, demand or dishonor. We may proceed against you\nbefore proceeding against someone else.\n25. Assignment\nThis Agreement will be binding on, and benefit, any of your and our\nsuccessors and assigns. You may not transfer your Account or your\nAgreement to someone else without our written permission. We may\ntransfer your Account, our rights and responsibilities under this\nAgreement, and/or the unpaid balances of your Account to another\ncompany or person at any time, without your permission and without\nadvance notice to you. If this happens, any such company or person\nwill take our place under this Agreement. You must pay them and\nperform all of your obligations to them and not us. If you pay us after\nyou are informed or learn that we have transferred your Account or\nthis Agreement, we can handle your payment in any way we think is\nreasonable. This includes returning the payment to you or forwarding\nthe payment to the other company or person.\n26. Warranties; Merchant Refunds\nWe make no warranties to you about any goods or services you may\npurchase from others using your Account or Card. Except as otherwise\nprovided in the \xe2\x80\x9cBilling Rights\xe2\x80\x9d section below, we are not responsible\nto you for any claim you may have related to the goods or services\nyou purchase with a Card. If you are entitled to a refund for goods and\nservices you purchased with a Card, you agree that we may process\nthese refunds as credits to the Balance Category for Purchases. You\nunderstand and agree that we have no control over when a merchant\ninitiates a refund. You agree that we have a reasonable amount of\ntime after we receive your refund to process it.\n27. Arbitration\n(A) Mandatory Arbitration of Disputes: The \xe2\x80\x9cArbitration Contract\xe2\x80\x9d\nmeans the provisions of this Section 27. In the Arbitration Contract, a\n\xe2\x80\x9cParty\xe2\x80\x9d means you, any Authorized User, or us (individually) and the\n\xe2\x80\x9cParties\xe2\x80\x9d includes you, all Authorized Users, and us (as a group). Any\n\xe2\x80\x9cDispute\xe2\x80\x9d must, at the election of either Party, be resolved by a\nneutral, binding arbitration and not by a court of law, unless the\nAgreement states otherwise. A \xe2\x80\x9cDispute\xe2\x80\x9d means any action, dispute,\nclaim or controversy of any kind that is in any way related to: (i) the\n\nmarketing, origination, servicing, collecting, or reporting of the\nAccount ; (ii) any part or all of the Agreement, including its Arbitration\nContract and the arbitrability of any issue, except that only an\nappropriate court is allowed, if necessary, to determine whether you\nor we waived any right to bring or participate in a class action under\nsub\xe2\x80\x90paragraph (E); or (iii) any other aspect of your or our past,\npresent, or future relationship or conduct.\n(B) Facts About Arbitration: Arbitration is a process in which a\nneutral arbitrator decides a dispute, instead of a judge or jury.\nArbitration proceedings are private and less formal than court trials.\nEach side has an opportunity to present some evidence to the\narbitrator. Your ability and our ability to discover details may be\nlimited. Other rights that the Parties might have in court may not be\navailable in arbitration. An arbitrator issues an award. A court may\nthen enforce the arbitrator\xe2\x80\x99s award like a court judgment. A court\nrarely overturns an arbitrator\xe2\x80\x99s decision.\n(C) Rules: A Party must give every other Party written notice of any\nDispute. Notice of a Dispute must be sent to us by first class mail at the\naddress we provided for billing errors on your most recent Statement.\nNotice of a Dispute must be sent to you by first class mail at the most\nrecent mailing address we maintain for you in our business records. If a\nParty elects to have a Dispute resolved by arbitration, that Party\xe2\x80\x99s notice\nto the other Party must describe the nature and factual basis of the\nDispute, the names and addresses of all other Parties, the amount\ninvolved, and the specific relief requested. The Party that responds to\nsuch a notice may answer and set forth any counterclaims. The\narbitration will be conducted by one neutral and impartial arbitrator\nmutually agreed upon by the Parties. The arbitrator must be an\nattorney or a retired judge. If the Parties cannot agree on an\narbitrator, the Parties agree that a court may appoint an arbitrator in\naccordance with the Federal Arbitration Act (9 U.S.C. \xc2\xa71 et seq.; the\n\xe2\x80\x9cFAA\xe2\x80\x9d). The arbitration must be conducted in the federal judicial\ndistrict where you live at the time of the arbitration, unless the\nParties agree to have the arbitration conducted in another\nlocation. The arbitrator may conduct all necessary preliminary\nproceedings, provide for the exchange of information and/or\ndiscovery, and set the time, date and place of any hearing, after\nreasonable notice to and consultation with the Parties. The award\nshall be issued without a written opinion no later than 30 days from the\ndate any hearing is completed.\n(D) Standards and Law: The Parties agree that the Agreement and\nthe Account involve interstate commerce and that this Arbitration\nContract is governed by the FAA. The arbitrator shall apply applicable\nsubstantive law, statutes of limitation, and honor claims of privilege\nthat are recognized by law. Judgment based on any arbitrator\xe2\x80\x99s award\nmay be entered by any court with competent jurisdiction.\n(E) Class Action Waiver: The Parties agree to give up: (i) any right\nthey may have to bring a class action lawsuit or class arbitration, or to\nparticipate in a class action lawsuit or class arbitration as a claimant;\n(ii) any right to consolidate or join any arbitration proceeding with the\n\narbitration of others; and (iii) any right to serve as a private attorney\ngeneral. If a court of competent jurisdiction determines that this sub\xe2\x80\x90\nparagraph (D) is illegal, invalid, or unenforceable, the Parties agree\nthat this Arbitration Contract shall be void in its entirety.\n(F) Jury Trial Waiver: If either Party chooses to have a Dispute\nresolved by arbitration, the Parties agree that there will be no right\nhave that Dispute tried in any court and there will be no right to have\na jury trial of that Dispute.\n(G) Fees and Costs: If you file for arbitration first, you will pay the\nfirst $250 of the arbitrator\xe2\x80\x99s fees and expenses and we will pay any\nadditional fees or expenses of the arbitrator. We will pay all of the\narbitrator\xe2\x80\x99s fees and expenses if we file arbitration first. The Parties\nshall be responsible for paying their own attorneys\xe2\x80\x99 fees in connection\nwith any arbitration, unless otherwise allowed for under applicable\nsubstantive law and awarded by the arbitrator.\n(H) Survival of Arbitration Contract: This Arbitration Contract will\nsurvive and continue in full force and effect, notwithstanding any\ncancellation, termination, amendment, payment in full, discharge in\nbankruptcy, or other expiration or conclusion of the Agreement or any\nother contract or transaction between the Parties, unless otherwise\nagreed in writing. In addition, you understand and agree that the\nrights and responsibilities afforded to us under this Arbitration\nContract survive any assignment of the Agreement by us and that we\ncan enforce this Arbitration Contract in the event a Dispute arises\nafter the assignment of the Agreement.\n(I) Severability: If it is determined that any paragraph or provision\nin this Arbitration Contract is illegal, invalid, or unenforceable, such\nillegality, invalidity or unenforceability shall not affect the other\nparagraphs and provisions of this Arbitration Contract. The\nremainder of this Arbitration Contract shall continue in full force and\neffect as if the severed paragraph or provision had not been included.\nNotwithstanding this severability provision, if a court of\ncompetent jurisdiction determines sub\xe2\x80\x90paragraph (E) to be\nillegal, invalid, or unenforceable, the Parties agree that such\nwaiver shall not be severed and that this Arbitration Contract shall be\nvoid in its entirety.\n(J) Right to Reject Arbitration: If you do not want this Arbitration\nContract to apply, you may reject it by mailing us a written notice to\nPinnacle Bank, 214 West College Street, Murfreesboro, TN 37130,\nattention: Cardmember Services, that describes the Agreement and\nyour Account and states that you are rejecting the Arbitration\nContract. A rejection notice is effective only if it is signed by each of\nyou and the envelope containing any rejection notice is postmarked\nno more than thirty (30) calendar days after your Account is opened.\nEven if you reject this Arbitration Contract, paragraphs E and F of the\nArbitration Contract shall remain valid and effective, and will be\nincorporated into the Agreement. If you reject this Arbitration\nContract, it will not affect any other provisions of the Agreement or\nyour obligations under the Agreement. If you do not properly reject\nthis Arbitration Contract, it will be effective as of the date of this\nMay 2013\n\n5|P a g e\n\n\x0ctransaction.\nTHE PARTIES HAVE AGREED TO WAIVE THEIR RIGHT TO A TRIAL BY\nJURY AND THEIR RIGHT TO PARTICIPATE IN CLASS ACTIONS.\nTHE TERMS OF THIS ARBITRATION CONTRACT AFFECT YOUR LEGAL\nRIGHTS. IF YOU DO NOT UNDERSTAND ANY TERMS OF THIS\nPROVISION, SEEK INDEPENDENT ADVICE BEFORE SIGNING THIS\nAGREEMENT. BY SIGNING THIS AGREEMENT, YOU ACKNOWLEDGE\nTHAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY\nEACH OF THE PROVISIONS, COVENANTS, STIPULATIONS AND\nCONTRACTS SET FORTH ABOVE.\n28. Glossary\nThe \xe2\x80\x9cAccount Opening Disclosures\xe2\x80\x9d are the tabular disclosures and\nother disclosures we provide before you are allowed to use the\nAccount or a Card. These Account Opening Disclosures include\ninformation about certain Fees that apply to your Account and the\nInterest Charges that apply to the Balance Categories of your Account.\nThe \xe2\x80\x9cBalance Categories\xe2\x80\x9d are the different Account segments we may\nestablish with unique pricing, grace periods or other terms. The\nBalance Categories of your Account may include Purchases, Cash\nAdvances, Balance Transfers, and Promotional Offers. We reserve the\nright to decide which Balance Category applies for each Account\ntransaction and our decision will be final.\nA \xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a balance we allow you to transfer to the\nAccount from an account you owe to another financial institution or\ncreditor, by using any written, electronic, or telephonic device or\nmethod we approve for this purpose.\nA \xe2\x80\x9cBilling Cycle\xe2\x80\x9d is the period of time covered by each Statement we\nsend you.\nA \xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan you obtain from us by using the Card,\nconvenience checks, or other forms or devices we approve for\nAccount access, including transactions initiated through a bank teller\nor an Automated Teller Machine (ATM). A \xe2\x80\x9cCash Advance\xe2\x80\x9d includes\nyour use of the Card or Account to obtain something we consider a\ncash equivalent, such as wire transfers, travelers\xe2\x80\x99 checks, money\norders, foreign currency, lottery tickets, gaming chips, and wagers.\n\xe2\x80\x9cFees\xe2\x80\x9d are the charges we add to your Account that are not based on\nthe Annual Percentage Rates.\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d are the charges we add to your Account based on\nthe Annual Percentage Rates and corresponding Daily Periodic Rates\nwe apply to your Account balances.\nThe \xe2\x80\x9cNew Balance\xe2\x80\x9d is the full unpaid balance of your Account as of the\nend of a Billing Cycle, which includes the billed and unpaid amounts\ndue for all Account transactions made in each Balance Category,\nInterest Charges, and Fees.\nA \xe2\x80\x9cPromotional Offer\xe2\x80\x9d means transactions and balances that post to\nyour Account and are subject to unique pricing, grace periods, or\n\nother terms we disclose from time to time for promotional and other\nreasons.\nA \xe2\x80\x9cPurchase\xe2\x80\x9d means the property, rights, goods and services you\npurchase, rent, or otherwise obtain directly from merchants and\nvendors by using your Card or the Account.\n29. Your Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing 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\naddress provided on your billing statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\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,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do we are not required to investigate any potential errors\nand 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\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\n\nsend you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question 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\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay 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\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. 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\npurchase, contact us in writing at the address provided on your billing\nstatement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\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\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\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\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nMay 2013\n\n6|P a g e\n\n\x0c'


b'Below are the terms you requested for a Pinnacle Bank MasterCard credit card product.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n13.24% to 19.24% when you open your account, based on your\ncreditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n13.24% to 19.24% when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n21.00%\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\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\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10 or 3% of the amount of each transfer, which ever is greater.\nEither $10 or 4% of the amount of each cash advance, which ever is greater.\n1.5% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Over\xc2\xadthe\xc2\xadcredit limit\n\nUp to $35\nUp to $35\nNone\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\n\x0cImportant Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person\nwho opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and\nother information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\nTerms and Conditions:The words "you" and "your" mean each person (as an individual) and all persons (as a group) applying as a Primary\nApplicant or Co\xc2\xadApplicant. You are applying for a credit card account provided by Pinnacle Bank, Nashville, TN ("we," "us," and "our"). By\napplying, you certify and agree that:\n\xe2\x80\xa2 You are at least 18 years old (or at least 19, if a Nebraska or Alabama resident);;\n\xe2\x80\xa2 You received, read, and agree to all terms and conditions provided with this application;\n\xe2\x80\xa2 All information and documents provided with your application is true, correct, and complete and we may rely on it;\n\xe2\x80\xa2 You are asking us to issue credit cards for account access to you and each Authorized User that any of you designate;\n\xe2\x80\xa2 You agree to be responsible, individually and together, for account use by any of you and any Authorized User;\n\xe2\x80\xa2 You will read the Consumer Cardmember Agreement and its Account Opening Disclosures carefully before you use or allow\nanyone else to use any credit card account;\n\xe2\x80\xa2 We are allowed to verify your employment, income, address, and all other information about you with financial institutions,\ncredit reporting agencies, employers, government agencies, and other third parties;\n\xe2\x80\xa2 We are authorized to use and disclose information about you, this application and any account we provide for our everyday\nbusiness purposes, to the extent permitted by applicable law and as described in our Privacy Policy, including information we\nshare with our service providers and other financial institutions to maintain and provide your credit card account;\n\xe2\x80\xa2 The obligations incurred with this credit card account are being incurred in the interest of your marriage or family, if you are\nmarried and living in a community property state; and\nYou agree that we may obtain consumer credit reports about you to review this application, and, if we open a credit card account for you,\nthat we may obtain consumer credit reports about you in the future to review, update, renew, collect, and service your credit card\naccount and for other purposes permitted by law. We will, if you request, tell you whether we obtained a consumer credit report about\nyou and tell you the name and address of any consumer reporting agency that provided the report.\nIf we open a credit card account for you, you understand and agree that you will be subject to all terms and conditions described in our\nConsumer Cardmember Agreement, as amended from time to time, including but not limited to its terms related to account payments,\nrates and fees, change in terms, and arbitration. This Consumer Cardmember Agreement becomes effective the first time you or any\nAuthorized User activates a Card or uses the Account in any way. You understand and agree that we may change the Consumer\nCardmember Agreement and the rates, fees, and terms of your credit card account as allowed by law, after we give any notice and wait\nany time period that the law requires.\n\nConsent for Communications: By applying and providing your telephone number(s) and email address(es), you expressly authorize us and\nour agents and service providers to use any available written, electronic, or verbal means of contacting you for any purpose related to the\nservicing and collection of your accounts with us, for surveys and research, and for any other informational purpose related to your\naccounts with us (each, a "Communication"). You agree this authorization for Communications includes, but is not limited to, our use of\nmanual calling methods, prerecorded or artificial voice messages, text messages, e\xc2\xadmail messages, and/or automatic telephone dialing\nsystems. You agree that we and our agents and service providers may contact you for these Communications using any e\xc2\xadmail address or\ntelephone number you provide, including a number for a cellular telephone or other wireless device, regardless of any charges you may\nincur as a result. We will not charge you for making a Communication, but your service provider may. You agree that we and our agents\nand service providers may monitor and record telephone calls about your credit card account to assure service quality or for other\nlegitimate business reasons. You understand and agree that we and our agents and service providers may always communicate with you\nin any manner permitted by law that does not require your prior consent.\nNotice of Negative Information Furnishing: We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\nNotice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the Primary Applicant\nand any Co\xc2\xadApplicant shall each have the right to use the account to the extent of any established credit limit and each may be liable for\nall credit extended under the account.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy\ncustomers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nNotice to New York Residents: You may contact the New York State Department of Financial Services by telephone or visit its website for\nfree information on comparative credit card rates, fees and grace periods.\nNY State Dept of Financial Services: 1\xc2\xad800\xc2\xad342\xc2\xad3736 http://www.dfs.ny.gov/consumer/creditdebt.htm.\n\n\x0cNotice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative to\nmarital property shall adversely affect a creditor\'s interest, unless prior to the time credit is granted the creditor is furnished a copy of the\nagreement, statement or decree, or has actual knowledge of the adverse provision. If any or both of you are married Wisconsin residents,\neach of you agree to provide us with your spouse\'s name and address at the following address within five (5) days of your application, so\nwe can provide your spouse(s) with any notice required by Wisconsin law: Apex Cardmember Services, P.O. Box 332509, Murfreesboro,\nTN 37133.\n\n01/2016\n\n\x0c'


b'Below are the terms you requested for a Pinnacle Bank MasterCard credit card product.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n13.24% to 19.24% when you open your account, based on your\ncreditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n13.24% to 19.24% when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n21.00%\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\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\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10 or 3% of the amount of each transfer, which ever is greater.\nEither $10 or 4% of the amount of each cash advance, which ever is greater.\n1.5% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Over\xc2\xadthe\xc2\xadcredit limit\n\nUp to $35\nUp to $35\nNone\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\n\x0cImportant Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person\nwho opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and\nother information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\nTerms and Conditions:The words "you" and "your" mean each person (as an individual) and all persons (as a group) applying as a Primary\nApplicant or Co\xc2\xadApplicant. You are applying for a credit card account provided by Pinnacle Bank, Nashville, TN ("we," "us," and "our"). By\napplying, you certify and agree that:\n\xe2\x80\xa2 You are at least 18 years old (or at least 19, if a Nebraska or Alabama resident);;\n\xe2\x80\xa2 You received, read, and agree to all terms and conditions provided with this application;\n\xe2\x80\xa2 All information and documents provided with your application is true, correct, and complete and we may rely on it;\n\xe2\x80\xa2 You are asking us to issue credit cards for account access to you and each Authorized User that any of you designate;\n\xe2\x80\xa2 You agree to be responsible, individually and together, for account use by any of you and any Authorized User;\n\xe2\x80\xa2 You will read the Consumer Cardmember Agreement and its Account Opening Disclosures carefully before you use or allow\nanyone else to use any credit card account;\n\xe2\x80\xa2 We are allowed to verify your employment, income, address, and all other information about you with financial institutions,\ncredit reporting agencies, employers, government agencies, and other third parties;\n\xe2\x80\xa2 We are authorized to use and disclose information about you, this application and any account we provide for our everyday\nbusiness purposes, to the extent permitted by applicable law and as described in our Privacy Policy, including information we\nshare with our service providers and other financial institutions to maintain and provide your credit card account;\n\xe2\x80\xa2 The obligations incurred with this credit card account are being incurred in the interest of your marriage or family, if you are\nmarried and living in a community property state; and\n\xe2\x80\xa2 If we decide not to approve any application you submit for a MasterCard World Credit Card, you want us to consider this\nsubmission to be your application for the MasterCard Platinum Rewards Card. You understand that the MasterCard Platinum\nRewards Card has fewer benefits than the MasterCard World Credit Card, but the same rates and fees apply to both cards.\nYou agree that we may obtain consumer credit reports about you to review this application, and, if we open a credit card account for you,\nthat we may obtain consumer credit reports about you in the future to review, update, renew, collect, and service your credit card\naccount and for other purposes permitted by law. We will, if you request, tell you whether we obtained a consumer credit report about\nyou and tell you the name and address of any consumer reporting agency that provided the report.\nIf we open a credit card account for you, you understand and agree that you will be subject to all terms and conditions described in our\nConsumer Cardmember Agreement, as amended from time to time, including but not limited to its terms related to account payments,\nrates and fees, change in terms, and arbitration. This Consumer Cardmember Agreement becomes effective the first time you or any\nAuthorized User activates a Card or uses the Account in any way. You understand and agree that we may change the Consumer\nCardmember Agreement and the rates, fees, and terms of your credit card account as allowed by law, after we give any notice and wait\nany time period that the law requires.\n\nConsent for Communications: By applying and providing your telephone number(s) and email address(es), you expressly authorize us and\nour agents and service providers to use any available written, electronic, or verbal means of contacting you for any purpose related to the\nservicing and collection of your accounts with us, for surveys and research, and for any other informational purpose related to your\naccounts with us (each, a "Communication"). You agree this authorization for Communications includes, but is not limited to, our use of\nmanual calling methods, prerecorded or artificial voice messages, text messages, e\xc2\xadmail messages, and/or automatic telephone dialing\nsystems. You agree that we and our agents and service providers may contact you for these Communications using any e\xc2\xadmail address or\ntelephone number you provide, including a number for a cellular telephone or other wireless device, regardless of any charges you may\nincur as a result. We will not charge you for making a Communication, but your service provider may. You agree that we and our agents\nand service providers may monitor and record telephone calls about your credit card account to assure service quality or for other\nlegitimate business reasons. You understand and agree that we and our agents and service providers may always communicate with you\nin any manner permitted by law that does not require your prior consent.\nNotice of Negative Information Furnishing: We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\nNotice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the Primary Applicant\nand any Co\xc2\xadApplicant shall each have the right to use the account to the extent of any established credit limit and each may be liable for\nall credit extended under the account.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy\ncustomers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nNotice to New York Residents: You may contact the New York State Department of Financial Services by telephone or visit its website for\n\n\x0cfree information on comparative credit card rates, fees and grace periods.\nNY State Dept of Financial Services: 1\xc2\xad800\xc2\xad342\xc2\xad3736 http://www.dfs.ny.gov/consumer/creditdebt.htm.\nNotice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative to\nmarital property shall adversely affect a creditor\'s interest, unless prior to the time credit is granted the creditor is furnished a copy of the\nagreement, statement or decree, or has actual knowledge of the adverse provision. If any or both of you are married Wisconsin residents,\neach of you agree to provide us with your spouse\'s name and address at the following address within five (5) days of your application, so\nwe can provide your spouse(s) with any notice required by Wisconsin law: Apex Cardmember Services, P.O. Box 332509, Murfreesboro,\nTN 37133.\n\n01/2016\n\n\x0c'