b'Credit Disclosures\n\nInterest Rate and Interest Charges\nVariable Annual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\n\nAPR for Cash Advances\nPaying Interest\n\nCredit Card Tips from the Consumer\nFinancial Protection Bureau\nMinimum Interest Charge\n\n0% Introductory APR for 6 months, from the date the account is opened.\nAfter that your APR will be a variable rate of 9.99% - 23.99%\nbased on your credit worthiness. This APR will vary with the market based\non the Prime Rate.\n0% Introductory APR for 6 months, from the date the account is opened.\nAfter that your APR will be a variable rate of 9.99% - 23.99% based on\nyour credit worthiness. This APR will vary with the market based on the\nPrime Rate.\n19.99% - 23.99% This APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest\non balance transfers and cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nNone\n\nFees\nAnnual Fee\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nOver-the-Credit Limit\nReturned Payment\n\nNone\nNone\nEither $10 or 3% of the transaction amount, whichever is greater.\n3% of each transaction in U.S. dollars.\nUp to $35\nNone\nUp to $35\n\nHow we will calculate your balance: We will use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d If you accept this\noffer, you will receive a New Account Agreement which will define\nthis method.\nHow your rate is determined: Your rate is determined by adding the\nfollowing margins as applicable to the Prime Rate as published in The\nWall Street Journal as of the fifteenth day of the month prior to your\nAccount Statement closing date; Purchases 6.74% - 20.74% plus Prime\nRate, Balance Transfers 6.74% - 20.74% plus Prime Rate, Cash Advances\n16.74% - 20.74% plus Prime Rate depending on your credit worthiness\nat the time your account is opened.\nMinimum Payment Calculation: The monthly payment amount will\nbe 2.5% of the account balance on the last day of the billing cycle, or\n$20, whichever is greater.\nBilling Error Rights: Information on your rights to dispute\ntransactions and how to exercise those rights is provided in your\naccount agreement.\nLoss of Introductory APR: We may end your Introductory APR and\napply the Standard APR if you make a late payment or as defined in the\nCard Agreement.\nThe information about the cost of the card described in this\napplication is accurate as of May 1, 2020. This information may have\nchanged after that date. To find out what may have changed, write to\nus at Great Western Bank, Attn: Credit Card Operations, PO Box 2345,\nSioux Falls, SD 57101-2345.\n\nADDITIONAL DISCLOSURES AND TERMS & CONDITIONS\nI am applying to Great Western Bank for a credit card account.\nTo qualify, I understand:\n\xe2\x80\xa2 \x07Approval is based upon satisfying Great Western Bank\xe2\x80\x99s\ncredit standards.\n\xe2\x80\xa2 \x07I must be at least 18 years of age (19 in Alabama and 21 Puerto\nRico) and have a valid social security number, unless otherwise\nspecified, as required to satisfy the minimum legal contracting\nage of my state.\n\xe2\x80\xa2 \x07I may be ineligible if I have responded to a previous offer for a\ncredit card issued by Great Western Bank within the last 45 days\nor if I have been approved for a previous Great Western Bank\ncredit card offer.\n\xe2\x80\xa2 \x07\x07I must meet the minimum income requirements.\nWith respect to this offer, I acknowledge that:\n\xe2\x80\xa2 \x07I authorize Great Western Bank to check my credit and\nemployment history and to answer questions about its\ncredit experience with me.\n\xe2\x80\xa2 \x07If I am approved, Great Western Bank may contact me from\ntime to time regarding my credit card.\n\xe2\x80\xa2 \x07I will receive the Great Western Bank Customer Agreement\nand am bound by its terms and all future revisions.\n\xe2\x80\xa2 \x07If approved, this offer is nontransferable and void to residents\nof GU, PR, VI and other U.S. dependent areas.\n\xe2\x80\xa2 \x07The terms of this offer may not be applied to existing Great\nWestern Bank accounts.\n\xc2\xa92020, Great Western Bank | Page 1 of 2\n\n\x0c\xe2\x80\xa2 G\n\x07 reat Western Bank will retain my application whether or not\nI am approved for an account.\n\xe2\x80\xa2 \x07The exact amount of my credit line will be determined by\nGreat Western Bank after review of my application and\nother information.\n\xe2\x80\xa2 \x07Certain restrictions apply to the card benefits in this offer.\n(Full details will be mailed to you upon approval.)\n\xe2\x80\xa2 \x07Everything that I have stated in this application is correct\nto the best of my knowledge.\n\xe2\x80\xa2 This is not a business account.\n\xe2\x80\xa2 If I fail to fulfill the terms of my credit obligations, you may\nsubmit a negative credit report reflecting on my credit record\nto a credit reporting agency.\nIf I complete the authorized user section of the application, I\nunderstand that I am responsible for all charges made by the\ndesignated authorized user and anyone they allow to use an\naccount, and are subject to the terms of the account agreement.\nBALANCE TRANSFER IMPORTANT INFORMATION\nBalance transfers are contingent upon issuance of your account with\nus. Balance transfers will be applied to your account and sent to your\ndesignated payee(s) after your account is opened. Each transfer will\nreduce your available credit just like any other transaction. You will\nsee a payment for the amount transferred on the statement from your\nother accounts. It may take up to three weeks to set up your new\naccount with us and process the balance transfer(s), so you may still\nneed to make payments to your other accounts to keep them current.\nThere is no fee for balance transfers. We will begin charging you\ninterest on balance transfers on the transaction date. We may decline\nto process any full or partial balance transfer request(s), depending on\nthe credit line assigned to your credit card account. In the event that\nyour request(s) exceed the amount we approve to process, we will\nfulfill your requests in the numeric order listed on your application. We\nmay not use your total credit access line (the revolving portion of your\ntotal credit line)/credit line when honoring balance transfers. Balance\nTransfers may not be used to pay off or pay down any account issued\nby Great Western Bank.\nDEPARTMENT OF DEFENSE CONSUMER CREDIT DISCLOSURE\nFederal law provides important protection to members of the Armed\nForces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: the costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees\nfor a credit card account). For verbal delivery of this disclosure, please\ncontact us at 1.855.594.3254.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING\nFOR OR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to\nobtain, verify and record information that identifies each person who\nopens an account.\nWhat this means for you: When you apply for or open an account, we\nwill ask for your name, address, date of birth and other information\nthat will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s\nlicense or other identifying documents.\n\nSTATE-SPECIFIC INFORMATION\nCalifornia Residents: Applicants 1.) may, after credit approval, use the\ncredit card account up to its credit limit; 2.) may be liable for amounts\nextended under the plan to any joint applicant.\nOhio Residents: Ohio anti-discrimination laws require creditors to\nmake credit equally available to all credit worthy customers and\nthat credit reporting agencies maintain separate credit histories\non individuals upon request. The Ohio Civil Rights Commission\nadministers these laws.\nNew York and Vermont Residents: Great Western Bank may obtain\nat any time your credit reports, for any legitimate purpose associated\nwith the account or the application or request for an account,\nincluding but not limited to reviewing, modifying, renewing and\ncollecting on your account. On your request, you will be informed\nif such a report was ordered. If so, you will be given the name and\naddress of the consumer reporting agency furnishing the report.\nNew York residents may contact the New York State Department of\nFinancial Services (1.800.342.3736) for a comparative list of credit card\nrates, fees and grace periods.\nMarried Wisconsin Residents: No provision of any marital property\nagreement, unilateral statement, or court order applying to marital\nproperty will adversely affect a creditor\xe2\x80\x99s interests unless, prior to\nthe time credit is granted, the creditor is furnished with a copy of\nthe agreement, statement or court order, or has actual knowledge\nof the provision.\nPlease retain this information for your records.\n\xc2\xa92019 Great Western Bank. Great Western Bank is a federally registered\nservice mark. All rights reserved. Products and services offered by Great\nWestern Bank, Member FDIC. Great Western Bank supports information\nprivacy protection: see our website at www.GreatWesternBank.com\nTHE GREAT WESTERN REWARDS PROGRAM\nYour Great Western Rewards are earned as points, which can be\nredeemed for merchandise, travel or cash back. You will earn 1 point\nfor every $1.00 spent on net purchases (defined as purchases minus\nany returns). You may redeem rewards as long as your account is in\ngood standing (not delinquent, in default, canceled or closed).\nYou will not earn points on balance transfers, cash advances or\ncash-like charges such as traveler\xe2\x80\x99s checks, foreign currency or money\norders, any checks that are used to access your account, overdraft\nadvances, interest, unauthorized or fraudulent charges, or fees of any\nkind, including fees for products that protect or insure the balances\non your account.\nThere is no maximum account threshold to the number of points that\nyou can accumulate and points do not carry an expiration date for the\nprogram as long as your account is open and in good standing.\nYou will earn bonus double points on select purchases identified\nby Great Western Bank based on a calendar set for the program.\nBonus point accumulation and communication will be located\non your monthly Great Western Bank credit card statement.\nYou may also access your bonus point information at\nwww.GreatWesternBank.com/ConsumerRewards or by\ncalling 1.855.594.3254.\nGreat Western Bank reserves the right to change the terms and\nconditions of our rewards program at any time.\n\n\xc2\xa92020, Great Western Bank | Page 2 of 2\n\n\x0cGREAT WESTERN BANK\nACCOUNT AGREEMENT\nACCEPTANCE\nThis Account Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d) includes this document, as well as any credit disclosures you\nreceived with your application or other marketing materials or Offer Materials you have or will receive which are\nincorporated herein, as well as the Credit Disclosures that provide in a summary table important Interest Rates\nand Interest Charges, as well as Fees and summary disclosures (\xe2\x80\x9cCredit Disclosures\xe2\x80\x9d) governing your credit\ncard account (\xe2\x80\x9cAccount\xe2\x80\x9d). You promise to pay for all transactions, INTEREST CHARGES and fees, including\nlate payment fees, and all other charges provided in this Agreement that you (or anyone you allow to use your\nAccount) incur and are assessed on your Account, together with past due amounts, if any. This Agreement is\nbinding if you use your Account or make a payment on it. If you have a Account that was approved with a\nprimary applicant and a cosigner (a \xe2\x80\x9cJoint Account\xe2\x80\x9d), either, or both of you are jointly, and separately /\nindividually bound by this Agreement. Under the Joint Account, each of you is responsible for payment of the\nentire amount owed to us. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Great Western Bank, which is the issuer of\nyour credit card and lender for your Account. The words \xe2\x80\x9cCardmember,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean\neveryone responsible for this Account, including the person(s) who applied for the Account and the person(s)\nto whom we provide the Account Statements. Cardmembers do not include \xe2\x80\x9cAuthorized Signers\xe2\x80\x9d that have\nbeen authorized by a Cardmember or Cardmembers of a Joint Account to use the Card. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans each card or other access device, such as Account numbers, that we give you to use your Account.\nReview carefully this Agreement and the Credit Disclosures in the enclosed letter/card carrier, as the same\nmay be revised from time to time as provided in this Agreement.\nBINDING ARBITRATION: THIS ACCOUNT AGREEMENT CONTAINS AN ARBITRATION PROVISION\nTHAT SUBSTANTIALLY LIMITS YOUR RIGHT TO BRING A LEGAL ACTION, INCLUDING CLASS\nACTIONS, IN A JUDICIAL FORUM (EXCEPT FOR MATTERS THAT MAY BE BROUGHT IN SMALL\nCLAIMS COURT AS SET FORTH HEREIN), UNLESS OTHERWISE PROHIBITED BY LAW. SEE\nPARAGRAPH \xe2\x80\x9cARBITRATION PROVISION\xe2\x80\x9d HEREUNDER FOR COMPLETE DETAILS.\nACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT\nPersonal Use \xe2\x80\x93 You may use the Account only for personal, family or household purposes. Federal or state\nconsumer protection laws may not apply if you use the Account for other than personal, family or household\npurposes.\nAuthorized Users \xe2\x80\x93 You agree not to allow access to your Card, Account number, Convenience Checks (if\navailable), or personal identification number (PIN) to anyone else to use your Account, except by asking us to\nissue a Card to grant Account access to another person. If you allow access to your Card or Account\ninformation, you will be liable for any charges made by that person, unless and except as expressly required by\napplicable law. You agree to be responsible for all Account transactions made by a Cardmember, or anyone\nwho you have authorized by (1) asking us to issue a Card to grant Account access to another person; (2)\nlending your Card to or allowing Account access by another person; or (3) any other way in which you would\nbe legally considered to have allowed another person to use your Account or to be legally prevented from\ndenying that you did so. Be cautious when allowing another person to become an authorized user of your\nAccount; once you allow authority to any authorized user you cannot limit that authority unless the Account is\nclosed to future transactions. Cardmembers must call or write us with any request to cancel and remove an\nAuthorized Signer or other person\xe2\x80\x99s authority. We will not provide any Account information to anyone other\nthan Cardmembers. Authorized Signers or other individuals you authorize will have no right to make any\nAccount changes, have no access to Account information, will be unable to redeem benefits through the\nrewards program, and will not be able to make inquiries.\nCredit Limit \xe2\x80\x93 The Account Credit Limit is the maximum amount of credit available under the Account at any\ntime. Under certain circumstances, your Account may exceed the Credit Limit and you will be responsible for\nthe full amount of the Credit Limit as well as any amounts owed that exceed the Credit Limit. We do not have a\nfee if you exceed the Credit Limit, but you will be responsible for paying any other fees on amounts exceeding\nthe Credit Limit, including INTEREST CHARGES. You may not request or obtain additional advances or\nBalance Transfers once you have reached your Credit Limit. The initial Credit Limit is shown on the Card\ncarrier and your available Credit Limit will also appear on your monthly Account Statements. We reserve the\n\n\x0cright to review your Account at any time and increase or decrease your Credit Limit after providing notice\npursuant to applicable law. Joint Accounts will require both Cardmembers to agree to Credit Limit increases.\nYou may not increase your Credit Limit by carrying credit balances over the Credit Limit we make available to\nyou.\nPurchases \xe2\x80\x93 You may use the Account to buy, lease or otherwise obtain goods or services from participating\nmerchants (including transactions you initiate by mail, telephone or over the Internet), or take advantage of\nspecial promotional Balance Transfer offers that post as Purchase transactions (\xe2\x80\x9cPurchases\xe2\x80\x9d). We will, in\nconnection with any promotional offer we make from time to time, provide information on your Card carrier,\npromotional documentation, marketing, additional disclosures, or in other additional materials (the \xe2\x80\x9cOffer\nMaterials\xe2\x80\x9d) that explain whether those transactions will post and clarify in what situations such transactions will\nbe treated as a Purchase. Even if you have not signed a sales draft or the merchant has not supplied you with\na written receipt or other proof of sale, you are responsible for all Purchases made through your Account,\nexcept as expressly limited by applicable law (see Your Billing Rights section below for more details).\nCash Advances \xe2\x80\x93 Transactions other than Purchases that allow you direct access to funds available through\nyour Account are Cash Advances. Cash Advances may include Account transactions such as Cash Advances\nyou obtain directly from us, automated teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) or other participating financial institutions.\nCash Advances also include Cash Advances you request at a bank or other type of financial institution, third\nparty phone (automated phone system or customer service assisted) and internet transfers. Note, additional\nsurcharge fees may apply if you use another financial institution\xe2\x80\x99s ATM for the Cash Advance. Unless\notherwise specified in marketing materials you receive with promotional materials, Cash Advances also include\nBalance Transfers, wire transfers, transactions using Convenience Checks, using your Card to obtain a\ntraveler\xe2\x80\x99s check, or certain lottery/betting transactions. Monthly Account Statements we issue may refer to\nCash Advances as an Advance, Cash, Cash Advances, or by the product or device you used to obtain an\nCash Advance. Refer to the Credit Disclosures for details on Cash Advance Fees.\nConvenience Checks \xe2\x80\x93 From time to time, in our own discretion we may supply Convenience Checks for use\nby the person(s) or drawer named on those checks. \xe2\x80\x9cConvenience Checks\xe2\x80\x9d are drafts that look like other\nchecks, but are drawn on credit available in your Account. Convenience Checks may not be offered for all\nAccount types. We will, in connection with any Convenience Check we provide, include Offer Materials that will\nexplain whether the Convenience Check will post and be treated as a Cash Advance or as a Balance Transfer,\nand any fees associated with use of the Convenience Check. Convenience Checks must be written in U.S.\nDollars. We may return a Convenience Check unpaid if: (1) the credit available under your Credit Limit is less\nthan the Convenience Check amount; (2) the Account is in Default; or (3) the Convenience Check is improperly\nendorsed or otherwise fails to conform to our regularly accepted standards for check acceptance. Convenience\nChecks may not be used to pay your Account or any obligation you owe us or our affiliates.\nPaying And Stopping Payment On Convenience Checks \xe2\x80\x93 You must write to us or call to request that\npayment be stopped on a Convenience Check. You must call us promptly with an oral stop payment request\nand then provide us with a written confirmation of the stop payment request within 14 calendar days. Any\nwritten stop payment request we receive will remain in effect for 6 months, unless you renew the request in\nwriting before the end of that time. We may pay Convenience Checks more than 6 months old. There may be\ncircumstances under which a Convenience Check must be paid, even if we have received a stop payment\nrequest from you. We will not be liable to you if we do not honor your stop payment request under those\ncircumstances. If it is determined that a Convenience Check should have been paid, but was not, we will not\nbe liable for any consequential, punitive or incidental damages if we acted in good faith. Our only obligation\nunder those circumstances will be to pay the designated payee the amount of the Convenience Check and\ncancel any charges assessed against your Account as a result of any wrongful failure to honor the\nConvenience Check. Please review carefully the Offer Materials identifying fees and charges on any future\npromotions.\nBalance Transfers \xe2\x80\x93 We may permit you to transfer balances and obligations that you owe other companies\nor financial institutions to your Account, subject to the terms and conditions disclosed in the Offer Materials\n(\xe2\x80\x9cBalance Transfers\xe2\x80\x9d). Balance Transfers will post to your Account and be separately reflected on monthly\nAccount Statements as a Balance Transfer, or, depending upon the offer, may post to the Account and be\n\n\x0ctreated as a Purchase or an Advance. We will, in connection with any Balance Transfer offer we make, provide\nyou with materials that explain how the Balance Transfer will post to your Account and be reflected on monthly\nAccount Statements. You may not request Balance Transfers on existing obligations you owe us or our\naffiliates. If you request a Balance Transfer that would cause your Account to exceed its Credit Limit, we may,\nat our option, (1) post the entire Balance Transfer requested to your Account; (2) post only a portion of the\nBalance Transfer requested to your Account up to the amount of credit available under the Credit Limit; or (3)\nrefuse to process the entire amount of the Balance Transfer requested.\nUsing Your Card for International Transactions \xe2\x80\x93 You may use your Card for retail Purchases at foreign\nmerchants and for cash withdrawals from foreign ATMs. Some merchant and ATM transactions, even if you\nand/or the merchant or ATM are located in the United States, are considered foreign transactions under the\napplicable rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in the\nCredit Disclosures to those transactions. We do not control how these merchants, ATMs, and transactions are\nclassified for this purpose. The exchange rate in effect when the transaction is processed may differ from the\nrate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you\nengage in a Transaction in a currency other than U.S. Dollars using a Visa card, then Visa International will\nconvert the charge into a U.S. Dollar amount. The exchange rate between the transaction currency and the\nbilling currency used for processing international transactions is either (a) a rate selected by Visa from the\nrange of rates available in wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable\ncentral processing date. The currency conversion rate for the processing date may differ from the rate in effect\non the date of the transaction or the date the transaction is posted to your billing statement.\nSome merchants outside of the United States offer cardholders the option of having card transactions\nconverted to U.S. Dollars by the merchant itself. If this option is chosen, the currency conversion rate is\ndetermined solely by the merchant involved in the transaction, and no Foreign Transaction Fee INTEREST\nCHARGE is charged by the Bank for the Transaction.\nINTEREST CHARGES\nINTEREST CHARGES \xe2\x80\x93 INTEREST CHARGES reflect the cost of credit. Your total INTEREST CHARGE for\nany billing cycle will equal the amount of any (a) periodic rate INTEREST CHARGES (sometimes referred to\nas \xe2\x80\x9cinterest\xe2\x80\x9d in this Agreement and on monthly Account Statements); (b) Cash Advance Fees; and (c) any\nother transaction fees that are considered INTEREST CHARGES.\nStandard Versus Standard Variable Rates \xe2\x80\x93 The Credit Disclosures will indicate whether your account is\nsubject to Standard or Standard Variable rates, or a combination of Standard and Standard Variable rates.\nPlease review those disclosures carefully. The terms of those disclosures are incorporated by reference into\nthis Agreement.\nStandard Variable Rates \xe2\x80\x93 If your Account is subject to Standard Variable Rates, the standard periodic rate(s)\nis a variable rate(s) based on the \xe2\x80\x9cIndex Rate\xe2\x80\x9d plus the applicable \xe2\x80\x9cMargin\xe2\x80\x9d. For each billing period, the \xe2\x80\x9cIndex\nRate\xe2\x80\x9d will be equal to the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one,\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d column of The Wall Street Journal as of the 15th day of the month prior to your\nAccount Statement closing date (subject to any minimum APRs that may be applicable to your Account). If the\nU.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will\nselect a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. Please see\nthe Credit Disclosures for the amount of the \xe2\x80\x9cMargin\xe2\x80\x9d on Purchases and the \xe2\x80\x9cMargin\xe2\x80\x9d on Cash Advances as\nwell as the Daily Rates and corresponding ANNUAL PERCENTAGE RATES as applicable to your Account.\nThis disclosure will also indicate whether there are any minimum APRs applicable to your account. If\napplicable, the rates for Purchases and Cash Advances will not decrease below the stated minimum APRs\nregardless of changes to the Index Rate.\nThe Daily rates are calculated by adding the applicable \xe2\x80\x9cMargin\xe2\x80\x9d to the Index Rate, and dividing that sum by\n365. This calculation produces the Daily Variable Rates. The Daily Variable Rates will increase or decrease as\na result of increases or decreases in the Index Rate. An increase or decrease in the Daily Variable Rates may\nresult in an increase or decrease in the amount of your minimum monthly payment. An increase or decrease in\n\n\x0cthe Daily Variable Rates will also increase or decrease the total amount of Interest you pay on your account. If\nour calculation results in a change to the Daily Variable Rate due to a change in the Index Rate, the new rate\nwill apply as of the first day of your billing period in which we made the calculation. Any changes in the Daily\nVariable Rates will apply to both existing and future balances on your Account, and the Daily Variable Rates\nwill continue to vary even if your Account is closed.\nStandard Rates \xe2\x80\x93 If your Account is subject to Standard Rates, the Credit Disclosures will indicate the rate(s)\napplicable to the type(s) of balances on your Account. Please refer to the Credit Disclosures for the Standard\nDaily Rates and corresponding ANNUAL PERCENTAGE RATES for Purchases and/or Cash Advances\napplicable to your account.\nThe INTEREST CHARGE is calculated separately for Purchases and Advances. The INTEREST CHARGE is\ndetermined by multiplying the Average Daily Balance by the Daily Variable Rate or the Standard Daily Rate (as\napplicable) and by the number of days in the billing cycle.\nThe Average Daily Balance for Purchases is obtained by taking into account the initial daily balance on\nPurchases, plus any new Purchases, and any other fees and charges that we add that day, minus any\npayments and credits we apply to the Purchase balance that day and any unpaid INTEREST CHARGES on\nPurchases. Then all the daily balances within the billing cycle are added and the total is divided by the number\nof days in the billing cycle. New Purchases are added to the daily balance on posting date, unless we elect to\nuse a later date. Purchases will begin to accrue INTEREST CHARGES on the date of posting. No INTEREST\nCHARGE will be imposed on a Purchase added to your daily balance during the billing cycle covered by the\nAccount Statement if that Account Statement shows no previous balance or shows that the previous balance\nwas paid in full by its payment due date. Also, no additional INTEREST CHARGE will be charged on any\nPurchases included in the new balance of a monthly Account Statement if you pay the new balance in full on or\nbefore the date specified in your Account Statement. The payment due date will be 21 days or more,\ndepending upon the payment due date on your Account.\nThe Average Daily Balance for Advances is obtained by taking into account the initial daily balance on\nAdvances, plus any new Advances, and any other Advance fees that we add that day, minus any payments\nand credits we apply to the Advance balance that day and any unpaid INTEREST CHARGES on Advances,.\nThen all the daily balances within the billing cycle are added and the total is divided by the number of days in\nthe billing cycle. The INTEREST CHARGE on Advances, Balance Transfers and Convenience Checks will be\nimposed from the date the transaction is conducted. There is no grace period for such transactions.\nPlease refer to the accompanying Credit Disclosures for other terms which are made a part of this Agreement.\nWe do not have a minimum INTEREST CHARGE.\nIntroductory and Promotional Rates \xe2\x80\x93 We may, at our option, offer you for a limited time introductory or\npromotional interest rates for all or part of new Purchase, Advance, or Balance Transfers posted to your\nAccount. We will tell you in the Offer Materials the introductory or promotional rate and the period of time\nduring which that rate will be in effect and any conditions or requirements of the offer. Unless the Offer\nMaterials state otherwise, an introductory or promotional rate will remain in effect until the last day of the billing\ncycle in which the introductory or promotional rate expires. Upon expiration, any introductory or promotional\nrate that applies to new or outstanding Account balances will increase to the standard rate that would\notherwise apply.\nACCOUNT FEES\nAnnual Fee \xe2\x80\x93 The Account has no Annual Fee.\nLate Payment Fee \xe2\x80\x93 We may add a Late Payment Fee to the Purchase balance of the Account if your\nMinimum Payment is not received by the Payment Due Date shown on the monthly Account Statement. Under\nno circumstances will your Late Payment Fee or Returned Payment Fee ever be greater than your Minimum\nPayment due.\n\n\x0cReturned Payment Fee \xe2\x80\x93 We may add a Returned Payment Fee to the Purchase balance of the Account if\nany payment on the Account is not honored or if we must return it to you because it cannot be processed. A\ncheck that is returned unpaid will be sent for collection.\nDuplicate Documentation Fee \xe2\x80\x93 We may charge you a Duplicate Documentation Fee to the Purchase\nbalance of the Account for copies of a monthly Account Statement, sales slip, refund slip, or Advance slip that\nyou request. There will be no charge for documentation requests made in connection with a billing error notice,\nif our investigation indicates a billing error occurred.\nAssisted Payment Fee \xe2\x80\x93 We may add a service charge to the Purchase balance of the Account if you call us\nto make an expedited payment on your Account and are assisted by a Cardmember Service Representative to\nmake the payment, in the amount of $10.00. You will be provided with confirmation of the service charge\nbefore the payment transaction is authorized.\nStop Payment Fee \xe2\x80\x93 In the event we offer a promotional Convenience Check product and you request a stop\npayment of the Convenience Check we have offered, we may add a Stop Payment Check Fee to the Purchase\nbalance of your Account. (See \xe2\x80\x9cPaying and Stopping Payment on Convenience Checks\xe2\x80\x9d section above, as well\nas disclosures provided in future Offer Materials for more details and fees, if any, related to stop payments of\nConvenience Checks.)\nTRANSACTION FEES \xe2\x80\x93 You agree to pay the following transaction fees and INTEREST CHARGES:\n(1) We may add a Cash Advance Fee INTEREST CHARGE to the Advance balance of the Account for each\nAdvance you obtain during a billing cycle in addition to the interest that accrues on Advances. The Cash\nAdvance Fee imposed will equal the greater of either a percentage of each Cash Advance or the minimum\ndollar amount, subject to the maximum dollar amount.\n(2) During certain promotions, certain Balance Transfers may be subject to a Balance Transfer Fee INTEREST\nCHARGE to the Purchase balance of the Account except where Offer Materials specify otherwise. See future\nOffer Materials provided during such promotions, regarding how this fee will be applied.\n(3) We may add a Convenience Check Fee INTEREST CHARGE to the Cash Advance balance of your\nAccount except where Offer Materials specify otherwise. See future Convenience Check Offer Materials\nprovided during such promotions, regarding how this fee will be applied.\n(4) Foreign Transaction Fees will apply in certain circumstances. See the Using Your Card for Foreign\nTransactions paragraph for more information.\nACCOUNT PAYMENTS\nMinimum Payment \xe2\x80\x93 Each month, you must pay at least the Minimum Payment and any past due Minimum\nPayment(s) by the Payment Due Date shown on your monthly Account Statement. You may, at your option,\npay more than the Minimum Payment or pay the New Balance (as stated on your monthly Account Statement)\nin full to reduce or avoid the INTEREST CHARGE for the Account.\nYour Minimum Payment will be calculated as follows: first we determine the \xe2\x80\x9cBase Minimum Payment,\xe2\x80\x9d which\nis the greater of $20.00 or 2.5% of your New Balance. To the Base Minimum Payment, we may add one or\nmore of the following items, as incurred on your Account: (1) any late, annual and/or any other Account related\nfee, (2) the INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of the balance\namount over your Credit Limit. If the resulting Minimum Payment is greater than $20.00, the total is then\nrounded to the next highest dollar not to exceed your New Balance. Any Minimum Payment or additional\namount you pay each month will not prepay any future Minimum Payments required, or change your obligation\nto make at least a Minimum Payment by the Payment Due Date. Our Minimum Payment may be adjusted as\nnecessary to comply with state or federal regulations applicable to your account.\nPayment Instructions \xe2\x80\x93 All payments by mail must be made by check or money order. We will also accept\npayment in U.S. Dollars via the Internet or phone or previously established automatic payment transaction.\nPayments may not be made by attempting to effect a transfer or by using a Convenience Check from this\nAccount or from any other Great Western Bank credit card account. You agree that any payment you make\nmay be, but is not required to be, returned to you without applying it to your Account and without presentment\nor protest, for reasons including, but not limited to, that the check or money order: (1) is missing a signature;\n\n\x0c(2) is drawn with different numeric and written amounts; (3) contains a restrictive endorsement; (4) is post\ndated; (5) is not payable to Great Western Bank; (6) is not payable in U.S. Dollars; (7) is not paid upon\npresentment; or (8) results from an attempted transfer or is drawn on a Convenience Check. You agree to pay\nany collection fees we incur for any check payments made in U.S. Dollars drawn on a financial institution not\nlocated in the United States. All payments made by mail under this Agreement must be received at the address\nspecified on your Account Statement. We reserve the right to reject any payment that is not drawn on the U.S.\nPost Office or a financial institution that is not located in the United States.\nYou authorize us to collect any payment check either electronically or by draft. We can collect your payment\nchecks electronically by sending the check number, check amount, account and routing numbers to your bank.\nOr we can collect these checks by sending a draft drawn on your bank account. Funds may be taken from your\nbank account on the same day we receive your payment. We will not keep your original check, just a copy of it.\nAny conditional check, money order or any other instrument tendered as full satisfaction of a disputed debt or\nas an accord and satisfaction or containing a restrictive endorsement must be sent to us at Great Western\nBank, Cardmember Service Center, P.O. Box 3587, Omaha, NE 68103-0587. You must note conspicuously on\nthe face of the payment that it is tendered for this purpose. If you make a payment in any other manner and we\naccept it, we will not have waived our rights to collect any amounts owed under this Agreement. Even though\nyour payment may be posted to your Account, we may not restore your available credit or Cash Advance\navailable credit immediately.\nCrediting of Payments and Cutoff Times \xe2\x80\x93 The date you mail a payment is different than the date we\nreceive that payment. For purposes of this Agreement, the payment date is the day we receive your check or\nmoney order at the address specified on your monthly Account Statement or the day we receive your\nelectronic or phone payment. If you mail your payment without a payment coupon or to an incorrect address, it\nmay result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible\nsuspension of your Account. Your payment will be credited as of the day we receive it, subject to any\napplicable cutoff hour. The cutoff time for payments received by mail, telephone and other electronic means is\n5:00 p.m. Central Time. Payments received by 5:00 p.m. Central Time, Monday through Friday, will be\nprocessed the same day. Online payments received on Saturday, Sunday or a Bank holiday will be processed\nthe next business day. If the payment is made at one of our branches during business hours in cash or with a\ncheck drawn against us, it will be processed the same day, up to 5:00 p.m. Central Time Credit for any other\npayments may be delayed five (5) business days during which interest will not accrue. If your payment due\ndate falls on a weekend or legal federal holiday, the payment received will be credited to the account on the\nnext business day and will not be considered late. If your payment is received after the payment cutoff time on\nthe due date or any time thereafter, a Late Payment Fee will be charged to your Account.\nApplication Of Payments \xe2\x80\x93 If you pay the required Minimum Payment of the monthly Account Statement, the\npayment shall be applied in the following way: first to FEES, then to INTEREST, and the rest shall be applied\nfirst to the debt resulting from Purchases and Cash Advances, with the lowest APR and then to the debt with\nthe higher APR in ascending order. Consequently, the debt with the higher APR will not be reduced, until the\ndebt with the lower APR is paid in full. If you pay an amount in excess of the minimum required payment, the\nexcess shall be applied first to the debt resulting from Purchases and Cash Advances with the highest APR\nand then to the debt with the lowest APR in descending order.\nSkip Payment Option \xe2\x80\x93 We may, at our option, occasionally offer you an opportunity to skip your obligation to\nmake the Minimum Payment due. You may not skip payments unless we make this offer to you. If we offer you\nan opportunity to skip a payment more than once in a 12 month period, you will not be permitted to skip\npayments required in consecutive months. You cannot accept a skip payment offer if your Account is\ndelinquent, or is in Default. When you take advantage of a skip payment offer, the interest will continue to\naccrue on the entire unpaid balance of your Account.\nCredit Balances \xe2\x80\x93 You may request a refund of any credit balance at any time. Otherwise, we will apply it to\nany new charges on your Account or provide the refund to you as required by law. If refund to any credit\nbalance sent to you remain uncashed or unclaimed, the Bank may need to report it to the unclaimed property\ndivision in the state where the Account is, based on that state\xe2\x80\x99s unclaimed property laws.\n\n\x0cIMPORTANT ACCOUNT INFORMATION\nMonthly Account Statement \xe2\x80\x93 We will provide you a monthly Account Statement at the end of each billing\ncycle in which you have a balance in excess of $1 or a credit balance in excess of $0.99. Unless you have\nelected to receive such materials electronically, your monthly Account Statements and notices about your\nAccount will be sent to the address you provided in your application or your response to our Account\nsolicitation. To change your address, you must call or write to us. We must receive this information 21 days\nbefore the date a billing cycle closes to provide your monthly Account Statement at your new address. If you\nhave an address change within 45 days of the expiration date of your Card(s), please contact Cardmember\nService with your new address so your new Card(s) can be mailed to your new address.\nResponsibility to Pay \xe2\x80\x93 You agree to pay us for all Purchases, Cash Advances, Balance Transfers,\nINTEREST CHARGES, Account Fees and charges, any other transaction charges as provided in this\nAgreement and, to the extent permitted under applicable law, attorneys fees and collection costs we incur\nenforcing this Agreement against you. This is the case even if your Account is only used by one of you, or is\nused by someone authorized by only one of you. If there is more than one Cardmember, each of you is\nresponsible, together and separately, for the full amount owed on your Account. Your obligation to pay the\nAccount balance continues even though an agreement, divorce decree, court judgment, or other document to\nwhich we are not a party may direct another person responsible to pay the Account.\nDefault And Termination Of Credit Privileges \xe2\x80\x93 You will be in default under this Agreement (\xe2\x80\x9cDefault\xe2\x80\x9d) upon:\n(1) your failure to make at least the Minimum Payment by the date specified on your Account Statement; (2)\nyour violation of any other provision of this Agreement; (3) your death; (4) your becoming the subject of\nbankruptcy or insolvency proceedings; (5) you or your property becoming the subject of attachment,\nforeclosure, repossession, lien, judgment or garnishment proceedings; (6) your failure to supply us with any\ninformation we reasonably deem necessary; (7) your supplying us with misleading, false, incomplete or\nincorrect information; (8) our receipt of information that you are unwilling or unable to perform the terms and\nconditions of this Agreement; (9) our receipt of information from third parties, including credit reporting\nagencies, which indicates a serious delinquency or charge-off with other creditors; or (10) your moving out of\nthe U.S. After your Default, your Account balance will continue to accrue INTEREST CHARGES at the contract\nrate. Balances outstanding under this Agreement when your credit line is reduced or terminated will continue to\naccrue INTEREST CHARGES until paid in full and subject to all terms and conditions of this Agreement. Upon\ndefault, we have the right to terminate or suspend your credit privileges under this Agreement, to change the\nterms of your Account and this Agreement, may require you to pay your entire Account balance including all\naccrued but unpaid charges immediately as permitted by law and to sue you for what you owe. We may waive\nor delay enforcing any of our rights as to one person under this Agreement without affecting the obligation of\nany other person. If this is a Joint Account, a default by one of you will be a default by all of you. You will pay\nour court, reasonable attorney\xe2\x80\x99s fees and other collection costs related to the default to the extent permitted by\napplicable law. Upon default, we will apply your payments first to attorneys\xe2\x80\x99 fees and then in the order set forth\nunder Application of Payments. We may continue to impose INTEREST CHARGES after default (including\ncharge-off).\nChanges to your Account \xe2\x80\x93 Account and Agreement terms are not guaranteed for any period of time; we\nmay change the terms of your Agreement, including APRs and fees, in accordance with applicable law and the\nterms of your Agreement, after notice to you. Your transactional experience with us may also cause a change,\nincluding an increase in the margin that is added to the Prime Rate, an increase in fees, or a decrease in the\nCredit Limit. Factors considered in determining the increased rate or Credit Limit decrease may include your\ngeneral credit profile, existence, seriousness and timing of the defaults under any agreement that you have\nwith us, and other indications of the Account usage and performance. We currently do not charge a penalty\nAPR, and we will give you the written notice of any such change in the manner required by law if we should\nadd a penalty APR. Any Agreement changes to APRs and fees will apply to all new Account balances you owe\nunder your Account as of the effective date indicated in the notice or otherwise permitted by applicable law. All\nother Agreement changes will apply to all new and outstanding Account balances you owe under your Account\nas of the effective date indicated in the notice or otherwise permitted by applicable law. If you do not want to\naccept the changes, you must provide us with written notice at the address contained in the change in terms\nnotice no later than 25 days after the effective date of the change. In this case, we will close your Account and\n\n\x0cpermit you to pay off the outstanding Account balances in full at that time or under the terms of your existing\nAgreement. You will have accepted any proposed change if your Account is used after the effective date of the\nchanged terms, even if 25 days has not elapsed after any such effective date.\nCard Renewal \xe2\x80\x93 Cards are issued with an expiration date. We have the right not to renew your Card for any\nreason.\nLost Or Stolen Cards And/Or Convenience Checks (if available); Unauthorized Use \xe2\x80\x93 If you notice the loss\nor theft of your Card or a possible unauthorized use of your Account, you should write to us immediately at:\nGreat Western Bank, P.O. Box 2345, Sioux Falls, SD 57101-2345 or call us at 1-855-594-3254. You will not be\nliable for any unauthorized use of your Account. If this happens, we will ask you and all other persons given\nAccount access to return all Cards and unused Convenience Checks to us. In addition, we have the right to\nclose your Account and open a new Account. If we do so, new Cards will be issued. If requested, we may\nissue a new PIN and new Convenience Checks (if available) for your new Account.\nCancellation \xe2\x80\x93 We may cancel your Account or suspend your ability to obtain Account credit immediately,\nwithout notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by\nproviding notice to you. You may cancel your Account by notifying us by telephone or in writing. If you have a\nsecured Account, your termination request must be made in writing. If this is a Joint Account, we will honor a\nrequest by either of you to cancel the Account. Authorized users do not have the ability to cancel the Account.\nAfter the Account is cancelled, you will not be able to obtain additional Account credit, except that, (1) the\nAccount may continue to receive recurring charges for items and services until you contact and cancel delivery\nwith the company providing the item or service, or (2) under certain circumstances if you use your Account for\na transaction, the transaction may be posted to your Account. After your Account is cancelled, all amounts\noutstanding on your Account will be due and payable without notice or demand from us. You must cut all Cards\nand Convenience Checks in half and return them to us. You agree that we may also cancel or suspend your\nAccount if there appears to be suspicious activity occurring on it.\nApplicable Law \xe2\x80\x93 This Agreement will be governed by the laws of South Dakota (without regard to its conflict\nof laws principles), whether or not you live in South Dakota, and whether or not your Account is used outside of\nSouth Dakota, and by any applicable federal laws. You agree that: (1) this Agreement is entered into in South\nDakota; (2) all credit under this Agreement will be extended from South Dakota; and (3) all credit extended\nunder this Agreement is subject to, and governed by, South Dakota law. All terms and conditions of this\nAgreement (including the Amendment provision or any other provision herein relating to a change in the terms\nof this Agreement, this Applicable Law provision, and any of the INTEREST CHARGE, Application of Payment\nand Fee provisions) are deemed to be material to a determination of the INTEREST CHARGE.\nAssignment Of Account \xe2\x80\x93 We may sell, assign or transfer your Account or any portion thereof without notice\nto you. You may not sell, assign or transfer your Account. In addition, we may refer the Account to a collection\nagency or attorney who shall be entitled to enforce this Agreement according to its terms, and any of our rights\nshall apply to those persons.\nDEPARTMENT OF DEFENSE CONSUMER CREDIT DISCLOSURE\nFederal law provides important protection to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account). For verbal delivery of this disclosure, please contact us at\n1-855-594-3254.\nPROTECT YOUR PERSONAL INFORMATION\nSmart phones, some tablets or other mobile devices (a \xe2\x80\x9cmobile device\xe2\x80\x9d) can download, store, and/or access\naccount information, for instance through a mobile wallet, that may enable you to use the mobile device to\npurchase goods or services, make a Purchase, Balance Transfer, or make a Cash Advance. In certain\n\n\x0cinstances, those transactions will replicate using your Card to make a transaction on the internet with your\ncomputer. In other instances, the phone or mobile device will act as if it were a Card itself. Applications that\nenable your mobile device will have unique terms governing those applications. Read them carefully.\nTransactions made through those applications are governed by this Agreement. When your Account\ninformation is accessible by your mobile device, it is important that you treat your mobile device with the same\ncare you would your Card. For example, you should secure your mobile device against unauthorized access.\nKeep in mind, if you give someone your phone, or other mobile device, that can be the same as giving that\nperson your Card.\nTHE ISSUER\xe2\x80\x99S LEGAL RIGHTS AND OBLIGATIONS\nCollecting Credit Information about You \xe2\x80\x93 You authorize us to make any credit, employment and\ninvestigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on your\nAccount. You agree that a consumer credit report may be requested periodically from one or more consumer\nreporting agencies (\xe2\x80\x9cCredit Bureaus\xe2\x80\x9d) and used in connection with your application and any update, renewal or\nextension of credit. 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. If you request additional\nCards on your Account for others, you understand that we may report account information in your name as well\nas in the name(s) of those additional cardholder(s).\nCredit Bureau Disputes \xe2\x80\x93 If you believe we inaccurately reported credit history information about you or your\nAccount to a Credit Bureau, call us at 1-855-594-3254 or write us at Great Western Bank, P.O. Box 2345,\nSioux Falls, SD 57101-2345. Please include your name, address, home phone number, account number, and\nexplanation of what you believe to be inaccurate or incomplete.\nPrivacy Policy and Disclosure of Account Information \xe2\x80\x93 A copy of our Privacy Policy was included with\nyour original Agreement. You will also receive a copy at least once annually while you remain our customer.\nWe also keep copies of our Privacy Policy in financial institution offices and post it on our web site. Our Privacy\nPolicy describes how we collect, protect and use confidential financial and other information about you and the\ncircumstances in which we might share information about you with members of our corporate family and with\nunaffiliated third parties. Our Privacy Policy also tells you how you can (1) limit the ways we share certain kinds\nof information about you and (2) request corrections to the information we maintain about you.\nRefusal to Honor Transactions \xe2\x80\x93 We and our agents are not responsible if anyone refuses to honor your\nCard or a Convenience Check, or if authorization for a particular transaction is not given. Although you may\nhave credit available under your Account, we may be unable to authorize credit for a particular transaction. The\nnumber of transactions you make in one day may be limited, and the limit per day may vary. These restrictions\nare for security reasons and as a result we cannot explain the details of how this system works. If your Account\nis over the Credit Limit or delinquent, authorization of credit for transactions may be declined. We are not\nresponsible for anything purchased with your Card or a Convenience Check, except as expressly required by\napplicable law (see Your Billing Rights section below for more details). You must return goods you purchased\nwith the Card or Account to the merchant and not to us.\nThird Party Offers \xe2\x80\x93 From time to time, third parties may provide you with benefits not related to the extension\nof Account credit. We are not liable for these features, services and enhancements, as they are the sole\nresponsibility of the third party provider. We and/or a third party may add, change or delete entirely these\nbenefits without notice or liability to you, to the extent permitted by applicable law. You agree to hold us\nharmless from any claims, actions or damages resulting from your use of any of these features, services or\nenhancements, where permitted by applicable law.\nTelephone Monitoring and Contacting You \xe2\x80\x93 From time to time we may monitor and record telephone calls\nregarding your Account to ensure the quality of our service, and by using the Card, you agree to such\nmonitoring and recording. We may not remind you that we are monitoring or recording a call at the outset of\nthe call, unless required by law to do so. You agree in order for us to service the Account or to collect any\namounts you may owe, that we may from time to time make calls and/or send e-mails, and/or text messages to\nyou, using prerecorded/artificial voice messages and/or through the use of an automatic dialing device, at any\n\n\x0ctelephone number associated with your Account, including wireless telephone numbers that could result in\ncharges to you, or at any e-mail address you provide to us.\nChange of Name, Address, or Telephone Number(s) \xe2\x80\x93 You are responsible for promptly notifying us of a\nchange in your name, address (including the e-mail addresses you use for online banking with us and any\nother e-mail address(es) at which you agree to be contacted), or telephone number(s) (including any wireless\ntelephone number(s)).\nSeverability \xe2\x80\x93 If a court of competent jurisdiction finds any part of this Agreement illegal or unenforceable, the\nremaining portions of the Agreement will remain in effect as written after any such illegal or unenforceable\nportion is amended in conformance with applicable law or, if necessary, voided.\nWaiver \xe2\x80\x93 We do not give up our rights under the Agreement or applicable law when we fail to exercise or delay\nexercising those rights. Our failure or delay to exercise any right or remedy we have against you does not\nmean that we waive that right.\nArbitration Provision:\n(a) You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or\ncontroversy between you and us that arises from or relates to this Agreement or the Account and\ncredit issued thereunder (individually and collectively, a \xe2\x80\x9cClaim\xe2\x80\x9d). This does not apply to any Claim in\nwhich the relief sought is within the jurisdictional limits of, and could be fully and properly adjudicated\nby, a small claims court. If arbitration is chosen by any party, the following will apply:\n(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A\nJURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS\nPROVIDED FOR IN THE APPLICABLE ARBITRATION RULES.\n(2) Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of\nother persons who may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A\nREPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY\nGENERAL, PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.\n(3) The arbitration will be performed in accordance with this Arbitration Provision and the rules of the\nchosen arbitrator in effect when the Claim is filed.\n(4) The arbitrator\xe2\x80\x99s decision will generally be final and binding, except for the limited right of appeal\nprovided by the Federal Arbitration Act.\n(5) Other rights that you would have if you went to court might also not be available in arbitration.\n(b) The party commencing the arbitration may select to use either JAMS or the American Arbitration\nAssociation (\xe2\x80\x9cAAA\xe2\x80\x9d) (or, if neither of these arbitration organizations will serve, then a comparable\nsubstitute arbitration organization agreed upon by the parties or, if the parties cannot agree, chosen by\na court of competent jurisdiction). If JAMS is selected, the arbitration will be handled according to its\nStreamlined Arbitration Rules unless the Claim is for $250,000 or more, in which case its\nComprehensive Arbitration Rules shall apply. If the AAA is selected, the arbitration will be handled\naccording to its Commercial Arbitration Rules. You may obtain rules and forms for JAMS by contacting\nJAMS at 1-800-352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800-7787879 or www.adr.org. Any arbitration hearing that you attend will take place in the federal judicial\ndistrict where you reside. At your request, we will advance your filing and hearing fees for any Claim\nyou may file against us. If you prevail on your Claim, we will pay your arbitration costs and fees, other\nthan attorney, expert and witness fees and expenses. We will also pay any fees or expenses that\napplicable law requires us to pay. The arbitrator shall apply applicable substantive law consistent with\nthe Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 through 16, including but not limited to applicable statutes of\nlimitation, and shall honor claims of privilege recognized at law. Judgment upon the award rendered by\nthe arbitrator may be entered in any court having jurisdiction.\n(c) This Arbitration Provision shall survive repayment of your extension of credit and termination of\nyour Account. This Arbitration Provision shall be governed by federal law, including the Federal\nArbitration Act, and by South Dakota law, without regard to its internal conflict of law principles, to the\nextent such state law does not conflict with federal law or this Arbitration Provision. Notwithstanding\nany language of this Agreement to the contrary, should any portion of this Arbitration Provision be\nheld invalid or unenforceable by a court or other body of competent jurisdiction, this entire Arbitration\n\n\x0cProvision shall be automatically terminated and all other provisions of this Agreement shall remain in\nfull force and effect.\n\n***\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Account Statement\nIf you think there is an error on your Account Statement, write to us at:\nGreat Western Bank, P.O. Box 2345, Sioux Falls, SD 57101-2345 In your letter, give us the following\ninformation:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The Dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your Account Statement, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your Account Statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe\nthe Account Statement is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your Account Statement, and we may continue to charge you\nINTEREST CHARGES on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xef\x82\xb7 We can apply any unpaid amount against your Credit Limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any INTEREST CHARGES or other\nfees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\nINTEREST CHARGES and fees. We will send you an Account Statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your Account Statement is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your Account Statement. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif your Account Statement is correct.\n\n\x0cYour Rights If You Are Dissatisfied With Your Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount\ndue on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your Card for the purchase. Purchases made with Cash Advances from an ATM\nor with a check that accesses your 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 purchase, contact us in writing at:\nGreat Western Bank, P.O. Box 2345, Sioux Falls, SD 57101-2345\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\nSPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH\nCONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS.\n\nCredit Card\nAccount Agreement\nM-127901\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\n9.40% to 16.40%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n9.40% to 16.40%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n9.40% to 16.40%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n$5.00 or 3.00% of the amount of each balance transfer, whichever is greater\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nNone\nUp to $40.00\nUp to $40.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: September 21,2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Mastercard is a secured credit card. Credit extended under this credit\ncard account is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nDFCU Financial\n02101062-MXC10-C-1-082620 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less, if your payment is not made by the next\nStatement Date. In the event you fail to make a payment on time in any of the six billing cycles following a violation, you\nwill be charged $40.00 or the amount of the required minimum payment, whichever is less.\nBalance Transfer Fee (Finance Charge):\n$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.\nCash Advance Fee (Finance Charge):\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following a violation, you will be charged $40.00 or the amount of the required minimum\npayment, whichever is less.\nCard Replacement Fee:\n$10.00.\nRush Fee:\n$35.00.\nStatement Copy Fee:\n$5.00 per document.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nDFCU Financial\n\n02101062-MXC10-C-1-082620 (MXC101-E)\n\n\x0c'