b'Annual Percentage Rate\n(APR) for Purchases\n\n36.0%\n\nAPR for Cash Advances 36.0%\nPaying Interest\n\nMinimum Interest\nCharge\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\nO\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nLI\n\nN\n\nSet-up and\nMaintenance\nFees\n\n$95.00\n\n$100.00\n\n$45.00\n\nN\n\nNone\n\n$75.00\n\nTransaction Fees\n\n3%\n\nE\n\n$8.00\n\n5%\n\nPenalty Fees\n\n$39.00\n\nBilling Rights:\n\nPY\n\nO\n\nHow We Will Calculate Your Balance:\n\nC\n\n$39.00\n\n\x0cProgram Fee:\nAvailable Credit Limitations:\nFEES AND INTEREST CHARGES:\nFEES AND INTEREST CHARGES:\nINTEREST CHARGES\nPeriodic INTEREST CHARGES: INTEREST CHARGES\nINTEREST CHARGES\nINTEREST CHARGES\nINTEREST CHARGES\nHow we calculate INTEREST CHARGES:\nINTEREST CHARGE\nCHARGE\n\nAverage Daily Balance\n\nHow we calculate Average Daily Balance and Daily Periodic Rate:\n\nAverage Daily Balance\nINTEREST CHARGE\nAverage Daily Balance\n\nO\n\nAverage Daily Balance\nDaily Balances\nAverage Daily Balance\nDaily Balance\n\nDaily Periodic Rate\nANNUAL PERCENTAGE RATE\nassessed to your Credit Account.\nMinimum INTEREST CHARGE:\nINTEREST CHARGE\n\nCash Advance Fee:\n\nINTEREST CHARGE\n\nLI\n\nMonthly Fee:\n\nThe APR applicable to Purchases will be applied to fees\n\nN\n\nAnnual Fee:\n\nINTEREST CHARGE\nINTEREST\nDaily Periodic Rate\n\nINTEREST CHARGE\n\nForeign Currency Transaction Fee:\nLate Payment Fee:\n\nE\n\nN\n\nReturn Item Charge:\n\nOTHER CHARGES AND IMPORTANT INFORMATION:\nAdditional Card Fee:\nCredit Limit Increase Fee:\n\nO\n\nC\n\nCopying Fee:\nCredit Insurance:\nExpress Delivery Fee:\nWire Transfer Fee:\nTotal Minimum Amount Due:\n\nSee the Credit Card Contract for further information regarding this\nCredit Account. Retain these important documents.\n\nPY\n\n\x0cdispute waive their rights to file a lawsuit, to proceed in court and to a jury trial,\nand instead submit their disputes to a neutral third person (an arbitrator) for a\nbinding decision. You have the right to opt out of this Arbitration Provision if you\nfollow the instructions set out in the paragraph titled \xe2\x80\x9cRight to Opt Out\xe2\x80\x9d below.\nPLEASE READ THIS PROVISION CAREFULLY. IT PROVIDES THAT\nALL DISPUTES ARISING OUT OF OR RELATED TO THIS CREDIT\nCARD CONTRACT SHALL BE RESOLVED BY BINDING ARBITRATION.\nARBITRATION REPLACES THE RIGHT TO GO TO COURT. IN THE\nABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY\nOTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS\nIN A COURT, BEFORE A JUDGE OR JURY AND/OR TO PARTICIPATE IN OR\nBE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING,\nBUT NOT LIMITED TO, CLASS ACTIONS). EXCEPT AS OTHERWISE\nPROVIDED, ENTERING INTO THIS AGREEMENT CONSTITUTES A\nWAIVER OF YOUR RIGHT TO LITIGATE CLAIMS IN COURT BEFORE A\nJUDGE OR JURY.\nRIGHT TO OPT OUT: To opt out of this Arbitration Provision, you must mail\na written notice to us so that it is postmarked no later than 45 days after\nwe mail your first Card to you. Your first Card is the one we mail to you at\napproximately the time your first Account application is approved. Your right to\nopt out will not apply when we send you a copy of your Credit Card Contract\nor this Provision, or when we send you an updated version of your Credit Card\nContract or this Provision, or when we send any replacement Card. If you opt\nout of this Arbitration Provision, you will retain your right to litigate your dispute\nin a court, either before a judge or jury. The opt out notice must include your\nname, address, and Account number, must be signed by you (or all of you if\nthere is more than one Account holder) and must be mailed to us at: PO Box\n5524, Sioux Falls, SD 57117-5524. If your written notice is not postmarked\nwithin 45 days from the date we mail your first Card to you, your right to opt\nout will terminate, and you agree that the terms of this Provision will apply.\nYour decision to opt out of this Provision will not affect your other rights or\nresponsibilities under this Credit Card Contract.\nIf we later amend this Provision, we will let you know if you can opt out of that\namendment and, if so, how you can do so.\nParties and Matters Subject to Arbitration: For purposes of this Provision,\n\xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d include our employees, parent companies, subsidiaries, affiliates,\nbeneficiaries, agents and assigns and other persons and entities you assert a\nClaim against in connection with a Claim you assert against us. For purposes\nof this Provision, \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy by either you\nor us, arising out of or relating in any way to this Credit Card Contract, your\nCredit Account, any transaction on your Credit Account and our relationship.\n\xe2\x80\x9cClaim\xe2\x80\x9d also refers to any interaction or communication between you and us\nthat occurred prior to or concurrent with entering into this Credit Card Contract,\nincluding those now in existence, regardless of present knowledge. \xe2\x80\x9cClaim\xe2\x80\x9d\nshall refer to claims of every kind and nature, including, but not limited to,\ninitial claims, counterclaims, cross-claims and third-party claims. All Claims are\nsubject to arbitration, regardless of legal theory and remedy sought, including,\nbut not limited to, claims based in contract, tort (including negligence, intentional\ntort, fraud and fraud in the inducement), agency, statutory law (federal and\nstate), administrative regulations or any other source of law (including equity).\nNotwithstanding the foregoing, the word \xe2\x80\x9cClaim\xe2\x80\x9d does not include any dispute\nor controversy about the validity, enforceability, coverage or scope of this\nArbitration Provision or any part thereof; all such disputes or controversies are\nfor a court and not an arbitrator to decide. However, any dispute or controversy\nthat concerns the validity or enforceability of the Credit Card Contract as a\nwhole is for the arbitrator, not a court, to decide.\nAgreement to Arbitrate: Any Claim shall be resolved and settled exclusively\nand finally by binding arbitration, in accordance with this Provision. Binding\narbitration shall not be required, however, for collection actions we bring\nin court if you default on your Credit Account as set forth in the Credit Card\nContract. Furthermore, both you and we retain the right to pursue in a small\nclaims court (or your state\xe2\x80\x99s equivalent court) any Claim that is within that\ncourt\xe2\x80\x99s jurisdiction, so long as the matter remains in such court and advances\nonly on an individual (non-class, non-representative) basis. For any Claims\n\ncovered by this Provision, a party who asserted a Claim in a lawsuit in court\nmay elect arbitration with respect to any Claim subsequently asserted in that or\nany related or unrelated lawsuit by any other party.\nClass Action Waiver: If a Claim is arbitrated, neither you nor we will have the\nright: (a) to participate in a class action, private attorney general action or other\nrepresentative action in court or in arbitration, either as a class representative\nor class member; or (b) to join or consolidate Claims with Claims of any other\npersons. An award in arbitration shall determine the rights and obligations of\nthe named parties only, and only with respect to the Claim(s) in arbitration,\nand shall not (i) determine the rights, obligations, or interests of anyone other\nthan a named party, or resolve any Claim of anyone other than a named party;\nnor (ii) make an award for the benefit of, or against, anyone other than a\nnamed party. No arbitration administrator or arbitrator shall have the power\nor authority to waive, modify, or fail to enforce this section, and any attempt to\ndo so, whether by rule, policy, arbitration decision or otherwise, shall be invalid\nand unenforceable. Any challenge to the validity of this Class Action Waiver\nshall be determined exclusively by a court and not by the administrator or any\narbitrator. Thus, you agree that UNDER THIS ARBITRATION PROVISION\nTHERE IS NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE LITIGATED\nIN COURT OR ARBITRATED ON A CLASS BASIS. Arbitration will only be\nconducted on an individual Claim basis and there is no right or authority to\nconsolidate or join any of your Claims with any other Claims. YOU AGREE\nTHAT YOU ARE VOLUNTARILY AND KNOWINGLY WAIVING ANY RIGHT\nTO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS\nOF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION\nUNDER THIS PROVISION.\nVoluntary Waiver of the Right to a Jury Trial: As a result of this Provision,\nneither you nor we have the right to litigate any Claim in court or the right to\na jury trial on any Claim, except as provided above. YOU AGREE THAT YOU\nARE VOLUNTARILY AND KNOWINGLY WAIVING ANY RIGHT YOU MAY\nHAVE TO GO TO COURT OR TO HAVE A JURY TRIAL.\nGoverning Law: This agreement to arbitrate is made pursuant to a transaction\ninvolving interstate commerce and shall be governed by the Federal Arbitration\nAct, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16, as it may be amended. If for any reason the Federal\nArbitration Act does not apply, the substantive law of the State of South Dakota\nshall govern this Provision.\nArbitration Location and Procedure: Any arbitration hearing at which you\nwish to appear will take place at a location within the federal judicial district\nthat includes your billing address at the time the Claim is filed. The party\nbringing the Claim may file its Claim at the American Arbitration Association\n(\xe2\x80\x9cAAA\xe2\x80\x9d), or an arbitration organization mutually agreed upon by the parties. The\narbitration organization that is selected will administer the arbitration pursuant\nto its procedures in effect at the time of filing, subject to this Provision. If you\ndo not agree to file your claim with AAA, and the parties cannot agree on an\nalternative arbitration organization, an arbitrator will be appointed by a court\npursuant to the Federal Arbitration Act. In the event of a conflict or inconsistency\nbetween the respective organization\xe2\x80\x99s rules and this Provision or the Credit\nCard Contract, this Provision shall govern. The arbitration will be conducted\nbefore a single arbitrator, whose authority is limited solely to individual Claims\nbetween you and us. The arbitration will not be consolidated with any other\narbitration proceeding. Any decision rendered in such arbitration proceeding will\nbe final and binding on the parties, except for any appeal rights under the FAA,\nand judgment may be entered in a court of competent jurisdiction. The rules\nand forms of AAA may be obtained as follows: American Arbitration Association,\n120 Broadway, Floor 21, New York, N.Y. 10271, website at www.adr.org.\nArbitrator\xe2\x80\x99s Authority: The arbitrator shall apply the applicable substantive\nlaw, consistent with the Federal Arbitration Act; shall apply statutes of limitation;\nand shall honor claims of privilege recognized at law. In conducting the\narbitration proceeding, the arbitrator shall not apply any federal or state rules of\ncivil procedure or evidence. THE RULES AND PROCEDURES OF THE AAA\nOR OTHER ARBITRATION ORGANIZATION WILL GOVERN THE RIGHT TO\nENGAGE IN PRE-ARBITRATION DISCOVERY. Either party may, however,\nrequest to expand the scope of discovery. If a request is made, within 15 days\nof the requesting party\xe2\x80\x99s notice, the objecting party may submit objections to\n\nE\n\nN\n\nthe arbitrator with a copy of the objections provided to the party requesting\nexpansion. The grant or denial of a party\xe2\x80\x99s request will be in the sole discretion\nof the arbitrator, who shall notify the parties of the final decision within 20 days\nof the objecting party\xe2\x80\x99s submission.\nThe Arbitrator\xe2\x80\x99s Award: The arbitrator may award any damages or other\nrelief or remedies that would apply under applicable law to an individual action\nbrought in court, including, without limitation, punitive damages (which shall be\ngoverned by the Constitutional standards employed by the courts), attorneys\xe2\x80\x99\nfees and costs and injunctive, equitable and declaratory relief (but only in\nfavor of the individual party seeking relief and only to the extent necessary to\nprovide relief warranted by that party\xe2\x80\x99s individual claim). At the timely request\nof either party, the arbitrator shall write a brief explanation of the grounds for the\ndecision. Judgment upon the award rendered by the arbitrator may be entered\nin any court having jurisdiction thereof. No arbitration award between you and\nus will have any impact on any dispute involving anyone who is not a party to\nthe arbitration, nor will an arbitration award between us and any other person\nhave any impact to an arbitration between you and us.\nExpenses: Regardless of who demands arbitration, we will pay all expenses\nof arbitration, including the filing, administrative, hearing and arbitrator\xe2\x80\x99s fees\n(\xe2\x80\x9cArbitration Fees\xe2\x80\x9d), to the extent that the Arbitration Fees exceed the amounts\nyou would be required to pay for filing a lawsuit in state or federal court,\nwhichever is less. If you have already paid a court filing fee, you will not be\nrequired to pay it again. Throughout the arbitration, each party shall bear his\nor her own attorney fees and expenses, such as witness and expert witness\nfees. If you prevail in the arbitration of any Claim against us, we will reimburse\nyou for any fees you paid to the arbitration organization in connection with the\narbitration. The arbitrator will have the authority to award fees and costs of\nattorneys, witnesses and experts to the extent permitted by this Credit Card\nContract, the administrator\xe2\x80\x99s rules or applicable law. With respect to Claim(s)\nasserted by you in an individual arbitration, we will pay your reasonable\nattorney, witness and expert fees and costs if and to the extent you prevail, if\napplicable law requires us to or if we must bear such fees and costs in order for\nthis Arbitration Provision to be enforced.\nBinding Effect and Survival: You and we agree that, except as specifically\nprovided for above, the arbitrator\xe2\x80\x99s decision will be final and binding on all\nparties subject to this Provision. This Provision is binding upon you, us, and\nthe heirs, successors, assigns and related third parties of you and us. This\nProvision shall survive termination of your account, whether it be through\nvoluntary payment of the debt in full by you, a legal proceeding initiated by\nus to collect a debt that you owe, a bankruptcy by you or a sale of your Credit\nAccount by us.\nSeverability: If any part of this Provision is deemed or found to be unenforceable\nfor any reason, the remainder shall be enforceable, except as follows:\nA. The parties to this Provision acknowledge that the provision\ntitled \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d is\nmaterial and essential to the arbitration of\nany disputes between the parties and is non-severable from this Provision. If\nthe Class Action Waiver is limited, voided or found unenforceable, then this\nProvision (except for this sentence) shall be null and void with respect to\nsuch proceeding, subject to the right to appeal the limitation or invalidation of\nthe Class Action Waiver. The parties acknowledge and agree that under no\ncircumstances will a class action be arbitrated.\nB. If a Claim is brought seeking public injunctive relief and a court\ndetermines that the restrictions in the Class Action Waiver and/or elsewhere\nin this Provision prohibiting the arbitrator from awarding relief on behalf of third\nparties are unenforceable with respect to such Claim (and that determination\nbecomes final after all appeals have been exhausted), the Claim for public\ninjunctive relief will be determined in court and any individual Claims seeking\nmonetary relief will be arbitrated. In such a case the parties will request that\nthe court stay the Claim for public injunctive relief until the arbitration award\npertaining to individual relief has been entered in court. In no event will a Claim\nfor public injunctive relief be arbitrated.\n\nPY\n\nO\n\nC\n\nARBITRATION AND LITIGATION\nThis Arbitration Provision (\xe2\x80\x9cProvision\xe2\x80\x9d or \xe2\x80\x9cArbitration Provision\xe2\x80\x9d) facilitates the\nprompt and efficient resolution of any disputes that may arise between you and\nus. Arbitration is a form of private dispute-resolution in which persons with a\n\nLI\n\nSTATE DISCLOSURES\nCalifornia Residents: A married applicant may apply for a separate Credit\nAccount. As required by law, you are hereby notified that a negative credit\nreporting reflecting on your credit record may be submitted to a Consumer\nReporting Agency if you fail to fulfill the terms of your credit obligations. After\ncredit approval, each applicant shall have the right to use the Credit Account\nup to the limit of the Credit Account. Each applicant may be liable for amounts\nextended under the plan to any joint applicant.\nDelaware Residents: Service charges not in excess of those permitted by law\nwill be charged on the outstanding balances from month to month.\nKentucky Residents: You may pay the unpaid balance of your Credit Account\nin whole or in part at any time.\nMaryland Residents: Finance charges will be imposed in amounts or at rates\nnot in excess of those permitted by law.\nMaine Residents: Credit insurance provided herein is voluntary and you have\nthe right to cancel such credit insurance at any time.\nVermont Residents: First PREMIER Bank may obtain a consumer report\nfor any legitimate purpose in connection with your Credit Account or your\napplication, including but not limited to reviewing, modifying, renewing and\ncollecting on your Credit Account. Upon your request, we (First PREMIER\nBank) will inform you of the names and addresses of any Consumer Reporting\nAgencies that have furnished the reports.\nOhio Residents: The Ohio laws against discrimination require that all creditors\nmake credit equally available to all credit worthy customers, and that Consumer\nReporting Agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this\nlaw.\nMarried Wisconsin Residents: No provision of any marital property\nagreement, unilateral statement, or court order applying to marital property will\nadversely affect a creditor\xe2\x80\x99s interests unless prior to the time credit is granted,\nthe creditor is furnished with a copy of the agreement, statement, or court order,\nor has actual knowledge of that provision.\nWashington Residents: A service charge will be computed on the outstanding\nbalance for each month. You may at any time pay your total unpaid balance.\n\nN\n\nYOUR BILLING RIGHTS\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement: If you think there is an\nerror on your statement, write to us at:\nFirst PREMIER Bank\nP.O. Box 5524\nSioux Falls, SD 57117-5524\n(You may also contact us on the Web: www.mypremiercreditcard.com.)\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Credit 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, describe what\nyou believe is wrong and why you believe 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 three business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing (or electronically). You may\ncall us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter: When we receive your\nletter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n(2) Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why 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\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe 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 question or any\ninterest 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 amount in\nquestion, along with applicable interest and fees. We will send you a statement\nof the amount you owe and the date payment is due. We may then report you\nas delinquent if 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\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases: If\nyou are dissatisfied with the goods or services that you have purchased with\nyour credit Card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe Purchase.\nTo use this right, all of the following must be true:\n\n(1) The Purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the Purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if your Purchase was based\non an advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n(2) You must have used your credit Card for the Purchase. Purchases made\nwith Cash Advances from an ATM or with a check that accesses your Credit\nAccount do not qualify.\n(3) 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:\nFirst PREMIER Bank\nP.O. Box 5524\nSioux Falls, SD 57117-5524\nwww.mypremiercreditcard.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\npoint, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\nYour Liability for Unauthorized Use of Your Credit Account: You will not be\nliable for unauthorized use of your Card or Credit Account. However, to protect\nyour rights, you are required to notify us orally or in writing as soon as you are\naware that your Card or Credit Account has been lost, stolen or used without\nyour consent. Certain exceptions apply. To notify us of the loss, theft or possible\nunauthorized use of your Card, call us at 1-800-987-5521, 24 hours a day.\n\nO\n\nCredit Account for any unlawful purpose or for any gambling transaction, you\nwill be responsible for such use and may be required to reimburse us for all\namounts or expenses we pay as a result of such use.\nCall Recording: You agree and consent that we will record and may monitor\nany calls between you and us. This includes both calls to and originated by First\nPREMIER Bank, PREMIER Bankcard, LLC, our parent corporation, or any of\nour affiliates, agents, independent contractors or service providers.\n\nM-131932\n\nPFNA\n\n08/20\n\nFirst PREMIER Bank\nCREDIT CARD CONTRACT AND\nACCOUNT OPENING DISCLOSURES (cont\xe2\x80\x99d)\nThis Contract explains the terms and conditions of your Credit Account with\nus, including important provisions relating to arbitration and litigation. For\nadditional important information on fees and INTEREST CHARGES and\nother contract provisions that apply to your Credit Account, please review\nthe Account Opening Disclosures printed on the card carrier containing\nyour Card. Be sure to retain all Contract documents for future reference.\nYOUR CONTRACT WITH US\nYour Mastercard\xc2\xae or Visa\xc2\xae brand Credit Account is governed by the terms and\nconditions in this Contract and the Account Opening Disclosures printed on the\ncard carrier containing your Card (\xe2\x80\x9cContract\xe2\x80\x9d).\nApplicable Law: No matter where you live, our Contract with you and the terms\nof your Credit Account will be governed by the laws of the State of South Dakota\nand applicable federal law.\nEffective Date: Unless you are a resident of the State of New York, this\nContract is effective upon the earlier of (1) the first Purchase made or Cash\nAdvance taken on your Credit Account, and (2) the expiration of 30 days from\nthe date we issue the Card to you if you do not provide us written notice of\nyour desire to cancel within this 30 days. If you are a resident of the State of\nNew York, this Contract is not effective until the earlier of (1) the first Purchase\nmade or Cash Advance taken on your Credit Account, and (2) the date you\nmove from the State of New York, unless the date you move from the State of\nNew York is less than 30 days from the date we issue a Card to you, in which\ncase this Contract will be effective on the date that is 30 days from the date we\nissue a Card to you (and not the date you move from the State of New York) if\nyou do not provide us written notice of your desire to cancel within this 30 days.\nIn all cases, if any fees are required to be paid prior to opening your Credit\nAccount, this Contract will not be effective and your Credit Account will not be\nopened until such fees are paid in full. You are not obligated to pay any fees or\nINTEREST CHARGES (other than any fees required to be paid prior to opening\nyour Credit Account) until this Contract is effective.\nDEFINITIONS USED IN THIS CONTRACT\nIn this Contract, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d each refer to First PREMIER Bank (the\n\xe2\x80\x9cBank\xe2\x80\x9d).\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person authorized by you to use the Card or\nCredit Account.\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d begins on the day after the Statement Closing Date of the\nprevious Statement and includes the Statement Closing Date of the current\nStatement.\n\xe2\x80\x9cCard\xe2\x80\x9d means all the plastic credit cards we issue to you or any other person\nwho is authorized to use the Credit Account. In the event we issue other\ndevices by which you can access your Credit Account, those devices will also\nbe \xe2\x80\x9cCards\xe2\x80\x9d for purposes of this Contract.\n\xe2\x80\x9cClosing Date\xe2\x80\x9d means the last day of any Billing Cycle.\n\xe2\x80\x9cCredit Account\xe2\x80\x9d means the credit card account that we open for you and the\nrelationship that is established between you and us by this Contract. This Credit\nAccount is used to record transaction activity made by you when you access\nor otherwise utilize the line of credit we extend to you when you use your Card.\n\xe2\x80\x9cNew Balance\xe2\x80\x9d means the outstanding balance of your Credit Account at the\nend of any Billing Cycle. The New Balance is the sum of the Previous Balance\n(defined as the New Balance shown on your last Statement) less payments\nand credits, plus new Cash Advances and Purchases and our charges posted\nduring the Billing Cycle.\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d means the date we must receive your payment, which is\nnot less than 27 days from the Closing Date.\n\n\x0cauthorizations, such as hotels, motels and car rental. Such an authorization\nmay limit your ability to make Purchases and take Cash Advances on your\nCredit Account until the authorization is canceled by the merchant and your\navailable credit is released.\nElectronic Check Presentment: When you send us a personal check, you\nauthorize us to either use information from your check to make a one-time\nelectronic transfer from your account, or to process the payment as a check\ntransaction. If your check is processed electronically, your canceled check will\nnot be returned to you by your financial institution. We will retain an image of\nyour electronically processed check(s) as required by law. If requested prior\nto the time we are allowed by law to destroy electronically processed checks,\nwe will provide you with a copy of your electronically processed check(s) upon\nyour request. Funds may be withdrawn from your bank account as soon as\nthe day your payment is received. We agree to accept your checking account\nstatement as proof of payment. The description on your checking account\nstatement will read: PREMIER CR CARD CHECK-PAYMT, serial number of\nthe check, amount of the payment and date of the transaction. If you choose\nto opt out of electronic check presentment, please call our Customer Service\nDepartment at 1-800-987-5521.\nLate Payments: We may accept late payments, partial payments or checks or\nother payment instruments marked to impose terms or conditions of acceptance\nsuch as \xe2\x80\x9cpaid in full\xe2\x80\x9d without waiving any of our rights under this Contract,\nand no attempt by you to impose any term or condition of acceptance will be\neffective against us. Satisfaction of a debt for less than the full amount due or\nimposition of any other term or condition on us requires a written agreement,\nsigned by an authorized Bank representative.\nDEFAULT PROVISIONS\nEvents of Default: You will be in default of this Contract if any of the following\noccur on this or any Related Credit Account:\n\xe2\x80\xa2 You do not pay at least the Total Minimum Amount Due on your Credit\nAccount on or before the Payment Due Date.\n\xe2\x80\xa2 You die or become legally incompetent.\n\xe2\x80\xa2 You become insolvent or bankrupt.\n\xe2\x80\xa2 You exceed or attempt to exceed your Credit Limit.\n\xe2\x80\xa2 You provide us with or have provided us with false or misleading\ninformation or signatures at any time.\n\xe2\x80\xa2 You fail to comply with this Contract.\n\xe2\x80\xa2 You fail to make any payment or perform any promise in any agreement\nor obligation you have with us.\n\xe2\x80\xa2 Any judgment, lien, attachment or execution is issued against you or your\nproperty.\n\xe2\x80\xa2 You request an excessive number of replacement Cards.\n\xe2\x80\xa2 We reasonably believe that you will not pay amounts owed to us for any\nreason.\nIf You Are In Default: Upon your default of this Contract, we will have all\nremedies provided by law including, without limitation, and without prior notice\nor demand, the right to:\n\xe2\x80\xa2 Deny use of your Credit Account.\n\xe2\x80\xa2 Close or refuse to renew your Credit Account.\n\xe2\x80\xa2 Demand the return of your Card(s).\n\xe2\x80\xa2 Declare your entire balance immediately due and payable.\n\xe2\x80\xa2 Initiate collection activity.\n\xe2\x80\xa2 Not replace your Card(s).\nCollection Costs: To the extent permitted by law, you must pay all court and\ncollection costs, including reasonable attorneys\xe2\x80\x99 fees, the costs of placing your\nCredit Account in the Warning Bulletin and the costs of confiscating your Card,\nthat we incur as a result of your default.\n\nE\n\nN\n\nABOUT YOUR PAYMENTS\nAmount of Payment, Avoiding Late Fees, and Payment Instructions: You\nmust make a payment by the Payment Due Date in each billing cycle that has\na New Balance. The amounts you owe are shown in the \xe2\x80\x9cPayment Information\xe2\x80\x9d\nbox on the first page of your Statement. To avoid a Late Payment Fee, we must\nreceive a payment at least equal to the Minimum Payment plus the Past Due\nAmount shown on your Statement by 5 pm Central Time (referred to as the\npayment cutoff time) on your Payment Due Date. You can make a payment\nby mail, by phone, by bill payment service, or online. Instructions on making a\npayment and when the payment will be credited to your account are included on\nyour Statement. Generally, credits from merchants are not treated as payments\nand will not reduce the amount you must pay each Billing Cycle. The Payment\nDue Date will be at least 27 days from the Statement Closing Date. Your\nPayment Due Date will be the same date each month. You can pay all or any\nportion of your balance owed on your Account at any time.\nApplying Your Payments: We may apply your payment to whichever\nbalances we choose to the extent it does not exceed the Total Minimum Amount\nDue shown on your Statement. The amount of your payment in excess of the\nTotal Minimum Amount Due will be applied to balances subject to the highest\nAPR prior to balances subject to lower APRs. We may apply your payment to\nprincipal amounts, INTEREST CHARGES, fees and other charges in any order\nwe choose, and we may change the order of application of payments from time\nto time at our discretion.\nAvailability of Credit: Available credit created as a result of payments posted\nto your Credit Account may not be available for up to 20 days, or even longer if\ncircumstances warrant an additional hold, or if we deem ourselves at risk for any\nreason. Your available credit may be limited, from time to time, if you provide\nyour Credit Account number or Card to a merchant that processes advance\n\nAccount is closed, you remain responsible for paying any amounts you owe\non the Credit Account according to the terms of this Contract. If this is a joint\nCredit Account, either of you may request that the Credit Account be closed and\nwe will honor that request. If your account is billed a Monthly Fee, refer to the\nAccount Opening Disclosures included on the credit card carrier for information\nabout the billing of the fee when the account is closed. If your account is billed\nan Annual Fee or Monthly Fee, refer to the back of your monthly Statement for\ninformation on how to avoid the fees.\nNon Use Inactivity Closure: If you have never made a payment or used\nyour Credit Account for a Purchase or Cash Advance, your Credit Account\nwill be automatically closed, and all fees posted to your Credit Account will be\nreversed, when your Credit Account becomes 50 days delinquent (75 days from\nthe initial Statement Closing Date if you are a resident of the State of New York).\nREFUND DISCLOSURE\nInitial Fee Refunds: The following describes our policy concerning the refund\nof the Program Fee and initial fees (those fees that are billed on your first\nstatement):\nWhen we will provide a full refund. We will refund the Program Fee and\ninitial fees if you have not made a Purchase or obtained a Cash Advance\nand either of the following are true:\n\xe2\x80\xa2 Your account is closed within 11 days following the payment due\ndate shown on your first billing statement; or\n\xe2\x80\xa2 Your account is closed before you pay anything after receiving a\nbilling statement.\nWhen we will provide a partial refund. If your account is closed more\nthan 11 days after the payment due date on your first billing statement,\nwe will refund the unpaid amount of the outstanding fees even if you have\nmade a payment after receiving a billing statement as long as you have\nnot made a Purchase or obtained a Cash Advance. However, we will not\nrefund any amount you have previously paid, including the Program Fee\nor any other fees billed to your account.\nWhen we will not provide a refund. We have no obligation to refund fees\nor interest after you make a Purchase or obtain a Cash Advance following\nreceipt of these disclosures.\nWe will also refund any amount of the Program Fee you have paid if your\naccount is not opened within 85 days after we approve your application.\nCredit Limit Increase Fee Refunds: We will refund the Credit Limit Increase\nFee if you reject the credit limit increase within 30 days after the date of the\nbilling statement on which the fee is billed. This will result in a reversal of the\ncredit limit increase.\nOTHER TERMS AND CONDITIONS\nSeverability: If any provision of this Contract is invalid or unenforceable, it shall\nnot affect the validity or enforceability of any other provision of this Contract.\nChanging This Contract: We may change this Contract from time to time.\nFor example, we may change your Credit Account number or the Minimum\nPayment, add new INTEREST CHARGES or fees, change the ANNUAL\nPERCENTAGE RATE or change the method of computing the balance upon\nwhich we impose INTEREST CHARGES. We may also make other changes.\nWe will notify you in writing of any change if required by law. Contract changes\nwill apply to amounts you owe at the time the change is effective and to new\ntransactions on your Credit Account, unless otherwise required by law.\nUse of Credit Reports: You authorize us to access and use your credit reports\nfrom the consumer reporting agencies for any purpose permitted by law\nwhich may include whether to extend, increase, or decrease credit, reviewing,\nrenewing or servicing your Credit Account, or determining whether to offer other\nproducts or services to you.\nInformation Sharing: The following describes your agreement with us with\nrespect to information sharing. By requesting, obtaining or using a Credit\nAccount from us you agree that we may release information in our records\nregarding you and your Credit Account:\n\xe2\x80\xa2 To comply with any properly served subpoena or similar request issued\nby a state or federal agency or court.\n\nPY\n\nO\n\nC\n\nRECEIVING STATEMENTS, OTHER INFORMATION AND\nCOMMUNICATIONS FROM US\nWhere We Send Statements: We will send Statements and any other notices\nto you at the address shown in our files. If this is a joint Credit Account, we\ncan send Statements and notices to either of you. You agree to notify us\npromptly of any change in your address. We may accept address changes\nor corrections from the United States Postal Service. We may also mail\nStatements and other communications to you at any address we determine to\nbe an address at which you can receive mail. If you elect to receive Statements\nand other communications electronically, we may send those Statements and\ncommunications as directed by you.\nWhen You Receive Your Statements: We will send you a Statement at the\nend of each monthly Billing Cycle in which your Credit Account has a debit\nor credit balance of more than $1.00, if an INTEREST CHARGE has been\nimposed or if other account activity has occurred. Your Statements will arrive\naround the same time each month, however we reserve the right to change the\ndate of your Billing Cycle at any time.\nUnderstanding Your Statement: The Statements we send to you will reflect\nthe activity and our INTEREST CHARGES and other charges, costs and fees\non your Credit Account during the Billing Cycle. They will also show your Total\n\nLI\n\nUSING YOUR CREDIT ACCOUNT\nYour Promise To Pay: You agree to pay us for all charges, Cash Advances,\nINTEREST CHARGES, Purchases and fees incurred on your Credit Account\n\nMinimum Amount Due and Payment Due Date, which is the date by which we\nmust receive payment. The information contained on the Statement will be\ndeemed to be correct unless you advise us in writing of any error within 60 days\nof the date on which we send your Statement. If there are more than one of you\nliving at different addresses, we will send the Statements only to the person\nnamed as the \xe2\x80\x9cApplicant\xe2\x80\x9d in your application.\nConsent to calls and messages using autodialer, prerecorded message\nand artificial voice: You agree and expressly consent that we and our agents,\naffiliates, contractors, subcontractors, and assignees may call or contact you\nat any cellular, mobile, home, work, or other telephone number, electronic\nmail address, or other digital or electronic communication terminal, link, point\nor address of any kind whatsoever that (a) you provide or use to contact us,\n(b) we obtain from a third party such as an employer, friend, family member,\nanother creditor, or person with whom you have done business, or (c) we obtain\nthrough any legal means, including without limitation, a caller identification\nsystem that captures your number. You expressly consent to receiving calls,\ntext messages and other communications from us, our agents, affiliates,\ncontractors, subcontractors, and assignees on any number that is assigned to\na cellular telephone service, wired telephone service, paging service, facsimile\nmachine, specialized mobile radio service, radio common carrier service,\ninternet protocol service, or other electronic, digital or analog service that is\nplaced through or utilizes an automatic telephone dialing system, artificial voice\nor pre-recorded message, or any other technology, even if you incur a cost\nwhen we contact you. You accept responsibility for all costs you incur when\ncontacted through any of these means.\nIndemnification: You agree to indemnify us for all damages, costs and\nexpenses, including reasonable attorney fees, we incur when we attempt\nto contact you at any third party\xe2\x80\x99s telephone number that you provide to us,\nincluding any number for which you fail to notify us is no longer associated with\nyou as the subscriber.\nE-mail: By providing us with your e-mail address, you consent to receive\ncorrespondence electronically from us and our affiliates and service providers.\nYou agree that we may communicate with you by e-mail for any lawful reason.\nOther Communication Devices: If you provide us with any other form of\nelectronic communication mechanism, you agree that we may communicate\nwith you by that mechanism for any lawful reason.\n\nN\n\nUSING YOUR CARD\nSign Your Card: Be sure to sign your Card before you use it.\nIf You Do Not Want the Card: If you do not want the Card and Credit Account,\nyou must contact us by telephone or in writing asking us to close your Credit\nAccount.\nDo Not Give Your Card to Others: Cards may not be given to anyone else to\nuse. Other people who want a Credit Account should apply separately.\nYour Responsibility for Authorized Users: If another person is given access\nto your Credit Account with your express or implied permission, notwithstanding\nthe provision above, that person is an Authorized User, even if we did not issue\nan additional Card in the Authorized User\xe2\x80\x99s name. At your request, and if we\nagree, we may issue an additional Card in the name of an Authorized User with\nyour Credit Account number.\nYou will be responsible for all charges, Cash Advances, INTEREST CHARGES,\nPurchases and fees incurred by any Authorized User. We are not required to\ntry to obtain payment from any Authorized User before requiring payment from\nyou.\nIf you wish to remove an Authorized User from your Credit Account you must\ncontact us either by telephone or in writing. You will still be responsible for\npayment of all Purchases, Cash Advances, INTEREST CHARGES and fees\nincurred or obtained by the Authorized User. We may close your existing\nCredit Account and issue you a new Card and account number. You and each\nAuthorized User agree that we may report account information to Consumer\nReporting Agencies in the names of both you and the Authorized User.\nLost or Stolen Cards: To protect your rights, you must notify us immediately at\n1-800-987-5521 if your Card is lost or stolen or if you suspect that it has been\nused or may be used without your permission. If your Card is reported as lost or\nstolen or you are claiming unauthorized use of your Credit Account or Card, we\nmay require you to file one or more reports with the appropriate law enforcement\nagencies and us prior to our removal of possible unauthorized charges made\nagainst your Credit Account. You will not be liable for unauthorized use of your\nCard. Certain exceptions apply.\nRefusal to Accept Your Card: We are not responsible if any person or\nmerchant does not accept your Card, or if an ATM or other device fails to\nproperly operate. All transactions, even when you get a receipt, are subject to\nour final verification.\nCards Are Our Property: You agree to return each Card issued on your Credit\nAccount to us upon our demand.\n\nby you, or by any Authorized User, as well as any other fees imposed by us,\nas explained in this Contract. If more than one person requests or accepts the\nCredit Account, each and every person individually and jointly are responsible\nfor payment until the account is paid in full.\nJoint Account Holders: If this is a joint Credit Account, each person who\nsigned the application: (1) may obtain Purchases and Cash Advances not to\nexceed the total credit limit; (2) will be responsible for paying all amounts owed;\nand (3) can close the Credit Account.\nAccessing Your Credit Line: You can use the Card and your Credit Account\nto make Purchases and obtain Cash Advances. Upon your request, you may\nbe assigned a Personal Identification Number (PIN). If a PIN is assigned to\nyou, you can obtain a Cash Advance at any authorized ATM by using the Card\nand PIN.\nUnderstanding Your Credit Limit: Your \xe2\x80\x9cCredit Limit\xe2\x80\x9d is the maximum amount\nof credit we have approved for your Credit Account. The amount of your\nCredit Limit is printed on the card carrier containing your Card and on your\nStatements. Your balance may not exceed your Credit Limit at any time. At\nour sole discretion, we may honor Purchases or Cash Advances in excess of\nyour Credit Limit without raising your Credit Limit. If we do, we may require you\nto pay us any amount over your Credit Limit immediately. Decisions on Credit\nLimit increases may be based on your performance under this Credit Account\nand other Related Credit Accounts you have with us and other credit criteria. If\nwe have previously allowed your balance to exceed your Credit Limit, it does\nnot mean that we will permit your balance to exceed your Credit Limit again.\nWe reserve the right to approve or deny authorizations or transactions from any\nmerchant at our sole discretion.\nObtaining Cash Advances: You may take Cash Advances on your Credit\nAccount in any of the following ways: By presenting the Card to us or any other\nparticipating Mastercard\xc2\xae or Visa\xc2\xae financial institution to obtain cash, by using\nthe Card at an authorized merchant, other non-bank entity, or an Automated\nTeller Machine (ATM) or other device to obtain cash or cash equivalent, or to\nmake a transfer from your Credit Account to any other deposit or loan account.\nEven if you use your Credit Account to obtain cash from a non-bank entity, the\ntransaction will be described as a Bank Cash Advance.\nYou may not take Cash Advances in excess of $500.00 per day. The minimum\nCash Advance per transaction is $20.00. For Credit Accounts opened on or\nafter June 1, 2003, your initial Cash Advance limit will be 10% of your assigned\nCredit Limit. Once your Credit Account has been open and active for a minimum\nof 90 days, has two consecutive months of current payment history, is not\ncurrently delinquent and no payments have been returned for the past 60\ndays, your Cash Advance availability may be increased to 50% of the assigned\nCredit Limit. For example, if your Credit Limit is $250.00, your beginning Cash\nAdvance limit will be $25.00 and may increase to $125.00 once the criteria\nabove are met.\n\nO\n\n\xe2\x80\x9cProper Form\xe2\x80\x9d means a payment sent by mail or courier that:\n\xe2\x80\xa2 is by check, money order, or cashier\xe2\x80\x99s check payable in US dollars (do\nnot send cash)\n\xe2\x80\xa2 is payable to First PREMIER Bank (no third-party checks)\n\xe2\x80\xa2 includes your payment coupon, or includes your name and account\nnumber on the check\n\xe2\x80\x9cRelated Credit Account(s)\xe2\x80\x9d means any Credit Accounts established using\nthe same Social Security Number.\n\xe2\x80\x9cStatement\xe2\x80\x9d is a summary of your Credit Account activity provided to you at\nthe end of each Billing Cycle.\n\xe2\x80\x9cTotal Minimum Amount Due\xe2\x80\x9d means the total minimum amount we request\nthat you pay each month as indicated on your Statement. This amount includes\nthe Minimum Payment, any Past Due Amount and any Amount Over Limit Due,\nwhich is the amount by which the New Balance exceeds your Credit Limit. (See\nthe Minimum Payment provisions on the Account Opening Disclosures printed\non the card carrier containing your Card for more information on how the \xe2\x80\x9cTotal\nMinimum Amount Due\xe2\x80\x9d is calculated.)\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and every person who is authorized to use the\nCredit Account, including Authorized Users, joint account holders and other\npersons you authorize to use the Card.\nOther important words used in this Contract begin with capital letters. They are\ndefined throughout this Contract.\n\nCLOSING YOUR CREDIT ACCOUNT\nWe May Suspend or Close Your Credit Account: We may suspend your\nCredit Account privileges or permanently cancel and close your Credit Account\nat any time, for any reason.\nYou May Close Your Credit Account: You may cancel your Credit Account\nat any time by notifying us by telephone or in writing. Even after your Credit\n\n\xe2\x80\xa2 To share your credit performance with Consumer Reporting Agencies\nand other creditors who we reasonably believe are or may be doing\nbusiness with you on your Credit Account.\n\xe2\x80\xa2 To provide information on your Credit Account to any third party who\nwe believe is conducting an inquiry in accordance with the Federal Fair\nCredit Reporting Act.\n\xe2\x80\xa2 To share information with our employees, agents or representatives\nperforming work for us in connection with your Credit Account.\n\xe2\x80\xa2 To communicate information as to our transactions or experiences with\nyou to persons or entities related by common ownership or affiliated by\ncorporate control or with any third party (including non-affiliates).\nWe may also share information such as: (1) information other than our\nown transactions with you with persons or entities related to the Bank\nby common ownership or corporate control; or (2) information on your\nCredit Account with certain companies to provide or offer you selected\nproducts, services or cardholder benefits. You may direct us not to share\none or both of these. If this is your request call 1-800-987-5521 or notify us in\nwriting at First PREMIER Bank, P.O. Box 5528, Sioux Falls, SD 57117-5528.\nBe sure to include your name, address and Credit Account number. You may\nreceive a copy of our information on your Credit Account by writing or calling\nus at the address or telephone number listed above. By requesting or obtaining\na Credit Account, you authorize us to check your credit history. You authorize\nyour employer, bank and any other references listed to release and/or verify\ninformation to us and our affiliates in order to determine your eligibility for the\nCredit Account and any renewal or future extension of credit. If you ask, you will\nbe told whether or not consumer reports on you were requested and the names\nof the Consumer Reporting Agencies, with their addresses, that provided the\nreports. If you designate an Authorized User to use your Card, you understand\nthat account information may also be reported to Consumer Reporting Agencies\nin the Authorized User\xe2\x80\x99s name.\nNo Waiver: Even if we do not exercise any right we may have against you, we\ndo not intend to waive that right. We can exercise it against you in the future.\nBinding Effect Upon Death or Incompetency: If we pay a merchant for a\nPurchase or post a Cash Advance to your Credit Account before we receive\nactual written notice of your death or incompetence, or if we pay a merchant\nfor a Purchase made by you or post a Cash Advance taken by you prior to\nyour death or incompetence, that transaction will be a valid and binding Credit\nAccount obligation upon you, your estate and your personal representatives.\nOur Liability To You: We have no liability to you, other than as placed on us by\nlaw. We will meet our duty to care for your Credit Account(s) under reasonable\nbanking procedures. Our mere clerical error or honest mistake will not be\nconsidered a failure to perform any of our obligations.\nTransactions in Foreign Currencies: If you make a transaction in a foreign\ncurrency, it will be converted into U.S. dollars, and you agree to accept the\nconverted amount. Visa USA, Inc. or Mastercard International, Inc. will use\nits currency conversion procedures in effect when processing the transaction.\nThe currency conversion rate will be a rate selected by Visa or Mastercard, as\napplicable, from the range of rates available in wholesale currency markets for\nthe applicable central processing date, which rate may vary from the rate Visa\nor Mastercard itself receives, or the government-mandated rate in effect for the\napplicable central processing date, in each instance, plus a foreign currency\ntransaction fee in the amount disclosed on your Account Opening Disclosures\nprinted on the card carrier containing your Card. This fee will be paid to us\nand applied to all transactions posted to your Credit Account in a foreign\ncurrency, including all Purchase transactions, Cash Advance transactions, ATM\ntransactions and returns and adjustments (e.g., for returned merchandise). The\ncurrency conversion rate used on the processing date may be different than the\nrate that was in effect on the date you conducted the transaction. We do not\nset the currency conversion rate, and we do not receive any portion of it. We\ndo, however, receive a foreign currency transaction fee as disclosed on your\nAccount Opening Disclosures printed on the card carrier containing your card.\nProhibition on Gambling and Illegal Transactions: Your Card and Credit\nAccount may not be used in connection with any gambling transaction (whether\nlegal or illegal). Also, your Card and Credit Account may be used only for valid\nand lawful purposes. If you use, or allow someone else to use your Card or\n\n\x0c'