b'ATIRAcredit\xe2\x84\xa2 Rewards Mastercard\xc2\xae Terms and Conditions\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it\nApplies\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nFees\n\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2\n\nForeign Transaction\nFee\nPenalty Fees\n\xe2\x80\xa2 Overlimit Fee\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2\n\nReturned Payment Fee\n\n10.49% to 22.49% when you open your account based on your creditworthiness. After\n\nthat, your APR will vary with the market based on the Prime Rate.\n10.49% to 22.49% when you open your account based on your creditworthiness. After that, your\nAPR will vary with the market based on the Prime Rate.\n22.49% This APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month.\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.\nNone\nNone\nEither $10 or 4% of the amount of the cash advance, whichever is greater. Subject to applicable\nstate law limitations; please see additional terms and conditions for more information.\n1% of each transaction in U.S. Dollars.\n\nNone\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAVERAGE DAILY BALANCE\xe2\x80\x9d (including new transactions).\nThe information about the costs and benefits of the card described in these Terms and Conditions is accurate as of 04/05/2018.\nThis information may have changed. To find out what may have changed please visit www.ATIRAcredit.com for the latest version\nor call 888.4.ATIRA.1 (888.428.4721).\nCredit approval required. If this card is approved, your credit limit will be provided to you upon approval and may range from $500\nto $15,000, depending on your creditworthiness.\nAdditional Terms and Conditions\nYour APR Can Fluctuate\nYour APR is variable and may increase or decrease monthly. The Purchase APR and Balance Transfer APR are determined by adding a\nmargin of 5.74% to 17.74% to the Prime Rate. The Cash Advance APR is determined by adding a margin of 17.74% to the Prime Rate.\nFor each billing period, we use the Prime Rate published in The Wall Street Journal ten (10) business days prior to your statement\nclosing date. If The Wall Street Journal does not publish the Prime Rate, we may substitute a similar published rate. A change in the\nAPR due to a change in the Prime Rate takes effect as the first day of the billing period for which we calculate the APR. We apply the\napplicable APR to any existing balances, subject to any promotional rates that may apply. If the Prime Rate increases, it will increase\nthe APR and interest charges on your Account, and it may increase your monthly payment. Your APRs may also be subject to\napplicable state rate caps.\nTerms of Your Account May Change\nWe may change the terms of your account as permitted by law. If we change any of these terms, we will notify you in advance as\nrequired by law.\nYou May Receive Future Offers With Different Terms\nAt any time in the future, we may extend new offers in connection with this account, including opportunities to transfer additional\nbalances. These new products and services may have different APRs, fees and other terms. We will provide any different terms when\nwe make you the new offer, and you may accept or decline any such offer.\n\n\x0cMinimum Income Requirement For This Card\nThe minimum gross annual income required for an account is $10,000.\nLate Payment Fee\nWe may add a late fee as outlined below to your Account for each billing period you fail to pay the Minimum Amount Due by the\nPayment Due Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past due amount after 7 days for VA; Up to 5%\nof past due payment after 10 days for NY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up to 5% of\nunpaid installment, not to exceed $10.00 after 15 days for ME; Up to 5% of unpaid installment, not to exceed $25.00 after 10 days\nfor WV; Up to the lesser of $5.00 or the balance on balances under $100 or $10.00 for balances over $100 after 30 days for NC; Up\nto the greater of $5.00 or 4% of amount of any delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of $7.20 or\n5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up to the greater of $7.80 or 5% of amount of the payment after 10\ndays for MN; Up to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of outstanding balance or $10.00 after 15\ndays in default for MA; Up to the greater of 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for CO, DC, FL\nand LA; Up to the lesser of 5% of payment due or $15.00 after 10 days for TX; Up to the greater of 5% of minimum required payment\nor $15.00 after 10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00 after 15 days for MO; Up to the\ngreater of $15.00 or 5% of amount past due for MI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of $20.00 or 10% of payment after 15 days in PA; Up\nto the greater of $24.50 or 5% of payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA, HI, IL, KS, MD, ND,\nNE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee\nWe may add a fee as outlined below to your Account if a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess this fee every time your check or payment is not\nhonored, as permitted by law. No fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA; Up to $25.00 if check remains unpaid for 15 days\nafter notice of dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI,\nMN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check\namount for GA.\nCash Advance Fee\nIf you use your Account or Card to obtain a Cash Advance, we will charge a Cash Advance fee of the greater of 4% of the cash\nadvance or $10.00, unless state law limits the amount we can charge, in which case the fee shall be the largest amount allowable\nunder state law. State law limits include, but are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of amount of each\ncash advance or $5.00 for WV; Up to the greater of $2.00 or 2% of advance for TX; Up to the lesser of 2% of amount or $10.00 for IN;\nUp to the greater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA; Up to the greater of $10.00 or 4% of\neach cash advance ($30.00 maximum) for MN.\nOther Fees\nOther fees are identified in the Cardmember Agreement.\nAttestation and Authorizations\nI am applying to TMG Financial Services (TMGFS) for a credit card account. Everything that I have stated on the application is correct\nto the best of my knowledge. I understand that I must be at least 18 years of age and have a valid social security number, unless\notherwise specified to qualify for this offer.\nI understand that approval is based upon satisfying TMGFS\xe2\x80\x99 credit standards. I understand that I may not qualify for the lowest APR\ndisclosed above and that the APR that is offered to me will be determined by TMGFS\xe2\x80\x99 review of my credit report, information I\nsupplied on the application and other relevant information. TMGFS maintains the right not to open my account if: (a) the\ninformation provided on or with my application is incomplete, inaccurate or unverifiable; (b) I no longer meet TMGFS\xe2\x80\x99 standards for\ncreditworthiness; (c) my name and/or mailing address has been altered. I understand that the exact amount of my credit line will be\ndetermined after review of my application and other information.\nBy submitting this application, you authorize us to obtain credit reports in connection with your request for an account. If an account\nis opened, we may obtain credit reports in connection with additional extensions of credit, upgrade of the product or change in\nterms, the renewal, review or collection of your account or in connection with another permissible purpose.\nIf an account is opened, you will receive a Cardmember Agreement with your Welcome Letter and account opening disclosures. All\nterms and conditions of your account are contained in your Cardmember Agreement, Welcome Letter and Card Carrier. You agree to\n\n\x0cthese terms by using your account or by not closing the account within three (3) business days of receiving the Cardmember\nAgreement.\nYou certify that you are of age to legally contract and that you have read and reviewed all terms, conditions and disclosures\nprovided. You certify that the information you provide in connection with obtaining this credit card is complete and accurate. You\nunderstand that omission of information requested may be reason for denial.\nYou authorize us to receive and exchange information about you, including from your employer, your financial institution, credit\nbureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for\ncredit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that TMG Financial Services,\nits affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an\nautomatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls\naccording to your current plan. Upon your request, we will inform you of the name and address of each consumer reporting agency\nfrom which we obtained a consumer report relating to you.\nOur agreement with you will be governed by applicable State and Federal laws.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of\nterrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information\nthat identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we\nwill ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your\ndriver\xe2\x80\x99s license or other identifying information.\nSTATE SPECIFIC INFORMATION\nCalifornia Residents:\nA married applicant may apply for a separate account. Applicants: 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified\nthat a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the\nterms of your credit obligations.\nConnecticut Residents:\nThis is an open-end loan being made pursuant to Connecticut Statutes Sections 36a-555 to 573.\nFlorida Residents:\nYou (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and Federal law.\nMissouri Residents:\nOral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including\npromises to extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from\nmisunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.\nNew York Residents:\nWe may obtain a credit report in connection with this Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether such report was requested and, if so, the name and\naddress of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking\nDepartment at 877.226.5697 to obtain a comparative listing of credit card rates, fees and grace periods.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nSouth Dakota Residents:\nIf you believe there have been any improprieties in making this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\n\n\x0cWisconsin Residents:\nIf you are married, please contact us immediately upon receipt of this Agreement at 888.4.ATIRA.1 and provide us with the name\nand address of your spouse. We are required to inform your spouse that we have opened a credit account for you.\nBalance Transfers\nBalance Transfer requested at time of application are processed 10 days after receipt of request; if you wish to cancel the processing\nof a requested transfer(s) you must call before it is processed. You will not be charged interest on purchases or balance transfers if\nyou pay your entire balance by the due date each month. If you transfer a balance and do not pay the entire statement balance by\nthe due date each month (including the promotional balance), you will lose your grace period on both balance transfers and any new\npurchases until you pay the entire balance in full. A loss of your grace period could result in additional interest charges. Please\ncontinue to make your regular payments on transferred accounts until you receive confirmation the transfer has been completed.\nMinimum transfer amount of $100. If your balance transfer request will exceed your available credit, we will process your transfer\nfor less than the amount requested, in the order requested. By signing the application you authorize TMG Financial Services to pay\nany account listed on the form and add the balance to your new ATIRAcredit Card.\nReview all terms and conditions for complete details. Please call cardmember service at 888.4.ATIRA.1 (888.428.4721) if you have\nadditional accounts you would like to transfer.\nATIRAcredit\xe2\x84\xa2 Rewards Program: For full Terms and Conditions, visit http://www.atiracredit.com/ATIRAcreditRewards.pdf.\nATIRAcredit makes your privacy a priority; please visit www.ATIRAcredit.com for a copy of our privacy pledge.\nThis Platinum Mastercard is provided by ATIRAcredit. Mastercard, Platinum Mastercard and the Mastercard Brand Mark are\nregistered trademarks of Mastercard International Incorporated. \xc2\xa92018, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service\nmark and ATIRAcredit\xe2\x84\xa2 is a service mark of the Members Group, LLC.\n\n\x0c'


b'Mutual of Omaha Bank ATIRAcredit\xe2\x84\xa2 Business Mastercard\xc2\xae Terms and Conditions\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\nAPR for Cash Advances &\nConvenience Checks\n\nPenalty APR and When it\nApplies\n\nVariable Rate Information\n\nGrace Period\n\nMinimum Interest Charge\n\nFees\n\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2 Foreign Transaction\nFee\nPenalty Fees\n\xe2\x80\xa2 Overlimit Fee\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2 Returned Payment Fee\n\xe2\x80\xa2 Return Check\n\nPrime + margin of 7.99% 13.99%\n\nA variable rate that ranges from\nto\nwhen\nyou open your account based on your creditworthiness. After that, your APR will vary with the\nmarket based on the Prime Rate.\nBalance Transfer APR is the same as the Purchase APR.\nPrime + margin of 17.99%. This APR will vary with the market based on the Prime Rate.\nPrime + margin of 19.99%. This APR will vary with the market based on the Prime Rate. The\nPenalty APR will apply to your Account if you:\n\xe2\x80\xa2 fail to make any Minimum Payment by the date and time due (late payment); or\n\xe2\x80\xa2 make a payment to us that is returned unpaid.\nHow Long Will the Penalty APR Apply: If an APR is increased for any of these reasons, the Penalty\nAPR will apply until the closing date of the sixth consecutive billing cycle that you are current on\nall payments to your account.\nThe variable APR you receive is dependent on your credit history. Your Purchase APR may vary\nmonthly. The Purchase rate is determined by adding a premium of 7.99% to 13.99% to the Prime\nRate. The Convenience Check and Cash Advance rate is determined by adding a premium of\n17.99% to the Prime Rate. The Penalty rate is determined by adding a premium of 19.99% to the\nPrime Rate.\nYour due date will be a minimum of 20 days after the close of each billing cycle. We will not\ncharge you periodic interest on any portion of new purchases billed to a statement that we\nallocate such payment to, so long as your current statement shows that we received payment of\nthe entire balance for your previous statement by the time the Minimum Payment was due. You\nmay not be able to avoid interest on new purchases if you have another balance at a higher\ninterest rate, unless you pay your balance in full each month, because we may allocate payments\nto higher rate balances first. We will begin charging interest on balance transfers, cash advances,\nand convenience checks on the transaction date.\nIf you are charged periodic interest, the charge will be no less than $0.50.\nNone first year. After that, $39.00.\nEither $10 or 3% of the amount of each transfer, whichever is greater.\nEither $10 or 4% of the amount of each cash advance, whichever is greater.\n3% of each transaction in U.S. Dollars.\n\n$30.00\n$30.00\n$30.00\n$30.00\n\nHow Your Variable Rate is Calculated\nWe calculate the variable rate by adding a premium to the highest Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall\nStreet Journal for the preceding three months and can change up to three days prior to your statement closing date. If the Prime\nRate changes, your new rate will take effect on the then current billing period.\nHow Your Minimum Payment is Calculated\nYour minimum payment will be the greater of 2% of your outstanding balance or $40. If your balance is less than $40, your minimum\npayment will equal your balance.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAVERAGE DAILY BALANCE\xe2\x80\x9d (including new transactions).\nPrime Rate: Your APR is variable and may increase or decrease monthly. The Purchase APR and Balance Transfer APR are\ndetermined by adding a margin of 7.99% to 13.99% to the Prime Rate. The Cash Advance APR is determined by adding a margin of\n17.99% to the Prime Rate. For each billing period, we use the Prime Rate published in The Wall Street Journal three (3) business days\nprior to your statement closing date. If The Wall Street Journal does not publish the Prime Rate, we may substitute a similar\npublished rate. A change in the APR due to a change in the Prime Rate takes effect as the first day of the billing period for which we\n\n\x0ccalculate the APR. We apply the applicable APR to any existing balances, subject to any promotional rates that may apply. If the\nPrime Rate increases, it will increase the APR and interest charges on your Account, and it may increase your monthly payment. Your\nAPRs may also be subject to applicable state rate caps.\nThe information about the costs and benefits of the card described in these Terms and Conditions is accurate as of 09/01/2017.\nThis information may have changed. To find out what may have changed please visit www.mutualofomahabank.com for the\nlatest version or call 866.596.3061.\nCredit approval required. If this card is approved, your credit limit will be provided to you upon approval depending on your\ncreditworthiness. The minimum credit limit is $500.\nPlease allow up to two (2) billing cycles for reward points to post to your account.\nAdditional Terms and Conditions\nAuthorization\nWhen you (\xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d means the owner, officer, or partner of the company with the authority to bind the company to the terms\n& conditions of this offer and the Business Card Agreement, and who is agreeing to the terms on their own behalf and that of the\ncompany) respond to this credit card offer from TMG Financial Services, Inc. (\xe2\x80\x9cTMGFS\xe2\x80\x9d, \xe2\x80\x9cATIRAcredit\xe2\x80\x9d, \xe2\x80\x9cwe\xe2\x80\x9d, or \xe2\x80\x9cus\xe2\x80\x9d), you agree to\nthe following:\n1.\n\nYou authorize us to obtain business and consumer credit bureau reports in connection with your request for an account. If\nan account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or\ncollection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained\na report about you.\n\n2.\n\nIf an account is opened, you will receive a Welcome Letter, a Business Mastercard Agreement and Disclosure Statement\nwith your card(s), and these disclosures that make up the entirety of your Business Card Agreement with us. By using the\naccount or any card, authorizing their use, or making any payment on the account, you agree to the terms of the Business\nCard Agreement.\n\n3.\n\nYou authorize us to allocate your payments and credits in a way that is most favorable to or convenient for us.\n\n4.\n\nRates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with\nyour Business Card Agreement.\n\n5.\n\nYou also certify you have the authority to permit us to issue your credit card containing the Company name if completed on\nthe form.\n\nIndividual and Company Liability: You understand that by responding to this offer you agree to be personally responsible for\npayment of all balances incurred on all cards and accounts issued pursuant to this application now or whenever such additional\naccounts may be established in the future, and that the Company is jointly liable for all balances on all accounts in the Company\nname. You understand that if you leave the employment of the Company, you will continue to be responsible for the outstanding\nbalances on the accounts. You must notify us immediately to close the accounts and prevent further usage.\nBefore we approve you for a credit card, we will review your credit report, the Company\xe2\x80\x99s financial information, and the information\nyou provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a card\nwith different costs or you may not receive a card. We may request additional information for a revolving credit amount above\n$15,000.\nIf an account is approved, all cardmembers will have access to the approved revolving credit amount disclosed on the Welcome\nLetter and any amount over the revolving credit amount that we authorize. If you would like to set spending limits on any\ncardmembers, please contact our Cardmember Service Department after the account has been opened. By becoming a Mastercard\nBusiness cardmember, you agree that the card is being used only for business purposes and that the card is being issued to a public\nor private company including a sole proprietor or employees or contractors of an organization.\nYou must be at least 18 years old to qualify.\n\n\x0cYou authorize us to receive and exchange information about you, including from your employer, your financial institution, credit\nbureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for\ncredit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that TMG Financial Services,\nits affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an\nautomatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls\naccording to your current plan. Upon your request, we will inform you of the name and address of each consumer reporting agency\nfrom which we obtained a consumer report relating to you.\nWe reserve the right to change the benefit features associated with your card at any time.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nReplying To This Offer:\nIf you omit any information on the form, we may deny your request for an account. You must have a valid permanent home address,\nand the Company must be headquartered, within the 50 United States or the District of Columbia. The information about the costs\nof the card described in this form is accurate as of 09/01/2017. This information may have changed after that date. To find out what\nmay have changed, call 1-866-596-3061.\nUSA Patriot Act:\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions\nto obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you\nopen an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may\nalso ask to see your driver\xe2\x80\x99s license or other identifying documents.\nATIRAcredit\xe2\x84\xa2 Rewards Program: For full Terms and Conditions, visit www.ATIRAcredit.com/MutualRewards.pdf\nATIRAcredit makes your privacy a priority; please visit www.ATIRAcredit.com/MutualofOmahaBank_ATIRAcredit_Privacy.pdf\nThis Platinum Mastercard is provided by ATIRAcredit. Mastercard, Platinum Mastercard and the Mastercard Brand Mark are\nregistered trademarks of Mastercard International Incorporated. \xc2\xa92017, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service\nmark and ATIRAcredit\xe2\x84\xa2 is a service mark of the Members Group, LLC.\n\n\x0c'


b'Cardmember\nAgreement\nCARDMEMBER AGREEMENT\nThis Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), which includes your Card carrier\nand Welcome Letter, is your contract with us and governs the use of your Card\nand Account. The Welcome Letter contains important account information,\nincluding your annual percentage rates. Please read and keep these documents\nfor your records.\nYou agree to use your Account in accordance with this Agreement. This\nAgreement is binding on you unless you have not used or authorized\nuse of the Card. You must pay us for all amounts due on your Account\nas specified in this Agreement. Your Account must only be used for\nlawful transactions.\nDEFINITIONS\nWe, us, and our: TMG Financial Services, Inc., the issuer of your credit\nCard Account.\nYou, your, and yours: the person who applied to open the Account and any other\nperson responsible for complying with this Agreement, including the person to\nwhom we address the billing statements.\nAccount: the relationship established between you and us by this Agreement.\nAPR: annual percentage rate.\nBalance Transfer: the transfer of outstanding balances by you to your Account\nfrom credit accounts issued by persons other than us. A Balance Transfer may\nonly be completed in a method authorized by us, which may include through a\ncheck issued by us.\nCard: one or more Cards or other Account access devices, including Convenience\nChecks and Account numbers that we issue to you to obtain credit under this\nCardmember Agreement.\nCash Advance: an advance that is charged to your Account with or in connection\nwith the Card, including obtaining funds through an automated teller machine\n(ATM), banking site or financial institution; making a wire transfer; obtaining a\nmoney order, traveler\xe2\x80\x99s check, lottery ticket, casino chip or similar item; writing\na Check, drawn on your Account, to yourself or as cash; or engaging in a\nsimilar transaction.\nConvenience Check(s): a draft that looks like other checks, but is issued by us and\ndrawn on credit available in your Account. For purposes of this Agreement and\nother communications with you, we may refer to these as Convenience Checks,\nBalance Transfer checks, Balance Consolidation checks, or by other means as\ndescribed in offers or communications to you.\nPurchase: a Purchase is the use of your Card or Account to buy or lease products\nor services. The Purchase of cash or cash equivalents, like casino chips or lottery\ntickets, is a Cash Advance, not a Purchase.\nTRANSACTION FEES \xe2\x80\x93 FINANCE CHARGES\nTransaction Fees and APRs: If you are assessed a transaction fee for a Purchase\nmade in a foreign currency or a Cash Advance, the transaction fee may cause the\nAPR on your billing statement on which the transaction first appears to exceed\nyour normal APR.\nAnnual Fee: None.\nBalance Transfer Fee: None.\nForeign Transaction Fee: When you make a transaction outside of the United\nStates, a fee equal to 1% of the converted transaction amount will be applied to\nyour Account, unless state law limits the amount we can charge, in which case\nthe fee shall be the largest amount allowable under state law. State law limits\ninclude, but are not limited to: No fee for CO; Up to $0.25 for NV; Up to the lesser\nof 1% or $10.00 for IN.\nThe foreign transaction fee is a finance charge. Interest does not accrue on\nthe fee.\nCash Advance Fee: If you use your Account or Card to obtain a Cash Advance,\nwe will charge a Cash Advance fee of the greater of 4% of the cash advance or\n\n02/17\nCMA-2\n\nATIRAcredit\xe2\x84\xa2 Mastercard\xc2\xae\n$10.00, unless state law limits the amount we can charge, in which case the fee\nshall be the largest amount allowable under state law. State law limits include,\nbut are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of\namount of each cash advance or $5.00 for WV; Up to the greater of $2.00 or 2%\nof advance for TX; Up to the lesser of 2% of amount or $10.00 for IN; Up to the\ngreater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA;\nUp to the greater of $10.00 or 4% of each cash advance ($30.00 maximum)\nfor MN.\nThe cash advance fee is a finance charge. Interest does not accrue on the fee.\nOTHER FEES\nSome fees vary by state and are disclosed below. Specific fee amounts that apply\nto your Account will be disclosed as part of your Welcome Letter.\nLate Payment Fee: We may add a late fee as outlined below to your Account for\neach billing period you fail to pay the Minimum Amount Due by the Payment\nDue Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past\ndue amount after 7 days for VA; Up to 5% of past due payment after 10 days for\nNY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up\nto 5% of unpaid installment, not to exceed $10.00 after 15 days for ME; Up to\n5% of unpaid installment, not to exceed $25.00 after 10 days for WV; Up to the\nlesser of $5.00 or the balance on balances under $100 or $10.00 for balances\nover $100 after 30 days for NC; Up to the greater of $5.00 or 4% of amount of\nany delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of\n$7.20 or 5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up\nto the greater of $7.80 or 5% of amount of the payment after 10 days for MN;\nUp to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of\noutstanding balance or $10.00 after 15 days in default for MA; Up to the greater\nof 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for\nCO, DC, FL and LA; Up to the lesser of 5% of payment due or $15.00 after 10 days\nfor TX; Up to the greater of 5% of minimum required payment or $15.00 after\n10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00\nafter 15 days for MO; Up to the greater of $15.00 or 5% of amount past due for\nMI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of\n$20.00 or 10% of payment after 15 days in PA; Up to the greater of $24.50 or 5%\nof payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA,\nHI, IL, KS, MD, ND, NE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee: We may add a fee as outlined below to your Account\nif a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess\nthis fee every time your check or payment is not honored, as permitted by law.\nNo fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD;\nUp to $20.00 for CT, FL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of\namount due for IA; Up to $25.00 if check remains unpaid for 15 days after notice\nof dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO,\nDC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM,\nOK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of\ncheck amount for GA.\nReturned Convenience Check Fee: We may add a fee if we decline to honor a\nconvenience check. We may decline to honor these checks if, for example, the\namount of the check would cause the balance to exceed the Cash Advance limit\nor revolving credit line, if you default, if you did not comply with our instructions\nregarding the check, or if your Account has been closed. We may assess this fee\nevery time your check is not honored, as permitted by law. No fee for WY; Up to\n$10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA;\nUp to $25.00 if check remains unpaid for 15 days after notice of dishonor is sent\nfor MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS,\nKY, LA, MA, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN,\nTX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check amount for GA.\nStop Payment on Convenience Check Fee: We may add a fee of up to $20.00 to\nyour Account if we honor your request to stop payment on a Convenience Check.\nTo stop payment on a Convenience Check, write us at ATIRAcredit, P.O. Box\n14542, Des Moines, Iowa, 50306-3542, or call the Cardmember Service number\non the billing statement. If you call, you must confirm the call in writing within\n\n\x0cfourteen (14) days. A written stop payment order remains in effect for six (6)\nmonths unless renewed in writing. Stop payment fees do not apply for the state\nof WY.\nCredit Card Replacement Fee: We may add a fee to your Account if you request\na replacement credit Card. This fee is based on the delivery type you request.\nThe fee is $5.00 for standard delivery; $25.00 if you request a replacement be\ndelivered two (2) days after your request; $65.00 if you request a non-emergency\ndelivery shipped via FedEx one (1) day after your request; or $105.00 if you\nrequest an emergency Card replacement which is shipped at time of request\nwhen it is sent via an overnight delivery service. Rush card fees do not apply to\nthe following states: OK and WY.\nRush PIN Fee: We may add a $10.00 fee to the Purchase balance if you request\nyour PIN rush-delivered to you via FedEx. Rush PIN fees do not apply to the\nfollowing states: OK and WY.\nDocument Copy Fee: We may add a $15.00 fee to your Account if you request a\ncopy of a sales slip, refund slip, Cash Advance slip or travel and entertainment (T\n& E) draft. Document copy fees do not apply to the following states: IN, OK\nand WY.\nConvenience Check Copy Fee: We may add a $20.00 fee to your Account if you\nrequest a copy of a returned Convenience Check. Convenience Check copy fees\ndo not apply to the following states: OK and WY.\nStatement Copy Fee: We may add a $5.00 fee to your Account if you request a\ncopy of a billing statement. Statement Copy fees do not apply to the following\nstates: OK and WY.\nResearch Fee: We may add a fee to your Account for time we spend to research\nan item regarding your Account at your request. The fee is $15.00 per hour.\nResearch fees do not apply to the following states: OK and WY.\nYOUR ACCOUNT\nAuthorized Users: You may allow authorized users to use your Account. You may\nrequest additional Cards for authorized users. You must pay us for all charges\nmade by authorized users, even if you did not intend to be responsible for those\ncharges. If you revoke permission for an authorized user to use a Card or to use\nyour Account, you must notify us for the revocation to be effective.\nRevolving Credit Line: Your initial revolving credit line appears on the Card carrier\nand your Welcome Letter. Part of your revolving credit line, called the Cash\nAdvance limit, is available for Cash Advances. Your Cash Advance limit appears on\nyour Welcome Letter. We may change your revolving credit line or Cash Advance\nlimit at any time for any reason. We may notify you of any change, but the\nchange may take effect before you receive notice. We may permit you to incur\ncharges that cause your New Balance to exceed your revolving credit line. These\ncharges will be evaluated based on account performance, information contained\non credit bureau reports we review periodically and other credit accounts\nwith us. If we authorize these charges, you must pay, as part of your Minimum\nPayment Due, the amount by which your New Balance exceeds your revolving\ncredit line, including amounts due to Purchases, Cash Advances, finance charges,\nfees or other charges.\nContact Information: You must notify Cardmember Service of a change in\naddress or other contact information, including state of residence, by calling\n888.4.ATIRA.1 (888.428.4721), mailing ATIRAcredit, P.O. Box 14542, Des Moines,\nIA 50306-3542 or emailing info@ATIRAcredit.com. (Please note: this email\naddress is not secure; please do not include your account information. To discuss\naccount-specific information, please call Cardmember Service.)\nBilling Statement: You shall receive a periodic billing statement in accordance\nwith applicable law if your Account has a debit or credit balance of more than\n$1 or a finance charge has been imposed during that billing cycle. If we deem\nyour Account uncollectible or institute collection proceedings through an outside\nagency or attorney, we may stop sending you statements. Periodic finance\ncharges and fees may continue to accrue even if we stop sending statements.\nThe total amount you owe us appears as the New Balance on the billing\nstatement. To determine the New Balance we begin with the total balance at\nthe start of the billing period. We add any Purchases, Balance Transfers or Cash\nAdvances and subtract any credits or payments credited as of that billing period.\nWe then add any periodic finance charges or fees and make other adjustments.\nOur Communications With You: If we need to contact you to service your\nAccount or to collect amounts you owe, you authorize us (and our affiliates,\nagents and contractors) to contact you at any number you provide, from which\nyou call us or at which we believe we can reach you. We may contact you in any\nway, such as calling or texting. We may contact you using an automated dialer\nor prerecorded messages. We may contact you on a mobile, wireless or similar\ndevice, even if you are charged for it.\n\nAPRs\nAPRs Based on Prime: We calculate any APR based on the U.S. Prime Rate\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) by adding a margin to the Prime Rate. Your margin is identified in\nthe Welcome Letter you receive from us. Your APRs are variable and may increase\nor decrease if the Prime Rate increases or decreases. For each billing period, we\nuse the Prime Rate published in The Wall Street Journal ten (10) business days\nprior to your statement closing date. If The Wall Street Journal does not publish\nthe Prime Rate, we may substitute a similar published rate. A change in the APR\ndue to a change in the Prime Rate takes effect as of the first day of the billing\nperiod for which we calculate the APR. We apply the new applicable APR to any\nexisting balances, subject to any promotional rates that may apply.\nEffect of APR Increases: If the APR on your Account increases in accordance with\nthis Agreement and as permitted by law, interest charges and your minimum\npayment may increase.\nPenalty Rate: We do not charge a penalty rate.\nFINANCE CHARGES\nInterest Charges: Interest charges are a finance charge added to your Account\nwhen we apply the applicable APR to the balances on your Account.\nWhen Interest Charges Begin to Accrue: Interest begins to accrue on Purchases,\nCash Advances, Balance Transfers, and any minimum interest charges from the\ndate it is added to the daily balance and continues to accrue until payment in full\nis credited to your Account.\nYour Payment Due Date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on Purchases or Balance Transfers that appear\non your billing statement if you pay the New Balance on your statement in full by\nthe Payment Due Date.\nFor a Cash Advance, we will begin charging interest on the transaction date.\nHow We Calculate Your Balance and Interest Charges: We calculate the\ninterest charge separately for each Balance Subject to Interest rate, including\nfor Purchases at the current rate (which includes Balance Transfers at the\ncurrent rate), Cash Advances at the current rate and transactions at different\npromotional rates, as applicable. Your billing statement shows each Balance\nSubject to Interest Rate.\nWe figure the interest charge on your Account by applying the periodic rate to\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases (which include Balance Transfers) and\nCash Advances. The average daily balances for Purchases (including Balance\nTransfers) and Cash Advances are calculated separately and determined as\nfollows: To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the beginning balance of\nyour Account for each Balance Subject to Interest Rate each day, add any new\ntransactions in that category (which may include Purchases / Balance Transfers\n/ Cash Advances) and subtract any unpaid interest or other finance charges and\nany payments or credits. This gives us the daily balance. Then, we add up all\nthe daily balances (for that Balance Subject to Interest Rate) for the billing cycle\nand divide the total by the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Balance Subject to Interest Rate.\nFor each Balance Subject to Interest Rate, we multiply the average daily balance\nby the applicable periodic rate. The periodic rate referenced in your Welcome\nLetter is a \xe2\x80\x98monthly\xe2\x80\x99 periodic rate and is calculated by dividing the APR on the\nAccount by twelve (12). A billing period begins on the day after the Statement\nClosing Date of the previous billing period and includes the Statement Closing\nDate of the current billing period\nMinimum Interest Charge: If you are charged interest, the charge will be no less\nthan $0.50.\nConvenience Checks: Each Convenience Check must be in the form it was issued\nand used according to any instructions we give. The Convenience Check(s)\nmust not be used to pay an amount owed us under this or any other account\nor agreement that you have with us. We do not certify Convenience Checks\nor return any such checks that have been paid. At our sole discretion, we may\nchoose to honor a Convenience Check after its expiration date.\nPAYMENTS\nMinimum Payment Due: Each month your statement balance is greater than\n$0, you must pay at least the Minimum Payment Due by the Payment Due Date.\nTo calculate the Minimum Payment Due, we begin with any past due amount\nand add any amount in excess of your revolving credit line. We then apply the\nminimum payment disclosed in your Welcome Letter.\nThe Minimum Payment Due never exceeds the New Balance. In calculating the\nMinimum Payment Due, we may subtract from\nthe New Balance certain fees added to your Account during the billing period.\nApplication of Payments: Each billing period, to the extent your payment\nexceeds the Minimum Payment Due shown on your current billing statement,\nwe will apply the excess amount to the balance of each transaction category\n\n\x0cbeginning with the balance subject to the highest APR. Otherwise, we will apply\npayments and credits at our discretion. In all cases, we will apply payments and\ncredit in accordance with applicable law.\nPayment Instructions: Payments are credited in accordance with the payment\ninstructions on the billing statement. Payments received in proper form online, at\nyour financial institution or at our processing facility by 5 p.m. local time on any\nday will be credited as of that day. Payments received online, at your financial\ninstitution or at our processing facility after 5 p.m. local time will be credited as\nof the next day. You must pay us in U.S. dollars using a check, similar instrument\nor automatic debit that is drawn on and honored by a financial institution in the\nU.S. Do not send cash. We can accept late or partial payments, and payments\nthat reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without losing our\nrights. We reserve the right to accept payments made in foreign currency and\ninstruments drawn on funds on deposit outside the U.S. If we do, we select the\ncurrency conversion rate at our discretion and credit your Account in U.S. dollars\nafter deducting any costs incurred in processing your payment, or we may bill\nyou separately for such costs.\nForeign Currency Conversion Procedures: If you make a transaction in a foreign\ncurrency, other than a Cash Advance made at your financial institution or ATM\nof one of our affiliates, Mastercard\xc2\xae converts the amount into U.S. dollars as\nfollows: Mastercard complies with its foreign currency conversion procedures\nthen in effect. Mastercard currently uses a conversion rate in effect one day prior\nto its transaction processing date. Such a rate is either a wholesale market rate or\nthe government mandated rate.\nThe foreign currency conversion rate in effect on the applicable processing date\nfor a transaction may differ from the rate in effect on the Transaction or Post\nDate on your billing statement for that transaction.\nIf a transaction is converted by a third party prior to such transaction being\nprocessed by Mastercard, the foreign currency conversion rate for that\ntransaction will be the rate selected by that third party.\nCREDIT REPORTING\nWe may report information about your Account to credit reporting agencies.\nLate payments, missed payments or other defaults on your Account may appear\non your credit report. If you request Cards on your Account for others, we may\nreport account information in the names of those other people as well. We may\nalso obtain subsequent credit reports on you (for example, when we review your\nAccount for a revolving credit line increase). If you wish to know which agencies\nwe contacted, write us at the Cardmember Service address on your billing statement.\nIf you think we reported erroneous information to a credit reporting agency,\nwrite us at the Cardmember Service address on your billing statement. We\nwill promptly investigate the matter and if we agree with you, we will contact\neach credit reporting agency to which we reported and request a correction.\nIf, after our investigation, we disagree with you, we will tell you in writing or by\ntelephone how to submit a statement to those agencies for inclusion in your\ncredit report.\nCHANGES TO THIS AGREEMENT\nWe may change the rates, fees and terms of this Agreement at any time for any\nreason, as permitted by law. Further, we may be compelled to change the rates,\nfees and terms of this Agreement if you change your state of residence. We will\nprovide you notice of changes as required by law. Any changes to this Agreement\nare binding on you.\nDEFAULT\nYou will be in default under this Agreement if you fail to pay the Minimum\nPayment Due by its due date; pay by a check or similar instrument that is\nnot honored or that we must return because it cannot be processed; pay by\nautomatic debit that is returned unpaid; make any false or misleading statements\nin any credit application or credit update; file for bankruptcy; or die. You will also\nbe in default if you fail to comply with the terms of this Agreement or any other\nAgreement you have with us. If you default, we may close your Account and\nrequire you to pay any unpaid balance immediately, subject to applicable law. If\nyou gave the financial institution guaranteeing your Account a security interest or\nother deposit, we may use the deposit amount to pay any\namount you owe.\nAUTHORIZATIONS, CLOSED ACCOUNTS\nAND RELATED PROVISIONS\nAuthorizations: We do not guarantee authorization of a transaction, either by\nus or by a third party, even if you have sufficient credit available. We reserve\nthe right to deny certain transactions for any reason and at our sole discretion,\nincluding for default, suspected fraudulent or unlawful activity, internet gambling\nor any indication of increased risk related to the transaction or the Account.\nYou agree that we will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in\none day. If we detect unusual or suspicious activity, we may suspend your credit\nprivileges until we can verify the activity, or we may close the Account.\n\nPreauthorized Charges: If you default, if the Card is lost or stolen or we change\nthe Account for any reason, we may suspend automatic charges with third party\nvendors. If preauthorized charges are suspended, you are responsible for making\ndirect payment for such charges until you contact the third party to reinstate the\nautomatic charges.\nLost or Stolen Cards, Account Numbers or Convenience Checks: If any Card,\nAccount number or Convenience Check is lost or stolen or if you think someone\nused or may use them without permission, call Cardmember Service immediately\nat 888.4.ATIRA.1. We may require you to provide certain information in writing\nto help us find out what happened and to comply with our investigation. You\nmust identify for us the charges that were not made by you, or someone not\nauthorized by you and from which you received no benefit. You will not be liable\nfor any unauthorized use that occurs after your notify us. You may be liable for\nunauthorized use that occurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss or theft and, upon\ndiscovering the loss or theft promptly report the loss or theft to us, you will not\nbe liable for any unauthorized transactions. In any case, your liability will not\nexceed $50.00.\nClosing Your Account: You may close your Account by notifying us in writing or\ncalling the Cardmember Service number shown on your billing statement or on\nthe back of your credit Card but must still repay the total balance remaining on\nthe Account (identified as \xe2\x80\x9cNew Balance\xe2\x80\x9d on your statement) in accordance with\nthis Agreement. We may close your Account or suspend Account privileges at any\ntime for any reason without prior notice. We may also reissue a different Card at\nany time. You must return any Card to us upon request.\nSecurity Interest for Secured Accounts: If your Account is a secured account,\nyou gave your financial institution a security interest or other deposit to secure\npayment of your Account. If you withdraw your funds from the account set up\nto secure your credit account, the financial institution will notify us and we will\nclose your Account.\nWHAT TO DO IF THERE IS AN ERROR IN YOUR BILL\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nATIRAcredit, P.O. Box 14542, Des Moines, IA 50306-3542.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do\nwe are not required to investigate any potential errors and you may have to pay\nthe 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\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\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 to\ncharge 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\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as 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\n\n\x0cto 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.\n\nApplicants: 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint\napplicant. As required by law, you are hereby notified that a negative credit\nreport reflecting on your credit record may be submitted to a credit reporting\nagency if you fail to fulfill the terms of your credit obligations.\n\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.\n\nConnecticut Residents: This is an open-end loan being made pursuant to\nConnecticut Statutes Sections 36a-555 to 573.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\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.\n\nFlorida Residents: You (borrower) agree that, should we obtain a judgment\nagainst you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and\nFederal law.\n\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\nof your current mailing address, and the Purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if your Purchase was\nbased on an advertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit Card for the Purchase. Purchases made with\nCash Advances from an ATM or with a check that accesses your Account do\nnot qualify.\n3. You must not yet have fully paid for the Purchase.\n\nMissouri Residents: Oral agreements or commitments to loan money, extend\ncredit or to forbear from enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect you (borrower(s))\nand us (creditor) from misunderstanding or disappointment, any agreements\nwe reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we\nmay later agree in writing to modify it.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe Purchase, contact us in writing at ATIRAcredit, P.O. Box 14542,\nDes Moines, IA 50306-3542.\n\nNew York Residents: We may obtain a credit report in connection with\nthis Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether\nsuch report was requested and, if so, the name and address of the consumer\nreporting agency furnishing the report. New York residents may contact the New\nYork State Banking Department at 877.226.5697 to obtain a comparative listing\nof credit card rates, fees and grace periods.\n\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.\n\nOhio Residents: The Ohio laws against discrimination require that all creditors\nmake credit equally available to all creditworthy customers and that credit\nreporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n\nDISPUTE RESOLUTION\nAny dispute, controversy or claim arising under or otherwise in connection with\nthis Agreement (including any breach, termination, validity or enforceability of\nany provision hereof) (a \xe2\x80\x9cDispute\xe2\x80\x9d) shall be resolved as follows: Either Party may\nsubmit the Dispute to non-binding mediation in the State of Iowa, in accordance\nwith the Rules of Arbitration then prevailing of the American Arbitration\nAssociation (the \xe2\x80\x9cRules\xe2\x80\x9d). The Parties will mutually agree upon the mediator.\nIf the Parties are unable to agree upon the mediator, the mediator will be\nselected by the Des Moines, Iowa office of the American Arbitration Association.\nIf the Dispute is not resolved through mediation within ten (10) business days\nafter the conclusion of the Hearing (as defined below), the Dispute may be\nsubmitted to arbitration in Des Moines, Iowa for resolution by final and binding\narbitration by a sole arbitrator under the Rules, upon written notice of demand\nfor arbitration by the Party seeking arbitration, setting forth the specifics of the\nmatter in controversy or the claim being made.\n\nSouth Dakota Residents: If you believe there have been any improprieties in\nmaking this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at\n1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone\nat 605.773.3421.\nWisconsin Residents: If you are married, please contact us immediately upon\nreceipt of this Agreement at 888.4.ATIRA.1 and provide us with the name and\naddress of your spouse. We are required to inform your spouse that we have\nopened a credit account for you.\nFOR FURTHER INFORMATION\nCall Cardmember Service at 888.4.ATIRA.1. This number is also shown on your\nbilling statement and on the back of your Card.\n\n\xe2\x80\x9cHearing\xe2\x80\x9d means a hearing before the mediator during which each Party\npresents its position regarding the Dispute.\nAPPLICABLE LAW AND ENFORCING OUR RIGHTS\nApplicable Law: The terms and enforcement of this Agreement shall be\ngoverned by federal law and the law of Iowa.\nArmed Forces: Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit.\nIn 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.\nThis rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit\ncard account). To hear this disclosure orally, please call 844.697.2550.\nEnforcing this Agreement: We can delay in enforcing or fail to enforce any of\nour rights under this Agreement without losing them.\nCollection Costs: If we refer collection of your Account to a lawyer who is not\nour salaried employee, you are liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action, to the extent applicable\nby law.\nAssignment: We may assign any or all of our rights and obligations under this\nAgreement to a third party.\nCalifornia Residents: A married applicant may apply for a separate account.\n\nThe ATIRAcredit\xe2\x84\xa2 Card is issued pursuant to a license by Mastercard\nInternational Incorporated. Mastercard and the Mastercard Brand Mark are\nregistered trademarks of Mastercard International Incorporated.\n\xc2\xa92017, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service mark\nand ATIRAcredit\xe2\x84\xa2 is a service mark of The Members Group, LLC.\n\n\x0c'


b'Mutual of Omaha Bank ATIRAcredit\xe2\x84\xa2 Rewards Mastercard\xc2\xae Terms and Conditions\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it\nApplies\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nFees\n\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2\n\nForeign Transaction\nFee\nPenalty Fees\n\xe2\x80\xa2 Overlimit Fee\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2\n\nReturned Payment Fee\n\n11.49% to 22.49% when you open your account based on your creditworthiness. After\n\nthat, your APR will vary with the market based on the Prime Rate.\n11.49% to 22.49% when you open your account based on your creditworthiness. After that, your\nAPR will vary with the market based on the Prime Rate.\n22.49% This APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month.\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.\nNone\nNone\nEither $10 or 4% of the amount of the cash advance, whichever is greater. Subject to applicable\nstate law limitations; please see additional terms and conditions for more information.\n3% of each transaction in U.S. Dollars.\n\nNone\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAVERAGE DAILY BALANCE\xe2\x80\x9d (including new transactions).\nThe information about the costs and benefits of the card described in these Terms and Conditions is accurate as of 04/05/18. This\ninformation may have changed. To find out what may have changed please visit www.mutualofomahabank.com for the latest\nversion or call 866.596.3061.\nCredit approval required. If this card is approved, your credit limit will be provided to you upon approval and may range from $500\nto $15,000, depending on your creditworthiness.\nPlease allow up to two (2) billing cycles for bonus reward points to post to your account.\nAdditional Terms and Conditions\nYour APR Can Fluctuate\nYour APR is variable and may increase or decrease monthly. The Purchase APR and Balance Transfer APR are determined by adding a\nmargin of 6.74% to 17.74% to the Prime Rate. The Cash Advance APR is determined by adding a margin of 17.74% to the Prime Rate.\nFor each billing period, we use the Prime Rate published in The Wall Street Journal ten (10) business days prior to your statement\nclosing date. If The Wall Street Journal does not publish the Prime Rate, we may substitute a similar published rate. A change in the\nAPR due to a change in the Prime Rate takes effect as the first day of the billing period for which we calculate the APR. We apply the\napplicable APR to any existing balances, subject to any promotional rates that may apply. If the Prime Rate increases, it will increase\nthe APR and interest charges on your Account, and it may increase your monthly payment. Your APRs may also be subject to\napplicable state rate caps.\nTerms of Your Account May Change\nWe may change the terms of your account as permitted by law. If we change any of these terms, we will notify you in advance as\nrequired by law.\n\n\x0cYou May Receive Future Offers With Different Terms\nAt any time in the future, we may extend new offers in connection with this account, including opportunities to transfer additional\nbalances. These new products and services may have different APRs, fees and other terms. We will provide any different terms when\nwe make you the new offer, and you may accept or decline any such offer.\nMinimum Income Requirement For This Card\nThe minimum gross annual income required for an account is $10,000.\nLate Payment Fee\nWe may add a late fee as outlined below to your Account for each billing period you fail to pay the Minimum Amount Due by the\nPayment Due Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past due amount after 7 days for VA; Up to 5%\nof past due payment after 10 days for NY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up to 5% of\nunpaid installment, not to exceed $10.00 after 15 days for ME; Up to 5% of unpaid installment, not to exceed $25.00 after 10 days\nfor WV; Up to the lesser of $5.00 or the balance on balances under $100 or $10.00 for balances over $100 after 30 days for NC; Up\nto the greater of $5.00 or 4% of amount of any delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of $7.20 or\n5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up to the greater of $7.80 or 5% of amount of the payment after 10\ndays for MN; Up to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of outstanding balance or $10.00 after 15\ndays in default for MA; Up to the greater of 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for CO, DC, FL\nand LA; Up to the lesser of 5% of payment due or $15.00 after 10 days for TX; Up to the greater of 5% of minimum required payment\nor $15.00 after 10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00 after 15 days for MO; Up to the\ngreater of $15.00 or 5% of amount past due for MI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of $20.00 or 10% of payment after 15 days in PA; Up\nto the greater of $24.50 or 5% of payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA, HI, IL, KS, MD, ND,\nNE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee\nWe may add a fee as outlined below to your Account if a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess this fee every time your check or payment is not\nhonored, as permitted by law. No fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA; Up to $25.00 if check remains unpaid for 15 days\nafter notice of dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI,\nMN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check\namount for GA.\nCash Advance Fee\nIf you use your Account or Card to obtain a Cash Advance, we will charge a Cash Advance fee of the greater of 4% of the cash\nadvance or $10.00, unless state law limits the amount we can charge, in which case the fee shall be the largest amount allowable\nunder state law. State law limits include, but are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of the amount of\neach cash advance or $5.00 for WV; Up to the greater of $2.00 or 2% of advance for TX; Up to the lesser of 2% of amount or $10.00\nfor IN; Up to the greater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA; Up to the greater of $10.00 or 4%\nof each cash advance ($30.00 maximum) for MN.\nOther Fees\nOther fees are identified in the Cardmember Agreement.\nAttestation and Authorizations\nI am applying to TMG Financial Services (TMGFS) for a credit card account. Everything that I have stated on the application is correct\nto the best of my knowledge. I understand that I must be at least 18 years of age and have a valid social security number, unless\notherwise specified to qualify for this offer.\nI understand that approval is based upon satisfying TMGFS\xe2\x80\x99 credit standards. I understand that I may not qualify for the lowest APR\ndisclosed above and that the APR that is offered to me will be determined by TMGFS\xe2\x80\x99 review of my credit report, information I\nsupplied on the application and other relevant information. TMGFS maintains the right not to open my account if: (a) the\ninformation provided on or with my application is incomplete, inaccurate or unverifiable; (b) I no longer meet TMGFS\xe2\x80\x99 standards for\ncreditworthiness; (c) my name and/or mailing address has been altered. I understand that the exact amount of my credit line will be\ndetermined after review of my application and other information.\n\n\x0cBy submitting this application, you authorize us to obtain credit reports in connection with your request for an account. If an account\nis opened, we may obtain credit reports in connection with additional extensions of credit, upgrade of the product or change in\nterms, the renewal, review or collection of your account or in connection with another permissible purpose.\nIf an account is opened, you will receive a Cardmember Agreement with your Welcome Letter and account opening disclosures. All\nterms and conditions of your account are contained in your Cardmember Agreement, Welcome Letter and Card Carrier. You agree to\nthese terms by using your account or by not closing the account within three (3) business days of receiving the Cardmember\nAgreement.\nYou certify that you are of age to legally contract and that you have read and reviewed all terms, conditions and disclosures\nprovided. You certify that the information you provide in connection with obtaining this credit card is complete and accurate. You\nunderstand that omission of information requested may be reason for denial.\nYou authorize us to receive and exchange information about you, including from your employer, your financial institution, credit\nbureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for\ncredit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that TMG Financial Services,\nits affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an\nautomatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls\naccording to your current plan. Upon your request, we will inform you of the name and address of each consumer reporting agency\nfrom which we obtained a consumer report relating to you.\nOur agreement with you will be governed by applicable State and Federal laws.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of\nterrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information\nthat identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we\nwill ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your\ndriver\xe2\x80\x99s license or other identifying information.\nSTATE SPECIFIC INFORMATION\nCalifornia Residents:\nA married applicant may apply for a separate account. Applicants: 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified\nthat a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the\nterms of your credit obligations.\nConnecticut Residents:\nThis is an open-end loan being made pursuant to Connecticut Statutes Sections 36a-555 to 573.\nFlorida Residents:\nYou (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and Federal law.\nMissouri Residents:\nOral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including\npromises to extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from\nmisunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.\nNew York Residents:\nWe may obtain a credit report in connection with this Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether such report was requested and, if so, the name and\naddress of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking\nDepartment at 877.226.5697 to obtain a comparative listing of credit card rates, fees and grace periods.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\n\n\x0cSouth Dakota Residents:\nIf you believe there have been any improprieties in making this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\nWisconsin Residents:\nIf you are married, please contact us immediately upon receipt of this Agreement at 866.596.3061 and provide us with the name\nand address of your spouse. We are required to inform your spouse that we have opened a credit account for you.\nBalance Transfers\nBalance Transfer requested at time of application are processed 10 days after receipt of request; if you wish to cancel the processing\nof a requested transfer(s) you must call before it is processed. You will not be charged interest on purchases or balance transfers if\nyou pay your entire balance by the due date each month. If you transfer a balance and do not pay the entire statement balance by\nthe due date each month (including the promotional balance), you will lose your grace period on both balance transfers and any new\npurchases until you pay the entire balance in full. A loss of your grace period could result in additional interest charges. Please\ncontinue to make your regular payments on transferred accounts until you receive confirmation the transfer has been completed.\nMinimum transfer amount of $100. If your balance transfer request will exceed your available credit, we will process your transfer\nfor less than the amount requested, in the order requested. By signing the application you authorize TMG Financial Services to pay\nany account listed on the form and add the balance to your new Mutual of Omaha Bank Mastercard.\nReview all terms and conditions for complete details. Please call cardmember service at 866.596.3061 if you have additional\naccounts you would like to transfer.\nThis Platinum Mastercard is provided by ATIRAcredit. Mastercard, Platinum Mastercard and the Mastercard Brand Mark are\nregistered trademarks of Mastercard International Incorporated. \xc2\xa92018, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service\nmark and ATIRAcredit\xe2\x84\xa2 is a service mark of the Members Group, LLC.\n\n\x0c'


b'ATIRAcredit\xe2\x84\xa2 Serenity Mastercard\xc2\xae Terms and Conditions\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it\nApplies\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nFees\n\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\xe2\x80\xa2 Cash Advance Fee\n\xe2\x80\xa2\n\nForeign Transaction\nFee\nPenalty Fees\n\xe2\x80\xa2 Overlimit Fee\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2\n\nReturned Payment Fee\n\n10.49% to 21.49% when you open your account based on your creditworthiness. After\n\nthat, your APR will vary with the market based on the Prime Rate.\n10.49% to 21.49% when you open your account based on your creditworthiness. After that, your\nAPR will vary with the market based on the Prime Rate.\n21.49% This APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date each month.\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.\nNone\nNone\nEither $10 or 4% of the amount of the cash advance, whichever is greater. Subject to applicable\nstate law limitations; please see additional terms and conditions for more information.\n1% of each transaction in U.S. Dollars.\n\nNone\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\nUp to $25. Fees may vary by state; please see additional terms and conditions for more\ninformation.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAVERAGE DAILY BALANCE\xe2\x80\x9d (including new transactions).\nThe information about the costs and benefits of the card described in these Terms and Conditions is accurate as of 04/05/2018.\nThis information may have changed. To find out what may have changed please visit www.ATIRAcredit.com for the latest version\nor call 888.4.ATIRA.1 (888.428.4721).\nCredit approval required. If this card is approved, your credit limit will be provided to you upon approval and may range from $500\nto $15,000, depending on your creditworthiness.\nAdditional Terms and Conditions\nYour APR Can Fluctuate\nYour APR is variable and may increase or decrease monthly. The Purchase APR and Balance Transfer APR are determined by adding a\nmargin of 5.74% to 16.74% to the Prime Rate. The Cash Advance APR is determined by adding a margin of 16.74% to the Prime Rate.\nFor each billing period, we use the Prime Rate published in The Wall Street Journal ten (10) business days prior to your statement\nclosing date. If The Wall Street Journal does not publish the Prime Rate, we may substitute a similar published rate. A change in the\nAPR due to a change in the Prime Rate takes effect as the first day of the billing period for which we calculate the APR. We apply the\napplicable APR to any existing balances, subject to any promotional rates that may apply. If the Prime Rate increases, it will increase\nthe APR and interest charges on your Account, and it may increase your monthly payment. Your APRs may also be subject to\napplicable state rate caps.\nTerms of Your Account May Change\nWe may change the terms of your account as permitted by law. If we change any of these terms, we will notify you in advance as\nrequired by law.\nYou May Receive Future Offers With Different Terms\n\n\x0cAt any time in the future, we may extend new offers in connection with this account, including opportunities to transfer additional\nbalances. These new products and services may have different APRs, fees and other terms. We will provide any different terms when\nwe make you the new offer, and you may accept or decline any such offer.\nMinimum Income Requirement For This Card\nThe minimum gross annual income required for an account is $10,000.\nLate Payment Fee\nWe may add a late fee as outlined below to your Account for each billing period you fail to pay the Minimum Amount Due by the\nPayment Due Date (unless otherwise limited by state law). No fee for CT; Up to 5% of past due amount after 7 days for VA; Up to 5%\nof past due payment after 10 days for NY; Up to the greater of 5% of unpaid amount or $10.00 after 10 days for WY; Up to 5% of\nunpaid installment, not to exceed $10.00 after 15 days for ME; Up to 5% of unpaid installment, not to exceed $25.00 after 10 days\nfor WV; Up to the lesser of $5.00 or the balance on balances under $100 or $10.00 for balances over $100 after 30 days for NC; Up\nto the greater of $5.00 or 4% of amount of any delinquency after 15 days for MS; Up to $7.00 for CA; Up to the greater of $7.20 or\n5% of unpaid payment after 10 days, not to exceed $18.00 in SC; Up to the greater of $7.80 or 5% of amount of the payment after 10\ndays for MN; Up to 10% of payment amount after 10 days for WA; Up to the lesser of 10% of outstanding balance or $10.00 after 15\ndays in default for MA; Up to the greater of 5% of installment or $15.00 after 7 days for KY; Up to $15.00 after 10 days for CO, DC, FL\nand LA; Up to the lesser of 5% of payment due or $15.00 after 10 days for TX; Up to the greater of 5% of minimum required payment\nor $15.00 after 10 days for OH and ID; Up to the greater of 5% of minimum payment or $15.00 after 15 days for MO; Up to the\ngreater of $15.00 or 5% of amount past due for MI and MT; Up to $15.00 for IA; Up to the greater of $18.00 or 5% of payment in\ndefault after 10 days in AL; Up to $18.50 after 10 days for IN; Up to the greater of $20.00 or 10% of payment after 15 days in PA; Up\nto the greater of $24.50 or 5% of payment after 10 days for OK; Up to $25.00 for AA, AE, AK, AP, AR, AZ, DE, GA, HI, IL, KS, MD, ND,\nNE, NH, NJ, NM, NV, OR, RI, SD, TN, UT, VI, VT and WI.\nReturned Payment Fee\nWe may add a fee as outlined below to your Account if a payment check or similar instrument is not honored or returned because it\ncannot be processed, or if an automatic debit is returned unpaid. We may assess this fee every time your check or payment is not\nhonored, as permitted by law. No fee for WY; Up to $10.00 for NV; Up to $15.00 after 2nd presentment for MD; Up to $20.00 for CT,\nFL, ID, NY, OH and OR; Up to the greater of $20.00 or 5% of amount due for IA; Up to $25.00 if check remains unpaid for 15 days\nafter notice of dishonor is sent for MS; Up to $25.00 for AA, AE, AK, AL, AP, AR, AZ, CA, CO, DC, DE, HI, IL, IN, KS, KY, LA, MA, ME, MI,\nMN, MO, MT, NC, ND, NE, NH, NJ, NM, OK, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI and WV; Up to $25.00 or 5% of check\namount for GA.\nCash Advance Fee\nIf you use your Account or Card to obtain a Cash Advance, we will charge a Cash Advance fee of the greater of 4% of the cash\nadvance or $10.00, unless state law limits the amount we can charge, in which case the fee shall be the largest amount allowable\nunder state law. State law limits include, but are not limited to: Up to $0.25 for IL and NV; Up to the lesser of 1.5% of amount of each\ncash advance or $5.00 for WV; Up to the greater of $2.00 or 2% of advance for TX; Up to the lesser of 2% of amount or $10.00 for IN;\nUp to the greater of 2.5% of amount advanced or $2.00 for CO; Up to 4% of advance for LA; Up to the greater of $10.00 or 4% of\neach cash advance ($30.00 maximum) for MN.\nOther Fees\nOther fees are identified in the Cardmember Agreement.\nAttestation and Authorizations\nI am applying to TMG Financial Services (TMGFS) for a credit card account. Everything that I have stated on the application is correct\nto the best of my knowledge. I understand that I must be at least 18 years of age and have a valid social security number, unless\notherwise specified to qualify for this offer.\nI understand that approval is based upon satisfying TMGFS\xe2\x80\x99 credit standards. I understand that I may not qualify for the lowest APR\ndisclosed above and that the APR that is offered to me will be determined by TMGFS\xe2\x80\x99 review of my credit report, information I\nsupplied on the application and other relevant information. TMGFS maintains the right not to open my account if: (a) the\ninformation provided on or with my application is incomplete, inaccurate or unverifiable; (b) I no longer meet TMGFS\xe2\x80\x99 standards for\ncreditworthiness; (c) my name and/or mailing address has been altered. I understand that the exact amount of my credit line will be\ndetermined after review of my application and other information.\nBy submitting this application, you authorize us to obtain credit reports in connection with your request for an account. If an account\nis opened, we may obtain credit reports in connection with additional extensions of credit, upgrade of the product or change in\nterms, the renewal, review or collection of your account or in connection with another permissible purpose.\n\n\x0cIf an account is opened, you will receive a Cardmember Agreement with your Welcome Letter and account opening disclosures. All\nterms and conditions of your account are contained in your Cardmember Agreement, Welcome Letter and Card Carrier. You agree to\nthese terms by using your account or by not closing the account within three (3) business days of receiving the Cardmember\nAgreement.\nYou certify that you are of age to legally contract and that you have read and reviewed all terms, conditions and disclosures\nprovided. You certify that the information you provide in connection with obtaining this credit card is complete and accurate. You\nunderstand that omission of information requested may be reason for denial.\nYou authorize us to receive and exchange information about you, including from your employer, your financial institution, credit\nbureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility for\ncredit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that TMG Financial Services,\nits affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may contact you using an\nautomatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider may charge you for calls\naccording to your current plan. Upon your request, we will inform you of the name and address of each consumer reporting agency\nfrom which we obtained a consumer report relating to you.\nOur agreement with you will be governed by applicable State and Federal laws.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of\nterrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify and record information\nthat identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we\nwill ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your\ndriver\xe2\x80\x99s license or other identifying information.\nSTATE SPECIFIC INFORMATION\nCalifornia Residents:\nA married applicant may apply for a separate account. Applicants: 1) may, after credit approval, use the credit card account up to its\ncredit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified\nthat a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the\nterms of your credit obligations.\nConnecticut Residents:\nThis is an open-end loan being made pursuant to Connecticut Statutes Sections 36a-555 to 573.\nFlorida Residents:\nYou (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or\ngarnished (paid to us by your employer), as provided by Florida and Federal law.\nMissouri Residents:\nOral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including\npromises to extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from\nmisunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the\ncomplete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.\nNew York Residents:\nWe may obtain a credit report in connection with this Account, including for any review, modification, renewal or collections\nassociated with this Account. Upon your request, you will be informed whether such report was requested and, if so, the name and\naddress of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking\nDepartment at 877.226.5697 to obtain a comparative listing of credit card rates, fees and grace periods.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nSouth Dakota Residents:\nIf you believe there have been any improprieties in making this loan or in the lender\xe2\x80\x99s loan practices, you may contact the South\nDakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.\n\n\x0cWisconsin Residents:\nIf you are married, please contact us immediately upon receipt of this Agreement at 888.4.ATIRA.1 and provide us with the name\nand address of your spouse. We are required to inform your spouse that we have opened a credit account for you.\nBalance Transfers\nBalance Transfer requested at time of application are processed 10 days after receipt of request; if you wish to cancel the processing\nof a requested transfer(s) you must call before it is processed. You will not be charged interest on purchases or balance transfers if\nyou pay your entire balance by the due date each month. If you transfer a balance and do not pay the entire statement balance by\nthe due date each month (including the promotional balance), you will lose your grace period on both balance transfers and any new\npurchases until you pay the entire balance in full. A loss of your grace period could result in additional interest charges. Please\ncontinue to make your regular payments on transferred accounts until you receive confirmation the transfer has been completed.\nMinimum transfer amount of $100. If your balance transfer request will exceed your available credit, we will process your transfer\nfor less than the amount requested, in the order requested. By signing the application you authorize TMG Financial Services to pay\nany account listed on the form and add the balance to your new ATIRAcredit Card.\nReview all terms and conditions for complete details. Please call cardmember service at 888.4.ATIRA.1 (888.428.4721) if you have\nadditional accounts you would like to transfer.\nATIRAcredit makes your privacy a priority; please visit www.ATIRAcredit.com for a copy of our privacy pledge.\nThis Mastercard is provided by ATIRAcredit. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard\nInternational Incorporated. \xc2\xa92018, TMG Financial Services, Inc. ATIRA\xc2\xae is a registered service mark and ATIRAcredit\xe2\x84\xa2 is a service\nmark of the Members Group, LLC.\n\n\x0c'