b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nMastercard Standard\n\n3.99%\n\nIntroductory APR for a period of six billing cycles.\n\n7.75% to 17.95%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard Rewards\n\n10.15% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard World Card\n\n12.99% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nMastercard Standard\n3.99% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.75% to 17.95%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard Rewards\n10.15% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard World Card\n12.99% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501990-MXC10-P-1-051820 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nMastercard Standard\n7.75% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard Rewards\n10.15% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nMastercard World Card\n12.99% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and When it Applies\n\nMastercard Standard\n17.95%\nMastercard Rewards\n17.95%\nMastercard World Card\n17.95%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\n1.00% of each transaction in U.S. dollars\nUp to $28.00\nUp to $28.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Mastercard Standard:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first\nsix billing cycles following issuance of your card. Any existing balances on 1st Advantage Federal Credit Union loan or\ncredit card accounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if\nyou are 60 days late in making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501990-MXC10-P-1-051820 (MXC101-E)\n\n\x0cEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 6/1/2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Mastercard Standard, Mastercard Rewards and Mastercard World Card are secured\ncredit cards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically\npledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or\njoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account\nthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have\nwith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that\nduring any periods when you are a covered borrower under the Military Lending Act your credit card will be\nsecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any\nindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you\nestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nReturned Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$5.00.\nRush Fee:\n$15.00 overnight.\nStatement Copy Fee:\n$3.00 per document.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04501990-MXC10-P-1-051820 (MXC101-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\n\nM-128653\n9/2019\n\nMASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to 1st Advantage Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and\n\xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other\naccess devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit\nestablished by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04501990-MXC30-P-1-031519 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You 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 one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n\n9/2019\n04501990-MXC30-P-1-031519 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nYour bill or call Us toll-free at 800-449-7728 or 855-584-2958, seven days a week and weekends 24 hours a day. You\nmay also contact Us on the Web: www.1stadvantage.org or answers@1stadvantage.org.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 5\n\n9/2019\n04501990-MXC30-P-1-031519 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 4 of 5\n\n9/2019\n04501990-MXC30-P-1-031519 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement 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 to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n\n9/2019\n04501990-MXC30-P-1-031519 (MXC303-E)\n\n\x0c'


b'First National Bank\nCredit Card Contract and Initial Disclosure Statement\n\nM-131467\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n14.90% This APR will vary with the market based on the Prime Rate.\n\n23.90% This APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month.\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n2% of each transaction in U.S. dollars.\nPenalty Fees\nUp to $25\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph\n16 of this Contract.\n\n\x0c\x0c10. When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment\ndue date. We will charge interest on the average daily balance. Average daily balance starts with the previous\nbalance and adds purchases and cash advances as of their post dates and fees and charges as of the transaction\ndates. We subtract payments and credits as of their post dates. Then we add the daily balances and divide by the\nnumber of days in the billing cycle. Billing cycle means the time between two billing statements. To calculate the\ninterest on purchases, we multiply the average daily balance by the monthly periodic rate. The monthly periodic rate\nis calculated by dividing the annual percentage rate by 12 months. For purchases, the current Annual Percentage\nRate is 14.90% (Prime Rate plus 11.65%) with a 1.2417% current monthly periodic rate. For cash advances, the\ncurrent Annual Percentage Rate is 23.90% (Prime Rate plus 20.65%) with a 1.9917% periodic rate. If you are\ncharged interest, the charge will be no less than $1.00.\nVariable Rate APR: The Prime Rate is determined by using the \xe2\x80\x9cMoney Rates\xe2\x80\x9d column in the Wall Street Journal\non the first business day of each month, which is identified as \xe2\x80\x9cThe base rate on corporate loans at large, U.S.\nmoney center commercial banks.\xe2\x80\x9d If more than one \xe2\x80\x9cPrime Rate\xe2\x80\x9d is listed in that column, the largest rate listed will\nbe used. Your APR may increase or decrease if the Prime Rate changes.\n11. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will\naccrue interest:\na. Cash Advance Fee: You will be billed a fee of $10 or 4% of the amount of each cash advance, whichever is\ngreater, for each cash advance taken through an ATM, bank withdrawal or other means.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Foreign Transaction Fee: We charge a 2% fee for converting transactions to U.S. dollars if made in another\ncurrency.\n12. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free at (866)\n643-1256 24 hours a day. You should also write to us. Do not use the card or account after you have notified us.\nYou will not be responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized\nuse.\n13. If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a\ncharge. Although you may have the credit available, we may be unable to authorize credit due to system difficulties\nor mistakes. If your account is over the credit limit or past due, authorization for charges should be declined.\n14. Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives\nmay be recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded\ntelephone calls to contact you at any number you provide to us or that we obtain, including any cellular telephone\nnumber. You agree that we will not be responsible for the release of information to anyone who has gained\npossession of you card or identification number, credit account number or social security number.\n15. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are\nproviding this phone number for us, our affiliates or any third party acting on our behalf to call or text you at any\nnumber provided. We may contact you using an auto-dialer or pre-recorded voice message. You agree that we\nmay use this phone number to contact you for any business purpose about your account and you agree to be\nresponsible for any fees or charges you incur as a result of providing this information. We may offer options for text\nmessages or other electronic communications that may be received or accessed from your cellular phone and you\nagree that by enrolling in these services, you understand and agree to be responsible for any fees or charges you\nincur as a result of this enrollment.\n16. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us\nat: First National Credit Card, PO Box 5097, Sioux Falls, SD 57117. In your letter, give us the following information:\nYour name and account number; the dollar amount of the suspected error; a description of the problem. If you think\nthere is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must\ncontact us: 1) Within 60 days after the error appeared on your statement; and, 2) If you have enrolled in automatic\npayment, at least 3 business days before the payment is scheduled if you want to stop payment on the amount\nyou think is wrong. You must notify us of any potential errors in writing. You may call us but if you do, we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving\nyour letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question\nor report you as delinquent on that amount. The charge in question may remain on your statement and we may\ncontinue to charge you interest on that amount. While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to\npay the amount in question or any interest or other fees related to that amount. If we do not believe there was a\nmistake: You will have to pay the amount in 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 report you as delinquent if you do\n\n\x0cnot pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your 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 been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your\nbill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or\nservices that you have purchased with your 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 the purchase. To use this right, all of\nthe following must be true: 1) The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. These limitations do not apply if\nyour purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods\nor services. 2) You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify. 3) You must not yet have fully paid for the\npurchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFirst National Credit Card, PO Box 5097, Sioux Falls, SD 57117. While we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n17. ARBITRATION: PLEASE READ THIS CAREFULLY. YOU AGREE THAT ANY DISPUTE WILL BE RESOLVED\nBY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE\nRIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN\nARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION\nPROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. YOU ALSO AGREE ANY\nARBITRATION WILL BE LIMITED TO THE DISPUTE BETWEEN YOU AND US AND WILL NOT BE PART OF A\nCLASS-WIDE OR CONSOLIDATED ARBITRATION PROCEEDING.\nAgreement to Arbitrate: You and we agree that any dispute will be resolved by arbitration. This agreement is\ngoverned by the Federal Arbitration Act (FAA), 9 USCS \xc2\xa7 1 et seq. and the substantive law of the state of South\nDakota.\nDefinitions: Arbitration is a means of having an independent third party resolve a dispute. A \xe2\x80\x9cdispute\xe2\x80\x9d is any\ncontroversy or claim between you and us. The term dispute is to be given its broadest possible meaning and includes,\nwithout limitation, all claims or demands (whether past, present or future, including events that occurred prior to the\nopening of this account), based on any legal or equitable theory (tort, contract or otherwise), and regardless of the\ntype of relief sought (i.e. money, injunctive relief or declaratory relief). A dispute includes, by way of example and\nwithout limitation, any claim based upon federal or state constitution, statute, ordinance, regulation, or common law,\nand any issue concerning the validity, enforceability or scope of this arbitration agreement. The term \xe2\x80\x9cyou\xe2\x80\x9d includes\nany authorized user and also your heirs, guardian, personal representative or trustee in bankruptcy. The term \xe2\x80\x9cus\xe2\x80\x9d\nincludes our employees, officers, directors, attorneys, affiliated companies, predecessors and assigns, as well as our\nmarketing, servicing and collection representatives and agents.\nSelection of Arbitrator: If a dispute arises, the party asserting the claim or defense must initiate arbitration, provided\nyou or we may first try to resolve the matter informally or through customary business methods, including collection\nactivity. The party filing arbitration may initiate and pursue the matter with the American Arbitration Association\n(\xe2\x80\x9cAAA\xe2\x80\x9d) or JAMS, The Resolution Experts or we may agree upon a different arbitrator described below. If you claim\nyou have a dispute with us, but do not initiate arbitration or select an arbitrator, we may do so. You may obtain copies\nof the current rules of arbitration and forms and instructions for initiating arbitration by contacting them as follows:\n\t\t\t\t\n\nAmerican Arbitration Association\n335 Madison Avenue, Floor 10\nNew York, NY 10017-4605\nWebsite: www.adr.org\n\n\t\t\n\n\x0cReview of Arbitration Award: The arbitrator shall apply applicable federal and South Dakota substantive law and\nthe terms of your agreement with us. The arbitrator shall make written findings and the arbitrator\xe2\x80\x99s award may be\nfiled with any court having jurisdiction. The arbitration award shall be supported by substantial evidence and must\nbe consistent with your agreement with us and applicable law or may be set aside by a court upon judicial review.\nOther Provisions: If any portion of this arbitration agreement is subsequently deemed unenforceable, the\nenforceability of any other provision of this arbitration agreement shall not be affected and the unenforceable term\nshall be amended such that it is enforceable to the maximum extent permitted by law provided that if a class action\nlitigation or a class-wide arbitration is permitted for any reason, either party may require that the entire dispute be\nheard by a Judge, sitting without a jury, under applicable court rules and procedures. This arbitration provision\nshall survive: (i) termination or changes in your agreement with us, your card account, or the relationship between\nyou and us concerning your card account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment\nof the card account, or any amounts owed on the card account, to any other person or entity.\nRight to Opt-Out: If you do not wish to agree to arbitrate all disputes with us, you must advise us in writing at the\nfollowing address within thirty (30) days of our mailing this agreement to you at the most recent mailing address\nwe have for you: First National Credit Card, PO Box 5097, Sioux Falls, SD 57117-5097.\n18. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without\nlosing our right to enforce them at a later time.\n19. Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may\nobtain a credit report for reviewing, modifying the terms, renewing the account or collecting on the account. We\nmay report information about your account to credit bureaus. Late payments, missed payments, or other defaults\non your account may be reflected in your credit report. You and each authorized user agree that we may report\naccount information to credit reporting agencies in the names of both you and the authorized user.\n20. Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to\nyou as is required by law. You may have the right to reject the change in terms, depending on the type of change,\nand if you do, your account will be closed and you will be able to pay off the balance under the terms in effect at\nthat time.\n21. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant\ncredit will be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable\nto contracts, and applicable federal law.\n22. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation of any\ngovernmental agency, federal, state or local, it shall not affect the validity or enforceability of any other provision\nof this agreement.\n23. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\nIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation.\nWe can also require that you pay us the balance on your account. You agree that you will return the card(s) to us.\nEven if an account is in default, you agree to pay interest and fees as defined in this contract until your balance is\npaid in full. If your account is in default and you try to make charges, we can use any legal means to recover the\ncard(s) including listing your account in warning bulletins and offering rewards for the return of the cards. If you\nresolve a default situation, we can still declare your account in default for the same or different reason at a later\ntime.\n24. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree\nto pay the balance on the account under the terms of this contract. We can suspend your account privileges or\ncancel your account at any time, for any reason. We will notify you after we do so, unless you are in default at\nthat time. We will have no obligation to notify you prior to suspending your charging privileges or cancelling your\naccount.\n25. Our property: Each card that we issue on your account must be signed by the person named on it. You agree to\nsurrender the card upon demand by us or our agents.\n26. Refund of Initial Fees: If you cancel your account within 90 days after the contract is first mailed to you and if\nyou have not used your account for any charges, all fees and interest billed to your account will be credited back\nto your account.\n27. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you\nowe us by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n\n\x0c\x0c'


b'FNCLR-D-0521 (AFTI)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due date\neach month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nSet-up and Maintenance Fees\n\nAnnual Fee\nAuthorized User Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\nNOTICE: Some of these set-up and maintenance fees will be assessed before\nyou begin using your card and will reduce the amount of credit you initially have\navailable. For example, if you are assigned the minimum credit limit of $350, your\ninitial available credit will be only about $275 (or about $255 if you choose to have\nan authorized user).\n$75\n$20 annually (an optional fee if you add an additional cardholder to your account)\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cending balance\xe2\x80\x9d. We figure the interest charge on your\nAccount by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash\nadvances and fees) and deducting payments and credits made during the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph\n15 of this Contract.\n\n\x0cTerms and Conditions\nLegacy Visa\xc2\xae Credit Card Important Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nConditions Of This Pre-Approved Offer: You must: 1) be a resident of the United States; 2) accept this offer on or\nbefore the REPLY BY DATE printed on the application; 3) continue to meet our minimum credit criteria; 4) provide\ninformation on your application that can confirm your income and that you are 18 years old or older; 5) meet our\ndebt-to-income requirements; and 6) NOT have any other credit card issued by First National Credit Card. This offer\nis not available to active duty military personnel and their dependents who are covered borrowers (as defined in 32\nC.F.R. 232.3) under the Military Lending Act.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for your\nname, address, date of birth and other information that will allow us to identify you.\nQualify For Future Unsecured Credit: Initially, you will be issued a Visa with at least a $350 credit limit, up to a maximum\nof $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in good\nstanding and maintain your credit profile, you may be eligible to receive future credit limit increases.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.firstnationalcc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nAuthorization / Notices: By accepting this offer, you are requesting credit from us. You confirm that all information you\nprovide to us is true and correct.\nCredit Reports: By responding to this offer, you are authorizing us to obtain credit reports about you, both now and in the\nfuture, for any legitimate business purpose associated with the account or request for an account, including but not limited\nto reviewing, modifying, renewing or collecting on your account. We may report information about your account to credit\nbureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. You\nand each authorized user agree that we may report account information to credit reporting agencies in the names of both\nyou and the authorized user(s).\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\nOptional Payment Protection Plan Disclosure Terms: Payment Protection Plan is an optional program offered by First\nNational Bank to eligible credit card members. Whether or not you purchase the Payment Protection Plan will not\naffect your application for credit or the terms of any existing credit agreement you have with the bank. Upon\nenrollment, we will give you additional information before you are required to pay for the Payment Protection Plan. This\ninformation will include an addendum to your First National Bank Credit Card contract that fully describes the program\xe2\x80\x99s\nfeatures and benefits. Please read it carefully for a full explanation of terms including eligibility requirements, conditions\nand exclusions that could prevent you from receiving benefits and defines your cancellation rights. You may cancel your\nPayment Protection at any time and, if you cancel within the first 30 days, any fees charged will be refunded. Your monthly\ncost is $.89 per $100 of ending balance. Payment Protection Plan fees will be automatically charged to your account each\nmonth.\nBenefits are limited to the minimum monthly payments as of your date of unemployment, disability, hospitalization, military\nleave, certified family medical leave or jury duty up to a maximum of $5,000, or your balance as of your date of death up to\na maximum of $5,000. You must be enrolled in the Payment Protection Plan for at least 30 days before your claim occurs.\nWhile receiving benefits, you will be unable to make any new charges or cash advances on your credit card. There is a\n120-day wait period between qualified events. Unemployment, disability and military leave benefits cover your minimum\nmonthly payment up to 18 months per event. To qualify for unemployment and disability protection, you must work at least\n\n\x0c30 hours per week for at least 6 months before the loss. Disability coverage excludes pre-existing conditions for 12 months\nprior to enrollment, excludes normal pregnancy and excludes childbirth. Military leave applies if you are called to active duty.\nHospitalization benefits cover one minimum monthly payment per event. Certified family medical leave consists of caring\nfor a family member with a serious medical condition, caring for a newborn or caring for an adopted child. Certified family\nmedical leave and jury duty benefits cover your minimum monthly payment up to 3 months per event.\nFirst National Bank may cancel the Payment Protection Plan at any time including, but not limited to, if the account is in\ndefault, discharged or terminated, or if you have received the $5,000 maximum benefit. The amount of protection under this\ncontract has limits and may not cancel your entire balance or entire monthly payment. You are responsible for any amounts\npast due or any amounts over your credit limit before your date of loss.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to First National Bank (Ft. Pierre,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission to\nuse the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any\nrelated fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly\nfrom them. If you want to remove an authorized user from your account, you need to get the card from them and notify\nus. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The\ncards remain our property and you agree to return them at our request or we have the right to have a merchant keep the\ncard and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify\nus immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN to\nuse ATMs to obtain cash advances. The minimum ATM cash advance is $20.00. Your card and account cannot be used\nfor illegal charges. You may not use your card in connection with any gambling transaction.\n\n3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may\nnot go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your\ncredit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It\nwill also show your minimum payment and payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a\npayment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to\ncollect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them\nand will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to\nmake new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your\nbank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy\nof it at your request.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be at least twenty-five\n(25) days from the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying Your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees\nand other charges, and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United\nStates. Do not send cash through the mail.\n\n\x0c9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due\ndate. We will charge interest on the ending balance. Ending balance means the balance on your account at the end of\nany billing cycle. Billing cycle means the time between two billing statements.\nThe ending balance is the sum of the previous balance (the ending balance on your last statement) less payments\nand credits, plus new purchases and new cash advances and charges posted during the billing cycle. To calculate the\ninterest, we multiply the ending balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing\nthe annual percentage rate of 29.9% by 12 (months). The monthly periodic rate is 2.4917%.\n\n10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will\naccrue interest.\na. Annual Fee: A $75 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (888) 883-9824,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\nIf your account is over the credit limit or past due, authorization for charges should be declined.\n13. Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be\nrecorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to\ncontact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that\nwe will not be responsible for the release of information to anyone who has gained possession of a card or identification\nnumber, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\nthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at: First\nNational Bank, PO Box 5097, Sioux Falls, SD 57117-5097. In your letter, give us the following information: Your name\nand account number; the dollar amount of the suspected error; a description of the problem. If you think there is an error\non your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: 1) Within 60\ndays after the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business\ndays before the payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us\nof any potential errors in writing. You may call us but if you do, we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us. If we do not follow all of the rules above, you\ndo not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services. 2) You must have used\nyour credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met\n\n\x0cand you are still dissatisfied with the purchase, contact us in writing at: First National Bank, PO Box 5097, Sioux Falls,\nSD 57117-5097. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our\nright to enforce them at a later time.\n17. Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain\na credit report for reviewing, modifying the terms, renewing the account or collection. We may report information about\nyour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. You and each authorized user agree that we may report account information to credit reporting\nagencies in the names of both you and the authorized user(s).\n18. Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to you as\nis required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do,\nyour account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts,\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\nIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if\nan account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full.\nIf your account is in default and you try to make charges, we can use any legal means to recover the card(s) including\nlisting your account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation,\nwe can still declare your account in default for the same or different reason at a later time.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have\nnot used your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. Maine Residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection\nat any time.\nd. New York Residents: Consumer reports may be requested in connection with the processing of the application and\nany resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting\nagencies which have provided us with such reports. New York residents may contact the New York Department of\nFinancial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department\nof Financial Services 1-877-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\ne. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'