b"Pricing Information Addendum\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nPenalty APR and When It\nApplies\nMinimum Interest Charge\nGrace Period/Paying Interest\n\nBalance Computation Method\n\n29.9%\n29.9%\nNone\nIf you are charged interest, the charge will be no less than $1.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\nAverage Daily Balance (including new transactions)*\n\nFees\nMaintenance Fees\n\nNOTICE: These maintenance fees will be assessed before you begin using your card and\nwill reduce the amount of credit you initially have available. For example, if you are\nassigned a minimum credit limit of $300, your initial available credit will be only $225\n(or $205 if you choose to have an additional card).\n\n\xef\x82\x97Annual Fee\n\xef\x82\x97Additional Card Fee\nTransaction Fees\n\xef\x82\x97Cash Advance\n\xef\x82\x97Foreign Transaction\nPenalty Fees\n\xef\x82\x97Late Payment\n\xef\x82\x97Over-the-Credit Limit\n\xef\x82\x97Returned Payment\nOther Fees\n\xef\x82\x97Required Insurance,\nDebt Cancellation or\nSuspension Coverage\n\n$75 first year; $75 thereafter, billed at $6.25 per month.\n$20 annually (if applicable)\nEither $5 or 5% of the amount of each cash advance, whichever is greater.\n3% of each transaction in U.S. dollars.\nUp to $27\nNone\nUp to $27\n\nNone\n\n*Average Daily Balance (including new transactions). The Interest Charge on Purchases and Cash Advances is calculated\nusing the average daily balance method, including new transactions. Under this method, the Interest Charge for a billing\ncycle is computed by applying the monthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases or Cash Advances, as\napplicable. To calculate the average daily balance, we take the beginning balance of Purchases or Cash Advances on the\nCard Account each day, add any new Purchases or Cash Advances (which may include interest charges and other fees and\ncharges), and subtract any applicable payments and credits. This gives us the daily balance of Purchases or Cash Advances.\nAt the end of each billing cycle, we add up all these daily balances and divide by the number of days in the billing cycle to\ndetermine the average daily balance of purchases or advances for the billing cycle.\nPeriodic Rate. The monthly Periodic Rate for Purchases and Cash Advances is calculated by dividing the applicable Annual\nPercentage Rate disclosed by 12.\n\nTERMS & CONDITIONS\nThis MASTERCARD Cardholder Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d) governs the use of your MASTERCARD\ncredit card account issued by CorTrust Bank, N. A. (the \xe2\x80\x9cCard\xe2\x80\x9d or \xe2\x80\x9cCard Account\xe2\x80\x9d). Please read this\nAgreement carefully before using your Card or the Card Account. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each\n\n\x0cperson who applied for the Card Account and to each person to whom a Card is issued or uses a Card with your\nconsent (an \xe2\x80\x9cAuthorized User\xe2\x80\x9d). The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and the \xe2\x80\x9cBank\xe2\x80\x9d refer to CorTrust Bank, N.A.,\nMitchell, South Dakota, Member FDIC.\nYour application for the Card Account and your use of the Card constitute your agreement to the terms and\nconditions of this Agreement. Keep this Agreement so you can refer to it if you have any questions regarding\nyour Card Account. This Agreement is effective when you or an authorized user uses the Card or Card Account\nor if you fail to cut your Card in half and return it to us within 30 days after it is issued to you.\nPlease see the separate Privacy Notice that we are providing to you for important additional information\nconcerning our privacy policy and your privacy rights. This Agreement contains a binding arbitration\nprovision. Please see Section 23 for details regarding mandatory arbitration and your right to opt-out of\nsuch arbitration.\nYour acceptance of the Card will indicate your agreement to pay all charges incurred and any indebtedness\nincurred in accordance with the terms and conditions of this Agreement. These terms and conditions are subject\nto change from time to time, in our sole discretion, upon notice to you as required by law.\n1.\nUSING YOUR CARD: You may use your Card to make purchases of goods or services wherever\nMASTERCARD credit cards are accepted. You may obtain cash advances (i.e., loans of money) through\nparticipating financial institutions, including the Bank. Any cash equivalents obtained with the Card will also\nbe treated as cash advances. Each purchase or cash advance you obtain will reduce the available credit under\nyour credit limit until the purchase or cash advance is repaid. You promise to pay us the total amount of all\npurchases and cash advances, as well as all interest charges and other fees and charges, billed to your Card\nAccount.\n2.\nYOUR CREDIT LIMIT AND CREDIT AVAILABILITY: Your Card will be issued with a\nminimum initial credit limit of $300 and up to a maximum credit limit of $1,500. Please note that if you qualify\nfor a $300 credit limit, you will have available credit of $225 after applying the Annual Fee of $75. Optional\nfees may further reduce this amount. Your outstanding balance of cash advances may not exceed 50% of your\ncredit limit. We reserve the right to modify your credit limit from time to time. You agree not to engage in any\nCard transaction that would cause your outstanding balance to exceed your credit limit. At our sole discretion,\nwe may authorize a Purchase which exceeds your Credit Limit or otherwise permit additional credit. Your\ncurrent credit limit will appear on your monthly billing statement.\n3.\nCREDIT LIMIT INCREASES: If you make all your payments on time, pay substantially more than\nthe minimum due each month, and meet certain other criteria, we may, in our sole discretion based on this and\nother information, increase your credit limit.\n4.\nYOUR MONTHLY STATEMENT: Your Card Account will be on a monthly billing cycle. We will\nsend you a statement whenever there is activity or a balance on your Card Account. The bottom portion of the\nstatement will serve as your bill and should be returned with your payment. The upper portion of the statement\nitemizes your Card Account activity, including purchases, cash advances, other charges and payments posted\nduring the billing period. You should retain the upper portion of your statement for future reference and as a\nreceipt.\n5.\nMINIMUM PAYMENTS: If you want to reduce additional interest charges, you should pay your New\nBalance in full by the payment due date. If you prefer, you can pay less than the full New Balance, but you\nmust pay at least the Minimum Payment Due as shown on your statement. The Minimum Payment Due is the\nsum of (i) the greater of: $30; 4% of your New Balance; or 1% of your New Balance plus the current billing\n2\n\n\x0ccycle\xe2\x80\x99s Late Payment Fee and Interest Charges, plus (ii) any amount past due, plus (iii) any amount that your\nCard Account exceeds your assigned credit limit.\n6.\nMAKING PAYMENTS: We reserve the right to apply payments made on your Card Account in our\ndiscretion. We will give you immediate credit for Card Account payments for interest charge purposes, but we\nreserve the right to limit available credit resulting from any payment for up to ten days or until funds are\ncollected. You may not maintain a credit balance on your Card Account. If you send a payment in excess of\nthe full New Balance shown on your statement, we may, in our discretion, choose not to accept such payment\nand return the payment to you. In the alternative, we may apply such payment to your Card Account, in which\ncase your Card Account may be temporarily suspended and subject to further review. To ensure prompt\nposting, payments should be sent to the address located on your statement. Your payments must be made in\nU.S. currency only (personal check, money order, cashier\xe2\x80\x99s check, or electronic funds transfer). Do not send\ncash through the mail as we will not be responsible for cash lost in the mail.\nBy making payment with a check, you are authorizing the use of the information on your check to make a onetime electronic debit (electronic presentment) from the account on which the check is drawn. This electronic\ndebit, which may be posted to your account as early as the date your check is received, will be only for the\namount of your check. If you have any questions regarding opting out of electronic presentment, call the\ncustomer service number at 1-888-883-9826. If your check is returned unpaid for insufficient or uncollected\nfunds, we may also re-present your check electronically.\n7.\n\nCALCULATION OF INTEREST CHARGES:\n\nINTEREST CHARGES. Your Card Account is subject to interest charges as follows, each of which may be\ncharged to your Card Account as a purchase for the purpose of calculating periodic interest charges unless\notherwise noted.\nPURCHASES. The Interest Charge on Purchases is calculated using the average daily balance method,\nincluding new transactions. Under this method, the Interest Charge for a billing cycle is computed by applying\nthe monthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases. The monthly Periodic Rate is calculated\nas set for in Section 8 below. To calculate the average daily balance, we take the beginning balance of\nPurchases on the Card Account each day, add any new Purchases (which may include interest charges and other\nfees and charges), and subtract any applicable payments and credits. This gives us the daily balance of\npurchases. At the end of each billing cycle, we add up all these daily balances and divide by the number of days\nin the billing cycle to determine the average daily balance of purchases for the billing cycle.\nPAYING INTEREST ON PURCHASES. If you pay the New Balance shown on your prior month\xe2\x80\x99s periodic\nstatement in full by the due date shown on the statement, you will have a grace period on purchases of 25 days\n(from the statement closing date to the payment due date) and can avoid periodic interest charges on current\npurchases by paying the New Balance shown on your current statement in full by the due date.\nCASH ADVANCES. The Interest Charge on Cash Advances is calculated using the average daily balance\nmethod, including new advances. Under this method, the Interest Charge for a billing cycle is computed by\napplying the monthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash Advances. The monthly Periodic\nRate is calculated as set for in Section 8 below. To calculate the average daily balance, we take the beginning\nbalance of Cash Advances on the Card Account each day, add any new Cash Advances (which may include\ninterest charges and other fees and charges), and subtract any applicable payments and credits. This gives us\nthe daily balance of cash advances. At the end of each billing cycle, we add up all these daily balances and\ndivide by the number of days in the billing cycle to determine the average daily balance of advances for the\nbilling cycle.\n3\n\n\x0cPAYING INTEREST ON CASH ADVANCES. An Interest Charge on Cash Advances will be assessed from\nthe date the advance is posted to the Card Account until the date the advance is paid in full. There is no \xe2\x80\x9cgrace\nperiod\xe2\x80\x9d for cash advances.\n8.\n\nPERIODIC RATE; ANNUAL PERCENTAGE RATE; MINIMUM INTEREST CHARGE:\n\nPERIODIC RATE. To calculate Interest Charges, we multiply the average daily balance by the monthly\nPeriodic Rate. The monthly Periodic Rate is calculated by dividing the Annual Percentage Rate by 12. For\nmore information regarding the Annual Percentage Rate and monthly Periodic Rate for Purchases and Cash\nAdvances, please refer to the attached Pricing Information Addendum. In any billing cycle when you are subject\nto an Interest Charge and the Interest Charge as computed above is less than $1, you will be billed a Minimum\nInterest Charge of $1.\n9.\n\nOTHER FEES AND CHARGES:\n\nOTHER FEES AND CHARGES: In addition to the interest charges described above, other fees charges that\nmay be imposed on your Card Account include the following, each of which may be charged to your Card\nAccount as a purchase for the purpose of calculating periodic interest charges.\nANNUAL CARDHOLDER FEE. The Annual Cardholder Fee for your Card Account is $75. This fee is\nimposed when your Card Account is opened. After the first year, this fee is billed at $6.25 per month. This fee\nis billed directly to your Card Account. Except as provided in Section 12 entitled \xe2\x80\x9cRefund Policy\xe2\x80\x9d, or as\notherwise required by applicable law, this fee is non-refundable, even if your Card Account is canceled for any\nreason during the year.\nADDITIONAL CARD FEE. If you request and we decide to grant an additional card for use by an authorized\nuser, there is an annual Additional Card Fee of $20 for each additional card.\nCASH ADVANCE FEE. Each time you obtain a new cash advance, we will impose a transaction fee of 5% of\nthe amount advanced or $5, whichever amount is greater.\nFOREIGN TRANSACTION FEE. If you conduct an international transaction using your Card Account, we\nmay impose a Foreign Transaction Fee of 3% of the U.S. dollar amount of the transaction, regardless of whether\nthe transaction was originally made in U.S. dollars or converted from a foreign currency.\nLATE PAYMENT FEE. You will be charged a Late Payment Fee of up to $27 in any billing period in which\nyou fail to pay, by the Payment Due Date, at least the sum of (i) the greater of: $30; 4% of your New Balance;\nor 1% of your New Balance plus the current billing cycle\xe2\x80\x99s Late Payment Fee and Periodic Interest Charges,\nplus (ii) any amount past due.\nRETURNED PAYMENT FEE. If a check, electronic funds transfer, telephone authorized draft, or similar\npayment method submitted as payment is returned for any reason, a Returned Payment Fee of up to $27 may be\nassessed to your Card Account.\nREPLACEMENT CARD FEE. If your Card is lost or stolen and you request a replacement Card, a\nReplacement Card Fee of $20 will be assessed.\n\n4\n\n\x0cRUSH DELIVERY FEE. If you request special, expedited processing for a replacement Card, we may impose\na Rush Delivery Fee of $18 to your Card Account to have your Card processed more quickly and sent to you by\novernight delivery.\nACH AUTOPAY FEE. Each time we arrange, upon your request, a single payment on your Card Account by\nelectronic funds transfer, telephone authorized draft, or similar payment method, we may charge an ACH\nAutopay Fee of $5.\nCOPY FEE. If you request a duplicate copy of a monthly statement, a charge of $5 per statement may be\nassessed to your Card Account.\n10.\nOPTIONAL CORSELECT MEMBERSHIP: This optional program offers participants products and\nservices from national retailers. The cost of this program is billed automatically to your Card Account each\nmonth. We do not require CorSelect membership as a condition to applying for or obtaining a Card.\n11.\nCANCELLATION: The primary cardholder may cancel the Card Account at any time by notifying us\nin writing at the address on your monthly statement and returning all Cards issued on your Card Account, cut in\nhalf. Even after your Card Account is closed, you remain responsible for paying any amounts you owe on the\nCard Account according to the terms of this Agreement. We can suspend your Card Account privileges or\ncancel your Card Account at any time, with or without cause.\n12.\nREFUND POLICY: You may cancel your Card Account by notifying us in writing within 30 days of\nreceiving this Agreement and before making any additional charges to the Card (other than the fees disclosed in\nthis Agreement). If you cancel your Card Account, we will refund to you or credit to your Card Account all\nfees and charges in connection with your Card Account, except the Rush Delivery Fee, which is nonrefundable.\n13.\nIF YOUR CARD IS REFUSED: We are not responsible if a merchant, a bank or an ATM refuses to\nhonor your Card. Although you may have credit available, we may be unable to authorize credit for a particular\ntransaction due to operational difficulties or mistakes. No transaction is an amount greater than your credit limit\nwill be authorized in a single transaction. Transactions made above a certain dollar amount may require\nauthorization before the transaction is approved. The number of transactions or the total dollar amount of\nauthorizations you make in one day may be limited since we may limit the number of authorizations or the\ndollar amount of authorizations which may be given. These restrictions are for security reasons. As a result, we\ncannot explain the details of how our authorization system works. Neither we nor our agents will be\nresponsible if authorization for a transaction is not given. If your Card Account is overlimit or delinquent,\nauthorization of credit for transactions may be declined.\n14.\nLOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is\nlost or stolen or you suspect that someone is using your Card Account without your permission, you should\nimmediately notify us. You can call toll free 1-888-883-9826. You can also notify us in writing at Card\nServices P.O. Box 498181, Cincinnati, OH 45249-9860. Your maximum liability for unauthorized use will not\nexceed $50. You will not be liable for any unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. In any event, your liability for unauthorized use will be nothing unless negligence,\nuntimely reporting of the loss, or fraud is shown. If you allow someone to use your Card or make charges to\nyour Card Account, you can terminate this user\xe2\x80\x99s authority by retrieving the Card and returning it to us. Until\nyou do, you remain liable for any use by the authorized user.\n15.\nFOREIGN CURRENCY TRANSACTIONS: If you make a transaction with your MASTERCARD\xc2\xae\nAccount in a currency other than U.S. dollars, MASTERCARD\xc2\xae will convert the charge into a U.S. dollar\n5\n\n\x0camount using either (a) a rate selected by MASTERCARD\xc2\xae from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may vary from the rate\nMASTERCARD\xc2\xae receives, or (b) the government-mandated rate in effect for the applicable central processing\ndate. The exchange rate used by MASTERCARD\xc2\xae for a particular transaction is the rate MASTERCARD\xc2\xae\nselects on the processing date and may differ from the rate on the date the transaction occurred or the rate on the\ndate the transaction is posted to your Account. If you conduct an international transaction using your Account,\nwe may impose a Foreign Transaction Fee as set forth in Section 9.\n16.\nDEFAULT / ACCOUNT CLOSURE: If you exceed your assigned credit limit, fail to make any\nrequired payment, become insolvent, declare bankruptcy, die, violate any term of this Agreement, or provide\nfalse information to us, or, in our discretion, we deem the prospect of repayment of your Card Account to be in\njeopardy for any reason, you will be in default. Upon your default, we shall have all remedies provided by law\nincluding, without limitation, the right to close or refuse to renew your Card Account, demand the return of\nyour Card, declare your entire balance immediately due and payable, and initiate collection activity, all without\nprior notice or demand. To the extent permitted by applicable law, you must pay any collection costs, including\nreasonable attorney\xe2\x80\x99s fees, the costs of placing you on the Warning Bulletin, and the costs of confiscating your\nCard that we incur as a result of your default. No use of the Card will be authorized following default. We may\nalso close your Card Account at any time and for any reason.\n17.\nCARD OWNERSHIP AND ACCEPTANCE: Any Card issued to you remains our property, is not\ntransferable and must be surrendered to us upon demand.\n18.\nIRREGULAR PAYMENTS AND DELAY IN ENFORCEMENT, WAIVERS AND RELEASES:\nWe can accept late payments, partial payments, checks, and money orders marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or language\nhaving the same effect without losing any of our rights under this Agreement. We can also delay enforcing our\nrights under this Agreement any number of times without losing them and can waive or delay enforcing a right\nagainst one of you without waiving or delaying it as to the other. No waiver by us of any default shall be\neffective unless in writing nor operate as a waiver of any other future default.\n19.\nCHANGES IN AGREEMENT TERMS: We can change any term or provision of this Agreement,\nincluding the rate at which or manner in which interest charges are calculated, at any time upon such notice to\nyou as required by law. At our option, any change will apply to both your new activity and to your outstanding\nbalance when the change is effective. You will be deemed to have accepted the new terms if you use your Card\nafter the effective date or if you fail to notify us in accordance with applicable law. For changes in the\nAgreement terms write to: CorTrust Bank, N.A., P.O. Box 7030, Mitchell, SD 57301.\n20.\nGOVERNING LAW: This Agreement is entered into in the State of South Dakota where the decision\nto grant credit will be made. Therefore, this Agreement is governed by and should be interpreted in accordance\nwith federal law, and to the extent not pre-empted, the laws of the State of South Dakota, regardless of your\nstate of residence, and without reference to conflict of law provisions.\n21.\nAUTHORIZED USER: If you request an authorized user, both you and the authorized user may\nobtain purchases and cash advances (but the total of these purchases and cash advances cannot exceed the credit\nlimit). You and any authorized user are obligated, jointly and severally, for all charges, interest charges, and\nfees incurred by the authorized user, but we are not required to seek recovery from the authorized user before\nrequiring payment by you. The authorized user may not close the Card Account. If we close the Card Account,\nwe will notify you and the notice will be effective for both of you.\n\n6\n\n\x0c22.\nILLEGAL AND GAMBLING TRANSACTIONS: Your Card cannot be used for illegal transactions.\nUse of your Card for gambling transactions (including obtaining cash advances for purposes of gambling),\nwhether such transaction is legal or illegal, is prohibited.\n23.\nARBITRATION: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nUNLESS YOU EXERCISE THE RIGHT TO OPT-OUT OF ARBITRATION IN THE MANNER\nDESCRIBED BELOW, YOU AGREE THAT ANY DISPUTE WILL BE RESOLVED BY BINDING\nARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE\nRIGHT TO HAVE A JURY, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED IN\nTHE ARBITRATION RULES), AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR\nPROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD\nOF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED\nTHAN COURT PROCEDURES. YOU ALSO AGREE ANY ARBITRATION WILL BE LIMITED TO\nTHE DISPUTE BETWEEN YOU AND US AND WILL NOT BE PART OF A CLASS-WIDE OR\nCONSOLIDATED ARBITRATION PROCEEDING.\nAgreement to Arbitrate. You and we agree that any Dispute, except as provided below, will be resolved by\narbitration. This agreement is governed by the Federal Arbitration Act (FAA), 9 U.S.C.S. \xc2\xa7 1 et seq. and the\nsubstantive law of the State of South Dakota (without applying its choice-of-law rules).\nArbitration Defined. \xe2\x80\x9cArbitration\xe2\x80\x9d is a means of having an independent third party resolve a Dispute. A\n\xe2\x80\x9cDispute\xe2\x80\x9d is any claim or controversy of any kind between you and us. The term Dispute is to be given its\nbroadest possible meaning and includes, without limitation, all claims or demands (whether past, present, or\nfuture, including events that occurred prior to the opening of this Card Account and whether or not a credit card\nis issued), based on any legal or equitable theory (contract, tort, alleged regulatory violation, or otherwise) and\nregardless of the type of relief sought (i.e., money, injunctive relief, or declaratory relief). A Dispute includes,\nby way of example and without limitation, any claim based upon a federal or state constitution, statute,\nordinance, regulation, or common law, and any issue concerning the validity, enforceability, or scope of this\narbitration agreement.\nFor purposes of this arbitration provision, the terms \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d include any co-signer, co-obligor,\nguarantor, or authorized user and also your heirs, guardian, personal representative, or trustee in bankruptcy.\nThe terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d include our employees, officers, directors, members, managers, attorneys,\naffiliated companies, predecessors, and assigns, as well as our marketing, servicing, and collection\nrepresentatives and agents.\nChoice of Arbitrator. The party filing an arbitration must choose either of the following arbitration firms for\ninitiating and pursuing an arbitration: the American Arbitration Association or JAMS (formerly known as\nJudicial Arbitration and Mediation Services, Inc.). If you claim you have a Dispute with us, but you do not\ninitiate an arbitration or select an arbitrator, we may do so. You may obtain copies of the current rules of each\nof the arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:\nAmerican Arbitration Association\n335 Madison Avenue, Floor 10\nNew York, NY 10017-4605\nWebsite: www.adr.org\nJAMS\n1920 Main Street, Suite 300\nIrvine, CA 92614\n7\n\n\x0cWebsite: www.jamsadr.com\nThe policies and procedures of the selected arbitration firm will apply provided that these are consistent with\nthis arbitration agreement. To the extent the arbitration firm\xe2\x80\x99s rules or procedures are different than the terms of\nthis arbitration agreement, the terms of this agreement will apply.\nIf neither arbitration firm listed in this agreement is available to resolve the Dispute, you and we may each\nselect a local arbitrator. The local arbitrators selected by you and us shall then agree upon the selection of\nanother arbitrator who will hear and resolve the Dispute. The arbitrator selected to resolve the Dispute must be\nan attorney with at least 10 years experience, retired judge, or arbitrator registered and in good standing with an\narbitration association and arbitrate pursuant to such arbitrator\xe2\x80\x99s rules applicable to consumer disputes.\nNotwithstanding the foregoing, no party or local arbitrator may select an arbitrator who refuses to enforce an\narbitration agreement containing a class-action waiver, because you and we have in this arbitration agreement\nwaived any right to arbitrate a dispute on a class-action, representative-action, or consolidated basis.\nWhat Arbitration Costs. If you initiate the arbitration, you will be responsible for the first $50 of filing fees\nand other costs or fees, and we will pay the balance of the filing fee and any costs or fees charged by the\narbitrator above the first $50. If you cannot afford to pay the first $50, we may pay this in our discretion. If we\ninitiate the arbitration, we will pay the filing fee and any costs or fees charged by the arbitrator. Unless\nprohibited by law, the arbitrator may award fees, costs, and reasonable attorneys\xe2\x80\x99 fees to the party who\nsubstantially prevails in the arbitration.\nLocation of Arbitration. Unless you and we agree to a different location, the arbitration will be conducted in\nthe same city as the United States District Court closest to your then current mailing address.\nWaiver of Rights. You are waiving your right to a jury trial, to have a court decide your Dispute, to participate\nin a class action lawsuit, and to certain discovery and other procedures that are available in a lawsuit. The\narbitrator has the ability to award all remedies available by statute, at law, or in equity to the prevailing party,\nexcept that you and we agree that the arbitrator has no authority to conduct class-wide proceedings and will be\nrestricted to resolving the individual disputes between you and us. The validity, effect, and enforceability of\nthis waiver of class action lawsuit and class-wide arbitration is to be determined solely by a court of competent\njurisdiction and not by the arbitration firm or arbitrator. If the court, or an arbitration firm or arbitrator, refuses\nto enforce the class-wide arbitration waiver or otherwise refuses to enforce this Agreement, you and we agree\nthat the Dispute will proceed in court and will be decided by a judge, sitting without a jury, under applicable\ncourt rules and procedures.\nSmall Claims Court. All parties, including related third parties, shall retain the right to seek adjudication in a\nsmall claims court for disputes within the scope of such court's jurisdiction. Any dispute, which cannot be\nadjudicated within the jurisdiction of a small claims court, shall be resolved by binding arbitration. Any appeal\nof a judgment from a small claims court shall be resolved by binding arbitration de novo (i.e. upon a fresh\nreview of the facts).\nApplicable Law and Judicial Review. The arbitrator will apply applicable federal and South Dakota\nsubstantive law and the terms of this Agreement. The arbitrator must apply the terms of this arbitration\nagreement, including without limitation the waiver of class-wide arbitration. The arbitrator will make written\nfindings and the arbitrator\xe2\x80\x99s award may be filed with any court having jurisdiction. The arbitration award will\nbe supported by substantial evidence and must be consistent with this Agreement and applicable law or may be\nset aside by a court upon judicial review. Either party may seek judicial review of the arbitrator\xe2\x80\x99s decision\naccording to applicable law.\n8\n\n\x0cOther Provisions. This arbitration provision will survive: (i) termination or changes in this Agreement, the\nCard Account, or the relationship between you and us concerning the Card Account; (ii) the bankruptcy of any\nparty; and (iii) any transfer, sale, or assignment of your Card Account, or any amounts owed on your Card\nAccount, to any other person or entity.\nRight to Opt-Out. If you do not wish to agree to arbitrate all Disputes in accordance with the terms and\nconditions of this section, you must advise us in writing at the following address within 30 days of when we mail\nthis Agreement to you: CorTrust Bank, N.A., P.O. Box 7030, Mitchell, SD 57301. Clearly print or type your\nname and Card Account number and state that you reject arbitration. You must give written notice, and it is not\nsufficient to telephone us. Send only your notice to reject arbitration; do not include the notice with other\ncorrespondence to us. We must receive your letter at the above address within 30 days after the date this\nAgreement was provided to you or your rejection of arbitration will not be effective.\n24.\nVENUE AND JURISDICTION: In the event any Dispute is not subject to arbitration, you consent to\nbe subject to the jurisdiction and venue of the Circuit Court located in Minnehaha County, South Dakota, and\nagree that such court shall be the sole and exclusive jurisdiction and venue of all Disputes.\n25.\nSEVERABILITY: If any provision of this Agreement, including any portion of the arbitration\nagreement set forth above in Section 23, is determined to be invalid or unenforceable under any rule, law, or\nregulation, the validity or enforceability of any other provision of this Agreement shall not be affected, and in\nlieu of such invalid or unenforceable provision there shall be added automatically, as part of this Agreement, a\nprovision as similar in terms as may be valid and enforceable, if possible. Notwithstanding the foregoing, if a\nclass action litigation or a class-wide arbitration is permitted for any reason, either party may require that the\nentire Dispute, as defined in Section 23 above, be heard by a judge, sitting without a jury, under applicable\ncourt rules and procedures.\n26.\nMONITORING. In order to maintain quality service in its authorizations, security, customer service\nand other departments that have need to communicate with Cardholder from time to time, the Bank or its agents\nmay monitor any telephone communication between the Bank\xe2\x80\x99s or its agent\xe2\x80\x99s employees in those departments\nand Cardholder, without further notice or disclosure.\n27.\nCONTACT AUTHORIZATION. You authorize us and any other servicer of your account to contact\nyou about your account at any telephone number (or other means of communication) you provide, including\ncommunications to or from your mobile or cellular phone, or similar device, even if you are charged for the\ncommunication under your usage plan. We may contact you by sending text messages or e-mails, using any email address you provide to us. You agree we may use an automatic dialing system or artificial or prerecorded\nmessage when contacting you. You may revoke your consent to be contacted at any telephone number you\nprovide by calling us at 1-888-883-9826. If you revoke your consent to be contacted and fail to provide an\nalternative telephone number that we may use to contact you in accordance with this Section, we will close your\nCard Account.\n\nYOUR BILLING RIGHTS\nKEEP 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:\n9\n\n\x0cCard Services\nP.O. Box 498181\nYou may also contact us on the Web:\nwww.cortrustbankcc.com\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and Account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you 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\nrequired to 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\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to impose Interest Charges\non that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any Interest Charges or other\nfees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable Interest Charges and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us\nthat 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\nmust let those organizations know when the matter has been settled between us.\n\n10\n\n\x0cIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif your bill is 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 Card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount\ndue on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2. You must have used your Card for the purchase. Purchases made with Cash Advances from an ATM or\nwith a check that accesses your Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or\nelectronically at:\nCard Services\nP.O. Box 498181\nCincinnati, OH 45249-9860\nwww.cortrustbankcc.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nNOTICES\nBy responding to the credit card offer made by the Bank, you are authorizing us to obtain credit reports about\nyou, both now and in the future, for any legitimate business purpose associated with the Card Account,\nincluding, but not limited to, reviewing, modifying, renewing or collecting on your Card Account.\n1. CALIFORNIA RESIDENTS: A married applicant may apply for a separate Card Account. As required\nby law, you are hereby notified that a negative credit report reflecting on your credit record may be\nsubmitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. After\ncredit approval, each applicant shall have the right to use the Card Account up to the limit of the Card\nAccount. Each applicant may be liable for amounts extended under the plan to any joint applicant.\n2. DELAWARE RESIDENTS: Service charges not in excess of those permitted by law will be charged on\nthe outstanding balances from month to month.\n3. KENTUCKY RESIDENTS: You may pay the unpaid balance of your Card Account in whole or in part\nat any time.\n4. MARYLAND RESIDENTS: Finance charges will be imposed in amounts or at rates not in excess of\nthose permitted by law.\n11\n\n\x0c5. NEW YORK RESIDENTS: New York residents may contact the New York State Department of\nFinancial Services by telephone at 1-800-342-3736 or visit its website at www.dfs.ny.gov for free\ninformation on comparative credit card rates, fees and grace periods.\n6. OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally\navailable to all creditworthy customers, and that credit reporting agencies maintain separate credit\nhistories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\n7. WISCONSIN RESIDENTS: No agreement, court order, or unilateral statement applying to marital\nproperty will adversely affect a creditor\xe2\x80\x99s interests unless prior to the time credit is granted, the creditor\nis furnished with a copy of the agreement, court order or statement, or has actual knowledge of the\nadverse provision. IF I AM A MARRIED RESIDENT, CREDIT EXTENDED UNDER THIS CARD\nACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY. A\nmarried applicant must send the applicant\xe2\x80\x99s name and social security number, and the name and address\nof the applicant\xe2\x80\x99s spouse, to CorTrust Bank, N.A., P.O. Box 7030, Mitchell, SD 57301 within fifteen\n(15) days of completing an application.\nOctober 2018\n\n12\n\n\x0c"


b"Pricing Information Addendum\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate plus from 5.99% to 12.99%.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance\nTransfers\n\nPrime Rate plus from 5.99% to 12.99%.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPrime Rate plus 12.99%.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When\nIt Applies\nMinimum Interest\nCharge\nGrace Period/Paying\nInterest\nBalance Computation\nMethod\n\nNone\nIf you are charged interest, the charge will be no less than $1.50.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\nAverage Daily Balance (including new transactions)*\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\x97Balance Transfer\n\xef\x82\x97Cash Advance\n\xef\x82\x97Foreign Transaction\nPenalty Fees\n\xef\x82\x97Late Payment\n\xef\x82\x97Over-the-Credit Limit\n\xef\x82\x97Returned Payment\nOther Fees\n\xef\x82\x97Required Insurance,\nDebt Cancellation or\nSuspension Coverage\n\nNone\nEither $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100).\nWaived for balance transfers at time of account opening.\nEither $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $100).\n1% of each transaction in U.S. dollars.\nUp to $19 if balance is less than $100.\nUp to $25 if balance is $100 or more.\nNone\nUp to $25.\n\nNone\n\n*Average Daily Balance (including new transactions). The Interest Charge on Purchases, Balance Transfers, and Cash Advances\nis calculated using the Average Daily Balance Method (including new transactions). Under this method, the Interest Charge for\na billing cycle is computed by applying the monthly periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Purchases, Balance Transfers,\nor Cash Advances, as applicable. To calculate the average daily balance, we take the beginning balance of Purchases, Balance\nTransfers, or Cash Advances each day, add any new Purchases, Balance Transfers, or Cash Advances, and subtract any\npayments, credits, non-accruing fees, and unpaid Interest Charges applicable to Purchases, Balance Transfers, or Cash Advances\nas of their posting dates. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide\nthe total by the number of days in the billing cycle.\nPeriodic Rate. The monthly periodic rate is calculated by dividing the Annual Percentage Rate by 12.\n\n\x0cVariable Rate Disclosures. The Prime Rate used to determine your variable Annual Percentage Rate for Credit Purchases, Cash\nAdvances, and Balance Transfers for the billing period ending in any month is the U.S. Prime Rate published in the Wall Street\nJournal on the 1st day (or if the 1st day is not a business day, the preceding business day) of the prior month. If more than one\nU.S. Prime Rate is published, the highest rate will be used. The variable Annual Percentage Rate for Credit Purchases, Cash\nAdvances, and Balance Transfers will increase if the Prime Rate increases. An increase in the variable Annual Percentage Rate\nwill result in an increase in your monthly periodic rate and may result in an increase in your Minimum Payment Due.\n\nTERMS AND CONDITIONS\nThis agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) contains the terms and conditions under which CorTrust Bank, N.A. (\xe2\x80\x9cIssuer\xe2\x80\x9d) has\nagreed to establish a Visa\xc2\xae Cardholder Account (\xe2\x80\x9cAccount\xe2\x80\x9d) for you. Please read this Agreement carefully before using\nyour Card or the Account. The word \xe2\x80\x9cCard\xe2\x80\x9d means a Visa\xc2\xae Card issued in connection with your Account. The words\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to Issuer, its assignees or other holders of this Agreement or your Account. The words \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d mean each person who applied for the Account (\xe2\x80\x9cCardholder\xe2\x80\x9d), and each person to whom Issuer issues a\nCard or who uses a Card with your consent (an \xe2\x80\x9cAuthorized User\xe2\x80\x9d). Your application for the Account and your use of\nthe Card constitute your agreement to the terms and conditions of this Agreement. Whenever stated in this Agreement\nthat we may take certain described action, this permits us to do so in our sole discretion. Keep this Agreement so you\ncan refer to it if you have any questions regarding your Account. This Agreement contains a binding arbitration\nprovision. Please see Section 23 for details regarding mandatory arbitration and your right to opt-out of such\narbitration.\n1. Effective Date of Agreement. This Agreement is effective when you or an Authorized User uses the Card or Account\nor if you fail to cut your Card in half and return it to Issuer within 30 days after it is issued to you.\n2. Joint Account. If this is a joint account, each person who signed the application (1) may make Credit Purchases and\nobtain Cash Advances as defined in Section 3 below (but the total of these cannot exceed the assigned credit limit); (2)\nwill be responsible for paying all amounts owed; and (3) can close the Account.\n3. Using your Card or Account to Obtain Credit. You may use your Card or Account to make Credit Purchases or\nobtain Cash Advances. A \xe2\x80\x9cCredit Purchase\xe2\x80\x9d includes (a) a transaction using your Card to purchase or lease goods or\nservices from one who honors the Card; (b) a balance transfer; (c) any other Account related fees; and (d) any other\ntransaction that is not otherwise a Cash Advance. A \xe2\x80\x9cCash Advance\xe2\x80\x9d includes (a) a transaction drawing upon your\nAccount at an Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d); (b) a transaction at any financial institution drawing upon your\nAccount; (c) an electronic or other transfer of funds initiated by us, at your request (i.e., we sign the check as the drawer),\ndrawing upon your Account; (d) use of a check provided by us (i.e., you sign the check as the drawer) drawing upon\nyour Account; (e) a transaction and the fees associated with using your Card to purchase wire transfers or money orders\nanywhere other than a bank; and (f) any other method of obtaining a cash loan. Your outstanding balance of Cash\nAdvances may not exceed 30% of your credit limit. Your Card cannot be used for illegal transactions. Use of your Card\nfor gambling transactions (including obtaining Cash Advances for purposes of gambling), whether such transaction is\nlegal or illegal, is prohibited. Each time you use your Card, you are requesting that we make a loan to you for the amount\nof the Credit Purchase or the Cash Advance. If you use your Account number to make a Credit Purchase or obtain a\nCash Advance without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the\nsame as if the Card itself was used by you. Any refund, adjustment or credit allowed with respect to a prior Credit\nPurchase shall not be made in cash but rather shall be a credit to your Account. Credit Purchases and Cash Advances\nmay require Issuer\xe2\x80\x99s authorization. Issuer may limit the number and/or the maximum dollar amount of authorizations\nin a given day. You agree that neither Issuer nor its agents shall be liable for refusing an authorization request.\n\n\x0c4. Authorized User. If you request that we add an Authorized User to your Account, both you and the Authorized User\nmay make Credit Purchases and obtain Cash Advances (but the total of these Credit Purchases and Cash Advances\ncannot exceed the assigned credit limit). You and the Authorized User are obligated, jointly and severally, for all\ncharges, Interest Charges, and fees incurred by the Authorized User, but we are not required to seek recovery from the\nAuthorized User before requiring payment by you. The Authorized User may not close the Account. If we close the\nAccount, we will notify you and the notice will be effective for both of you.\n5. Property of Issuer; Cancellation Rights. Each Card is the property of Issuer, is not transferable and must be\nsurrendered upon demand. Each Card may be cancelled as well as repossessed by Issuer or its designee, and the\nprivileges thereof revoked, at any time without prior notice.\n6. Credit Limit. Cardholder shall not use or permit use of the Card to make Credit Purchases or obtain Cash Advances\nwhich will increase Cardholder\xe2\x80\x99s indebtedness to Issuer to an amount in excess of the limit established by Issuer. In the\nevent Cardholder incurs charges in amounts exceeding such maximum authorized credit limit, Cardholder shall pay\nimmediately the amount by which the New Balance exceeds such maximum authorized credit limit.\n7. Monthly Statements; Minimum Payment Due; Cardholder Payments. Issuer will send to Cardholder, at monthly\nintervals determined by Issuer, a statement reflecting all transactions on the Account for the prior monthly period. If\nCardholder wishes to reduce additional Interest Charges, Cardholder should pay the New Balance shown on the monthly\nstatement in full by the Payment Due Date. Cardholder may pay less than the New Balance, but Cardholder must pay\nat least the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d shown on the monthly statement. The Minimum Payment Due is the total New\nBalance as shown on your monthly statement if the amount is under $25. If the New Balance exceeds $25, the Minimum\nPayment Due is the sum of (i) the greater of $25, 2% of your New Balance, or 1% of your New Balance plus the current\nbilling cycle\xe2\x80\x99s Late Payment Fee and Interest Charges, plus (ii) any amount past due.\nTo ensure prompt posting, payments should be sent to the address located on your statement. Your payments must be\nmade in U.S. currency only (personal check, money order, cashier\xe2\x80\x99s check, or electronic funds transfer). Do not send\ncash through the mail as we will not be responsible for cash lost in the mail.\nBy making payment with a check, you are authorizing the use of the information on your check to make a one-time\nelectronic debit (electronic presentment) from the account on which the check is drawn. This electronic debit, which\nmay be posted to your account as early as the date your check is received, will be only for the amount of your check. If\nyou have any questions regarding opting out of electronic presentment, call the customer service number at 605-9960554. If your check is returned unpaid for insufficient or uncollected funds, we may also re-present your check\nelectronically.\n8. Calculation of Interest Charges.\nCredit Purchases. The Interest Charge on Credit Purchases is calculated using the average daily balance method,\nincluding new transactions. Under this method, the Interest Charge for a billing cycle is computed by applying the\nmonthly Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Credit Purchases. The monthly Periodic Rate is calculated as\nset forth in Section 9 below. To calculate the average daily balance, we take the beginning balance of Credit Purchases\neach day, add any new Credit Purchases, and subtract any payments, credits, non-accruing fees, and unpaid Interest\nCharges applicable to Credit Purchases as of their posting dates. This gives us the daily balance. Then we add up all the\ndaily balances for the billing cycle and divide the total by the number of days in the billing cycle.\nPaying Interest on Credit Purchases. To avoid incurring an additional Interest Charge on the balance of Credit Purchases\nreflected on your monthly statement and on any new Credit Purchases appearing on your next monthly statement, you\nmust pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for\nthe New Balance of Credit Purchases extends to the Payment Due Date.\n\n\x0cCash Advances. The Interest Charge on Cash Advances is calculated using the average daily balance method, including\nnew transactions. Under this method, the Interest Charge for a billing cycle is computed by applying the monthly\nPeriodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash Advances. The monthly Periodic Rate is calculated as set forth in\nSection 9 below. To calculate the average daily balance, we take the beginning balance of Cash Advances each day,\nadd any new Cash Advances, and subtract any payments, credits, non-accruing fees, and unpaid Interest Charges\napplicable to Cash Advances as of their posting dates. This gives us the daily balance. Then we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle.\nPaying Interest on Cash Advances. An Interest Charge on Cash Advances will be imposed from the date you obtained\nthe Cash Advance, or the first day of the billing cycle in which the Cash Advance posted to your Account, whichever is\nlater. There is no grace period on Cash Advances.\nBalance Transfers. The Interest Charge on Balance Transfers is calculated using the same method used to calculate\nInterest Charges on Credit Purchases, as described above.\nPaying Interest on Balance Transfers. A Balance Transfer will be treated as a Credit Purchase. You will pay Interest\nCharges on Balance Transfers in the same manner you pay Interest Charges on Credit Purchases, as described above.\n9. Periodic Rate; Annual Percentage Rate; Minimum Interest Charge\nPeriodic Rate. To calculate Interest Charges, we multiply the average daily balance by the monthly Periodic Rate. The\nmonthly Periodic Rate is calculated by dividing the Annual Percentage Rate by 12. For more information regarding the\nAnnual Percentage Rate and monthly Periodic Rate for Credit Purchases, Cash Advances and Balance Transfers, please\nrefer to the attached Pricing Information Addendum. In any billing cycle when you are subject to an Interest Charge and\nthe Interest Charge as computed above is less than $1.50, you will be billed a Minimum Interest Charge of $1.50.\nVariable Rate Disclosures. The Prime Rate used to determine your variable Annual Percentage Rate for Credit\nPurchases, Cash Advances, and Balance Transfers for the billing period ending in any month is the U.S. Prime Rate\npublished in the Wall Street Journal on the 1st day (or if the 1st day is not a business day, the preceding business day) of\nthe prior month. If more than one U.S. Prime Rate is published, the highest rate will be used. The variable Annual\nPercentage Rate for Credit Purchases, Cash Advances, and Balance Transfers will increase if the Prime Rate increases.\nAn increase in the variable Annual Percentage Rate will result in an increase in your monthly Periodic Rate and may\nresult in an increase in your Minimum Payment Due.\n10. Other Finance Charges and Fees.\nCash Advance Fee. We will impose a Cash Advance Fee of 3% of the amount of the Cash Advance for each Cash\nAdvance. This fee will not be less than $10 or more than $100.\nLate Payment Fee. You will be charged a Late Payment Fee in any billing period in which you fail to pay, by the\nPayment Due Date, at least (i) the greater of $25, 2% of your New Balance, or 1% of your New Balance plus the current\nbilling cycle\xe2\x80\x99s Late Payment Fee and periodic Interest Charges, plus (ii) any amount past due. When imposed, the\namount of the Late Payment Fee will vary based on your Account balance as follows: (i) Up to $19 on balances less\nthan $100 and (ii) Up to $25 on balances of $100 or more.\nBalance Transfer Fee. We may impose a Balance Transfer Fee of 3% of each balance transferred to your Account. This\nfee will be not less than $10 or more than $100. We may also waive the Balance Transfer Fee for balance transfers at\ntime of account opening.\n\n\x0cDuplicate Statement Fee. If you request a duplicate copy of your monthly statement, a charge of $2 per statement may\nbe assessed to your Account.\nRush Delivery Fee. If you request special, expedited processing of your application to open a new Account or request\na new Card on your Account, we may impose a Rush Delivery Fee of $25 on your Account.\nReturned Payment Fee. If a check, electronic funds transfer, telephone authorized draft, or similar payment method\nsubmitted as payment is returned for any reason, a Returned Payment Fee of up to $25 may be assessed to your Account.\nForeign Transaction Fee. If you conduct an international transaction using your Account, we may impose a Foreign\nTransaction Fee of 1% of the U.S. dollar amount of the transaction, regardless of whether the transaction was originally\nmade in U.S. dollars or converted from a foreign currency.\n11. Security Interests. If you have other loans from Issuer, or take out other loans with Issuer in the future, collateral\nsecuring those loans will also secure your obligations under this Agreement. However, unless you expressly agree\notherwise, your household goods and primary dwelling will not secure your obligations under this Agreement even if\nIssuer has or later acquires a security interest in the household goods or a mortgage on the dwelling.\nIf you have executed a written agreement granting a security interest in any deposit accounts (checking, savings, or share\naccounts) or other funds held by Issuer to secure your obligations under this credit card plan, such accounts and/or funds\nare additional security for your obligations to Issuer arising from the use of your Card.\n12. Default/Immediate Payment of All Amounts Owed. The Account balance will, at Issuer\xe2\x80\x99s option, become\nimmediately due and payable, without notice, in the event that (a) Cardholder dies or becomes bankrupt or insolvent, or\n(b) Cardholder fails to make payments due on the Account, incurs charges for Credit Purchases and Cash Advances\nwhich exceed the maximum authorized credit limit, or otherwise breaches this Agreement, or (c) Issuer receives\ninformation which causes it to believe Cardholder is unwilling or unable to perform under this Agreement, or (d)\nattachment or garnishment proceedings are instituted against Cardholder. Failure by Issuer to assert any rights hereunder\nshall not waive such rights.\n13. Closing Your Account. Cardholder may close the Account at any time. Simply notify Issuer in writing, stop using\nthe Account and destroy the Cards. Issuer can also close the Account at any time and for any reason. Issuer will notify\nCardholder in writing before the closing is to become effective unless Issuer has accelerated payment of the entire\nbalance of the Account. If Issuer closes the Account, you agree to destroy your Cards. No matter who closes the\nAccount, Issuer will keep all rights it has and you will still have to repay the Credit Purchases and Cash Advances made\non your Account, even if made after the Account has been closed, together with Interest Charges and any other charges\non the Account.\n14. Attorney\xe2\x80\x99s Fees. Unless prohibited by law or as provided in the arbitration agreement set forth below in Section 23,\nCardholder agrees to pay all costs incurred by Issuer in collecting Cardholder\xe2\x80\x99s indebtedness or in enforcing this\nAgreement, including attorney\xe2\x80\x99s fees and costs, as well as those costs, expenses and attorney\xe2\x80\x99s fees incurred in appellate,\nbankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.\n15. Applicable Law. This Agreement is entered into in the State of South Dakota where the decision to grant credit will\nbe made and payments will be received. Therefore, this Agreement is governed by and should be interpreted in\naccordance with federal law, and to the extent not pre-empted, the laws of the State of South Dakota, regardless of your\nstate of residence, and without reference to conflict of law provisions.\n16. Lost or Stolen Cards. You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you\nsuspect that someone is using your Account without your permission, you should immediately notify us. You can call\n\n\x0c800-820-8415. You can also notify us in writing at Card Services, P.O. Box 498181, Cincinnati, OH 45249-9860. Your\nmaximum liability for unauthorized use will not exceed $50. You will not be liable for any unauthorized use that occurs\nafter you notify us of the loss, theft, or possible unauthorized use. In any event, your liability for unauthorized use will\nbe nothing unless negligence, untimely reporting of the loss, or fraud is shown. If you allow someone to use your Card\nor make charges to your Account, you can terminate this user\xe2\x80\x99s authority by retrieving the Card and returning it to us.\nUntil you do, you remain liable for any use by the Authorized User.\n17. Monitoring. In order to maintain quality service in its authorizations, security, customer service and other\ndepartments that have need to communicate with Cardholder from time to time, Issuer or its agents may monitor any\ntelephone communication between Issuer\xe2\x80\x99s or its agent\xe2\x80\x99s employees in those departments and Cardholder, without\nfurther notice or disclosure.\n18. Irregular Payments and Delay in Enforcement, Waivers and Releases. We can accept late payments, partial\npayments, checks and money orders marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or language having the same effect without losing any of our\nrights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without\nlosing them and can waive or delay enforcing a right against one of you without waiving or delaying it as to the other.\nNo waiver by us of any default shall be effective unless in writing nor operate as a waiver of any other future default.\n19. Modifications to Agreement/Waiver. We may change any term of this Agreement, including the rate at which or\nmanner in which Interest Charges are calculated, as permitted by law upon notice to you. For the changes in the\nAgreement terms write to: CorTrust Bank, P.O. Box 7030, Mitchell, South Dakota 57301. Issuer may, in its sole\ndiscretion, waive imposition of the fees referenced in this Agreement; however, Issuer shall have no obligation to do so,\nand any such waiver shall be limited to the particular instance or transaction involved and shall not constitute a waiver\nor authorize the non-observance of the same or any other provision of this Agreement on any other or future occasion.\n20. Notices. Any notice Issuer sends Cardholder will be considered effective when it is delivered personally to you or\nmailed, postage prepaid, to the last address we have for Cardholder in our records. Notice from you will be considered\neffective when Issuer receives it at the address shown in the previous section. If this is a joint account, Issuer can notify\none of you and the notice will be effective for both of you. Similarly, one of you can notify Issuer and Issuer will\nconsider it to be notice from both of you.\n21. Visa Rules and Regulations; Conflicts. You and Issuer agree to abide by all applicable rules and regulations of Visa\nU.S.A., Inc. (\xe2\x80\x9cVisa\xe2\x80\x9d), as well as all applicable laws. If there is any conflict between the provisions of this Agreement\nand the rules and regulations of Visa, the rules and regulations of Visa shall control.\n22. Foreign Currency Conversion. If you make a transaction with your VISA\xc2\xae Account in a currency other than U.S.\ndollars, VISA\xc2\xae will convert the charge into a U.S. dollar amount using either (a) a rate selected by VISA\xc2\xae from the\nrange of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate VISA\xc2\xae receives, or (b) the government-mandated rate in effect for the applicable central processing date.\nThe exchange rate used by VISA\xc2\xae for a particular transaction is the rate VISA\xc2\xae selects on the processing date and may\ndiffer from the rate on the date the transaction occurred or the rate on the date the transaction is posted to your Account.\nIf you conduct an international transaction using your Account, we may impose a Foreign Transaction Fee as set forth\nin Section 10.\n23. ARBITRATION: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. UNLESS\nYOU EXERCISE THE RIGHT TO OPT-OUT OF ARBITRATION IN THE MANNER DESCRIBED BELOW,\nYOU AGREE THAT ANY DISPUTE WILL BE RESOLVED BY BINDING ARBITRATION, PROVIDED\nTHAT EITHER YOU OR WE MAY BRING A CLAIM IN SMALL CLAIMS COURT. ARBITRATION\nREPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY, TO ENGAGE\nIN DISCOVERY (EXCEPT AS MAY BE PROVIDED IN THE ARBITRATION RULES), AND TO\n\n\x0cPARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS\nRESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES\nARE 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\nPART OF A CLASS-WIDE OR CONSOLIDATED ARBITRATION PROCEEDING.\nAgreement to Arbitrate. You and we agree that any Dispute, except as provided below, will be resolved by arbitration.\nThis agreement is governed by the Federal Arbitration Act (FAA), 9 U.S.C.S. \xc2\xa7 1 et seq. and the substantive law of the\nState of South Dakota (without applying its choice-of-law rules).\nArbitration Defined. \xe2\x80\x9cArbitration\xe2\x80\x9d is a means of having an independent third party resolve a Dispute. A \xe2\x80\x9cDispute\xe2\x80\x9d is\nany claim or controversy of any kind between you and us. The term Dispute is to be given its broadest possible meaning\nand includes, without limitation, all claims or demands (whether past, present or future, including events that occurred\nprior to the opening of this Account and whether or not a credit card is issued), based on any legal or equitable theory\n(contract, tort, or otherwise) and regardless of the type of relief sought (i.e., money, injunctive relief or declaratory\nrelief). A Dispute includes, by way of example and without limitation, any claim based upon a federal or state\nconstitution, statute, ordinance, regulation, or common law, and any issue concerning the validity, enforceability or\nscope of this arbitration agreement.\nFor purposes of this arbitration provision, the terms \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d include any co-signer, co-obligor, guarantor or\nAuthorized User and also your heirs, guardian, personal representative or trustee in bankruptcy. The terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d\nand \xe2\x80\x9cus\xe2\x80\x9d include our employees, officers, directors, members, managers, attorneys, affiliated companies, predecessors\nand assigns, as well as our marketing, servicing and collection representatives and agents.\nChoice of Arbitrator. The party filing an arbitration must choose either of the following arbitration firms for initiating\nand pursuing an arbitration: the American Arbitration Association or JAMS (formerly known as Judicial Arbitration\nand Mediation Services, Inc.). If you claim you have a Dispute with us, but you do not initiate an arbitration or select\nan arbitrator, we may do so. You may obtain copies of the current rules of each of the arbitration firms and forms and\ninstructions for initiating an arbitration by contacting them as follows:\nAmerican Arbitration Association\n335 Madison Avenue, Floor 10\nNew York, NY 10017-4605\nWebsite: www.adr.org\nJAMS\n1920 Main Street, Suite 300\nIrvine, CA 92614\nWebsite: www.jamsadr.com\nThe policies and procedures of the selected arbitration firm will apply provided that these are consistent with this\narbitration agreement. To the extent the arbitration firm\xe2\x80\x99s rules or procedures are different than the terms of this\narbitration agreement, the terms of this agreement will apply.\nIf neither arbitration firm listed in this agreement is available to resolve the Dispute, you and we may each select a local\narbitrator. The local arbitrators selected by you and us shall then agree upon the selection of another arbitrator who will\nhear and resolve the Dispute. The arbitrator selected to resolve the Dispute must be an attorney with at least ten (10)\nyears experience, retired judge, or arbitrator registered and in good standing with an arbitration association and arbitrate\npursuant to such arbitrator\xe2\x80\x99s rules applicable to consumer disputes. Notwithstanding the foregoing, no party or local\narbitrator may select an arbitrator who refuses to enforce an arbitration agreement containing a class-action waiver,\n\n\x0cbecause you and we have in this arbitration agreement waived any right to arbitrate a dispute on a class-action,\nrepresentative-action, or consolidated basis.\nWhat Arbitration Costs. If you initiate the arbitration, you will be responsible for the first $50 of filing fees and other\ncosts or fees, and we will pay the balance of the filing fee and any costs or fees charged by the arbitrator above the first\n$50. If you cannot afford to pay the first $50, we may pay this in our discretion. If we initiate the arbitration, we will\npay the filing fee and any costs or fees charged by the arbitrator. 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.\nLocation of Arbitration. Unless you and we agree to a different location, the arbitration will be conducted in the same\ncity as the United States District Court closest to your then current mailing address.\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 has the\nability to award all remedies available by statute, at law, or in equity to the prevailing party, except that 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. The validity, effect, and enforceability of this waiver of class action lawsuit\nand class-wide arbitration is to be determined solely by a court of competent jurisdiction and not by the arbitration firm\nor arbitrator. If the court, or an arbitration firm or arbitrator, refuses to enforce the class-wide arbitration waiver or\notherwise refuses to enforce this Agreement, you and we agree that the Dispute will proceed in court and will be decided\nby a judge, sitting without a jury, under applicable court rules and procedures.\nSmall Claims Court. All parties, including related third parties, shall retain the right to seek adjudication in a small\nclaims court for disputes within the scope of such court's jurisdiction. Any dispute, which cannot be adjudicated within\nthe jurisdiction of a small claims court, shall be resolved by binding arbitration. Any appeal of a judgment from a small\nclaims court shall be resolved by binding arbitration de novo (i.e. upon a fresh review of the facts).\nApplicable Law and Judicial Review. The arbitrator will apply applicable federal and South Dakota substantive law\nand the terms of this Agreement. The arbitrator must apply the terms of this arbitration agreement, including without\nlimitation the waiver of class-wide arbitration. The arbitrator will make written findings and the arbitrator\xe2\x80\x99s award may\nbe filed with any court having jurisdiction. The arbitration award will be supported by substantial evidence and must be\nconsistent with this Agreement and applicable law or may be set aside by a court upon judicial review. Either party may\nseek judicial review of the arbitrator\xe2\x80\x99s decision according to applicable law.\nOther Provisions. This arbitration provision will survive: (i) termination or changes in this Agreement, the Account,\nor the relationship between you and us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer,\nsale or assignment of your Account, or any amounts owed on your Account, to any other person or entity.\nRight to Opt-Out. If you do not wish to agree to arbitrate all Disputes in accordance with the terms and conditions of\nthis section, you must advise us in writing at the following address within 30 days of when we mail this Agreement to\nyou: CorTrust Bank, N.A., P.O. Box 7030, Mitchell, SD 57301. Clearly print or type your name and Account number\nand state that you reject arbitration. You must give written notice, and it is not sufficient to telephone us. Send only\nyour notice to reject arbitration; do not include the notice with other correspondence to us. We must receive your letter\nat the above address within 30 days after the date this Agreement was provided to you or your rejection of arbitration\nwill not be effective.\n24. Severability. If any provision of this Agreement, including any portion of the arbitration agreement set forth above\nin Section 23, is determined to be invalid or unenforceable under any rule, law, or regulation, the validity or\nenforceability of any other provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable\nprovision there shall be added automatically, as part of this Agreement, a provision as similar in terms as may be valid\n\n\x0cand enforceable, if possible. Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is\npermitted for any reason, either party may require that the entire Dispute, as defined in Section 23 above, be heard by a\njudge, sitting without a jury, under applicable court rules and procedures.\n25. Venue and Jurisdiction. In the event any Dispute is not subject to arbitration, you consent to be subject to the\njurisdiction and venue of the Circuit Court located in Minnehaha County, South Dakota, and agree that such court shall\nbe the sole and exclusive jurisdiction and venue of all Disputes.\n26. Contact Authorization. You authorize us and any other servicer of your account to contact you about your account\nat any telephone number (or other means of communication) you provide, including communications to or from your\nmobile or cellular phone, or similar device, even if you are charged for the communication under your usage plan. We\nmay contact you by sending text messages or e-mails, using any e-mail address you provide to us. You agree we may\nuse an automatic dialing system or artificial or prerecorded message when contacting you. You may revoke your consent\nto be contacted at any telephone number you provide by calling us at 1-877-231-3231. If you revoke your consent to be\ncontacted and fail to provide an alternative telephone number that we may use to contact you in accordance with this\nSection, we will close your Card Account.\nYOUR BILLING RIGHTS\nKEEP 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:\nCard Services\nP.O. Box 498181\nCincinnati, OH 45249-9860\nYou may also contact us on the Web:\nwww.GoToMyCard.com\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 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\nrequired to 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:\n\n\x0c1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to impose Interest Charges on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any Interest Charges or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\nInterest Charges and fees. We will send you a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your 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\nbill is 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 Card, and you have tried in good\nfaith 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\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Card for the purchase. Purchases made with Cash Advances from an ATM or with a\ncheck that accesses your Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically]\nat:\nCard Services\nP.O. Box 498181\nCincinnati, OH 45249-9860\nwww.GoToMyCard.com\n\n\x0cWhile 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.\n\n03/2020\n\n\x0c"