payment instrument marked “Paid in Full” that you send without a written explanation of the 
disagreement or dispute, we will not have waived our right to collect any remaining amount 
you owe us under the terms of the Account.  
23.  Default:  You and the Account will be in default if:
(a)  you do not make the Minimum Payment by the Payment Due Date (disclosed on the 
monthly Account statement as the Payment Due Date);
(b)  you violate any other provision of this Agreement;
(c)  you become insolvent, assign any property to your creditors, or go into bankruptcy            
or receivership;
(d)  you have made false statements affecting the application or maintenance of your Account;
(e)  you go over your Credit Limit;
(f)  we have any reason to believe that the Account is in danger of, or is being used for fraud; or
(g)  anything happens that we believe in good faith materially increases the risk that you will 
not live up to your payment and other obligations under this Agreement.
If you are in default, we may, to the extent permitted by applicable law, set-off and withdraw 
any portion or all of the amount due under your Account Agreement against any balance, 
credit, deposits, accounts, or other property of yours in our possession, after giving you any 
notice required by applicable law.  Should the obligation fall delinquent, and a judgment is 
obtained then the judgment shall accrue interest at the rate of 18.0% per annum until the 
judgment is Paid in Full. 
24.  Illegal Purchases:  The Card must not be used for any unlawful purpose, such as 
tending any account that is set up to facilitate online gambling.  You agree that you will not 
use or knowingly permit another to use the Card or Account for any transaction that is illegal 
under applicable law.

THE BANK’S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT
25.  Ownership of this Account; Governing Law:  Your Card and any other Account 
access devices that we supply to you are our property, and must be immediately returned 
to us or otherwise destroyed or surrendered as we instruct.  We extend all Account credit to 
you in and from the State of Iowa, regardless of where you reside or use the Account.  This 
Agreement is governed by Iowa law, and, to the extent necessary for interest exportation 
or consumer protection purposes, by federal law, regardless of the internal conflict of law 
principles of the state where you reside or use the Account.  If a dispute arises and you file a 
lawsuit against us, service or process must be made on the Bank at the following address:  

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

26.  Changing the Agreement:  The Bank may change all or any part of this Agreement 
at any time, including changing the APR and other fees on the Account, unless prohibited 
by law.  We will give at least 30 days notice before the effective date of any change.  On 
the effective date, the changes, including any changes in APR or recalculation of Finance 
Charges, will apply to all amounts you owe at the time the change goes into effect.  If you 
do not agree to the changes, you must notify us in writing within 25 days after the effective 
date of the change; you also must pay any remaining amount due and destroy the Card.  
You may pay the remaining amount all at once or the Bank may allow you to continue 
making payments under the existing terms.  Otherwise, you will have agreed to the changes 
in the notice.  Use of the Account after the effective date of the changes shall be deemed 
acceptance of the new terms, even if the 25 days have not expired.
27.  Cancellation:
(a)  The Bank may cancel the Account or suspend credit privileges immediately and without 
notice if the Account is in default.  We may also cancel the Account in our sole discretion 
(even if the Account is not in default) by providing notice to you.  You may cancel the 
Account by providing notice to us.
(b)  After cancellation of the Account, you will not be able to obtain additional credit on the 
Account and must agree not to use the Account.  All amounts outstanding on the Account will 
be immediately due and payable without notice or demand.
(c)  If you fail to pay any amount you owe under this Agreement, you will be liable for our 
costs of collecting.  In addition, if we refer our claim to an attorney for collection, you will be 
liable for reasonable attorney’s fees we incur and expenses of any legal actions.
28.  Assignment of your Account to Another Creditor:  We may assign, sell, or transfer 
your Account and amounts owed by you to another creditor at any time.  If we do, this 
Agreement will still be in effect unless and until amended and any references made in this 
Agreement to “we”, “us”, “our”, or “the Bank” will refer to the creditor to which we assigned, 
sold, or transferred the Account or amounts owed under the Account.  You may not delegate 
your obligation and responsibilities to us to any third party without our express written 
consent.

THE BANK’S LEGAL RIGHTS AND OBLIGATIONS
29.  Collecting Credit Information About You:  You authorize us to make any credit, 
employment, and investigative inquiries we feel are appropriate related to giving you credit 
or collecting amounts owed on your Account.  You agree that a consumer credit report or 
business bureau file request, as applicable, may be requested periodically from one or more 

credit reporting agencies (credit bureaus) and used in connection with your application and 
any update, renewal, or extension of credit.  We may provide information about you, your 
Account, or your credit history to credit reporting agencies and others who may properly 
receive that information.
30.  Credit Bureau Disputes:  If you believe we inaccurately reported credit history 
information about you or the Account to a credit bureau, call us at 1-800-445-5725 or write 
to us at: 

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

31.  Refusal to Honor Transactions:  The Bank and its agents are not responsible if anyone 
refuses to honor your Card or a Convenience Check, or if authorization for a particular 
transaction is not given.  Although you may have credit available under the Account, we 
may be unable to authorize credit for a particular transaction.  The number of transactions 
you make as well as the dollar amount you may withdraw from or charge to your Account in 
one day may be limited, and the limit per day may vary.  These restrictions are for security 
reasons.  And, as a result, we cannot explain the details of how this system works.  If your 
Account is over limit or delinquent, authorization of credit for transaction may be declined.  
We are not responsible for anything Purchased with your Card or a Convenience Check, 
except as expressly required by applicable law (see “Your Billing Rights” section for more 
details.)  You must return goods you Purchased with the Card or Account to the Merchant 
and not to us.  Third party offers – From time to time, third parties may provide you with 
benefits not related to the extension of Account credit.  We are not liable for these features, 
services and enhancements, as they are the sole responsibility of the third party provider.  
The Bank and/or third party may add, change, or delete entirely these benefits without notice 
or liability to you, to the extent permitted by applicable law.  You agree to hold us harmless 
form any claim, actions, or damages resulting from your use of any of these features, 
services, or enhancements, when permitted by applicable law.
32.  Telephone Monitoring:  From time to time, we may monitor telephone calls you make 
to us or our agents.
33.  Severability:  If a court of competent jurisdiction finds any part of this Agreement illegal 
or unenforceable, the remaining portions of the Agreement will remain in effect as written 
after any such illegal or unenforceability porting is amended in compliance with applicable 
law or, if necessary, voided.
34.  Entire Agreement:  This version of the Agreement replaces any previous versions of the 
Agreement.  The Agreement, as modified by any change in terms we may deliver from time 
to time in accordance with applicable law, constitutes the entire agreement between you and 
us, and supersedes any prior negotiation or understanding between you and us concerning 
the subject matter of the Agreement.
35.  Waiver:  We do not give up our rights under the Agreement or applicable law when we 
fail to exercise or delay exercising these rights.  Our failure or delay to exercise any right or 
remedy we have against you does not mean that we waive that right.
36.  Arbitration:  In requesting an Agreement from us and accepting the Agreement, you 
agree that if a dispute of any kind arises out of this Agreement, either you or we may choose 
to have that dispute resolved by binding arbitration.  If arbitration is chosen by any party, 
neither you nor we will have the right to litigate that claim in court or to have a jury trial on 
that claim, or to engage in pre-arbitration discovery, except as provided for in the arbitration 
rules.  In addition, you will not have the right to participate as a representative or member of 
any class of claimants pertaining to any claim subject to arbitration.  The Arbitrator’s decision 
will generally be final and binding.  Other rights, that you would have if you went to court, 
may also not be available in arbitration.  It is important that you read the entire Arbitration 
Provision carefully before accepting the terms of this Agreement.
Any claim, dispute, or controversy (whether in contract, regulatory tort, or otherwise, whether 
pre-existing, present, or future and including constitutional, statutory, common law, intentional 
tort, and equitable claims) arising from or relating to (a) the Card it offered or provided to 
you; (b) the actions of you, or third parties; or (c) the validity of this arbitration provision 
individually and collective, (a “Claim”) must, after an election by you or us, be resolved 
by binding arbitration in accordance with this arbitration provision and the Commercial 
Arbitration Rules of the American Arbitration Association (“AAA”) in effect when the Claim 
is filed (or, in the event this arbitrator or these arbitration rules are no longer available, then 
a comparable substitute arbitration procedure and/or arbitration organization that does 
business on a nationwide basis).  There shall be no authority for any Claim to be arbitrated 
on a class action basis.  An arbitration can only decide our or your Claim and may not 
consolidate or join the claims of other persons who may have similar Claims.  You may 
obtain rules and forms by calling the AAA at 1-800-778-7879.  Any arbitration hearing that 
you attend will take place in the federal judicial district where you reside.  At your request, 
we will advance the first $250.00 of the filing and hearing fees for any Claim you may file 
against us.  The arbitrator will decide whether we or you will ultimately pay those fees.  The 
arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act 
(FAA) and applicable statutes of limitation, and shall honor claims of privilege recognized 
at law.  Judgment upon the award rendered by the arbitrator may be entered in any court 
having jurisdiction.  This Arbitration Provision shall survive repayment of your extension of 

credit and termination of your Account.  The Arbitration Provision shall be governed by the 
FAA, 9 U.S.C. §1 through §6.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
This is important information about your rights and our responsibilities under the Fair Credit 
Billing Act.  
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong or you need more information about an item or transaction on 
your monthly billing statement, YOU MUST WRITE TO US ON A SEPARATE SHEET OF 
PAPER AND SEND IT TO:

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

Write to us as soon as possible. We must hear from you no later than 60 days after we sent 
you the first bill where the error or problem appeared.  You can telephone us, but doing so 
will not preserve your legal rights under the Fair Credit Billing Act.  In your letter, include the 
following information:
(1)  Your name and Account number;
(2)  the dollar amount of the suspected error;
(3)  the date the transaction occurred (if possible); and
(4)  describe the error, and explain if you can why you believe there is an error.  If you need 
more information, describe the items you are not sure about.  If you have authorized us to 
pay your credit card bill automatically from your savings or checking account, you can stop 
the payment on any amount you believe is wrong.  To stop the payment, your letter must 
reach us three business days before the automatic payment is scheduled to occur.
YOUR RIGHTS AND RESONSIBILITIES AFTER WE RECEIVE WRITTEN NOTICE
We must acknowledge your letter within 90 days, unless we have corrected the error 
by then.  Within 90 days, we must either correct the error or explain why we believe the 
statement was correct.
After we receive your letter, we cannot try to collect any amount you questioned or report 
your Account as delinquent.  We can continue to bill you for the amount you questioned, 
including Finance 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 Account that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any Finance Charges 
related to the questioned amount.  If we did not make a mistake, you may have to pay 
Finance Charges and you will have to make up any missed payments on the questioned 
amounts.  In either case, we will send you a statement of the amount you owe and the 
Payment Due Date.
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 us within ten 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.
SPECIAL RULES FOR CREDIT CARD PURCHASES
If you have a problem with the quality of property or services that you 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 property or services.  There are 
two limitations on this right and both must apply:
(1)  You must have made the Purchase in your home state or, if not within your home state 
within 100 miles of your current mailing address; and 
(2)  The purchase price must have been more than $50.00.
The conditions do not apply if we own or operate the Merchant or if we mailed you the 
advertisement for the property or services.
SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES 
MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS.

eServices Department
Hills Bank and Trust Company
131 Main Street
P.O. Box 160
Hills, Iowa 52235
1-800-445-5725

We may report information about your Account to credit bureaus.  Late payments, missed 
payments, or other defaults on your Accounts may be reflected in your credit report.

Rev. 6/11

Visa Platinum
Credit Card 
Agreement

Hills Bank
and Trust Company
Member FDIC • hillsbank.com

eServices Department
131 Main St • PO Box 160
Hills, IA 52235
1-800-445-5725

 
   
    
    
    
    
 
     
     
     
    
    
     
     
     
      
 
       
       
      
         
This is a card member agreement and disclosure statement (“Agreement”) between you and 
Hills Bank and Trust Company containing the terms that will apply to your Hills Bank Visa 
Platinum (“Account”).  In this Agreement, “you” and “your” means each individual accepting 
a solicitation or applying for the Account or otherwise agreeing to be responsible for the 
Account.  “We”, “us”, “our”, and “the Bank” means Hills Bank and Trust Company, the issuer 
of the Card and your Account creditor.  Other terms are defined in the text of the Agreement.  
Please read this Agreement carefully and keep it in a safe place to make the best use of 
the Hills Bank credit card we issue with this Account (the “Card”).  The Agreement becomes 
effective as soon as you or someone authorized by you uses the Card or Account, but no 
later than 30 calendar days after we issue and you fail to return the Card.

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT
1.  Use:  Charging privileges on the Card and Account are provided by the Bank pursuant to 
the terms of this Agreement.  Charge activity, Account status, and any Account delinquency 
information will be provided to you monthly.  You may use the Card to obtain an Advance (as 
defined below) from a participating financial institution or Automated Teller Machine (ATM).  
You may use the Account only for personal, family, or household purposes.  
2.  Your Acceptance of the Agreement:  By accepting, signing, or using this Card or 
Account, or by continued use of an existing Card or Account, you are agreeing to the terms 
of this Agreement.
3.  Account Purchases:  You may use the Account to buy, lease, or otherwise obtain goods 
or services from participating merchants (including transactions you initiate via email, by 
telephone, or over the Internet) or take advantage of special promotional Convenience 
Check or Balance Transfer offers that post as Purchase Transactions (“Purchases”).  We 
will, in connection with any promotional Balance Transfer or Convenience Check offer we 
make, provide you with materials that explain whether those transactions will post and 
be treated as a Purchase.  Even if you have not signed a sales draft or the merchant has 
not supplied you with a written receipt or other proof of sale, you are responsible for all 
Purchases made through the Account, except as expressly limited by applicable law.  See 
“Your Billing Rights” section for more detail.
4.  Account Advances:  Advances are transactions other than Purchases that allow you 
direct access to funds available through your Account.  Advances may include Account 
transactions such as cash advances you obtain directly from us, other participating financial 
institutions, ATMs, telephone transfers, Balance Transfers, or Convenience Checks.  
Monthly Account statements we issue may refer to Advances as “Advance”, “Cash”, “Cash 
Advances”, or by the product or device you used to obtain an Advance.  You may use 
your Account to obtain cash either by presenting your Card at any bank or other financial 
institution that accepts the Card or by making a withdrawal of cash at an ATM.  We may 
restrict the amount of the credit limit that is available for Advances.  If an Advance limit 
greater than the percentage available is requested, it will be subject to credit approval.  You 
may be limited in the amount and/or number of Advances you may make on your Account.
5.  Convenience Checks:  From time to time, we may supply Convenience Checks for 
use by the person(s) named on those checks.  Convenience Checks are drafts that look 
like other checks, but are drawn on credit available in the Account.  We may, based on 
the particular offers we make from time to time, provide Convenience Checks that will post 
and be treated as an Advance or Convenience Check that will post and be treated as a 
Purchase.  We will, in connection with any Convenience Check we provide, include materials 
that explain whether the Convenience Check will post and be treated as an Advance or 
as a Purchase.  Convenience Checks must be written in U.S. dollars.  We may return a 
Convenience Check unpaid if:  
(a)  the credit available under your Credit Limit is less than the Convenience Check amount;
(b)  the Account is in default; or
(c)  the Convenience Check is improperly signed or otherwise fails to conform to our
regularly accepted standards for check payment.  Convenience Checks may not be used
to pay the Account or any obligation you owe us or our affiliates.
6.  Paying and Stopping Payment on Convenience Checks:  You must use the number 
and address provided in the “Lost or Stolen Card or Convenience Check” sections to request 
that payment be stopped on a Convenience Check.  You must call us promptly with an oral 
stop payment request and then provide us with a written confirmation of the stop payment 
request within 14 calendar days.  Any stop payment request we receive will remain in effect 
for 6 months, unless you renew the request in writing before the end of that time.  We may 
pay Convenience Checks more than 6 months old.  There may be circumstances under 
which a Convenience Check must be paid, even if we have received a stop payment request 
from you.  We will not be liable to you if we do not honor your stop payment request under 
those circumstances.  If it is determined that a Convenience Check should have been paid, 
but was not, we will not be liable for any consequential, punitive, or incidental damages if 
we acted in good faith.  Our only obligation under those circumstances will be to pay the 
designated payee the amount of the Convenience Check and cancel any charges assessed 
against your Account as a result of any wrongful failure to honor the Convenience Check.
7.  Balance Transfers:  We may permit you to transfer balances from other companies, 
including financial institutions.  However, you cannot make Balance Transfers from the 
Bank accounts.  The amount of your total Credit Limit which we may allow to you for a 
Balance Transfer reduces the amount of the Credit Limit available for Purchases and 
Advances.  Finance Charges on your Balance Transfers accrue from the date of transfer 

to your Account.  If you reach your limit on the amount of credit we allocate to you for one 
or more Balance Transfers, you may not transfer additional balances even if you have not 
reached your total Credit Limit.  Balance Transfers will post to the Account and be separately 
reflected on the monthly Account statements as a Balance Transfer, or, depending upon the 
offer, may post to the Account and be treated as a Purchase, or as an Advance transaction.

FINANCE CHARGES AND ACCOUNT FEES
8.  Account Finance Charges:  Finance Charges reflect the cost of credit.  Your total 
Finance Charge for any billing cycle will equal the amount of any (a) periodic rate Finance 
Charges (sometimes referred to as “interest” here and on monthly Account statement); (b) 
Advance transaction fees; and (c) any other transaction fees that are considered Finance 
Charges.  In some of the following sections we have abbreviated the terms “monthly periodic 
rate” as MPR, “average daily balance” as “ADB”, and “annual percentage rate” as “APR”.
9.1  Introductory rate:  Your Annual Percentage Rate and the corresponding monthly 
periodic interest rates are listed on the attached rates and fee table.  The Prime Rate used 
to calculate the APR will be the Prime Rate on the 15th day of each month or the first regular 
business day thereafter as published on that business day in the Money Rates column of 
The Wall Street Journal (“WSJ”). The APR may increase if the Prime Rate increases. An 
increase will take effect the day after your statement cycles following the 15th of the month. 
An increase will result in an increase in the finance charge and it may have the effect of 
increasing your periodic minimum payment. The APR will not change more often than 
once a month. A decrease will have the opposite effect of an increase. If the Prime Rate 
changes more frequently than the APR, we will always use the Prime Rate in effect on the 
day we adjust the APR to determine the new APR. In such case we will ignore any changes 
in the Prime Rate that occur between APR adjustments. Any rate change will be applied 
to all balances carried forward from the last statement. We reserve the right to choose a 
comparable new index if the WSJ ceases to publish a Prime Rate.
9.2  Interest Rate for Cash Advances:  The MPR and the corresponding variable APR will 
be determined by adding nine percentage points (9.0%) to the Prime Rate in respect of the 
Account for the billing cycle. The Prime Rate used to calculate the APR will be the Prime 
Rate on the 15th day of each month or the first regular business day thereafter as published 
on that business day  in the Money Rates column of WSJ.  The APR may increase if the 
Prime Rate increases.  An increase will take effect the day after your statement cycles 
following the 15th of the month.  An increase will result in an increase in the finance charge 
and it may have the effect of increasing your periodic minimum payment.  The APR will 
not change more often than once a month.  A decrease will have the opposite effect of an 
increase.  If the Prime Rate changes more frequently than the APR, we will always use 
the Prime Rate in effect on the day we adjust the APR to determine the new APR.  In such 
case we will ignore any changes in the Prime Rate that occur between APR adjustments.  
Any rate change will be applied to all balances carried forward from the last statement.  We 
reserve the right to choose a comparable new index if the WSJ ceases to publish a Prime Rate.
10.  Interest Finance Charge:  Finance Charges on your Account for Purchases and 
Advances are calculated separately.  
Purchases (Method G)  
A Finance Charge will be imposed on Purchases only if you elect not to pay the entire New 
Balance shown on your previous monthly statement within 25 days from the closing date 
on the statement.  If you elect not to pay the entire New Balance shown on your previous 
monthly statement within 25 days from the closing date on the statement, a Finance Charge 
will be imposed on the unpaid balance of Purchases from the statement closing date 
(including new Purchases) and will continue to accrue until the closing date of the billing 
cycle preceding the date on which the entire New Balance is paid in full or until the date of 
payment if more than 25 days from the closing date.
The Finance Charge for a billing cycle is computed by applying the Monthly Periodic Rate 
(which is the APR divided by 12 months) to the Average Daily Balance of Purchases, which 
is determined by dividing the sum of the daily balance of Purchases during the billing cycle 
by the number of days in the cycle.  Each daily balance is the principal balance including 
current cycle Purchases and payments and credits as received, but excluding any unpaid 
Finance Charges.
Cash Advances (Method A)  
A Finance Charge will be imposed on Advances from the date of the Advance or from the 
first day of the billing cycle in which the Advance is posted to the Account, whichever is later, 
and will continue to accrue until the date of payment.  The Finance Charge for a billing cycle 
is computed by applying the Monthly Periodic Rate (which is the APR divided by 12 months) 
to the Average Daily Balance and Advances which is determined by dividing the sum of the 
daily balances of Advances during the billing cycle by the number of days in the cycle.  Each 
daily balance is determined by adding to the Previous Balance (the outstanding balance of 
your Account at the beginning of the billing cycle) any Purchase as of the date it is posted 
to your Account and any Advances as of the transaction date or the first day of the billing 
cycle in which the Advance is posted to the Account, whichever is later, and subtracting all 
payments as received and credits as posted through that date, but excluding any unpaid 
Finance Charges.
Any Finance Charge shown on your monthly statement is computed only through the last 
date of the billing cycle.  Since Finance Charges continue to accrue until the date your 
payment is received and posted to your Account, additional Finance Charges may appear on 

the following month’s statement.  The amount of the Finance Charge and the Advance Fee 
may be changed from time to time.  There is a minimum Finance Charge of 50 cents in any 
billing cycle in which a Finance Charge is due.
11.  Grace Period:  You have a 25 day Grace Period for Purchases (including any 
promotional Balance Transfers or Convenience Checks that will post as Purchases), 
provided you have paid your Previous Balance in full by the Payment Due Date shown 
on your monthly Account statement.  In order to avoid additional Finance Charges on 
Purchases, you must pay your New Balance in full by the Payment Due Date shown on the 
front of your monthly Account statement.  There is no grace period for transactions that post 
to the Account as Advances.  Those transactions are subject to interest from the date they 
post to the Account until the date they are paid in full.
12.  Account Fees:  We may charge the following fees.  The amounts of these fees are 
listed in the attached rates and fee table.
(a)  Cash Advance Transaction Fee:  We will add a Finance Charge to the Advance 
balance of the Account in the form of the Advance Transaction Fees disclosed below for 
each Advance you obtain during a billing cycle.  The fees imposed will equal the greater of 
the fees based on a disclosed percentage of each Advance of the minimum dollar amount, 
shown below.

MINIMUM
MAXIMUM:
$ 5.00
$15.00

PERCENTAGE 
OF CASH FEE: 
3.0% 

CASH RECEIVED 
FROM:  
FINANCIAL INSTITUTION 
OR ATM 
(b)  Annual Fee:  None 
(c)  Late Payment Fee:  We will add a Late Payment Fee of $27.00 to the Purchase balance 
of the Account if your Minimum Payment is not received by the Payment Due Date shown on 
the monthly Account statement.
(d)  Returned Payment Fee:  We will add a Returned Payment Fee of $27.00 to the 
Purchase balance of the Account if a draft or check you give us as payment on the Account 
is not honored or if we must return it to you because it cannot be processed.  A check that is 
returned unpaid may be sent for collection.
(e)  Returned Convenience Check Fee:  We may charge a fee of $35.00 to the Purchase 
balance of the Account if you write a Convenience Check that we do not honor under the 
terms of this Agreement.  (See “Convenience Checks”, and “Paying and Stopping Payment 
on Convenience Checks” sections for more details). 
(f)  ATM Surcharges:  When you use an ATM not owned by us, you may be charged a fee 
by the ATM owner or network used to complete the transaction and you may be charged for 
a balance inquiry.
(g)  Card Usage Reports Fee:  We may offer additional reports regarding Card usage and 
Account transactions which will be provided upon your request for an agreed upon fee. 
(h)  Foreign Transactions:  A 1.0% fee is assessed only on international transactions when 
a currency conversion occurs.  Visa will also impose a 0.8% fee on foreign transactions 
where a currency conversion is not performed.   

IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT
13.  Credit Limit:  The Account Credit Limit is the maximum amount of credit available and 
that you may owe under the Account at any time.  You may not request or obtain additional 
Purchases, Advances, or Balance Transfers once you have reached your Credit Limit.  
The initial Credit Limit is shown on the Card carrier and will also appear on your monthly 
Account statement.  We reserve the right to review your Account at any time and increase 
or decrease your Credit Limit.  You may not increase your Credit Limit by carrying a credit 
balance over the Credit Limit we make available to you.  (Also see the “Advance Limits” 
section for more information about Limits on Advance transactions section.)
14. Payment:
(a)  Promise to Pay:  You agree to pay for all Purchases, Advances, Finance Charges, fees, 
and any other obligations incurred on the Account.
(b)  Method of Payment:  You must pay us in U.S. dollars with checks or similar payment 
instruments drawn on a financial institution located in the United States.  We may, at our 
option, choose to make an exception and accept a payment drawn on a foreign bank.  
However, you will be charged and agree to pay any collection fees required in connection 
with such a transaction. The date you mail a payment is different than the date we receive 
payment. For purposes of this Agreement, the payment date is the day we receive your 
check or money order at the address specified on your monthly Account statement.  If you 
mail your payment without a payment coupon or to an incorrect address, it may result in a 
delayed credit to your Account.  This may result in additional Finance Charges, fees, and 
possible suspension of your Account.
(c)  Minimum Monthly Payment:  Each month you must pay at least the Minimum 
Payment and any past due Minimum Payment by the Payment Due Date shown in your 
monthly Account statement.  Your Minimum Payment for Purchases and Cash Advances is 
3.0%, rounded up to the nearest dollar, of the total Purchase and Cash Advance balance 
(excluding late payment), or $25.00 whichever is greater.  In addition, your Minimum 
Payment will include all amounts delinquent, and amounts in excess of your Credit Limit.  If 
your outstanding Purchase and Cash Advance balance is less than $25.00 then the entire 
balance is due.  You also may pay the entire balance on your Account at any time or pay 
any amount between the Minimum Payment and your entire balance.  Any changes in your 

Minimum Payment due will be reflected on your monthly statement in the month in which 
the Minimum Payment due is affected.  However, in all cases, you may continue to pay any 
amount equal to or greater than the Minimum Payment due.  
(d)  Application of Payment:  We may allocate payments to amounts owed on your 
Account in the manner we deem appropriate, including but not limited to, applying payment 
to promotional balances, such as Balance Transfers, before applying them to Purchases and 
Advances.  
15.  Change of Address:  Your monthly Account statements and notices about your Account 
will be sent to the address you provided in your application or your response to our Account 
solicitation.  To change your address, you must call us at 1-800-445-5725 or write to us at 
the following address:  

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

We must receive this information 15 days before the date a billing cycle closes to provide 
your monthly Account statement at your new address. Note:  If you have an address change 
within 45 days of the expiration date of your Card(s), please contact the Hills Bank Contact 
Center at 1-800-445-5725 with that information so your new Card(s) can be mailed to your 
new address.
16.  Authorized Use:  You agree not to give your Card to anyone else or to authorize 
anyone to use the Account.  If you give your Card or Account number to someone and they 
use either, you will be liable for any charges that the person incurs.
17.  Lost or Stolen Card or Convenience Checks:  You must notify us immediately if your 
Card or Convenience Checks are lost or stolen or there is possible unauthorized use of your 
Card or Account.  You will not be liable in excess of $50.00 for any theft or loss for purchase 
charges that occur after notification to the Bank.  You must notify eServices by phone at 
1-800-445-5725, or 1-800-423-7503 or in writing to:

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

If this happens, we will ask you and all other persons given Account access to return all 
Cards and unused Convenience Checks to our eServices Department.  In addition, we 
have the right to close your Account and open a new Account.  If we do so, new Cards and 
Convenience Checks will be issued for your new Account.  
18.  U.S. Currency:  If you make a Purchase or Cash Advance in foreign currency the 
transaction will be converted into U.S. Dollars by Visa.  
For Visa Accounts: To the extent that you have used your Visa card to Purchase goods or 
services, or obtain cash in another country, your statement may reflect the conversion into 
U.S. dollars of transactions which occurred, initially, in a different currency.  The exchange 
rate applied to such transactions is a (i) wholesale market rate or (ii) government-mandated 
rate in effect one day prior to the processing date, increased by one percent.  We reserve 
the right to charge you an additional one percent (1.0%) of the U.S. dollar amount of any 
international transaction, whether that transaction was originally made in U.S. dollars or was 
made in another currency and converted to U.S. dollars by Visa or MasterCard.  In either 
case, the 1.0% will be calculated on the U.S. dollar amount provided to us by that entity.  The 
same process and charges may apply if any international transaction is reversed. 

YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT
19.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances, Balance 
Transfers, Finance Charges, Account Fees and charges, any other transaction charges as 
provided in this Agreement and, to the extent permitted under applicable law, attorneys fees, 
and collection costs we incur enforcing this Agreement against you.  This is the case even if 
the Account is only used by you, or someone to whom you’ve given access to the Account.  
20.  Liability for Charges:  You are individually liable and you and the individual or co-
obligor(s) who accepted the application for credit, if any, are jointly liable for all charges to 
the Account including, without limitation, all fees and Finance Charges. 
21.  Intent to Repay:  Every time you use the Account, you represent to us that you 
intend and have the reasonable ability to repay your Account obligations.  We rely on that 
representation every time you use the Account.  
22.  Settling a Disputed Balance:  Payment in Full — If you want to settle a disagreement 
with us about any amount you owe by sending a check on which you have written “Payment 
in Full” or similar language, you must send us a written explanation of the disagreement and 
dispute and send such check to:

eServices Department
Hills Bank and Trust Company 
131 Main Street
P.O. Box 160
Hills, Iowa 52235

(See “Your Billing Rights” section for complete details.)  Writing “Payment in Full” or similar 
language on the check will not be enough to resolve the dispute.  If we collect a check or any 

 
 
       
 
     
     
     
Hills Bank
and Trust Company

Visa® Platinum Credit Card Agreement
Rates and Fees Table

INTEREST RATES AND INTEREST CHARGES

Annual Percentage 
Rate (APR) for Purchases/ 
Balance Transfers 

APR for Cash Advances
How to Avoid Paying                 
Interest on Purchases

Minimum Interest Charge
For Credit Card Tips from 
the Federal Reserve Board

3.9% introductory APR for the first seven billing cycles.  After that your 
APR will be 5.25% to 12.25%, based on your credit worthiness.  
This APR will vary with the market based on the Prime Rate.
12.25% this APR will vary with the market based on the Prime Rate.
Your due date is at least 25 days after the close of each billing     
cycle. Hills Bank will not charge you any interest on purchases if 
you pay your entire balance by the due date each month.
If you are charged interest the charge will be no less than $0.50.
To learn more about factors to consider when applying for or using
a credit card, visit the website of the Federal Reserve Board at     
http://www.federalreserve.gov/creditcard.

Annual Fee
Transaction Fees
• Cash Advance

• Foreign Transaction

FEES

No annual fee.

• Either $5.00 or 3.00% of the amount of each cash advance,   
  whichever is greater, with a maximum fee of $15.00.
• 1.0% when a currency conversion occurs. 0.8% when a              
  currency conversion is not performed.

Penalty Fees
• Late Payment
• Returned Payment
• Returned Convenience Check

• up to $27.00
• up to $27.00
• up to $35.00

How we will calculate your balance: 
•  We use a method called “average daily balance (including new purchases)”

Prime Rate: 
•  Variable APRs are based on the 3.25% Prime Rate as of May 31, 2011.
•  For the introductory rate, we add 0.65% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly 

periodic rate currently 0.32500%).

•  We add 2.0% to 9.0% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate 

currently 0.43750% to 1.02083%).

•  We add 9.0% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.02083%).

Billing Rights: 
• 

Information on your rights to dispute transactions and how to exercise those rights is provided in the attached                                
account agreement. 

eServices Department • 131 Main St • PO Box 160 • Hills, IA 52235 • 1-800-445-5725 
Cedar Rapids Downtown • Cedar Rapids Northeast • Cedar Rapids Southwest • Coralville • Hills • Iowa City Downtown • Iowa City Eastside 
Iowa City South Gilbert • Kalona • Lisbon • Marion • Mount Vernon • North Liberty • Wellman • Member FDIC • hillsbank.com

Rev. 6/11