Consumer Credit Card Agreement and Disclosure Statement 
                                            
                                   Effective Date 05/01/2012 
      
     1.0: ISSUER. Your Account is with Zions Bank. That means your indebtedness, rights and duties regarding this 
    Agreement, your Account and transactions in your Account are with Zions Bank, and not with National Bank of Arizona, 
    Nevada State Bank, Vectra Bank Colorado N.A. or another Affiliate Bank. No Affiliate Bank has any duty to you, and you 
    shall not assert any claims against any Affiliate Bank, regarding this Agreement, your Account or any transaction in your 
    Account, even if (a) you mostly bank with that Affiliate, (b) the Affiliate Bank�s name, logo or other branding is printed or 
    otherwise associated with your Card, Card Application, monthly statement or other Account materials, (c) the Affiliate Bank 
    marketed the Account to you, and/or (d) the Affiliate Bank may assist the Bank to administer your Account. 
     
    1.1: THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and Zions Bank that governs your 
    credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for your credit card 
    Account. This Consumer Credit Card Agreement includes the disclosures provided on the card carrier containing the Card 
    and any subsequent disclosures, all of which are fully incorporated herein by reference, and constitutes your Agreement with 
    us that covers your credit card Account. Review this Agreement carefully and keep it in your records. 
      
    1.2: ACCEPTING OR DECLINING THIS AGREEMENT.  This Agreement is automatically accepted by you on the earlier of 
    (a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account.  If you wish to decline 
    this Agreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by calling 1-888-
    758-5349 or writing to the address on the carrier containing your Card 
     
    1.3: DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement and 
    in your monthly statement.  
    Affiliate Bank: Means a bank subsidiary of Zions Bancorporation (other than Zions Bank). Affiliate Banks include, but are not 
    limited to National Bank of Arizona, Nevada State Bank, and Vectra Bank Colorado N.A.. 
    Zions Bank or Bank: Means Zions First National Bank, a national banking association. Zions Bank is the issuer of your Card 
    and holder of your Account. 
    We, us, and our: Refer to Zions Bank. 
    You and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the 
    primary applicant and any co-applicant. 
    Account:  Means your Visa or MasterCard   credit card account, together with the associated account number, all that we 
    grant under that account, and all Card(s) issued and any Credit Card Checks made available under that account. 
    Card Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.  
    Card Application: Means your credit application for your Account. 
    Card: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account. 
    Credit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account. 
    Outstanding Balance: Means the entire amount owing on your Account at any given time. 
    Cash Back: Is a cash-back rebate program of Bank and some Affiliate Banks for certain types of Accounts. 
    Credit Card Checks:  Means checks that Bank may provide you to access your Account.  
     
    1.4: AMENDING THIS AGREEMENT.  We may amend, add or delete (i.e., �change�) any term of this Agreement at any 
    time.  We will notify you of any change, and any right to reject that change, as required by law. To reject a change, you must 
    inform us in the manner and time period specified in our notice.  We will then close your Account and you will be required to 
    pay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may obtain that consent 
    from you verbally, in writing or electronically.  Whether or not consent is required, any further use of your Account after the 
    effective date of the change shall constitute your consent and acceptance.  Unless a longer period is specified by law, a 
    reasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be printed on, or enclosed 
    with, your monthly statement. 
          
    1.5: CREDIT LIMIT. Your Account�s initial Credit Limit appears on the carrier containing your Card.  Your updated Credit 
    Limit appears on each monthly statement.  You must not use or allow others to use your Card or Account in a way that 
    causes your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding Balance even if it exceeds 
    your Credit Limit. We may increase or decrease your Credit Limit at any time and will notify you of such change. You may 
    request a change in your Credit Limit by contacting us. 
     
    2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can require 
    you to surrender your Card to us, or to any merchant or financial institution where you have presented the Card. The Card is 
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    not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any time. You may 
     request additional Cards at no additional cost for family members or other persons that you authorize to use your Account, 
    but you remain responsible for all of their charges.  
     
    3.0: USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card 
    network rules and the law, your Card and Account can be used for the following:   
    3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted. 
    3.2: Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any 
    participating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank network 
    or other participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances. Certain 
    transaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your Account to $500 
    or less on any calendar day. Some ATMs have other limits.  Based on risk, we may further limit cash advances in our sole 
    discretion.  We have no obligation to you to enforce such transaction limits, and you owe all cash advances made.  Using 
    your Card to withdraw cash from an ATM located outside of the United States will create a cash advance from and charge to 
    your credit card Account, even if you select withdrawal from a checking, savings or other type of account.  �Quasi cash 
    transactions� such as using your Card for money orders, travelers� checks, foreign currency, lottery tickets or gambling chips 
    are treated as cash advances, not purchases.   
    3.3:  Balance Transfers.  You can request a balance transfer to your Account. You may not use a balance transfer to pay off 
    other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 4 to 6 weeks to process your 
    balance transfer request.  During that time, you should continue making payments to those accounts. Transaction Fees 
    apply. You will not earn any rewards points or cash back rebates on a balance transfer.  
    3.4: Credit Card Checks.  We may provide Credit Card Checks to access your Account. Use of a Credit Card Check creates 
    a cash advance. Transaction Fees apply.  Unused Credit Card Checks are the Bank�s property and must be returned upon 
    request.  We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You cannot stop 
    payment on a Credit Card Check.  
    3.5: Internet Transactions. If your Card is Visa branded, enrollment in the �Verified by Visa� program may be required after 
    3 internet purchases. If your Card is MasterCard branded, enrollment in the �MasterCard SecureCode� program may be 
    required after 3 internet purchases.  Enrollment in other security programs may also become required for internet purchases 
    with any Card.  Merchants and/or Bank may require your program password(s) before completing online transactions. By 
    allowing someone to use your program password(s), you are authorizing transactions by that person on your Account. 
     
    4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account 
    during the preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing 
    period, your minimum payment due, your payment due date (which is at least 25 days from the monthly statement closing 
    date), and other important information.  We send your monthly statement to only one address, even if the Account has 
    multiple owners. See the �BILLING RIGHTS SUMMARY� section near the end of this Agreement for important information 
    (including the need to promptly review your monthly statement and report any errors). 
     
    5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period 
    appears as the �New Balance� on your monthly statement. The Outstanding Balance at the end of the previous billing period 
    is called the �Previous Balance�. The New Balance is determined by taking the Previous Balance and (1) subtracting any 
    payments and credits received by us during the current billing period and then (2) adding any purchases, cash advances, 
    balance transfers, interest charges, fees, and other adjustments. 
     
    6.0: PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments must 
    be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all conversion fees, 
    bank collection fees and other expenses we may incur. (Such fees and expenses are treated as purchases.)  Do not send 
    cash payments. 
    6.1: Payment Due Date. Your payment due date is the same date each month.  If the minimum payment is not received by 
    5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in posting 
    your payment to your Account. Such delay may result in a late payment fee and additional interest charges. 
    6.2: Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the New 
    Balance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2) the greater 
    of: (a) $30 plus any late payment fees, or (b) 2.5% of the New Balance plus interest charges and any late payment fees. 
    Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your 
    balance. 
    6.3: Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid 
    interest charges, then to any late payment fee, then to the balance having the highest Annual Percentage Rate (APR), and 
    then to each successive balance bearing the next higher APR until the payment is exhausted. Balances having the same 
    APR will be paid beginning with the oldest balance first. You must pay at least the minimum payment amount on your 
    statement each month, even if you paid more than the minimum payment in an earlier month. 
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    6.4: Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement (such 
    as �paid in full� or �in settlement�).  We can receive and credit your Account with the amount of any late payments, partial 
    payments or payments with restrictive endorsements without losing or waiving our right to receive timely payment in full.  
    6.5: Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk, 
    however, we may delay when that payment increases your Account�s available credit.  
    6.6: Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty. 
     
    7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates and Fees and other disclosures are found on the 
    Table (at the end of this agreement) applicable to the Affiliate bank associated with your Card. The card carrier containing 
    your Card also includes disclosures specific to your Card Account. The terms of these disclosures are incorporated by 
    reference into this Agreement. Review these disclosures carefully and keep in your records. 
     
    8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not 
    received at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this 
    Agreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have furnished 
    false or misleading information on the Card Application; (e) you are in default under any other obligations you may owe to us; 
    or (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this Agreement.  If your 
    Account is in default, we may declare the Outstanding Balance immediately due and payable, close your Account, and 
    recover all Cards and unused Credit Card Checks. 
     
    9.0: ATTORNEYS FEES; COLLECTION EXPENSES; VENUE IN UTAH.  You agree to pay our reasonable collection 
    expenses, whether or not any court or arbitration proceedings are filed.  Collection expenses include reasonable attorneys 
    fees, the cost of Bank staff (including in house counsel), and out of pocket expenses (whether or not such expenses are 
    awardable as �court costs�). Unless prohibited by law, you agree that we may bring legal action against you in the State of 
    Utah, regardless of where you reside. 
     
    10.0: INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the 
    closing of your Account. 
    10.1: Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic 
    interest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly statement 
    by the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer from the date of 
    that purchase and balance transfer transaction. For every cash advance we charge interest from the date of that transaction. 
    There is no grace period during which a cash advance can be repaid without incurring an interest charge. 
    10.2: Periodic Interest Charge Calculation(s). The interest charged on purchase transactions and balance transfers is 
    calculated separately from the interest charged on cash advances. Those separately calculated interest amounts are then 
    combined to determine the total interest charged for the billing period. For each category of transactions, interest is 
    calculated as follows. (1) First, we determine the �average daily balance� by taking each day�s beginning balance, adding any 
    new transactions, and subtracting any payments or credits.  We do not add interest incurred during the billing period. The 
    result is the �daily balance.�  We then add all the daily balances for the billing period and divide by the number of days in the 
    billing period. The result is the �average daily balance� (also called the �balance subject to interest charge� on your monthly 
    statement). (2) Second, we multiply the average daily balance by the number of days in the billing period. That number is 
    then multiplied by the daily periodic rate (DPR) for that category of transactions. The resulting number is the interest charged 
    for that category of transactions.  If you are charged interest, the minimum interest charge will be no less than $1. 
     
    11.0: ANNUAL PERCENTAGE RATE (�APR�) AND DAILY PERIODIC RATE (�DPR�).  The APR and DPR for all 
    transactions are variable rates. The APR for a particular billing period is the sum of the Bank�s �Prime Rate� for that billing 
    period plus a �Margin.� The applicable Margin depends on the type of transaction and the type of credit card Account.  Daily 
                                              
    periodic interest is calculated using the DPR.  The DPR is 1/365th of the APR (or 1/366 in a leap year).  The APR and DPR 
    on the Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and for each category 
     of transactions, is disclosed in your monthly statement. 
     11.1: �Prime Rate� and the �Index�. The Prime Rate is equal to, and varies with, an independent index (the �Index�). The 
     Index is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank�s Prime Rate 
     is the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar month in which 
     that billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the Index becomes 
     unavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the amount of your 
    minimum payment, will increase or decrease as the Index and Bank�s Prime Rate increase or decrease. The resulting 
    changes in your APR and DPR will take effect on the first day of your billing cycle the following month. You acknowledge that 
    the Bank�s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its customers, now or in the 
    future.  
     
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    12.0: ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the carrier 
    containing your card. 
    12.1: Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when assessed, 
    and added to the balance of the transaction. 
    12.2: Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the balance of 
    the transaction. 
     12.3: Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we 
    charge a late payment fee.  
    12.4: Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because it 
    cannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item. 
    12.5: Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and 
    every twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in the 
    Table that appears on the carrier containing your Card.  
    12.6: International Transaction Fee. Each international transaction will be assessed a fee of the U.S. dollar amount of the 
    transaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars from a 
    foreign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars amount by Visa 
    International or MasterCard International Incorporated (as applicable) using its procedures in effect at the time. Under current 
    procedures, the foreign currency conversion rate is either a wholesale market rate or a government mandated rate in effect 
    one day prior to the date the transaction is processed by Visa or MasterCard. The currency conversion rate in effect on the 
    processing date may differ from the rate in effect on the transaction date or the posting date. This fee is added to the balance 
    of the transaction.   
    12.7: Research Fee.  If you request research on your Account (except for alleged billing errors by us), we may charge you a 
    research fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item. 
    12.8: Expedited Card Delivery Fee, and Emergency Card Fee.  We may charge a fee up to $75 if you request �expedited 
    delivery� of a Card that requires an outside delivery service provider.  We may also charge a fee up to $75 if you request to 
    personally obtain an �emergency Card� at our Bankcard Center that requires special card production. These fees are charged 
    to your Account as a purchase. 
      
    13.0: ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD: 
    13.1: Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit 
    appears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that 
    would at any time cause your Outstanding Balance to exceed your Credit Limit.  Any spending above your Credit Limit will 
    require contemporaneous approval by Bank pursuant to Section 13.2, and Bank may in its sole discretion for any reason 
    decline such approval. You are liable for the Outstanding Balance even if it exceeds your Credit Limit. The Bank may 
    increase or decrease your Credit Limit at any time and will notify you of such change. In addition, you may request a change 
    in your Credit Limit by writing to the address shown on your monthly statement or by calling 1-800-494-1698. 
    13.2: No Pre-Set Spending Limit: There is no pre-set spending limit on your card; no pre-set spending limit does not mean 
    unlimited spending. You agree to pay in full each month any amount that exceeds your Credit Limit. Each transaction that 
    causes your new balance to exceed your Credit Limit will be evaluated for approval based on factors such as card fraud, 
    account history, revolving balances, payment history, credit record, prior cash advances and safety and soundness 
    considerations. 
    13.3: Transfers. Not available on all Visa Signature cards, for cards with transfer capability the Card may be used at the 
    ATMs described above to make electronic transfers to or from your checking account, savings account or other consumer 
    asset account you may have at the Bank (subject to the Bank's rules, regulations and agreements governing such accounts, 
    which you should have already received and which are incorporated herein). You may request copies of these materials by 
    calling 1-888-758-5349. Transfers from your Card Account to your checking account, savings account or other consumer 
    asset account will be treated as a cash advance subject to a Cash Advance Transaction Fee. 
     
    14.0: REWARDS PROGRAMS 
    14.1: Cash Back Rebate Program Terms and Conditions: 
    The Cash Back Rebate program is not available on all credit card Account types. Program availability is at the sole discretion 
    of the Bank and Affiliate Banks. The Bank reserves the right to amend, cancel or change the Cash Back Rebate program at 
    any time with or without notice as permitted by law. If you participate in the Cash Back program, you are not permitted to 
    participate in the AmaZing Rewards� Points program.  
    14.1.1: Cash Back Rebate Program: From the date you open your Account (or the first day of the billing cycle following your 
    enrollment in Cash Back program, whichever is later) you can accrue a 1% Rebate for each dollar of qualifying net purchases 
    charged to your Account.  Certain transactions are ineligible for Rebates, including: cash advances, balance transfers, ATM 
    transactions, unauthorized charges, fraudulent charges, fees, interest charges, foreign cash transactions, casino gaming and 
    betting transactions and lottery tickets.  
    To participate in Cash Back program, you must have a deposit account at the Bank (or the participating Affiliate Bank for 
    which Bank issued your Card).  That deposit account must be in the same name as your credit card Account. Each time your 
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    total accrued Rebate reaches a $50 amount; your deposit account will be credited in increments of $50. A Rebate will not be 
     awarded if: (1) your deposit account is not in good standing or is closed; or (2) for any billing cycle, your credit card Account 
    is closed, not in good standing or not current on the closing date for that billing period. There is no cap on the amount of 
    Rebates you can earn. Accrued Rebates not paid will expire five years after the statement closing date of the billing cycle in 
    which they accrued. You are solely responsible for any taxes related to your Rebates. Rebates will be treated as a bank 
    credit to your deposit account and will not qualify as any kind of payment on your credit card Account.  
    We may reverse a Rebate by debiting your accrued Rebate or your deposit account for returned merchandise or for any 
    unauthorized purchase.  We reserve the right to reverse a Rebate and/or cancel benefits if we reasonably believe that a 
    purchase was returned or was not a bona fide purchase of goods or services delivered or performed by a merchant.  
    14.1.2: Cash Back Charity Option:  Not all Affiliate Banks offer the cash back to charity option; availability is at the sole 
    discretion of the Bank and Affiliate Banks. The Bank reserves the right to amend, cancel or change the Cash Back Charity 
    program at any time with or without notice as permitted by law. If you elect to enroll in the �Cash Back Charity� option, then 
    Bank will donate the Rebates that you earn under the Cash Back Rebate program to a Participating Charity (�Charity�) 
    instead of depositing those Rebates to your deposit account. You can change your designated Charity, or cancel your 
    enrollment in Cash Back Charity, at any time. By enrolling in Cash Back Charity, you acknowledge and agree to the following: 
    As a benefit and convenience only, the Bank is providing you a service to make cash contributions to Charity; the Bank only 
    provides a means of accruing and transferring cash to a Charity. The Bank is not affiliated with any participating Charity. The 
    number of participating Charities is limited. Selection of Charities that may participate is at the sole discretion of the Bank and 
    subject to change at any time without notice. Charities may withdraw from the program at any time. At its sole discretion, 
    Bank may add new and remove Charities to or from the program. If the Charity you selected no longer participates, you will 
    be notified and allowed to select a different participating Charity or to cancel your enrollment in Cash Back Charity. You 
    consent to the Bank releasing personal data to your selected Charity and its contractors so they can provide you with written 
    acknowledgement of your contributions and an annual statement for tax reporting. Bank makes no representation regarding 
    any tax benefits for any cash donation. Please contact your tax advisor regarding all tax reporting requirements and possible 
    tax benefits for your cash donation. All donations that have been donated or paid to a Charity are permanent and non-
    refundable.  
    14.2: AmaZing Rewards� Points Program Terms and Conditions: 
    These terms and conditions include the AmaZing Rewards disclosures provided on the Bank and Affiliate Banks online 
    websites and any subsequent disclosures, all of which are fully incorporated herein by reference. The AmaZing Rewards 
    program is not available on all credit card types. Program availability is at the sole discretion of the Bank and Affiliate Banks. 
    The Bank reserves the right to amend, cancel or change the program at any time with or without notice as permitted by law.  
    From the date you open your Account (or the first day of the billing cycle following your enrollment in the program, whichever 
    is later), unless an introductory or promotional offer is in effect, you can accrue 1 reward point for each dollar of qualifying net 
    purchases charged to your Account.  Certain transactions are ineligible for earning points, including: cash advances, balance 
    transfers, ATM transactions, unauthorized charges, fraudulent charges, fees and interest charges. Points will not be awarded 
    if for any billing cycle, your Account is closed, not in good standing or not current on the closing date for that billing period. 
    There is no cap on the amount of points you can earn. We may reverse points by debiting your accrued points for returned 
    merchandise or for any unauthorized purchase.  We reserve the right to reverse points and/or cancel benefits if we 
    reasonably believe that a purchase was returned or was not a bona fide purchase of goods or services delivered or 
    performed by a merchant.  
    If your Account is closed or the program is cancelled, for any reason, or membership in the program is terminated all points 
    not yet redeemed are forfeited. 
     
    15.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have given the Bank a 
    security interest in a savings account at the Bank to secure payment of your Account. If you withdraw your funds from the 
    savings account, the Bank has the right to close your Account. 
     
    16.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and individually 
    liable for the full balance of all amounts due on your Account.  Unless otherwise required by law, we may send all monthly 
    statements and other notices to any one of you.  Such monthly statements and notices shall be deemed received by each 
    and all of you. 
     
    17.0: INTERPRETATION; EFFECT. 
    17.1: Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is 
    closed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is 
    paid in full. 
    17.2: Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or 
    intention of any portion of this Agreement. 
    17.3: Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be 
    contradicted with evidence of any alleged oral agreement. 
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    17.4: Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain 
     enforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.  
     17.5: Delay in Enforcement.  Any delay by us in enforcing our rights or your obligations under this Agreement shall not be 
    deemed to release, waive, impair or discharge those rights or obligations.  
    17.6.: Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior written 
    permission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you. This 
    Agreement shall be binding upon the parties� heirs, representatives, successors, and assigns. 
    17.7: GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED IN 
    ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF UTAH, REGARDLESS OF 
    PRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD. 
     
    18.0: DISCLOSURES OF INFORMATION.  You consent to the release of personal data about you by the Bank to Visa 
    U.S.A., MasterCard, its Members, or their respective contractors for the purpose of providing the services described in this 
    Agreement, or emergency cash and emergency card replacement services. 
     
    19.0:  NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account, 
    Card or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to 
    conduct transactions in any country or territory, or with any individual or entity, that is subject to economic sanctions 
    administered and enforced by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC); or (d) to 
    gamble on the Internet. Display of a Visa logo, MasterCard logo, or other payment system logo by any person (e.g., an online 
    merchant), or acceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing 
    you, your Account or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we 
    believe may be prohibited under this section.  We may also block use of your Card in countries or territories subject to OFAC 
    sanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.   
     
    20.0: AGREEMENT TO PAY: You agree to timely pay your Outstanding Balance, regardless of whether the charges were 
    incurred for personal, family, household or business purposes. Your liability includes all charges made by all persons you 
    permitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check -- even if you were 
    unaware of the charges or they caused you to exceed your Credit Limit.  
     
    21.0: LIABILITY FOR UNAUTHORIZED USE: If your Card, Account number or Credit Card Checks are lost or stolen, or if 
    you think that someone used or may use them without permission, you agree to notify the Bank immediately by calling 1-888-
    758-5349. You may need to provide the Bank with certain information in writing to help the Bank determine what happened. 
    You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you notify the Bank 
    of any fraudulent transactions. 
    21.1: Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if you 
    notify the Bank within two business days. In any case, your liability will not exceed $50. 
     
    22.0: REFUSAL TO HONOR TRANSACTIONS: We are not responsible or liable for any claim arising from or related to: (a) 
    the refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or Credit Card 
    Check; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent provided in 
    �Billing Rights Summary� notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior credit 
    authorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to use the 
    Card in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order. 
     
    23.0: FINANCIAL AND CREDIT INFORMATION. 
    23.1: Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card Application. 
    23.2: Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations 
    about you, and to disclose to others credit information about your Account and your performance under this Agreement. We 
    may ask credit bureaus for reports of your credit history.  At your request, we will tell you whether or not we have requested 
    such reports, and the names and addresses of the credit bureaus furnishing the reports. 
    23.3: Negative Credit Reporting. You are hereby notified and agree that we may report information about your 
    Account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in 
    your credit report.  Please notify us if we report any inaccurate information about your Account(s) to a credit bureau. Your 
    written notice describing the specific inaccuracy should be sent to us at the following address: Zions Bank, BankCard 
    Services, P.O. Box 25787, Salt Lake City, UT 84125-0787 
     
    24.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home 
    address, or mailing address.  Until you notify us of updated information, we can send statements, notices and other 
    communications to the name and address in our records, and they will be deemed effectively delivered for all purposes. 
     
    178-0181 05/01/2012 �Zions Bank                                   Page 6   Member FDIC 
    25.0: CLOSING YOUR ACCOUNT: You may close your Account at any time by notifying us in writing. We may close your 
    Account at any time without cause and without notice. When your Account is closed (whether by you or us), your right to use 
    the Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact 
    everyone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.) to 
    cancel future transactions.  Such transactions may continue to be charged to your Account until you change the billing, and 
    you will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your 
    Account after you have requested to close your Account, we may (but are not required) allow the transaction to be charged to 
    your Account and you will be liable for the charges. 
     
    26.0: DISPUTE RESOLUTION PROVISION.  
    This Dispute Resolution Provision contains a jury waiver, a class action waiver, and an arbitration agreement (or 
    judicial reference agreement, as applicable), set out in four Sections. READ IT CAREFULLY.   
     
    SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES. 
    26.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall 
    supersede and replace any prior �Jury Waiver,� �Judicial Reference,� �Class Action Waiver,� �Arbitration,� �Dispute 
    Resolution,� or similar alternative dispute agreement or provision between or among the parties. 
     
    26.1.2: �DISPUTE� DEFINED. As used herein, the word �Dispute� includes, without limitation, any claim by either party 
    against the other party related to this Agreement, your Account, any transaction in your Account, any Card or a Credit Card 
    Check.  In addition, �Dispute� also includes any claim by either party against the other party regarding any other 
    agreement or business relationship between any of them, whether or not related to the Loan or other subject matter 
    of this Agreement. �Dispute� includes, but is not limited to, matters arising from or relating to a deposit account, an 
     application for or denial of credit, warranties and representations made by a party, the adequacy of a party�s disclosures, 
    enforcement of any and all of the obligations a party hereto may have to another party, compliance with applicable laws 
    and/or regulations, performance or services provided under any agreement by a party, including without limitation disputes 
    based on or arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a party 
    hereto.   
     
    If a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior lienholder or 
    title company), each party hereto agrees to consent to including that third party in any arbitration or judicial reference 
    proceeding for resolving the Dispute with that third party. 
      
    26.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in connection with 
    any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless submitted to binding arbitration pursuant 
    to Section 2 or judicial reference pursuant to Section 3. 
     
    In any lawsuit regarding a Dispute (a �Lawsuit�), following the service of a complaint, third-party complaint, cross-claim or 
     counterclaim or any answer thereto, any amendment to any of the above, or a ruling or entry of an order that has the effect of 
    invalidating jury trial waiver (any of the foregoing, an �ADR Event�), then at any time prior to trial of the Dispute, but not 
    later than 30 days after the ADR Event, any party shall be entitled to move the court for an order, as applicable: (A) 
    compelling arbitration and staying or dismissing the Lawsuit pending arbitration (�Arbitration Order�) under Section 2 hereof, 
    or (B) staying the Lawsuit and compelling judicial reference under Section 3 hereof.  Each party agrees that a party that 
    commenced or participated in the Lawsuit may demand arbitration of a Dispute after an ADR Event, and that the 
    commencement or participation in the Lawsuit shall not operate as a waiver of the right to compel arbitration. After entry of an 
    Arbitration Order, the non-moving party shall commence arbitration. The moving party shall, at its discretion, also be entitled 
    to commence arbitration but is under no obligation to do so, and the moving party shall not in any way be adversely 
    prejudiced by electing not to commence arbitration. 
     
    26.1.4: CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate any Dispute as a 
    class action (either as a member of a class or as a representative) or to act as a private attorney general. The waiver 
    in this paragraph applies whether the proceeding is in a court, in an arbitration, or in a judicial reference proceeding.  
     
    26.1.5: SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or expiration of this 
     Agreement, or any other relationship between the parties.   
      
     SECTION 2: AGREEMENT TO SUBMIT TO BINDING ARBITRATION (EXCEPT CALIFORNIA). This Section 2 is an 
    agreement to submit to binding arbitration of any Dispute between the parties.  This Section 2 shall not, however, apply 
    to any Dispute pending in a state or federal court located in the State of California, except to the extent such Dispute may 
    also be pending in a state or federal court located outside of California. 
     
    178-0181 05/01/2012 �Zions Bank                                   Page 7   Member FDIC 
    Each party agrees that it, he or she shall have the right, but no obligation, to require any Dispute between the parties be 
    resolved by arbitration. An arbitrator shall have no authority to determine matters (i) regarding the validity, enforceability, 
     meaning, or scope of this Dispute Resolution Provision, or (ii) class action claims brought by either party as a class 
     representative on behalf of others and claims by a class representative on either party�s behalf as a class member, which 
     matters may be determined only by a court without a jury. BY AGREEING TO RESOLVE FUTURE DISPUTES IN 
     ARBITRATION, THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT. 
      
     Arbitration under this provision shall be conducted before a single arbitrator through either the National Arbitration Forum 
     (�NAF�) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the initiating party, in accordance with the 
     rules of NAF or JAMS (the �Administrator�). However, if the parties agree, a licensed attorney may be selected by the parties 
     to conduct the arbitration without an Administrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and 
     if the parties are unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then either 
     party may file a Lawsuit and move for an Arbitration Order. The arbitrator, howsoever appointed, shall have expertise in the 
     subject matter of the Dispute. Venue for the arbitration proceeding shall be as stated elsewhere in this Agreement with 
     respect to any judicial proceedings between the parties. Absent such a provision, the arbitration shall be conducted at a 
     location determined by mutual agreement of the parties or by the Administrator if no agreement can be reached. The 
     arbitrator shall apply the law of the state specified in the agreement giving rise to the Dispute. 
    In any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay one half of the 
    Administrator's initial filing fee, up to $500. If Lender or Bank commences arbitration or is the moving party obtaining an 
     Arbitration Order, Lender or Bank shall pay all Administrator and arbitrator fees, regardless of whether or not the consumer is 
     the prevailing party in such arbitration, unless  such Dispute involves a claim for damages by a consumer and is found by the 
    arbitrator to be frivolous. For this paragraph, �consumer Dispute� shall mean a Dispute involving credit or services provided 
    by Lender or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than $75,000. 
     
    The Administrator and the arbitrator shall have the authority, to the extent practicable, to take any reasonable action to 
    require the arbitration proceeding to be completed within 180 days of commencing the arbitration. The arbitrator: (i) will 
    render a decision and any award applying applicable law; (ii) will hear and rule on appropriate dispositive motions for 
    judgment on the pleadings, for failure to state a claim, or for full or partial summary judgment; (iii) will give effect to any 
    statutory or contractual limitations period (e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall 
    have the authority to impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the 
    arbitrator, including, without limitation, the sanction of entering a final award against the party that fails to comply; (v) shall 
    have authority to award costs and fees (including attorneys' fees and costs, arbitration administration fees and costs, and 
    arbitrator(s)' fees) to the extent permitted by law; (vi) shall recognize and honor claims of privilege recognized at law; and (vii) 
    with regard to motions and the arbitration hearing, shall apply the Federal Rules of Evidence. The doctrines of compulsory 
    counterclaim, res judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder. 
     
    Commencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and obtaining from a 
    court of competent jurisdiction (notwithstanding ongoing arbitration) provisional or ancillary remedies including but not limited 
    to injunctive relief, temporary restraining orders, property preservation orders, foreclosure, sequestration, eviction, 
    attachment, replevin, garnishment, and/or the appointment of a receiver; or (ii) availing itself of any self-help remedies such 
    as setoff and repossession rights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a 
     waiver of the right to submit any Dispute to arbitration. 
      
     Judgment upon an arbitration award may be entered in any court having jurisdiction except that, if the arbitration award 
     exceeds $200,000, any party shall be entitled to a de novo appeal of the award before a panel of three arbitrators. To allow 
     for such appeal, if the award (including Administrator, arbitrator, and attorney�s fees and costs) exceeds $200,000, the 
     arbitrator will issue a written, reasoned decision supporting the award, including a statement of authority and its application to 
     the Dispute. A request for de novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration 
     award; if such a request is not made within that time period, the arbitration award shall become final and binding.  On appeal, 
     the arbitrators shall review the award de novo, meaning that they shall reach their own findings of fact and conclusions of law 
     rather than deferring in any manner to the original arbitrator.  Appeal of an arbitration award shall be pursuant to the rules of 
     the Administrator; if the Administrator has no such rules, then the JAMS arbitration appellate rules shall apply. 
      
     To request information on how to submit an arbitration claim, or to request a copy of an Administrator�s rules or fee schedule, 
     please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, Irvine, CA 92614, Phone: (949) 224-1810, 
     Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website: www.jamsadr.com; NAF: National Arbitration Forum, P.O. Box 
    50191, Minneapolis, MN 55405-0191, Phone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com. 
     
    Arbitration under this provision concerns a transaction involving interstate commerce and shall be governed by the Federal 
    Arbitration Act, 9 U.S.C. � 1 et seq.  If the terms of this Section 2 vary from the Administrator�s rules, this Section 2 shall 
    control.   
    178-0181 05/01/2012 �Zions Bank                                   Page 8   Member FDIC 
     
    SECTION 3: JUDICIAL REFERENCE (CALIFORNIA ONLY). If a Dispute between the parties hereto is filed in a state or 
     federal court located in the State of California, each party shall have the right, but not the obligation, to require that it be 
    resolved by judicial reference in accordance with California Code of Civil Procedure, Sections 638, et seq.. BY AGREEING 
    TO RESOLVE DISPUTES BY JUDICIAL REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT PARTY MAY 
    HAVE TO A JURY TRIAL. The referee shall be a retired judge, agreed upon by the parties, from either the American 
    Arbitration Association (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot agree on the 
    referee, the party who initially selected the reference procedure shall request a panel of ten retired judges from either AAA or 
    JAMS, and the court shall select the referee from that panel. If AAA and JAMS are unavailable to provide this service, the 
    court may select a referee by such other procedures as are used by that court. The referee shall be appointed to sit with all of 
    the powers provided by law, including the power to hear and determine any or all of the issues in the proceeding, whether of 
    fact or of law, and to report a statement of decision. Only for this Section 3, �Dispute� includes matters regarding the validity, 
    enforceability, meaning, or scope of this Section, and class action claims brought by either party as a class representative on 
    behalf of others and claims by a class representative on either party�s behalf as a class member. The parties agree that time 
     is of the essence in conducting the judicial reference proceeding set forth herein. Except as otherwise provided in this 
     paragraph, the costs of the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by 
     the parties as the costs are incurred, unless otherwise awarded by the referee. If Lender or Bank commences a judicial 
     reference proceeding regarding a consumer Dispute, Lender or Bank shall pay all referee fees, regardless of whether or not 
     the consumer is the prevailing party in such proceeding, unless such Dispute involves a claim for damages by a consumer 
     and is found by the referee to be frivolous.  For purposes of this paragraph, �consumer Dispute� shall mean a Dispute 
     involving credit or services provided by Lender or Bank, primarily for personal, family or household purposes, in which the 
     claim for damages is less than $75,000. The referee shall hear all pre-trial and post-trial matters (including without limitation 
     requests for equitable relief), prepare a statement of decision with written findings of fact and conclusions of law and 
     apportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal relief, provide all 
     temporary or provisional remedies, enter equitable orders that are binding on the parties and rule on any motion that would 
     be authorized in a trial, including without limitation motions for summary adjudication. Judgment upon the award shall be 
     entered in the court in which such proceeding was commenced and all parties shall have full rights of appeal. This provision 
     will not be deemed to limit or constrain Lender�s or Bank�s right of offset, to obtain provisional or ancillary remedies, to 
     interplead funds in the event of a dispute, to exercise any security interest or lien Bank or Lender may hold in property, or to 
     comply with legal process involving accounts or other property held by Bank or Lender. 
    Nothing herein shall preclude a party from moving (prior to the court ordering judicial reference) to dismiss, stay or transfer 
    the suit to a forum outside California on grounds that California is an improper, inconvenient or less suitable venue. If such 
    motion is granted, this Section 3 shall not apply to any proceedings in the new forum. 
     
    This Section 3 may be invoked only with regard to Disputes filed in state or federal courts located in the State of California. In 
    no event shall the provisions in this Section 3 diminish the force or effect of any venue selection or jurisdiction provision in 
    this Agreement or any Related Document.  
     
    SECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not 
     seek to enforce a jury waiver, class action waiver, arbitration provision or judicial reference provision in the event of suit, and 
     (ii) acknowledges that it and the other party have been induced to enter into this Agreement by, among other things, material 
     reliance upon the mutual waivers, agreements, and certifications in the four Sections of this DISPUTE RESOLUTION 
     PROVISION. 
      
     27.0: BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank's 
     responsibilities under the Fair Credit Billing Act. 
    27.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more 
    information about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights 
    Summary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the first 
    bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we will not 
    be required to investigate any potential errors. In your letter, include the following information: 
         �  Your name and account number. 
         �  The date and dollar amount of the suspected error. 
         �  Describe the error, and explain if you can, why you believe there is an error. If you need more information, 
            describe the item you are not sure about. 
    If you have authorized us to pay your Account automatically from your savings or checking account or you have authorized 
    an automatic payment on your Account, you can stop the payment on any amount you think is wrong.  To stop the payment 
    your letter must reach us three business days before the automatic payment is scheduled to occur. 
    27.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter 
    within 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we 
    believe the bill was correct.  
    178-0181 05/01/2012 �Zions Bank                                   Page 9   Member FDIC 
    After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue 
     to bill you for the amount you question, including interest charges, and we can apply any unpaid amount against your Credit 
     Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of 
     your bill that are not in question.  
     If we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges related 
    to any questioned amount. If we didn�t make a mistake, you may have to pay interest charges, and you will have to make any 
    missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the 
    date that it is due.  
    If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not 
    satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to 
    that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone 
    we report you to that the matter has been settled between us when it finally is. If we don�t follow these rules, we can�t collect 
    the first $50 of the questioned amount, even if your bill was correct. 
    27.3: 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 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 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 access your credit card account do not qualify. 
       (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: 
                                            
                                     BankCard Services 
                                      P.O. Box 25787 
                                 Salt Lake City, UT 84125-0787 
                                            
    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. 
              
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
                                            
    178-0181 05/01/2012 �Zions Bank                                   Page 10   Member FDIC 
    ADDENDUM: ZB1 � Zions Bank 
     
    This Addendum applies to the following Zions Bank credit cards: Visa Signature, Visa Platinum, Visa Classic and 
    MasterCard. 
     
                                           
     INTEREST RATES AND INTEREST CHARGES 
                                           
                               
     Purchases Annual Percentage Rate 
                              5.25% to 12.25% based on the card type and your creditworthiness. 
     (APR)                     
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  19.24%  
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    19.24%  
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will 
                              not charge you any interest on purchases and balance transfers if you pay 
                              your entire balance due by the due date each month. We will begin charging 
                              interest on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit 
     Federal Reserve Board    card, visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                           
     FEES 
                                           
                               
     Annual Account Fee       None  
                               
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $5. 
                               
     ?  Balance Transfer      2% of the transfer amount but not less than $5 or more than $50. 
                               
     ?  International Transaction  2% of the U.S dollar amount of the transaction, whether originally made in 
                              U.S. dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:           3.25% 
    Margin added to the Index to determine your APR for Purchases:       2.00% to 9.00% + Index = 5.25% to 12.25% 
    �  DPR for Purchases (APR divided by 365):         0.01438 to 0.03356 
    Margin is added to the Index to determine your APR for Balance Transfers:  15.99% + Index = 19.24%  
    �  DPR for Balance Transfers (APR divided by 365):        0.05271 
    Margin is added to the Index to determine your APR for Cash Advances:      15.99% + Index = 19.24%  
    �  DPR for Cash Advances (APR divided by 365):        0.05271 
      
      
    178-0181 05/01/2012 �Zions Bank                                   Page 11   Member FDIC 
    ADDENDUM: ZB2 - Zions Bank 
     
    This Addendum applies to the following Zions Bank credit cards: AmaZing Rewards Signature, AmaZing Cash 
    Signature, AmaZing Cash, AmaZing Rewards, AmaZing Rate, AmaZing Launch and AmaZing Launch Secured Credit Cards.  
     
                                            
     INTEREST RATES AND INTEREST CHARGES 
                                            
                               
     Purchases Annual Percentage Rate 
                              9.24% to 19.24% based on the card type and your creditworthiness. 
     (APR)                     
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  9.24% to 19.24% based on the card type and your creditworthiness. 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    20.24% to 22.24% based on the card type and your creditworthiness. 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will not 
                              charge you any interest on purchases and balance transfers if you pay your 
                              entire balance due by the due date each month. We will begin charging interest 
                              on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
     Federal Reserve Board    visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                            
     FEES 
                                            
                               
                               
     Annual Account Fee 
                              $25 for AmaZing Secured Launch Card. 
                               
                              None for all other card types named in this Table. 
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $10. 
                               
     ?  Balance Transfer      3% of the amount of the transaction, but not less than $10. 
                               
     ?  International Transaction  3% of the U.S dollar amount of the transaction, whether originally made in U.S. 
                              dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:        3.25% 
    Margin added to the Index to determine your APR for Purchases:    5.99% to 15.99% + Index= 9.24% to 19.24% 
    �  DPR for Purchases (APR divided by 365):      0.02532 to 0.05271 
    Margin added to the Index to determine your APR for Balance Transfers:   5.99% to 15.99% + Index= 9.24% to 19.24% 
    �  DPR for Balance Transfers (APR divided by 365):     0.02532 to 0.05271 
    Margin added to the Index to determine your APR for Cash Advances:      16.99% to 18.99% + Index= 20.24% to 22.24%  
    �  DPR for Cash Advances (APR divided by 365):     0.05545 to 0.06093 
      
    178-0181 05/01/2012 �Zions Bank                                   Page 12   Member FDIC 
    ADDENDUM: VBC1 � Vectra Bank 
     
    This Addendum applies to the following Vectra Bank credit cards: Visa Signature, Visa Platinum, Visa Classic, 
    MasterCard, Executive Banking Platinum and Private Banking Platinum Credit Cards. 
                                            
                                            
     INTEREST RATES AND INTEREST CHARGES 
                                            
                               
     Annual Percentage Rate (APR) for 
                              5.25% to 12.25% based on the card type and your creditworthiness. 
     Purchases                 
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  19.24%   
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    19.24%  
                                
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will not 
                              charge you any interest on purchases and balance transfers if you pay your 
                              entire balance due by the due date each month. We will begin charging interest 
                              on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
     Federal Reserve Board    visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                            
     FEES 
                                            
                               
     Annual Account Fee       Visa Platinum, Visa Classic and MasterCard: None 
                               
                              Visa Signature: $75 (first year is waived)  
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $5. 
                               
     ?  Balance Transfer      2% of the transfer amount but not less than $5 or more than $50. 
                               
     ?  International Transaction  2% of the U.S dollar amount of the transaction, whether originally made in U.S. 
                              dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:           3.25% 
    Margin added to the Index to determine your APR for Purchases:       2.00% to 9.00% + Index = 5.25% to 12.25% 
    �  DPR for Purchases (APR divided by 365):         0.01438 to 0.03356 
    Margin is added to the Index to determine your APR for Balance Transfers:  15.99% + Index = 19.24%  
    �  DPR for Balance Transfers (APR divided by 365):        0.05271 
    Margin is added to the Index to determine your APR for Cash Advances:      15.99% + Index = 19.24%  
     
     
    178-0181 05/01/2012 �Zions Bank                                   Page 13   Member FDIC 
    ADDENDUM: VBC2 � Vectra Bank 
     
    This Addendum applies to the following Vectra Bank credit cards: AmaZing Rewards Signature, AmaZing Cash 
    Signature, AmaZing Cash, AmaZing Rewards, AmaZing Rate and AmaZing Launch Credit Cards. 
     
                                            
     INTEREST RATES AND INTEREST CHARGES 
                                            
                               
     Purchases Annual Percentage Rate 
                              9.24% to 19.24% based on the card type and your creditworthiness. 
     (APR)                     
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  9.24% to 19.24% based on the card type and your creditworthiness. 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    20.24% to 22.24% based on the card type and your creditworthiness. 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will not 
                              charge you any interest on purchases and balance transfers if you pay your 
                              entire balance due by the due date each month. We will begin charging interest 
                              on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
     Federal Reserve Board    visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                            
     FEES 
                                            
                               
     Annual Account Fee       AmaZing Launch Card: $39 (first year is waived) 
                              All other card types: None 
                               
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $10. 
                               
     ?  Balance Transfer      3% of the amount of the transaction, but not less than $10. 
                               
     ?  International Transaction  3% of the U.S dollar amount of the transaction, whether originally made in U.S. 
                              dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:        3.25% 
    Margin added to the Index to determine your APR for Purchases:    5.99% to 15.99% + Index= 9.24% to 19.24% 
    �  DPR for Purchases (APR divided by 365):      0.02532 to 0.05271 
    Margin added to the Index to determine your APR for Balance Transfers:   5.99% to 15.99% + Index= 9.24% to 19.24% 
    �  DPR for Balance Transfers (APR divided by 365):     0.02532 to 0.05271 
    Margin added to the Index to determine your APR for Cash Advances:      12.99% to 18.99% + Index= 20.24% to 22.24%  
    �  DPR for Cash Advances (APR divided by 365):     0.05545 to 0.06093 
     
    178-0181 05/01/2012 �Zions Bank                                   Page 14   Member FDIC 
    ADDENDUM: NSB1 � Nevada State Bank 
     
    This Addendum applies to the following Nevada State Bank credit cards: Visa Signature, Visa Platinum, Visa Classic, 
    The Private Bank, Executive Banking and MasterCard Credit Cards. 
                                            
                                            
     INTEREST RATES AND INTEREST CHARGES 
                                            
                               
     Annual Percentage Rate (APR) for 
                              5.25% to 12.25% based on the card type and your creditworthiness.  
     Purchases                 
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  19.24%  
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    19.24% 
                                
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will not 
                              charge you any interest on purchases and balance transfers if you pay your 
                              entire balance due by the due date each month. We will begin charging interest 
                              on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
     Federal Reserve Board    visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                            
     FEES 
                                            
     Annual Account Fee       Visa Platinum, Visa Classic and MasterCard: None 
                               
                              Visa Signature: None 
                               
                              Executive Banking Visa Signature: $75 (first year is waived)  
                               
                              Secured Visa Classic: $25 
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $5. 
                               
     ?  Balance Transfer      2% of the transfer amount but not less than $5 or more than $50. 
                               
     ?  International Transaction  2% of the U.S dollar amount of the transaction, whether originally made in U.S. 
                              dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:            3.25% 
    Margin added to the Index to determine your APR for Purchases:        2.00% to 9.00% + Index = 5.25% to 12.25% 
    �  DPR for Purchases (APR divided by 365):          0.01438 to 0.03356 
    Margin is added to the Index to determine your APR for Balance Transfers:   15.99% + Index = 19.24%  
    �  DPR for Balance Transfers (APR divided by 365):         0.05271 
    Margin is added to the Index to determine your APR for Cash Advances:       15.99% + Index = 19.24%  
    DPR for Cash Advances (APR divided by 365):               0.05271  
      
    178-0181 05/01/2012 �Zions Bank                                   Page 15   Member FDIC 
    ADDENDUM: NSB2 � Nevada State Bank 
     
    This Addendum applies to the following Nevada State Bank credit cards: AmaZing Rewards Signature, AmaZing Cash 
     Signature, AmaZing Cash, AmaZing Rewards, AmaZing Rate, AmaZing Launch and AmaZing Launch Secured Credit Cards. 
     
                                            
     INTEREST RATES AND INTEREST CHARGES 
                                            
                               
     Purchases Annual Percentage Rate 
                              9.24% to 19.24% based on the card type and your creditworthiness. 
     (APR)                     
      
                              The APR will vary with the market based on the Prime Rate.  
                               
     APR for Balance Transfers  9.24% to 19.24% based on the card type and your creditworthiness. 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     APR for Cash Advances    19.24% 
                               
                              The APR will vary with the market based on the Prime Rate. 
                               
     Paying Interest          Your due date is at least 25 days after the close of each billing cycle. We will not 
                              charge you any interest on purchases and balance transfers if you pay your 
                              entire balance due by the due date each month. We will begin charging interest 
                              on cash advances on the transaction date. 
                               
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1. 
                               
                               
     For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, 
     Federal Reserve Board    visit the website of the Federal Reserve Board at 
      
                              http:/www.federalreserve.gov/credit card. 
                                            
     FEES 
                                            
                               
                               
     Annual Account Fee 
                              $25 for AmaZing Secured Launch Card. 
                               
                              None for all other card types named in this Table. 
     Transaction Fees:         
                               
     ?  Cash Advance          3% of the amount of the transaction, but not less than $10. 
                               
     ?  Balance Transfer      3% of the amount of the transaction, but not less than $5. 
                               
     ?  International Transaction  3% of the U.S dollar amount of the transaction, whether originally made in U.S. 
                              dollars or converted from a foreign currency. 
     Penalty Fees:             
                               
     ?  Late Payment          Up to $25 
                               
     ?  Returned Payment      Up to $25 
     
    How we will calculate your balance: We use a method called �average daily balance (including new purchases)�. See your 
     account agreement for more details.  
     
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account agreement. 
      
    How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES (DPR): 
    �  Unless an introductory or promotional APR is in effect, we add a �Margin� to the Prime Rate (�Index�) to determine your 
       APR. 
    �  DPRs are calculated by dividing the applicable APR by 365 (366 in a leap year). 
    Variable APR and DPR Calculations: 
    Prime rate Index in effect:        3.25% 
    Margin added to the Index to determine your APR for Purchases:    7.99% to 15.99% + Index= 11.24% to 19.24% 
    �  DPR for Purchases (APR divided by 365):      0.03079 to 0.05271 
    Margin added to the Index to determine your APR for Balance Transfers:   7.99% to 15.99% + Index= 11.24% to 19.24% 
    �  DPR for Balance Transfers (APR divided by 365):     0.03079 to 0.05271 
    Margin added to the Index to determine your APR for Cash Advances:      15.99% + Index= 19.24%  
    �  DPR for Cash Advances (APR divided by 365):     0.05271 
      
    178-0181 05/01/2012 �Zions Bank                                   Page 16   Member FDIC