VISA Credit Card Agreement 

Please  retain for personal  records 

This is your  VISA  Credit  Card  Agreement.  This  agreement,  together  with the  Truth-in-Lending Statement,  sets  forth the  terms  and  conditions  of your  Account. 

This  agreement   covers   the  Visa   Credit   Card   Account   issued   by   Think   Mutual   Bank  ("Think"),   a  federally   chartered   thrift   with  its  main   office   located   in 
Rochester,   MN.  In  this  Agreement,   the  words  ''you,"  "your,"  "yours,"  and  "cardholder,"  mean  any  person  who  signs  the  Application   for  this  account,   any  joint 
party,  guarantor,   authorized   user,   or  the  person   whose  name  is  embossed   on  the  card.  The  words “we,"  "us,"  and  "our"  mean Think.  "Account” or  "Account 
Information” means your  Visa  Card  Account with  us.  The  word  "Card"  means any  one  or  more  credit  cards  issued under this  Account.   If  you  sign  the  Master 
Application/Credit  Plan  for this  Account  or  sign  or use  any  Card  or  PIN,  or  allow  others  to  use  the  Card  or  PIN,  you  and  they  will  have  accepted  this  Agreement 
just as if you  and they  signed  it,  and you  and they,  jointly  and  severally, will be  bound  by  the  following  terms  and  conditions  which  will  govern  this  Account. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.   
YOU  SPECIFICALLY  GRANT   US  A  CONSENSUAL  SECURITY   INTEREST  IN  ALL   INDIVIDUAL  AND   JOINT   ACCOUNTS  YOU  HAVE WITH  US 
NOW  AND  IN  THE  FUTURE    TO  SECURE  REPAYMENT  OF  CREDIT  EXTENDED    UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  THAT  WE  HAVE 
SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  APPLICABLE STATE  AND/OR  FEDERAL  LAW.  THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A 
CONDITION  FOR  THE  ISSUANCE  OF  CREDIT  UNDER  THIS  AGREEMENT.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  YOUR  SHARES  TO  THE 
AMOUNT YOU OWE.  

Shares and deposits in  an  Individual Retirement Account or  any  other  account  that  would  lose  special  tax  treatment under  state  or  federal law  if  given  are  not 
subject  to this  security  interest. 

If  you  have  other  loans  with  us,  collateral  securing  such  loans  may  also  secure  your  obligations  under  this  Agreement,   unless  that  other  collateral  is  your 
principal  residence   or non-purchase money  household  goods. 

EFFECT  OF  AGREEMENT

1.
This  Agreement is  the  contract which  applies  to  all  transactions o n  your  Account even  though the  sales,  cash  advance or  credit  slips  you  sign  or  receive may
contain different  terms.  Subject  to  applicable  law,  we  may  amend  this  Agreement  including,   but  not  limited  to,  changing  the  rate  or method  of  determining  the
Interest  Charge,   by  sending   you  the  advance   written  notice  required  by  law.  To  the  extent the  law  permits, a n d   we  indicate in  our  notice, amendments  w i l l
apply  to your  existing  Account  balance as well  as to  future  transactions.

2. RESPONSIBILITY
If  we  issue  a  Card  you  agree  to  repay  all  debts  and  the  Interest  Charge and  fees  and  charges arising  from  the  use  of the  card  and  Account.  For  example, you
are  responsible for  charges  made  by  anyone else  to  whom  you  give  the  card  or  card  number, an d   this  responsibility  continues  until  the  card  is  recovered.   You
cannot disclaim responsibility  by  notifying us,  but  we  will  close  the  Account  for  new  transactions i f   you  so  request and  return  all  cards.  Your  obligation   to  pay
the  Account  balance  continues  even  though  an  agreement,   divorce  decree  or  other  court  judgment,  in  which  we  are  not  a  party,  may  direct  you  or  one  of the
other  person's  responsible   to  pay  the  Account.  Any person  using  the  card  is  jointly  responsible wi t h   you  for  charges  he  or she  makes;  if  that  person  signs  the
card,  he  or she becomes  a party  to this  agreement  and is  also  jointly  responsible  for  all charges  on the  Account,  including  yours.

INTEREST CHARGE

3.
You  can  avoid  the  Interest  Charge   on  purchases  by  paying  the  full  amount  of  the  New  Balance  of  Purchases   each  month  within  25  days  of  your  statement
closing  date.  Otherwise,   the  New  Balance  of  Purchases,   and  subsequent   purchases   from  the  date  they  are  posted  to  your  Account,   will  be  subject  to  an 
Interest  Charge.   Cash  advances, wh i c h   include balance transfers, are  always subject  to  Interest  Charges from  the  date  they  are  posted  to  your  Account.   The
Interest  Charge  (ANNUAL PERCENTAGE RATE)  is  calculated by  adding  a  spread  or margin  based  on  your  creditworthiness to  the  Prime  Rate  (the  "index")  in
effect  on  the  first  business  day  of  the  month  immediately  p r e c e d i n g   January  1,  April1,  July  1  and  October  1.  The  Interest  Charge  will  be  applied  to  the 
average daily  principal b a l a n c e s    of  purchases a n d  cash advances o f   your Account.   If  the  Index  increases   or  decreases,   the  ANNUAL   PERCENTAGE
RATE    and  monthly    periodic    rate  will  increase    or  decrease    for  all  existing    balances    on  each    January    1,  April  1,  July  1  and  October    1.  Because    your 
Minimum   Payment remains   the  same,  any  increase   in  the  ANNUAL   PERCENTAGE  RATE  will  increase   the  number   of  your  payments,   but  will  not  increase 
the  amount   of  your payments.   There  is  no  maximum   ANNUAL   PERCENTAGE  RATE,   except  that  the  ANNUAL   PERCENTAGE  RATE  will  not  exceed  the 
highest  permitted   by applicable   law.  We  figure  the  Interest Charge on  your  Account  by  applying the  periodic  rate  to  the  "average daily  balance" of  your  Account
(including  current transactions).  To  get  the  "average   daily  balance"   we  take   the  beginning   balance   of  your  Account   each   day,  add  any  new  purchases,
cash  advances,   but excluding   unpaid  interest  charges,  and  subtract  any  payments   or  credits.  This  gives  us  the  daily  balance.   Then,  we  add  up  all  the  daily 
balances f o r the  billing cycle  and  divide  the  total  by the  number  of days  in the  billing  cycle.  This  gives  us  the  "average  daily  balance". 
Other   Fees  and   Charges:   In  addition   to  the  interest   charges   discussed   above,   other   charges   will  be  applicable   to  your   Account.   Please refer  to your
Truth-in-Lending statement.

4. MONTHLY STATEMENTS AND  PAYMENTS
Each  month  if  your  balance   exceeds   $1.00  or  there  was  activity  on  your  Account,   we  will  send  you  a  statement   showing  account   activity,  transactions,   fees,
and  minimum  payment  requirement.  Every  month  you  must  at  least  pay  the  Minimum Payment  required on  or  before  the  payment due  date  as  shown  on  your
monthly statement.   You  may  pay  more  frequently,   pay  more  than  the  Minimum  Payment,   or  pay  the  Total  New  Balance  in  full,  and  reduce  the  Interest  Charge
by  doing   so.   The Minimum Payment will be disclosed  on  your Truth-in-Lending  Statement.   We  will   apply   your   payments   in  the  following   order:   1)  to   all 
collection  penalties  and  other  Account  fees,  2) to the  previously   billed  and  unpaid  Interest  Charge  on  purchases,   3)  to the  previously  billed  and  unpaid  Interest 
Charges   on  cash  advances,   4)  to  cash  advances,   5)  to  previously   billed  purchases,   6)  to  new  transactions,  whether  or  not  billed  on  the  monthly   statement.
However,   any  payment   equal  to,  or  greater  than,  the  minimum   payment   due  will  be  applied  first  to  that  balance   with  the  highest  ANNUAL   PERCENTAGE
RATE.  You  will  be  responsible   for  all  matters   shown   on  each  monthly   statement   unless   you  notify   us  in  writing   of  any  dispute   within  60  days   after  the
statement  date  in the manner  required  by   "Your  Billing  Rights"  section  of this  Agreement.
Payments  can  be  mailed  to  Think  Mutual  Bank,  P.O.  Box  6818,  Carol Stream,  IL 60197-6818.

LASER IH Fl12387 Rev 3-2016 

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5. DEFAULT
You will be in default if  you fail to make  any Minimum Payment on or before your payment due date. You will be  charged a late fee if a payment is not received
within 10  days  of the payment  due date. You will  also be in  default if 1)  your  ability to  repay  us is materially  reduced by  a change in your  employment  or an
increase in  your  obligations. 2) there are bankruptcy or insolvency  proceedings involving you,  3) you die, 4) you make  a misrepresentation in  connection with 
your  Account,  5)  you  default  on  any  obligation  to  us,  under  this  Agreement  or  otherwise,  6)  you  cancel  your  membership  with  us,  7)  you  exceed  your
Line-of-Credit. We have the  right to demand immediate payment of your full Account balance if you  are in default. You specifically authorize us to deduct all or 
any part  of the amount in  default from any  deposit account in  which you  have  an ownership interest, unless prohibited by  applicable law. If permitted  by law,
you will also be required to pay our collection expenses, including court costs and reasonable attorneys' fees.

LOST CARD NOTIFICATION

6.
If  you  believe  your  Card  or  Account  Information has  been  lost  or  stolen,  you  should  immediately  call  VISA  at 1-866-839-3485.  This  is  a  24  hour  access
number,  however, if  you  are unable  to  reach  this  number,  please  call us  at 1-800-288-3425.  Our  address is  P.O. Box  5949,  Rochester, MN  55903-5949.
Notification that your card has been lost or stolen may be given by telephone or an in-person visit to Think.

LIABILITY FOR UNAUTHORIZED USE

7.
You may  be liable for the unauthorized use  of your  Card.  You may be liable  if the Personal Identification Number (PIN) is written on the card. You will not  be
liable for any unauthorized use of your  Card that  occurs after you notify us orally  or in writing  of the loss, theft  or possible  unauthorized use.  In  any case, your
liability will not exceed $50.00. If you notify us orally, you should confirm your loss by writing us at Credit Card Security Department

Attn. Fidelity- Customer Service 
P.O. Box 6818 

   Carol Stream, IL 60197-6818 

8. CREDIT LINE
If we approve your application, we  will establish a Line-of-Credit for you and notify you  of its amount when we issue the Card. You agree not  to let the Account 
balance  exceed  this  approved  Line-of-Credit.  Each  payment  you  make  on  the  Account  will restore  your  Line-of-Credit  by the  amount  of payment  which  is 
applied to  the principal.  By  giving  you  written notice  we  may  reduce  your  Line-of-Credit at any  time. We  may  also,  with  good cause,  revoke  your Card  and 
terminate  this  Agreement. Good cause  includes  your  failure to  comply  with this  Agreement, or  our  adverse re-evaluation  of your  credit worthiness.  You may 
also terminate this Agreement at any time, but termination by either  of us does not affect your obligation to pay us  the Account balance.  The Cards remain  our 
property and you must get back  and return to us all Cards upon our request and upon  termination of this Agreement. "Line-of-Credit" may also be  called Credit 
Limit in this Agreement and in your monthly statement.

9. CREDIT INFORMATION You authorize us to investigate your credit standing when opening, renewing  or reviewing your  Account, and you authorize us to 
disclose information regarding your Account to credit bureaus  and other creditors who ask us about your credit standing.

10. USING  THE CARD You may use the  card issued  to you to  make purchases  in person, by mail,  by telephone,  or by  Internet  from merchants  and others 
who  accept VISA  credit cards.  In  addition, you  may  obtain cash  advances  from  Think, from other financial  institutions participating  in the VISA program  and 
from  ATMs (automated teller machines)  that participate in the ATM VISA program. You will need  to use your PERSONAL IDENTIFICATION NUMBER (PIN) to 
obtain a cash advance from an ATM.  Cash advances from ATMs may not exceed a total of $510 per  day. Any transaction which would cause the daily limit to 
be  exceeded may be refused.  You agree  that  all transactions that you initiate by use  of your VISA Credit Card Account  are legal in  the  jurisdiction where you 
live and/or  where the  transaction occurred. You agreed to  repay  according to  the terms  of  this  Agreement all  transactions you  initiate by  use  of  your  Credit 
Card Account whether deemed legal or illegal.

11. RETURNSANDADJUSTMENTS
Merchants and  others who honor  the  Card may  give credit  for returns or  adjustments, and they will  do so by issuing a credit slip which will be posted to your 
Account. If your credits and payments exceed what you owe us, we will apply this credit balance against future purchases  and cash advances to your Account. 
If this credit balance is $1.00 or more, we will refund it per your written request. A credit balance will automatically be refunded to you after 4 billing cycles.

FOREIGN TRANSACTIONS; CURRENCY CONVERSION

12.
Purchases  and cash  advances  made  in foreign  currencies will  be billed  to  you  in U.S. dollars.  Transactions processed  outside of the  United States will  be 
charged  a  foreign  transaction  fee  in  an  amount  to  be  determined  by  Think, regardless  of  whether  there  is  a  currency  conversion  associated  with  the 
transaction. The  conversion rate in  dollars  will be  a rate  selected by  VISA from  a  range of  rates  available  in  wholesale  currency markets for the  applicable 
central processing date, which rate may vary from  the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing 
date in each instance.  A foreign transaction is  any transaction that you complete or a merchant completes on your  card outside of the U.S., Puerto Rico or the 
U.S. Virgin Islands; this may include internet transactions.

PLAN MERCHANT DISPUTES

13.
We are not responsible for the refusal of any VISA plan merchant  or financial institution to honor your Card. We are subject to claims and defenses (other than 
tort claims) arising out of goods or services you purchase with the Card only if you have made a good faith attempt, but have been unable  to obtain satisfaction 
from the  VISA plan merchant,  and 1) your purchase  was made  in response to  an advertisement  we sent or participated  in sending  you; or  2) your purchase 
cost more than $50.00 and was made  from a VISA plan merchant in  your state or within 100 miles  of your home.  Any other disputes must be resolved by you 
directly with the VISA plan merchant.

14. COPY RECEIVED
You acknowledge receipt  of a copy of this Agreement.

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YOUR  BILLING RIGHTS: KEEP THIS DOCUMENT FOR  FUTURE USE 

This notice  tells  you  about  your  rights  and  our  responsibilities  under 
the  Fair  Credit  Billing  Act. 

What  To Do If  You Find  a Mistake on  Your  statement 
If  you  think  there  is  an  error  on  your  statement,   write  to  us  on  a  separate 
sheet  at:  Fidelity- Customer  Service,  P.O.  Box  6818,  Carol Stream,  IL 60197-
6818 
In your  letter,  give  us  the  following  information: 
1. Your  name  and  account  number.
2. The  dollar  amount  of the  suspect error. 
3.

If  you  think  there  is  an  error  on  your  bill,   describe   what  you  believe   is
wrong  and  why  you  believe  it is a mistake. 

You must  contact  us: 

Within  60  days  after the  error  appeared on your  statement. 
At  least   3  business   days  before  an  automated   payment   is  scheduled,   if 
you  want  to  stop  payment  on the  amount  you  think  is wrong. 

You  must notify us  of  any  potential errors in  writing.  You  may call  us, but  if you 
do,  we  are  not  required to  investigate any  potential  errors and  you  may have  to 
pay  the  amount  in question. 

What  Will  Happen  After  We  Receive  Your  Letter 
When  we  receive  your  letter,  we must  do two  things: 
1. Within 30  days  of  receiving your  letter,  we  must  tell  you  that  we  received
your  letter.  We  will  also  tell you  if we  have  already corrected  the  error.
2. Within  90  days  of receiving  your  letter,  we  must either  correct  the  error  or 

explain  to you  why  we believe  the  bill is  correct.

While  we investigate whether  or not there  has  been  an error: 

If  we  do  not  believe  there  was  a mistake:  You  will  have  to  pay  the  amount 
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a 
statement  of  the  amount  you  owe  and  the  date  payment  is  due.  We  may 
then  report you  as  delinquent  if  you  do  not  pay  the  amount we  think  you 
owe. 

If  you  receive   our  explanation   but  still  believe   your  bill  is  wrong,   you  must 
write  to  us  within  10  days  telling  us  that  you  still  refuse  to  pay.  If  you  do  so, 
we  cannot  report you as delinquent without also reporting that you are questioning 
your bill.  We  must   tell   you  the  name   of  anyone   to  whom   we reported  you 
as  delinquent,    and  we  must  let  those    organizations    know    when  the  matter 
has  been  settled  between  us. 
If we  do not  follow  all  of the  rules  above,  you  do  not  have  to  pay  the  first  $50 
of the  amount  you  question  even  if your  bill  is  correct. 

Your Rights  If  You Are  Dissatisfied  With  Your Credit  Card  Purchases 
If  you  are  dissatisfied   with  the  goods   or  services   that  you  have  purchased 
with  your  credit  card,  and  you  have  tried  in  good  faith  to  correct  the  problem 
with  the  merchant,   you  may  have  the  right  not  to  pay  the  remaining   amount 
due  on the  purchase.  To use  this  right,  all of the  following  must  be true: 
1. The  purchase   must  have   been  made   in  your   home   state   or  within  100
miles  of  your  current  mailing  address,   and  the  purchase   price  must  have
been   more   than   $50.   (Note:   Neither   of   these   are   necessary    if   your
purchase   was  based  on  an  advertisement   we  mailed  to  you,  or  if  we  own
the  company  that  sold  you  the  goods  or services.) 

2. You  must  have  used your credit  card  for  the  purchase.   Purchases   made
with  cash   advances   from   an  ATM   or  with  a  check   that   accesses   your
credit  card  account  do not  qualify. 

We   cannot   try  to collect   the   amount   in question, or report you   as 
delinquent on that  amount. 
The   charge   in   question   may   remain   on  your   statement,   and   we  may 
continue  to charge  you  interest  on that  amount. 
While  you  do  not  have  to  pay  the  amount  in  question, you  are  responsible 
for the  remainder   of your  balance. 
We  can  apply  any  unpaid  amount  against  your  credit  limit. 

3. You  must  not  yet  have  fully  paid  for the  purchase. 
If  all  of  the   criteria   above   are  met   and   you   are   still   dissatisfied   with  the
purchase,  contact  us  in writing  at the  address(es)  listed  on your  statement.
While we  investigate,    the same   rules  apply to  the disputed   amount   as
discussed    above.   After we  finish   our  investigation,    we 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 delinquent.

After  we finish  our investigation, one  of two  things  will  happen: 

If  we  made a mistake:   You  will  not  have  to  pay  the  amount in  question or 
any  interest  or other  fees  related  to that  amount. 

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