NO POSTAGE NECESSARY iF MAILED IN THE UNITED STATES       i                uilding a successful financial plan When you use the... takes the right resources. That's a Pj B k = why we work hard to provide = Finnac e ani = you with quality financial services and Visa® Credit Card for the = products. Like our convenient, flexible a renase of goods pa services, = etfolowing Denents are = ep . : . en + Visa® Classic Credit Card. It is accepted yours at no additional charge! = at thousands of locations worldwide for = . TRAVEL ADVANTAGE BENEFITS: ss = just about any type of purchase you can -Bonus Travel Dividends ai = dream up. And, unlike those big out-of- Pee rata insurance = 3 = town institutions, our card comes with the «Auto Rental Discount > ES . . ; «Medical Assistance Services “T8| w = personal, friendly service you've come to «Lost or Damaged Luggage Insurance : a = ' | iT oar g expect from us, So, whatever your plans, Hatel-Motel Theft Insurance Ela > . . ENROLLMENT REQUIRED: 5 : Ore : ¢ choase the credit card that gives yau all -Payment Card Registration 2 2 Sq 8 the value and buying power you need to “hey Nesta tor Ser a eeu ; + Lost Luggage Locator Service Wg Fs a > z get your projects off the drawing board. Not FDIC-Insured. Not Insured by any Federal = B 2 ust Fal Government Agency. Not a deposit. Not IE 2 5 3 Guaranteed by the Bank. May go down in value. 4 2a me B 204 Apply for yours today! aml a oon with vou wherever you go TRAVEL ACCIDENT INSURANCE y you go. ce . , You, your spouse and dependent children up to age 19 This Visa® Card may not be used for any illegal transaction. fage 25 ifa full-time student at any institute of higher learning) are automatically covered with common carrier NO ANNUAL F EE A fee may be imposed by an ATM operator not holding the travel accident insurance every time you travel by ait, bus, Visa ® Classic ; ; ; train, ship, taxi, or any other common cartier anywhere consumer's account, or by any national, regional of local in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST. Not FOIC-Insured. Not Insured by any Federal Government Agency. Nota deposit. Not Guaranteed by the Bank. network used to complete the transaction.   @ Pinnacle Bank  Interest Rates and Interest Charges     Annual Percentage Rate (APR) for Purchases     0, 15.96% a a APR may vary with ihe market based on the Prime Rate.   APR for Balance Transfers NIA   APR for Cash Advances 15.96% APR may vary with the market based on the Prime Rate.   Penalty APR and When it Applies NIA   Paying Interest Your due dale is at least 25 days after the clase of each billing cycle. We will nel charge you interest on purchases ff you pay your enlire balence by the due date each month. We will begin charging interest on cash advances on the transaction date. We de not offer balance transfers.   Minimum Interest Charge None   For Credit Card Tips from the Consumer Financial Protection Bureau Annual Fee To learn more about factors to consider when applying for or using a credit card, visit tha web sile of the Consumer Financia! Proteclian Bureau at hitp:#iwww.consumerfinance.govilearnmore. None   Transaction Fees + Balance Transfer « Cash Advances * Foreign Transaclion None None 1.0% of each mulli-currency transaction in U.S. Dollars 0.90% of each single currency transaction in U.S. Collars.   Penalty Fees   + Telephone payment fee   * Late Payment Up to $20.00 * Over the Credit Limil None * Returned Payment None Other Fees " LostiDamaged Fee $20.00   $10.00 per occurrence if procassed wilh a live representative. No charge if processed through [he aulomated system. :     How We Will Calculate Your Balance: We use 2 method catied “average daily balance {including new purchases).” An explanation of this malhod is provided in your credil catd agreement. on your Billing Rights: Others:   y Pe and how to exercise thase rights is provided in your credit card agreement, ¢ @ APR may increase with the markel based on Ihe prime rata. The annual percent je rate may vary Apnil 1 or October 1 of each is the rale published én the Wall Street Journal on the isl day of the prior month. Vana vale determine ar, The prima rale used lo daletmine yourAPR =: Iyratding 180% tehe Prmme Rela. bad CREDIT APPLICATION Credit Limit Requested $   Check Account Choice: {Signature required for joint applicant) 2 Individual Account O Joint Accoun see oo-applicanl and signatutes section) $a CG Creail Line lncrease   IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the goverment fight the funding of terrorism and money laundering selivitios, Federal laws require all financial insttulons lo odlaln, varity and record information thal denbfies each parson who opens an Account opel information thal will glow us to Menlify you. We may also. ask lo she your drivers. Tieense or other Jdanlitying documents. ‘What this means fo pou: When you open anAgcounL, we will ask [or your name, addrass, dale o! birth, and other                                                                                 Last Name First | Middle Sockal Security Number Date of Birth No, of Cependents pane Phone | Cail Phone Gan = Renl = Other Monthly PaymentS {3 5906UulUCU Cunent Address. Gy State Zip Code How Long (yrs} 4 Hisiing Address fl dilerenl rom above) Cty State Zp Code How Leng is) Eee | Previous Addrens (if tass nan 2 years al present address) City Biate ip Code How Long (yrs) BY = i Emptoyer SutEmpieyed Werk Phane Date Empayed Es 4 Oves No (3 ae 4 Address Pasiten'Oceupation Monthly Gross Income $ : Nama and Address ol Previous Employer (if lass Wnan 2 years at presenl employe!) How Long (yrs) Source of Additional Inesene: Income frome alimony, child 4upperl or separate Amount per Manlh $ F need nat b ied it itis nol considared i nw ji Nearest Relative (Not Living With You} om Phone Relatonship ) Lasl Name First Middle Social Sacurity Number Date of Birth No. of Dependents Home Phone Cell Phone Own Ren Other Monthly Payment § part C4 C } a ah Currant Addiess: City State Zip Code How Long (yrs) 4 <i ane Prewous Addass (if tess than 2 years at present address) City Slate Zip Code Hewr Long (yrs) =z ett Employer Salt Empleyed Work Phone Gale Employed Ove: ON ( ) AggEss PostionOccupaton Monthly Gross Income $ lw] Name and Address of Creditor Name under Vituch Account is Carried Account Number Balance Monthly Payment i] : 4. Home Morigage/Renl = tag 2 Bank Credit Card/Bank Name and Address 3 PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This stalament is submitted to obtain credit and Ave certify lat at information herai is ue and complete. We agree thal inquiries may ba made to verity infomation end thal credil references of vadiicaion may be gwan based on inquires Irom othot parties, This offar is subject to the credit policies of Lhis institution. Wve = ares to be bound by Use leis and conditions of tne cardholder agreement, a copy of which will ba mailed to ihe applicant if tris application is granted, receipl of such agreement and aeceplance al such terms to be conclusively presumed by the applicant's use. Ifyou Inlend to apply for [aint credit, the undersigned shat be jointly and saveralty litle For any and all credil extended from bme to 3 limo. We may report information aboul your accounl lo the credit buraaus. Late payments, messed payments, oc ‘othar defaulls on your account may be reflected in your credit repor., Oo ix x oo Appieant Signature Pate Co-Applicant Sagnature Bate 2g Vida Account Ne. PONE ca Bea 2 4 Bate Approved Ciediitine Approved By   Pinnacle Burk, Pupiliion, NE 68046 FOLD AND SECURE WITH TAPE FOR MAILING Appicutign D2009 FIS* P22 All coutents are accurate at the fime of printing, for changes tat may hove been made affer printing please call (800) 369.7283.  YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and respensibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT I you think there is an error on your statement, write to us at the address shown on your monthly Billing statement. In your fetter, give us the follawing information: . ion: Your name and account number. * Dollar Amount: The dollar amount of the suspected error. * Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: * Within 60 days after the error appeared on your statement. * At least 3 business days before an avtamated payment is scheduled, if you want to stop Payment on the amount you think is wrong. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required to investigate any potential errers and you may have to pay the amount in question, WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do twe things: 1. Within 30 days after recaiing your letter, we must tall you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, wa must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an enor: = We eannot try to collect the amount in question, or report you as delinquent on that amount. * The charge in question may remain on your statement, and wa may continue to charge you interest on that amount. * While you co not have te pay the amount in question, you are responsible for the temainder of your balance. = We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: © Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount, © Hwe do not believe there was a mistake: You vill hava to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe, If you receive our explanation but still believe your bill is wrong, you must write to vs within 10 days telling vs that you still refuse to pay. Ifyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the nama of anyone te whom we reported you as delinquent, and we must let those organizations know when the matter has bean settied between us. If we do not follow all of the rules above, you do nat have to pay the first $50 of the amount in question, even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase, To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50, [Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fuily paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing ler electronically) at the address shown on yaur monthly billing statement. While we investigate, the same rules apply to the disputed amour 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.       REV 01/13 01.13_CREDITCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement. You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” “Us,” and “Our” mean Pinnacle Bank/ Bank of Colorado, “You" and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card” means each credit card we issue to you for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount of the transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars. You promise to de everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a sales draft, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsibie for repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payabie, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.C. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite te your obligation to pay amounts incurred on your Account. lf a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission. D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you te owe us at any time. You may not exceed any credit limit that we set for your Account. If you da use the Account for more than your Credit Limit, we can still charge you for all purchases, interest Charges and other charges without giving up any of our rights under this Agreement, We may change your Credit Limit at any time. E. PAYMENTS You may pay all cf your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual! Percentage Rate (APR) is shown on the Credit Card Application. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime rate published in The Wall Street Journal on the first day of the prior month ("Prime Rate”). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H, BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the numbers of days in the billing cycle. 1], GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without losing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered ta be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty if you do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S) You are responsible for promptly notifying us of a change in your name, address (including any e-mail address at which you agree to be contacted}, or telephone number(s) including any wireless telephone number(s). ,