(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 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 from 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 if 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 RESPONSIBILITIES 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.

Hills Bank and Trust Company 
eServices Department
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 
Rewards
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 Rewards (“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 (the “Card”) we issue with this 
Account.  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 Checks” section below 
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 your 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  Interest Rate:  The APRs 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 eleven percentage points (11.0%) to the Prime Rate in 
respect to 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.

CASH RECEIVED 
FROM:  
FINANCIAL INSTITUTION 
OR ATM 

PERCENTAGE 
OF CASH FEE: 
3.0% 

MINIMUM
MAXIMUM:
$ 5.00
$15.00

(b)  Annual Fee:  $15.00 
(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 the maximum amount 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.  Notify the eServices 
Department 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 that 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

 
       
 
     
     
     
Hills Bank
and Trust Company

Visa® Platinum Rewards 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

10.25% to 14.25% when you open your account based on your 
credit worthiness. This APR will vary with the market based on the 
Prime Rate.
14.25% 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

$15.00 charged on the anniversary date of the card.

• 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.
•  We add 7.00% to 11.00% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate 

currently 0.85417% to 1.18750%).

•  We add 11.00% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.18750%).

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