b'First Savings Bank\nCredit Card Contract and Initial Disclosure Statement\n\nM-131466\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 at:\nFirst Savings Credit Card, PO Box 85620, Sioux Falls, SD 57118. 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 not\npay the amount we think you owe. If 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 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\nas delinquent, 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\nyour bill 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\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right,\nall of the following must be true: 1) The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more than $50. These limitations do\nnot apply if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services. 2) You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not qualify. 3) You must not yet\nhave fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at: First Savings Credit Card, PO Box 85620, Sioux Falls, SD 57118. While we investigate,\nthe same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think 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.\nIN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY.\nARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. YOU\nALSO AGREE ANY ARBITRATION WILL BE LIMITED TO THE DISPUTE BETWEEN YOU AND US AND WILL\nNOT BE PART OF A CLASS-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\nincludes, without limitation, all claims or demands (whether past, present or future, including events that occurred\nprior to the opening of this account), based on any legal or equitable theory (tort, contract or otherwise), and\nregardless of the type of relief sought (i.e. money, injunctive relief or declaratory relief). A dispute includes, by\nway of example and without limitation, any claim based upon federal or state constitution, statute, ordinance,\nregulation, or common law, and any issue concerning the validity, enforceability or scope of this arbitration\nagreement. The term \xe2\x80\x9cyou\xe2\x80\x9d includes any authorized user and also your heirs, guardian, personal representative\nor trustee in bankruptcy. The term \xe2\x80\x9cus\xe2\x80\x9d includes our employees, officers, directors, attorneys, affiliated companies,\npredecessors and assigns, as well as our marketing, 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\n\t\t\t\n\n\t\t\n\n\t\t\n\n\t\t\n\nJAMS, The Resolution Experts\n1920 Main Street, Suite 300\nIrvine, CA 92614\nWebsite: www.jamsadr.com\nPhone: (949) 224-1810 or (800) 352-5267\nThe policies and procedures of the arbitrator will apply provided that they are consistent with this arbitration\nagreement. To the extent the arbitrator\xe2\x80\x99s rules or procedures are different than the terms of this arbitration\nagreement, the terms of this arbitration agreement shall apply. If either of the arbitration firms are not available\nto adjudicate the matter, or if the neither is convenient or acceptable to you, you and we may agree on one or\nmore neutral arbitrators. If you and we cannot agree on arbitrator(s), an arbitrator will be appointed by a court with\njurisdiction over the matter pursuant to the FAA.\nCost of Arbitration: We will pay the filing fee and any costs or fees charged by the arbitrator regardless of\nwhether you or we initiate the arbitration. Except where otherwise provided by applicable law, each party will be\nresponsible for its own attorneys\xe2\x80\x99 fees and other expenses. Unless prohibited by law, the arbitrator may award\nfees, costs and reasonable attorneys\xe2\x80\x99 fees to the party who substantially prevails in the arbitration.\nPlace of Arbitration: Unless you and we agree to a different location, the arbitration will be held in the same\ncity as the U.S. District Court closest to your then-current mailing address. The arbitrator may decide the matter\nbased upon written submissions by the parties if permitted under the arbitration rules.\nWaiver of Rights: You are waiving your right to a jury trial, to have a court decide your dispute, to participate in a\nclass action lawsuit and to certain discovery and other procedures that are available in a lawsuit. The arbitrator\nhas the ability to award all remedies available by statute, at law or in equity to the prevailing party. You and we\nagree that the arbitrator has no authority to conduct class-wide proceedings and will be restricted to resolving the\nindividual disputes between you and us. If an arbitration firm or arbitrator fails or refuses to enforce the waiver of\nclass-wide arbitration, then the dispute will proceed in court. The validity, effect and enforceability of this waiver of\nclass action lawsuit and class-wide arbitration is to be determined solely by a court of competent jurisdiction and\nnot by the arbitration firm or arbitrator. If such court refuses to enforce the class-wide arbitration waiver, then it is\nagreed the dispute will proceed in court rather than arbitration.\nAmerican Arbitration Association\n335 Madison Avenue, Floor 10\nNew York, NY 10017-4605\nWebsite: www.adr.org\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 Savings Credit Card, PO Box 85620, Sioux Falls, SD 57118-5620.\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\x0c28. Headings: The headings used in this contract are for the convenience of reference only and are not intended in\nany way to define or describe the scope or intent of any provision of this contract.\n29. State Notices:\na. California residents: A married applicant may apply for a separate account. As required by law, you are\nhereby notified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the\nterms of your credit obligations. After credit approval, each applicant shall have the right to use the account up\nto the limit of the 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\nprotection at any time.\nd. New York residents: Consumer reports may be requested in connection with the processing of the application\nand any resulting account. Upon your request, we will inform you of the names and addresses of any consumer\nreporting agencies which have provided us with such reports. New York residents may contact the New York\nDepartment of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New\nYork Department of Financial Services 1-800-342-3736 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'


b'BLCLR-D-0121 (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\nBlaze Mastercard\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\nor before the REPLY BY DATE; 3) continue to meet our minimum credit criteria; 4) provide information that can\nconfirm your income and that you are 18 years old or older; 5) meet our debt-to-income requirements; and 6) NOT\nhave any other Blaze Mastercard Credit Card issued by First Savings Bank. This offer is not available to active\nduty military personnel and their dependents who are covered borrowers (as defined in 32 C.F.R. 232.3) under the\nMilitary 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 Mastercard with at least a $350 credit limit, up to a\nmaximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in\ngood standing 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\nlimit some but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday\nbusiness. We do not share your personal information except as permitted by law to process your transactions, maintain your\naccount(s), respond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services\nto you. We will provide a complete privacy notice when your account is approved. If you would like a copy of our privacy\nnotice, you may obtain one by visiting our website at www.blazecc.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 the credit card offer, you are authorizing us to obtain credit reports about you, both now\nand in the future, for any legitimate business purpose associated with the account or request for an account, including but\nnot limited to reviewing, modifying, renewing or collecting on your account. We may report information about your account to\ncredit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.\nYou and each authorized user agree that we may report account information to credit reporting agencies in the names of\nboth you 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.\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\nof this 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 Savings Bank\n(Beresford, SD) 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)\nwho applied to 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\ncredit card account 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\nbalance you can 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\nthe balance under the terms of this contract. You need to sign the back of the card. You need to protect and control\nthe card by not letting any other person use it. If you let another person use it, you agree to be responsible for any\ncharges they make. We may let you add an authorized user to your account. An authorized user is any person you\ngive permission to use the card or your account. If you add an authorized user, you agree to pay for any charges they\nmake as well as any related fees or interest. If you do not pay for the charges made by the authorized user, we may\nchoose to collect directly from them. If you want to remove an authorized user from your account, you need to get the\ncard from them and notify us. If you cannot get the card, contact us immediately and we will close the account to try to\n\n\x0c2.\n\nstop further charges. The cards remain our property and you agree to return them at our request or we have the right\nto have a merchant keep the card and return it to us. If your card is lost or stolen or you suspect unauthorized use of\nyour account, you agree to notify us immediately.\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\nare concerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of\ncharges you can make on the account. You may be assigned a PIN (Personal Identification Number) or you may\nrequest a PIN to use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account\ncannot be used for 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\nyour credit limit immediately.\n\n4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest.\nIt will 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\na payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights\nto collect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive\nthem and will not be liable for any fees that may result. We will post payments when received but we may restrict your\nability to make new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid\nfrom your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can\nget a copy of 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\npay at least the minimum payment each month by the payment due date. The payment due date will be 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\nat the 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\nUnited States. Do not send cash through the mail.\n\n9.\n\nWhen 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 ending balance. Ending balance means the balance on your account at the\nend of any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum\nof the previous balance (the ending balance on your last statement) less payments and credits, plus new purchases\nand new cash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending\nbalance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate\nof 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 (866) 2058311, 24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will\nnot be responsible 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\ncharge. Although you may have the credit available, we may be unable to authorize credit due to system difficulties or\nmistakes. If 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\nbe recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone\ncalls to contact you at any number you provide to us or that we obtain, including any cellular telephone number. You\nagree that we will not be responsible for the release of information to anyone who has gained possession of a card or\nidentification number, credit account number or social security number.\n\n\x0c14. 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 number\nprovided. We may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this\nphone number to contact you for any business purpose about your account and you agree to be responsible for any\nfees or charges you incur as a result of providing this information. We may offer options for text messages or other\nelectronic communications that may be received or accessed from your cellular phone and you agree that by enrolling\nin these services, you understand and agree to be responsible for any fees or charges you incur as a result of this\nenrollment.\n15. 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: Blaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. In your letter, give us the following\ninformation: Your name and account number; the dollar amount of the suspected error; a description of the problem.\nIf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us; 1) Within 60 days after the error appeared on your statement; and, 2) If you have enrolled in\nautomatic payment, at least 3 business days before the payment is scheduled if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call us but if you do, we are\nnot required 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 that\nwe received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your\nletter, 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 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\nthe 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 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\nare questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us. If we do not follow all of the rules above,\nyou do 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\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:\nBlaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. While we investigate, the same rules apply\nto the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing\nthem.\n17. 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 collection. We may report information\nabout your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report. You and each authorized user agree that we may report account information to credit\nreporting agencies 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\nas is required by law. You may have the right to reject the change in terms, depending on the type of change, and if\nyou do, your 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.\n\n\x0c21. 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 paid\nin full. If your account is in default and you try to make charges, we can use any legal means to recover the card(s)\nincluding listing your account in warning bulletins and offering rewards for the return of the cards. If you resolve a\ndefault situation, we can still declare the same or another default later on your account.\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\nhave no 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\nway to 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\nof the 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. New York Residents: Consumer reports may be requested in connection with the processing of the application\nand any resulting account. Upon your request, we will inform you of the names and addresses of any consumer\nreporting agencies which have provided us with such reports. New York residents may contact the New York\nDepartment of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New\nYork Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\nd. 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'


b'BL-CLR-DIG-D-0121\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\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$20 annually (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\nBlaze Mastercard\xc2\xae Credit Card Important Information: Please take the time to read and save.\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\nyour name, address, date of birth and other information that will allow us to identify you. This offer is not available to active\nduty military personnel and their dependents who are covered borrowers (as defined in 32 C.F.R. 232.3) under the Military\nLending Act.\nQualify For Future Unsecured Credit: Initially, you will be issued a Mastercard with at least a $350 credit limit, up to a\nmaximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in\ngood standing 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\nlimit some but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday\nbusiness. We do not share your personal information except as permitted by law to process your transactions, maintain your\naccount(s), respond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services\nto you. We will provide a complete privacy notice when your account is approved. If you would like a copy of our privacy\nnotice, you may obtain one by visiting our website at www.blazecc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nAuthorization / Notices: By applying, you are requesting credit from us. You confirm that all information you provide to us\nis true and correct.\nCredit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now\nand in the future, for any legitimate business purpose associated with the account or request for an account, including but\nnot limited to reviewing, modifying, renewing or collecting on your account. We may report information about your account to\ncredit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.\nYou and each authorized user agree that we may report account information to credit reporting agencies in the names of\nboth you 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\nmay request cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634,\nSioux Falls, SD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your\nacceptance of the membership and associated fee. This program is offered and administered by CAPITAL Enhancement\nServices, LLC. The PREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\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\nof this 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 Savings Bank\n(Beresford, SD) 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)\nwho applied to 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\ncredit card account 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\nbalance you can 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\nthe balance under the terms of this contract. You need to sign the back of the card. You need to protect and control\nthe card by not letting any other person use it. If you let another person use it, you agree to be responsible for any\ncharges they make. We may let you add an authorized user to your account. An authorized user is any person you\ngive permission to use the card or your account. If you add an authorized user, you agree to pay for any charges they\nmake as well as any related fees or interest. If you do not pay for the charges made by the authorized user, we may\nchoose to collect directly from them. If you want to remove an authorized user from your account, you need to get the\ncard from them and notify us. If you cannot get the card, contact us immediately and we will close the account to try to\nstop further charges. The cards remain our property and you agree to return them at our request or we have the right\nto have a merchant keep the card and return it to us. If your card is lost or stolen or you suspect unauthorized use of\nyour account, you agree to notify us 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\nare concerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of\ncharges you can make on the account. You may be assigned a PIN (Personal Identification Number) or you may\nrequest a PIN to use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account\ncannot be used for 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\nyour credit limit immediately.\n\n\x0c4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest.\nIt will 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\na payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights\nto collect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive\nthem and will not be liable for any fees that may result. We will post payments when received but we may restrict your\nability to make new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid\nfrom your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can\nget a copy of 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\npay at least the minimum payment each month by the payment due date. The payment due date will be 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\nat the 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\nUnited States. Do not send cash through the mail.\n\n9.\n\nWhen 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 ending balance. Ending balance means the balance on your account at the\nend of any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum\nof the previous balance (the ending balance on your last statement) less payments and credits, plus new purchases\nand new cash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending\nbalance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate\nof 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 (866) 2058311, 24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will\nnot be responsible 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\ncharge. Although you may have the credit available, we may be unable to authorize credit due to system difficulties or\nmistakes. If 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\nbe recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone\ncalls to contact you at any number you provide to us or that we obtain, including any cellular telephone number. You\nagree that we will not be responsible for the release of information to anyone who has gained possession of a card or\nidentification number, 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\nproviding this phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number\nprovided. We may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this\nphone number to contact you for any business purpose about your account and you agree to be responsible for any\nfees or charges you incur as a result of providing this information. We may offer options for text messages or other\nelectronic communications that may be received or accessed from your cellular phone and you agree that by enrolling\nin these services, you understand and agree to be responsible for any fees or charges you incur as a result of this\nenrollment.\n15. 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: Blaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. In your letter, give us the following\ninformation: Your name and account number; the dollar amount of the suspected error; a description of the problem.\nIf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\n\n\x0cYou must contact us; 1) Within 60 days after the error appeared on your statement; and, 2) If you have enrolled in\nautomatic payment, at least 3 business days before the payment is scheduled if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call us but if you do, we are\nnot required 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 that\nwe received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your\nletter, 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 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\nthe 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 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\nare questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us. If we do not follow all of the rules above,\nyou do 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\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:\nBlaze Mastercard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. While we investigate, the same rules apply\nto the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing\nthem.\n17. 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 collection. We may report information\nabout your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report. You and each authorized user agree that we may report account information to credit\nreporting agencies 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\nas is required by law. You may have the right to reject the change in terms, depending on the type of change, and if\nyou do, your 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.\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 paid\nin full. If your account is in default and you try to make charges, we can use any legal means to recover the card(s)\nincluding listing your account in warning bulletins and offering rewards for the return of the cards. If you resolve a\ndefault situation, we can still declare the same or another default later on your account.\n\n\x0c22. 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\nhave no 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\nway to 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\nof the 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. New York Residents: Consumer reports may be requested in connection with the processing of the application\nand any resulting account. Upon your request, we will inform you of the names and addresses of any consumer\nreporting agencies which have provided us with such reports. New York residents may contact the New York\nDepartment of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New\nYork Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\nd. 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'