Current Credit Card Agreements for New Personal Accounts 
            
                 NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us 
                 at (800) 996-2638 or send us a secured message through Online Banking with the 
                 subject line �Credit Card Inquiry�. 
            
                 For new personal accounts opened beginning 01/15/2018, the following Account 
                 Opening Disclosures and Credit Card Agreements apply by the credit card type 
                 received: 
            
            
                               �
                 Platinum Mastercard  Credit Card 
                 Interest Rates, Interest Charges, and Fees � Platinum Card 
                 Credit Card Agreement (Personal Accounts) 
            
            
                                      �
                 Platinum Rewards Mastercard   Credit Card 
                 Interest Rates, Interest Charges, and Fees � Platinum Rewards Card 
                 Credit Card Agreement (Personal Accounts) 
            
            
                                     �
                 Cash Back World Mastercard   Credit Card 
                 Interest Rates, Interest Charges, and Fees � Cash Back World Card 
                 Credit Card Agreement (Personal Accounts) 
            
                              � 
                 World Mastercard Credit Card 
                                                           � 
                 Interest Rates, Interest Charges, and Fees �World Mastercard Credit 
                                                 � 
                 Card Credit Card Agreement (World Mastercard Credit Card) 
            
            
                                                  � 
                 Wealth Management World Elite� Mastercard Credit Card 
                 Interest Rates, Interest Charges, and Fees � Wealth Management World Elite� 
                         � 
                 Mastercard Credit Card 
                                                                � 
                 Credit Card Agreement (Wealth Management World Elite� Mastercard Credit Card) 
            
            
                               �
                 Secured Mastercard  Credit Card 
                 Interest Rates, Interest Charges, and Fees � Secured Card 
                 Secured Credit Card Agreement (Personal Accounts) 
                      Interest Rates, Interest Charges, and Fees � Platinum Card 
     
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                           After that, your APR will be 15.99% to 23.99%, based on your 
                           creditworthiness. 
                          
                           This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  15.99% to 23.99%, based on your creditworthiness. 
                          
                           This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.99% 
                          
                           This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies              
                            
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
     Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees     
                          
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                          
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                          
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees         
      
        �  Late Payment   Up to $38 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
     
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
      Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit 
      Card Agreement.  
     
      Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within the 
      next six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within 
      the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
      Minimum Payment Due. 
          
      Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within 
      the next six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation 
      within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal 
      to the Minimum Payment Due. 
          
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
     the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
     with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
     fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
     charged (other than certain participation fees for a credit card account). 
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
     members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 
     1-800-659-5495). 
     Doing business in South Dakota as Bank of the West California. 
                                                  CREDIT CARD AGREEMENT  
                                                                                            (Personal Accounts) 
                                             
                                        ?
     By requesting or accepting any Platinum MasterCard ,  necessary to verify Payments received on your Credit Card 
             ?                    ?
    Platinum Visa , Platinum Rewards MasterCard , Platinum  account.  If we accept a payment from you in excess of your 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  outstanding balance, your available Credit Limit will not be 
    (individually or collectively called �Credit Card account� or  increased by the amount of the overpayment nor will we be 
    �Account�) with Bank of the West, you agree to be bound by  required to authorize transactions for an amount in excess 
    all the terms of this Agreement. In this Agreement, the  of your Credit Limit. 
    words �you� or �your� mean everyone who has requested or  3. Temporary Reduction of Credit Limit.  Merchants, 
    accepted a Credit Card account with us. The words �we,�  such as car rental companies and hotels, may request prior 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  credit approval from us for an estimated amount of your 
     accept this Agreement, you must notify us in writing within 5  Purchases, even if you ultimately do not pay by credit. If our 
     days after receipt.  Use of your card or any feature  approval is granted, your available Credit Limit will 
     (including a balance transfer) of your  Credit  Card  temporarily be reduced by the amount authorized by us.  If 
     Agreement shall constitute acceptance of this Agreement.   you do not ultimately use your Credit Card account to pay 
      1. Use.  Your Platinum MasterCard, Platinum Visa,  for your Purchases or if the actual amount of Purchases 
     Platinum Rewards MasterCard,  Platinum Rewards Visa  posted to your Credit Card account varies from the 
     card or Cash Back  World  MasterCard (individually or  estimated amount approved by us, it is the responsibility of 
     collectively called �Card�) may be used as a credit card for  the merchant, not us, to cancel the prior credit approval 
     purchases of goods or services from participating  based on the estimated amount. The failure of the merchant 
     merchants (�Purchases�) or to get Cash Advances from us  to cancel a prior credit approval may result in a temporary 
     or any other financial institution displaying the �MasterCard�  reduction of your available Credit Limit, but will not increase 
     or �Visa� logo, or to purchase certain items such as  the amount you owe us under this Agreement. 
     traveler's cheques, foreign currency, money orders, wire  4. Agreement to Pay. When you use your Card or Credit 
     transfers, lottery tickets, and (except as noted below) funds  Card account, or when you permit anyone to use it, you 
     to be used for wagers or gambling (all of which are  agree to pay the amount of any and all transactions 
     collectively referred to as �Cash Advances�) up to your  (including any which may have been made in violation of 
     Credit Limit; provided, however, you may not use your Card  this Agreement), and the INTEREST CHARGES, and fees 
     (i) to make Purchases or obtain Cash Advances for any  that may become due as shown on the periodic statement. 
     illegal transaction, or (ii) for any internet or online gambling  You agree that we may change or cancel your Credit Card 
     transactions.  Transactions for online or internet gambling  Account at any time without affecting your obligation to pay 
     will not be approved.  If you use your Card for any illegal or  the amounts that you owe under this Agreement.  
     prohibited transaction, this Agreement also applies to such  5. Periodic Statement. Each month we will send you a 
     transaction and you agree to pay any and all amounts  periodic statement for each Credit Card account you have 
     related to such transaction pursuant to the terms of this  with us covering the previous billing period. We may not 
     Agreement. We may, in our sole discretion, restrict the use  send you a statement if your balance is less than $1 and 
     of or terminate your Card if we notice excessive use of your  there were no transactions during the billing period. The 
     Card or other suspicious activities or if we reasonably  statement will have a �Statement Period Date�, �Statement 
     believe the Card is or has been used for one or more illegal  Closing Date� and a �Payment Due Date,� and will show, 
     or prohibited transactions. You can also obtain a Cash  among other things, your �Previous Balance,� your �New 
     Advance by writing a special MasterCard or Visa check  Balance,� and your minimum monthly payment, which will 
     (�Convenience Check�).  The Cash Advance will be posted  be shown as �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a 
     Advances. In addition, you may request that we pay other  manner we determine except as otherwise required by law.  
     creditors on your behalf and transfer approved amounts to  The Minimum Payment is applied first to fees, then to 
     your Account (�Balance Transfers�).     INTEREST CHARGES and finally to principal. We apply the 
      Your Card may also be used in certain automated  Minimum Payment to balances with lower APRs, including 
     terminals to gain access to your Credit Card accounts. We  introductory APRs, before balances with higher APRs. 
     have no responsibility for the failure of any machine,  Payments made in excess of the Minimum Payment will be 
     merchant, financial institution, or any other party to honor  applied first to balances with the highest  ANNUAL 
     your Card. Your Card and Credit Card account may be used  PERCENTAGE RATE and then to each successive balance 
     only for valid and lawful purposes. If you use or  allow  bearing the next highest ANNUAL PERCENTAGE RATE.  
    someone else to use the Card or Credit Card account for    Payments must be mailed to the BankCard Center 
    any other purpose, you will be responsible for such use and  address specified in your periodic statement. Payments 
    may be required to reimburse us for all amounts or  must reach our BankCard Center during our regular 
    expenses we pay as a result of such use.  business day in order to be credited on that date.  
     2. Credit Limit.  We will notify you of the Credit Limit for  Payments received after the cutoff times of 5:00 p.m. PT 
    each Credit Card account you have with us. You agree that  are credited as of the following business day. If you make a 
    your total charges, including Purchases, Cash Advances,  payment by any means other than mail to our BankCard 
    Balance Transfers, INTEREST CHARGES, and fees that  Center crediting of the payment may be delayed.  If you fail 
    may be due will not exceed your Credit Limit. If you do go  to properly make payments, crediting such payments may 
    over your Credit Limit, you must repay the excess amount  be delayed. Your total available credit may not be restored 
    immediately, and we may reduce the available Credit Limit  for up to 15 days after we receive your payment.    
    of any other Credit Card account you have with us until    If a payment is returned to us for any reason, we may 
    such time the excess amount is repaid. You may apply to  apply a Returned Payment Fee of $27 for the first violation 
    increase your Credit Limit at any time but we are not  and $38 for each subsequent violation within the next six 
    obligated to increase your Credit Limit at any time.  billing cycles. The Returned Payment  Fee for Iowa 
    Furthermore, we reserve the right to lower your Credit Limit  residents is $27 for the first violation and $30 for each 
    at any time. For security reasons, we may limit the number  subsequent violation within the next six billing cycles.  If the 
    or amount of transactions that may be accomplished with  Returned Payment  Fee is greater than the Minimum 
    your Card or Credit Card account, and we have the right to  Payment Due, the fee will be equal to the Minimum 
    limit authorizations to make transactions if we consider it  Payment Due.  
    BW-CCAG (Rev. 12/2017) 
     
      
        From time to time, we may let you skip or reduce one or  corresponding ANNUAL PERCENTAGE RATE may change 
     more monthly payments during a year and/or we may  each month on the first day of each of your billing cycles. 
     temporarily reduce or eliminate certain  INTEREST  Each date on which the rate of interest could change is 
     CHARGES on all or a portion of your Credit Card account  called a �Change Date.� Changes will be based on changes 
     balance or offer you other special terms. If we do, we will  in the �Index.� The Index is the Prime Rate published in the 
     advise you of the scope and duration of the applicable skip  �Money Rates� table of The Wall Street Journal on the 
     or promotional feature. When the skip or promotional  business day immediately preceding the day your billing 
     feature ends, your regular rates and all the terms of the  cycle ends. If the Index is no longer available, we will 
     Agreement will resume.                  choose a new index which is based upon comparable 
      7. Minimum Payment- Late Payment Fee. At least the  information and will give you notice of our choice.   The 
     amount of the �Minimum Payment Due� must be received  ANNUAL PERCENTAGE RATE may increase or decrease 
     by us by the �Payment Due Date.� If it is not, we may apply  each month if the Index changes. Any new rate will be 
     a Late Payment fee of $27 for the first violation and $38 for  applied as of the first day of your billing cycle during which 
     each subsequent violation within the next six billing cycles.   the  Index has changed. If the ANNUAL PERCENTAGE 
    The Late Payment fee for Iowa residents is $27 for the first  RATE increases, you will pay a higher INTEREST 
    violation and $30 for each subsequent violation within the  CHARGE, which may result in a higher minimum payment.  
    next six billing cycles.  If the Late Payment fee is greater    The interest rate for Purchases (after the Introductory 
    than the Minimum Payment Due, the fee will be equal to the  Period) and Balance Transfers on your Platinum Rewards 
    Minimum Payment Due.  If such charge would result in an  Credit Card account is based on a variable rate equal to the 
     INTEREST CHARGE greater than the maximum allowed by  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
     law, we will only charge the maximum allowable rate. Your  percentage points, based on your creditworthiness.  The 
     Minimum Payment Due will be 3% of the New Balance plus  interest rate for Purchases (after the Introductory Period) 
    any Late Payment fee (with a minimum of the lesser of $25  and Balance Transfers on your Platinum Credit Card 
    or your New Balance) and any amount over your credit limit  account is based on a variable rate equal to the sum of the 
    and past due amount.                     Index plus a �Rate Spread� of 11.74 to 19.74 percentage 
     8. How to Avoid Paying Interest on Purchases. There  points, based on your creditworthiness. The interest rate for 
                                             Purchases (after the Introductory Period) and Balance 
    may be different treatment of  INTEREST CHARGES for 
                                             Transfers on your Cash Back World Credit Card account is 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             based on a variable rate equal to the sum of the Index plus 
    though they are computed the same way. You may avoid 
                                             a �Rate Spread� of 12.74 to 19.74 percentage points, based 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             on your creditworthiness.  The interest rate for Cash 
    the entire New Balance by the Payment Due Date. If we do 
                                            Advances on your Account is based on a variable rate equal 
    not receive the entire New Balance by the Payment Due 
                                            to the sum of the Index plus a �Rate Spread� of 21.74 
    Date, the INTEREST CHARGE will be charged on the 
                                            percentage points. Immediately before each Change Date 
    Purchases from the date of the transaction.  INTEREST 
                                            we will determine the new interest rate by adding the Rate 
    CHARGES on all other balances, including Cash Advances 
                                            Spread to the Index. The new interest rate will become 
    and Balance Transfers, begin on the transaction date and 
                                            effective at the start of your first billing cycle after the 
    will be assessed even if your entire New Balance is paid by 
                                            Change Date. Only one ANNUAL PERCENTAGE RATE 
    the Payment Due Date. 
      9. Computing Your INTEREST CHARGE. We figure the  and Daily Periodic Rate will be in effect for each Balance 
                                            Category during the billing period. The  ANNUAL 
    INTEREST CHARGE on each Credit Card account by 
                                            PERCENTAGE RATE will not exceed the maximum rate 
    applying the periodic rate to the �Average Daily Balance� of 
                                            permitted by law. The effect of any increase in the ANNUAL 
    each Balance Category on the Credit Card account, 
                                            PERCENTAGE RATE and the Daily Periodic Rate would be 
    including current transactions. Balance Categories include 
                                             to increase the amount of INTEREST CHARGE or interest 
    Purchases, Balance Transfers, Cash Advances, 
                                             you must pay and thus increase your monthly payments. 
    Introductory Rates and any special rate offers we may make 
                                              10. Transaction Fees. You also agree to pay us the 
    available from time to time.  If you are charged interest, the 
                                            appropriate fees listed below (as permitted by applicable 
     charge will be no less than $1.00 (the minimum interest 
                                            law) which may be amended from time to time by us. You 
    charge will appear as �Minimum Charge� in the fees section 
                                            authorize us to charge your Credit Card account for the 
    of your statement).  
                                            following fees due to us. Cash Advance fee: 4.00% of each 
       a. Average Daily Balance.  To obtain the daily 
                                            Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
    balance for each Balance Category we take the beginning 
                                            of each balance transferred, $10 minimum. 
    balance each day and add new transactions applicable to 
                                              11.   Foreign  Transaction  Fee. Transactions that you 
    each category, and subtract any payments, credits, and 
                                            make in a foreign currency or that you make outside of the 
    refunds applied to the category.  To figure your Average 
                                            United States of America even if it is made in U.S. dollars 
    Daily Balance for each Balance Category, we add all your 
                                            are considered foreign transactions.  If you make  a 
    daily balances and divide by the number of days in the 
                                            transaction in a foreign currency it will be billed to you in 
    billing period. 
                                            U.S. Dollars. The conversion rate to U.S. Dollars will be 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            determined by Visa International or MasterCard 
    INTEREST CHARGE for each Balance Category by 
                                            International in accordance with their operating regulations 
    multiplying these Average Daily Balances by the applicable 
                                            or conversion procedures in effect at the time the 
    Daily Periodic Rate, and then we multiply the result by the 
                                            transaction is processed. Currently, their regulations and 
    number of days in the billing period. To determine the Daily 
                                            procedures provide that the currency conversion rate they 
    Periodic Rate for each Balance Category, we divide the 
                                            use is either (1) a government-mandated rate or (2) a 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            wholesale market rate, whichever is applicable, in effect one 
    billing period by 365 (366 for leap year). The way we get the 
                                            day prior to the processing date. We do not determine the 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            currency conversion rate which is used.  You agree to pay 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            the converted amount in U.S. funds. In addition, Visa or 
       c. Fixed Rate. For the Introductory Period your interest 
                                            MasterCard will charge us (the Bank) an international 
    rate for Purchases on your Account is equal to 0.00% APR; 
                                            transaction fee, currently equal to one percent (1.00%) of 
    thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                            the transaction amount. We will charge you the international 
    Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            transaction fee imposed on us plus an additional  two 
     RATES for Balance Transfers or Cash Advances may vary. 
                                            percent (2.00%) of the transaction amount whether that 
     Please refer to your Account Opening Disclosures  for 
                                            transaction was originally made in U.S. dollars or was made 
     specific introductory period and ANNUAL PERCENTAGE 
                                            in another currency and converted to U.S. dollars.  These 
     RATES associated with your account. 
                                            two fees will be aggregated and shown as one  Foreign 
      d. Variable Rate. The current ANNUAL PERCENTAGE 
                                            Transaction Fee on your statement. 
     RATE for all variable rates  is  shown on the  Account 
                                              12. Other Fees. As allowed by law, we may charge, and 
     Opening Disclosure which has been provided to you with 
                                            you agree to pay, fees for certain services or requests made 
     this Agreement. The Daily Periodic Rate and the 
    BW-CCAG (Rev. 12/2017) 
     
      
    by you, such as but not limited to: Automated Teller     (c) You may use your Card at a POS terminal to 
    Machine (�ATM�) transactions conducted at machines not  purchase certain merchandise. The amount of your 
    operated by us, requests for copies of billing statements,  purchase will automatically be charged to your Credit Card 
     sales drafts, or other records of your Account, or if you  account as a Purchase. 
     request a replacement card(s).  However, we will not charge  c. Limits of Automated Terminal Services  -  Cash 
     fees for copies of documents requested for a billing dispute.   Advances. You may get a Cash Advance from a Bank of 
     These fees may change from time to time.  We will inform  the West Automated Terminal up to an aggregate amount of 
     you of the fee(s) that you will incur prior to when the  $500 each calendar day, provided that this amount does not 
     applicable service(s) is(are) provided or when you make the  exceed your Credit Limit. This amount may be less for Cash 
     request(s), as applicable. You authorize us to charge your  Advances from Network ATMs. 
     Credit Card account for any such fees that you incurs. We  d. Card and Secret Code (PIN) Use. You are 
     reserve the right to waive a fee from time to time but a  responsible for all transactions in which you use your Card 
     waiver does not mean we will continue to waive such fee in  in an automated terminal, or the use of the Card by anyone 
     the future.                            else who uses it with your permission. Security in use of the 
      13. Interest Charges for Covered Members of the  Card is provided by the secret code, which we will provide 
     Armed Forces and Their Dependents: Federal law  you, and the magnetically encoded stripe on the Card. 
     provides important protections to members of the Armed  Please keep the Card safe and also protect the secret code. 
     Forces and their dependents relating to extensions of  Use the Card and the secret code as instructed at all times. 
     consumer credit. In general, the cost of consumer credit to a  Please notify us of any mechanical or operating failure in 
    member of the Armed Forces and his or her dependent may  connection with the use of your Card. Do not permit anyone 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  else to use your Card and do not disclose your secret code 
    rate must include, as applicable to the credit transaction or  or record it on the Card. The Card remains the property of 
    account: the costs associated with credit insurance  the Bank and can be revoked and repossessed at any time. 
    premiums; fees for ancillary products sold in connection  You must return it to us when asked. 
    with the credit transaction; any application fee charged  e. Fees for Using Automated Terminal Services. 
    (other than certain application fees for specified credit  Fees may be charged for transactions made at automated 
    transactions or accounts); and any participation fee charged  teller machines not operated by us as described in 
    (other than certain participation fees for a credit card  paragraph 12-Other Fees. 
    account).                                16. Lost or Stolen Card; Your Liability for 
       If you are a covered member of the armed forces or a  Unauthorized Use. Tell us AT ONCE if you believe your 
    dependent, you will not be charged annual fees, transaction  Card has been lost or stolen. Telephoning is the best way of 
    fees, or penalty fees so that your cost may not exceed the  keeping your possible losses down. 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.   You may be liable for the unauthorized use of your Card 
    Armed Forces members and their dependents can hear  as a credit card. You will not be liable for unauthorized use 
    about the protections provided to them by calling 1-866- of your Card as a credit card which occurs after you notify 
    761-2689 (TTY users call 1-800-659-5495).  us at the telephone number or address stated in paragraph 
       14.  Default. We may declare the entire balance for all  17, orally or in writing, of loss, theft, or possible 
    Credit Card accounts due and payable at once with or  unauthorized use. In any case, your liability for unauthorized 
    without notice or demand if any of these events (a �Default�)  use of your Card as a credit card will not exceed $50.00. 
    happens:                                 17.  Where to Call or Write. If you believe your Card has 
       a. If you miss a payment under this Agreement or any  been lost or stolen or that someone is using your Card or 
    other obligation you owe us; or         Credit Card account without your permission, call: 
       b. If you violate any terms of this Agreement.  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
       If you are in Default, we may terminate your Credit Card  Bank of the West, BankCard Security Department, PO Box 
    account, make no more additional loans, and require you to  2078, Omaha, NE 68103-2078. 
    immediately repay the entire unpaid balance of all amounts  18.  Our Business Days. Our business days are 
    due on your Credit Card account, including but not limited to  Monday through Friday, except for bank holidays. 
    all loan amounts, late charges and other charges assessed  19.  Credit Investigation and Disclosure. You authorize 
    but not paid, and all of the INTEREST CHARGES accrued  us, both now and in the future, to check your credit and 
    but not paid. If we terminate your Credit Card account, your  employment history and to release information about our 
    obligation to repay the amounts you already owe us would  credit experience with you in response to legitimate credit 
    continue.                               inquiries. If you believe that we have incorrect information 
       At our option, we may also take action short of  or have reported inaccurate information about you to a 
    terminating your Credit Card account. If we take such lesser  credit bureau, please call us at  1-800-996-2638  (for 
    action initially, we reserve the right to terminate your Credit  TTY  call 1-800-659-5495).  As required by law, you are 
    Card account and accelerate all amounts due under this  hereby notified that a negative credit report reflecting on 
    Agreement regardless of whether any additional events  your credit history may be submitted to a credit reporting 
    have occurred which would permit termination and  agency if you fail to fulfill the terms of your credit 
    acceleration.                            obligations. 
      15.  Automated Terminal Services        20. Security Interest. We have no security for any 
       a. Automated Terminals. You may use your Card in  amounts which become due under this Agreement, even 
    the following automated terminals:      though any other agreement you may have with us, such as 
         (1) Any Bank of the West automated teller machines.  a mortgage, may provide for such a security interest, unless 
         (2) Any other automated teller machine that is  you have given us a specific security interest in connection 
    participating in a network and accepts our Card (�Network  with this Agreement, which is described on the Supplement 
    ATM�) and                               attached to this Agreement. 
          (3) Any point-of-sale terminal that accepts our Card  21.  Collection. You promise to pay all collection costs, 
    (�POS terminal�).                       including, without limitation, mailgram charges, reasonable 
       b. Services Available at an Automated Terminal  lawyers� fees and court costs, as permitted by law. 
         (1) You may use your Card at a Bank of the West or  22.  If There are More Than One of You. Each of you 
    any Network ATM to:                     individually, or all of you together, will be liable under this 
          (a) Get a Cash Advance from your Credit Card  Agreement. We may collect from or sue any one of you, or 
    account.                                make any settlements or extensions with any one of you, 
          (b) Get your Credit Card account balances. These  without giving up our rights against the other. You 
    balances may not include some transactions recently made  understand that any one of you can make Purchases, get 
    in your Credit Card account. Some of the services  Cash Advances, or perform Balance Transfers under this 
    described in subparagraphs (a) and (b) may not be  Agreement which will be binding upon all of you. 
    available at all Network ATMs.           23.  No Waiver of Rights. If we choose to waive any of 
                                            the terms or conditions of this Agreement on a case-by-
    BW-CCAG (Rev. 12/2017) 
     
      
    case basis, such as by not declaring the entire balance due  already owe under this Agreement.  In either case, the 
    when the minimum monthly payment has not been made on  account will be closed and you will no longer have access to 
    time, it does not mean that we have waived, or given up,  the account. 
    our right to exercise any of our rights or remedies under this  26.  Governing Law. This Agreement will be governed by 
     Agreement in the future. We are not required to use any  the laws of the State of Nebraska, and, as applicable, 
     particular kind of demand or notice in order to collect  federal law, regardless of where the transactions are made. 
     amounts due to us under this Agreement. No indulgence or  27. Monitoring/Recording Telephone Calls.  Our 
     acceptance by us of delinquent or partial payments  supervisory personnel may listen to and record your 
     constitute a waiver of our rights or of any provision of this  telephone calls to us for the purpose of monitoring and 
     Agreement. No waiver of any existing default shall be  improving the quality of service you receive. 
     deemed to waive any subsequent default.  28.  Severability.  All other provisions of this Agreement 
      24. Changing Terms. We can change, add to, delete or  shall remain in full force even if one or more provisions of 
    otherwise modify the terms of this Agreement at any time in  this Agreement are held invalid, illegal, void or 
    any way permitted by law.  We will send you a notice of  unenforceable by any rule or law, administrative order or 
    change at least 45 days (or as required by applicable law)  judicial decision. 
    before the effective date of the change. We do not have to  29.  Our Communications with You 
    send you an advance notice of the change if it favors you,  You agree that we, any of our affiliates, agents, 
    such as by reducing rates, or increasing the maximum  independent contractors or service providers may monitor 
    credit limit.  Except in cases where we are changing terms  and record telephone calls regarding your banking services 
    due to the Minimum Payment Due not being received within  to assure the quality of our service or for other reasons. You 
    60 days of the Payment Due Date, you agree that the  expressly consent that we, any of our affiliates, agents, 
    change may cover all transactions made 15 days after we  independent contractors or service providers may use 
    mail the notice.  If you do not agree to the change, a  written, electronic, or verbal means, or  any other medium, 
    method for rejecting the change and closing the account will  as permitted by law and including, but not limited to, mail 
    be provided in the Change of Terms Notice.   You agree  and facsimile, to contact you. Your consent includes, but is 
    that if you use your card after the effective date of the  not limited to, contact by manual calling methods, 
    change, this will constitute your agreement with the change.   prerecorded or artificial voice messages, text messages, e-
     25. Canceling this Agreement. We have the right to  mails and/or automatic telephone dialing systems. You 
    cancel this Agreement at any time by sending a notice to  agree that we, any of our affiliates, agents, independent 
    any one of you in writing. You also have the same right to  contractors or service providers may contact you by using 
    cancel this Agreement at any time by sending us a notice in  any e-mail or any telephone number you provide, including 
    writing or calling the BankCard Center at 1-800-996-2638  a telephone number for a cellular phone or other wireless 
    (for TTY call 1-800-659-5495). If this Agreement is canceled  device, regardless of whether you incur any charges as a 
    by you or us, your obligation is to repay amounts you  result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  �  The charge in question may remain on your 
    If you think there is an error on your statement, write to us  statement, and we may continue to charge you 
    at:                                          interest on that amount. 
             Bank of the West                  �  While you do not have to pay the amount in 
             BankCard Customer Service Department  question, you are responsible for the remainder of 
             PO Box 2319                         your balance. 
             Omaha, NE 68172-9793              �  We can apply any unpaid amount against your 
       In your letter, give us the following information:  credit limit. 
      �  Account information: Your name and account   
         number.                             After we finish our investigation, one of two things 
      �  Dollar amount: The dollar amount of the suspected  will happen: 
         error.                               
      �  Description of problem: If you think there is an error  �  If we made a mistake: You will not have to pay the 
         on your bill, describe what you believe is wrong and  amount in question or any interest or other fees 
         why you believe it is a mistake.        related to that amount. 
       You must contact us:                    �  If we do not believe there was a mistake: You will 
      �  Within 60 days after the error appeared on your  have to pay the amount in question, along with 
         statement.                              applicable interest and fees.  We will send you a 
      �  At least 3 business days before an automated  statement of the amount you owe and the date 
         payment is scheduled, if you want to stop payment  payment is due.  We may then report you as 
         on the amount you think is wrong.       delinquent if you do not pay the amount we think 
    You must notify us of any potential errors in writing [or  you owe. 
    electronically].  You may call us, but if you do we are not   
    required to investigate any potential errors and you may  If you receive our explanation but still believe your bill is 
    have to pay the amount in question.     wrong, you must write to us within 10 days telling us that 
                                            you still refuse to pay.  If you do so, we cannot report you as 
    What Will Happen After We Receive Your Letter  delinquent without also reporting that you are questioning 
     When we receive your letter, we must do two things:  your bill.  We must tell you the name of anyone to whom we 
     1. Within 30 days of receiving your letter, we must tell you  reported you as delinquent, and we must let those 
    that we received your letter.  We will also tell you if we have  organizations know when the matter has been settled 
    already corrected the error.            between us. 
     2. Within 90 days of receiving your letter, we must either   
    correct the error or explain to you why we believe the bill is  If we do not follow all of the rules above, you do not have 
    correct.  While we investigate whether or not there has  to pay the first $50 of the amount you question even if your 
    been an error:                          bill is correct. 
                                              
       �  We cannot try to collect the amount in question, or  Your Rights If You Are Dissatisfied With Your Credit 
         report you as delinquent on that amount.  Card Purchases 
                                             If you are dissatisfied with the goods or services that you 
                                            have purchased with your credit card and you have tried in 
    BW-CCAG (Rev. 12/2017) 
     
      
    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 fully paid for the purchase. 
     
      If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West  
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services obtained pursuant hereto or with the proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 12/2017) 
     
     
                  Interest Rates, Interest Charges, and Fees � Platinum Rewards Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                           After that, your APR will be 16.99% to 23.99%, based on your 
                           creditworthiness. 
                          
      
                           This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  16.99% to 23.99%, based on your creditworthiness. 
                          
                           This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.99% 
                          
                           This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies              
                            
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at    http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees     
                          
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                          
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                          
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees         
                          
        �  Late Payment   Up to $38 (Varies by State. See next page for details.). 
     
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit 
     Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next six 
     billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next six 
     billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
     Payment Due. 
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
     six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next  
     Continued on next page 
    Cont 
     
    six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
    Payment Due. 
    Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
    protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the 
    cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
    rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit 
    insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged 
      
    (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than 
    certain participation fees for a credit card account). 
    If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
    penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces members 
    and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 1-800-659-
    5495). 
    Doing business in South Dakota as Bank of the West California. 
     
     
     
     
    Cont 
                                                  CREDIT CARD AGREEMENT  
                                                                                            (Personal Accounts) 
                                             
                                        ?
     By requesting or accepting any Platinum MasterCard ,  necessary to verify Payments received on your Credit Card 
             ?                    ?
    Platinum Visa , Platinum Rewards MasterCard , Platinum  account.  If we accept a payment from you in excess of your 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  outstanding balance, your available Credit Limit will not be 
    (individually or collectively called �Credit Card account� or  increased by the amount of the overpayment nor will we be 
    �Account�) with Bank of the West, you agree to be bound by  required to authorize transactions for an amount in excess 
    all the terms of this Agreement. In this Agreement, the  of your Credit Limit. 
    words �you� or �your� mean everyone who has requested or  3. Temporary Reduction of Credit Limit.  Merchants, 
    accepted a Credit Card account with us. The words �we,�  such as car rental companies and hotels, may request prior 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  credit approval from us for an estimated amount of your 
     accept this Agreement, you must notify us in writing within 5  Purchases, even if you ultimately do not pay by credit. If our 
     days after receipt.  Use of your card or any feature  approval is granted, your available Credit Limit will 
     (including a balance transfer) of your  Credit  Card  temporarily be reduced by the amount authorized by us.  If 
     Agreement shall constitute acceptance of this Agreement.   you do not ultimately use your Credit Card account to pay 
      1. Use.  Your Platinum MasterCard, Platinum Visa,  for your Purchases or if the actual amount of Purchases 
     Platinum Rewards MasterCard,  Platinum Rewards Visa  posted to your Credit Card account varies from the 
     card or Cash Back  World  MasterCard (individually or  estimated amount approved by us, it is the responsibility of 
     collectively called �Card�) may be used as a credit card for  the merchant, not us, to cancel the prior credit approval 
     purchases of goods or services from participating  based on the estimated amount. The failure of the merchant 
     merchants (�Purchases�) or to get Cash Advances from us  to cancel a prior credit approval may result in a temporary 
     or any other financial institution displaying the �MasterCard�  reduction of your available Credit Limit, but will not increase 
     or �Visa� logo, or to purchase certain items such as  the amount you owe us under this Agreement. 
     traveler's cheques, foreign currency, money orders, wire  4. Agreement to Pay. When you use your Card or Credit 
     transfers, lottery tickets, and (except as noted below) funds  Card account, or when you permit anyone to use it, you 
     to be used for wagers or gambling (all of which are  agree to pay the amount of any and all transactions 
     collectively referred to as �Cash Advances�) up to your  (including any which may have been made in violation of 
     Credit Limit; provided, however, you may not use your Card  this Agreement), and the INTEREST CHARGES, and fees 
     (i) to make Purchases or obtain Cash Advances for any  that may become due as shown on the periodic statement. 
     illegal transaction, or (ii) for any internet or online gambling  You agree that we may change or cancel your Credit Card 
     transactions.  Transactions for online or internet gambling  Account at any time without affecting your obligation to pay 
     will not be approved.  If you use your Card for any illegal or  the amounts that you owe under this Agreement.  
     prohibited transaction, this Agreement also applies to such  5. Periodic Statement. Each month we will send you a 
     transaction and you agree to pay any and all amounts  periodic statement for each Credit Card account you have 
     related to such transaction pursuant to the terms of this  with us covering the previous billing period. We may not 
     Agreement. We may, in our sole discretion, restrict the use  send you a statement if your balance is less than $1 and 
     of or terminate your Card if we notice excessive use of your  there were no transactions during the billing period. The 
     Card or other suspicious activities or if we reasonably  statement will have a �Statement Period Date�, �Statement 
     believe the Card is or has been used for one or more illegal  Closing Date� and a �Payment Due Date,� and will show, 
     or prohibited transactions. You can also obtain a Cash  among other things, your �Previous Balance,� your �New 
     Advance by writing a special MasterCard or Visa check  Balance,� and your minimum monthly payment, which will 
     (�Convenience Check�).  The Cash Advance will be posted  be shown as �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a 
     Advances. In addition, you may request that we pay other  manner we determine except as otherwise required by law.  
     creditors on your behalf and transfer approved amounts to  The Minimum Payment is applied first to fees, then to 
     your Account (�Balance Transfers�).     INTEREST CHARGES and finally to principal. We apply the 
      Your Card may also be used in certain automated  Minimum Payment to balances with lower APRs, including 
     terminals to gain access to your Credit Card accounts. We  introductory APRs, before balances with higher APRs. 
     have no responsibility for the failure of any machine,  Payments made in excess of the Minimum Payment will be 
     merchant, financial institution, or any other party to honor  applied first to balances with the highest  ANNUAL 
     your Card. Your Card and Credit Card account may be used  PERCENTAGE RATE and then to each successive balance 
     only for valid and lawful purposes. If you use or  allow  bearing the next highest ANNUAL PERCENTAGE RATE.  
    someone else to use the Card or Credit Card account for    Payments must be mailed to the BankCard Center 
    any other purpose, you will be responsible for such use and  address specified in your periodic statement. Payments 
    may be required to reimburse us for all amounts or  must reach our BankCard Center during our regular 
    expenses we pay as a result of such use.  business day in order to be credited on that date.  
     2. Credit Limit.  We will notify you of the Credit Limit for  Payments received after the cutoff times of 5:00 p.m. PT 
    each Credit Card account you have with us. You agree that  are credited as of the following business day. If you make a 
    your total charges, including Purchases, Cash Advances,  payment by any means other than mail to our BankCard 
    Balance Transfers, INTEREST CHARGES, and fees that  Center crediting of the payment may be delayed.  If you fail 
    may be due will not exceed your Credit Limit. If you do go  to properly make payments, crediting such payments may 
    over your Credit Limit, you must repay the excess amount  be delayed. Your total available credit may not be restored 
    immediately, and we may reduce the available Credit Limit  for up to 15 days after we receive your payment.    
    of any other Credit Card account you have with us until    If a payment is returned to us for any reason, we may 
    such time the excess amount is repaid. You may apply to  apply a Returned Payment Fee of $27 for the first violation 
    increase your Credit Limit at any time but we are not  and $38 for each subsequent violation within the next six 
    obligated to increase your Credit Limit at any time.  billing cycles. The Returned Payment  Fee for Iowa 
    Furthermore, we reserve the right to lower your Credit Limit  residents is $27 for the first violation and $30 for each 
    at any time. For security reasons, we may limit the number  subsequent violation within the next six billing cycles.  If the 
    or amount of transactions that may be accomplished with  Returned Payment  Fee is greater than the Minimum 
    your Card or Credit Card account, and we have the right to  Payment Due, the fee will be equal to the Minimum 
    limit authorizations to make transactions if we consider it  Payment Due.  
    BW-CCAG (Rev. 12/2017) 
     
      
        From time to time, we may let you skip or reduce one or  corresponding ANNUAL PERCENTAGE RATE may change 
     more monthly payments during a year and/or we may  each month on the first day of each of your billing cycles. 
     temporarily reduce or eliminate certain  INTEREST  Each date on which the rate of interest could change is 
     CHARGES on all or a portion of your Credit Card account  called a �Change Date.� Changes will be based on changes 
     balance or offer you other special terms. If we do, we will  in the �Index.� The Index is the Prime Rate published in the 
     advise you of the scope and duration of the applicable skip  �Money Rates� table of The Wall Street Journal on the 
     or promotional feature. When the skip or promotional  business day immediately preceding the day your billing 
     feature ends, your regular rates and all the terms of the  cycle ends. If the Index is no longer available, we will 
     Agreement will resume.                  choose a new index which is based upon comparable 
      7. Minimum Payment- Late Payment Fee. At least the  information and will give you notice of our choice.   The 
     amount of the �Minimum Payment Due� must be received  ANNUAL PERCENTAGE RATE may increase or decrease 
     by us by the �Payment Due Date.� If it is not, we may apply  each month if the Index changes. Any new rate will be 
     a Late Payment fee of $27 for the first violation and $38 for  applied as of the first day of your billing cycle during which 
     each subsequent violation within the next six billing cycles.   the  Index has changed. If the ANNUAL PERCENTAGE 
    The Late Payment fee for Iowa residents is $27 for the first  RATE increases, you will pay a higher INTEREST 
    violation and $30 for each subsequent violation within the  CHARGE, which may result in a higher minimum payment.  
    next six billing cycles.  If the Late Payment fee is greater    The interest rate for Purchases (after the Introductory 
    than the Minimum Payment Due, the fee will be equal to the  Period) and Balance Transfers on your Platinum Rewards 
    Minimum Payment Due.  If such charge would result in an  Credit Card account is based on a variable rate equal to the 
     INTEREST CHARGE greater than the maximum allowed by  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
     law, we will only charge the maximum allowable rate. Your  percentage points, based on your creditworthiness.  The 
     Minimum Payment Due will be 3% of the New Balance plus  interest rate for Purchases (after the Introductory Period) 
    any Late Payment fee (with a minimum of the lesser of $25  and Balance Transfers on your Platinum Credit Card 
    or your New Balance) and any amount over your credit limit  account is based on a variable rate equal to the sum of the 
    and past due amount.                     Index plus a �Rate Spread� of 11.74 to 19.74 percentage 
     8. How to Avoid Paying Interest on Purchases. There  points, based on your creditworthiness. The interest rate for 
                                             Purchases (after the Introductory Period) and Balance 
    may be different treatment of  INTEREST CHARGES for 
                                             Transfers on your Cash Back World Credit Card account is 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             based on a variable rate equal to the sum of the Index plus 
    though they are computed the same way. You may avoid 
                                             a �Rate Spread� of 12.74 to 19.74 percentage points, based 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             on your creditworthiness.  The interest rate for Cash 
    the entire New Balance by the Payment Due Date. If we do 
                                            Advances on your Account is based on a variable rate equal 
    not receive the entire New Balance by the Payment Due 
                                            to the sum of the Index plus a �Rate Spread� of 21.74 
    Date, the INTEREST CHARGE will be charged on the 
                                            percentage points. Immediately before each Change Date 
    Purchases from the date of the transaction.  INTEREST 
                                            we will determine the new interest rate by adding the Rate 
    CHARGES on all other balances, including Cash Advances 
                                            Spread to the Index. The new interest rate will become 
    and Balance Transfers, begin on the transaction date and 
                                            effective at the start of your first billing cycle after the 
    will be assessed even if your entire New Balance is paid by 
                                            Change Date. Only one ANNUAL PERCENTAGE RATE 
    the Payment Due Date. 
      9. Computing Your INTEREST CHARGE. We figure the  and Daily Periodic Rate will be in effect for each Balance 
                                            Category during the billing period. The  ANNUAL 
    INTEREST CHARGE on each Credit Card account by 
                                            PERCENTAGE RATE will not exceed the maximum rate 
    applying the periodic rate to the �Average Daily Balance� of 
                                            permitted by law. The effect of any increase in the ANNUAL 
    each Balance Category on the Credit Card account, 
                                            PERCENTAGE RATE and the Daily Periodic Rate would be 
    including current transactions. Balance Categories include 
                                             to increase the amount of INTEREST CHARGE or interest 
    Purchases, Balance Transfers, Cash Advances, 
                                             you must pay and thus increase your monthly payments. 
    Introductory Rates and any special rate offers we may make 
                                              10. Transaction Fees. You also agree to pay us the 
    available from time to time.  If you are charged interest, the 
                                            appropriate fees listed below (as permitted by applicable 
     charge will be no less than $1.00 (the minimum interest 
                                            law) which may be amended from time to time by us. You 
    charge will appear as �Minimum Charge� in the fees section 
                                            authorize us to charge your Credit Card account for the 
    of your statement).  
                                            following fees due to us. Cash Advance fee: 4.00% of each 
       a. Average Daily Balance.  To obtain the daily 
                                            Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
    balance for each Balance Category we take the beginning 
                                            of each balance transferred, $10 minimum. 
    balance each day and add new transactions applicable to 
                                              11.   Foreign  Transaction  Fee. Transactions that you 
    each category, and subtract any payments, credits, and 
                                            make in a foreign currency or that you make outside of the 
    refunds applied to the category.  To figure your Average 
                                            United States of America even if it is made in U.S. dollars 
    Daily Balance for each Balance Category, we add all your 
                                            are considered foreign transactions.  If you make  a 
    daily balances and divide by the number of days in the 
                                            transaction in a foreign currency it will be billed to you in 
    billing period. 
                                            U.S. Dollars. The conversion rate to U.S. Dollars will be 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            determined by Visa International or MasterCard 
    INTEREST CHARGE for each Balance Category by 
                                            International in accordance with their operating regulations 
    multiplying these Average Daily Balances by the applicable 
                                            or conversion procedures in effect at the time the 
    Daily Periodic Rate, and then we multiply the result by the 
                                            transaction is processed. Currently, their regulations and 
    number of days in the billing period. To determine the Daily 
                                            procedures provide that the currency conversion rate they 
    Periodic Rate for each Balance Category, we divide the 
                                            use is either (1) a government-mandated rate or (2) a 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            wholesale market rate, whichever is applicable, in effect one 
    billing period by 365 (366 for leap year). The way we get the 
                                            day prior to the processing date. We do not determine the 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            currency conversion rate which is used.  You agree to pay 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            the converted amount in U.S. funds. In addition, Visa or 
       c. Fixed Rate. For the Introductory Period your interest 
                                            MasterCard will charge us (the Bank) an international 
    rate for Purchases on your Account is equal to 0.00% APR; 
                                            transaction fee, currently equal to one percent (1.00%) of 
    thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                            the transaction amount. We will charge you the international 
    Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            transaction fee imposed on us plus an additional  two 
     RATES for Balance Transfers or Cash Advances may vary. 
                                            percent (2.00%) of the transaction amount whether that 
     Please refer to your Account Opening Disclosures  for 
                                            transaction was originally made in U.S. dollars or was made 
     specific introductory period and ANNUAL PERCENTAGE 
                                            in another currency and converted to U.S. dollars.  These 
     RATES associated with your account. 
                                            two fees will be aggregated and shown as one  Foreign 
      d. Variable Rate. The current ANNUAL PERCENTAGE 
                                            Transaction Fee on your statement. 
     RATE for all variable rates  is  shown on the  Account 
                                              12. Other Fees. As allowed by law, we may charge, and 
     Opening Disclosure which has been provided to you with 
                                            you agree to pay, fees for certain services or requests made 
     this Agreement. The Daily Periodic Rate and the 
    BW-CCAG (Rev. 12/2017) 
     
      
    by you, such as but not limited to: Automated Teller     (c) You may use your Card at a POS terminal to 
    Machine (�ATM�) transactions conducted at machines not  purchase certain merchandise. The amount of your 
    operated by us, requests for copies of billing statements,  purchase will automatically be charged to your Credit Card 
     sales drafts, or other records of your Account, or if you  account as a Purchase. 
     request a replacement card(s).  However, we will not charge  c. Limits of Automated Terminal Services  -  Cash 
     fees for copies of documents requested for a billing dispute.   Advances. You may get a Cash Advance from a Bank of 
     These fees may change from time to time.  We will inform  the West Automated Terminal up to an aggregate amount of 
     you of the fee(s) that you will incur prior to when the  $500 each calendar day, provided that this amount does not 
     applicable service(s) is(are) provided or when you make the  exceed your Credit Limit. This amount may be less for Cash 
     request(s), as applicable. You authorize us to charge your  Advances from Network ATMs. 
     Credit Card account for any such fees that you incurs. We  d. Card and Secret Code (PIN) Use. You are 
     reserve the right to waive a fee from time to time but a  responsible for all transactions in which you use your Card 
     waiver does not mean we will continue to waive such fee in  in an automated terminal, or the use of the Card by anyone 
     the future.                            else who uses it with your permission. Security in use of the 
      13. Interest Charges for Covered Members of the  Card is provided by the secret code, which we will provide 
     Armed Forces and Their Dependents: Federal law  you, and the magnetically encoded stripe on the Card. 
     provides important protections to members of the Armed  Please keep the Card safe and also protect the secret code. 
     Forces and their dependents relating to extensions of  Use the Card and the secret code as instructed at all times. 
     consumer credit. In general, the cost of consumer credit to a  Please notify us of any mechanical or operating failure in 
    member of the Armed Forces and his or her dependent may  connection with the use of your Card. Do not permit anyone 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  else to use your Card and do not disclose your secret code 
    rate must include, as applicable to the credit transaction or  or record it on the Card. The Card remains the property of 
    account: the costs associated with credit insurance  the Bank and can be revoked and repossessed at any time. 
    premiums; fees for ancillary products sold in connection  You must return it to us when asked. 
    with the credit transaction; any application fee charged  e. Fees for Using Automated Terminal Services. 
    (other than certain application fees for specified credit  Fees may be charged for transactions made at automated 
    transactions or accounts); and any participation fee charged  teller machines not operated by us as described in 
    (other than certain participation fees for a credit card  paragraph 12-Other Fees. 
    account).                                16. Lost or Stolen Card; Your Liability for 
       If you are a covered member of the armed forces or a  Unauthorized Use. Tell us AT ONCE if you believe your 
    dependent, you will not be charged annual fees, transaction  Card has been lost or stolen. Telephoning is the best way of 
    fees, or penalty fees so that your cost may not exceed the  keeping your possible losses down. 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.   You may be liable for the unauthorized use of your Card 
    Armed Forces members and their dependents can hear  as a credit card. You will not be liable for unauthorized use 
    about the protections provided to them by calling 1-866- of your Card as a credit card which occurs after you notify 
    761-2689 (TTY users call 1-800-659-5495).  us at the telephone number or address stated in paragraph 
       14.  Default. We may declare the entire balance for all  17, orally or in writing, of loss, theft, or possible 
    Credit Card accounts due and payable at once with or  unauthorized use. In any case, your liability for unauthorized 
    without notice or demand if any of these events (a �Default�)  use of your Card as a credit card will not exceed $50.00. 
    happens:                                 17.  Where to Call or Write. If you believe your Card has 
       a. If you miss a payment under this Agreement or any  been lost or stolen or that someone is using your Card or 
    other obligation you owe us; or         Credit Card account without your permission, call: 
       b. If you violate any terms of this Agreement.  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
       If you are in Default, we may terminate your Credit Card  Bank of the West, BankCard Security Department, PO Box 
    account, make no more additional loans, and require you to  2078, Omaha, NE 68103-2078. 
    immediately repay the entire unpaid balance of all amounts  18.  Our Business Days. Our business days are 
    due on your Credit Card account, including but not limited to  Monday through Friday, except for bank holidays. 
    all loan amounts, late charges and other charges assessed  19.  Credit Investigation and Disclosure. You authorize 
    but not paid, and all of the INTEREST CHARGES accrued  us, both now and in the future, to check your credit and 
    but not paid. If we terminate your Credit Card account, your  employment history and to release information about our 
    obligation to repay the amounts you already owe us would  credit experience with you in response to legitimate credit 
    continue.                               inquiries. If you believe that we have incorrect information 
       At our option, we may also take action short of  or have reported inaccurate information about you to a 
    terminating your Credit Card account. If we take such lesser  credit bureau, please call us at  1-800-996-2638  (for 
    action initially, we reserve the right to terminate your Credit  TTY  call 1-800-659-5495).  As required by law, you are 
    Card account and accelerate all amounts due under this  hereby notified that a negative credit report reflecting on 
    Agreement regardless of whether any additional events  your credit history may be submitted to a credit reporting 
    have occurred which would permit termination and  agency if you fail to fulfill the terms of your credit 
    acceleration.                            obligations. 
      15.  Automated Terminal Services        20. Security Interest. We have no security for any 
       a. Automated Terminals. You may use your Card in  amounts which become due under this Agreement, even 
    the following automated terminals:      though any other agreement you may have with us, such as 
         (1) Any Bank of the West automated teller machines.  a mortgage, may provide for such a security interest, unless 
         (2) Any other automated teller machine that is  you have given us a specific security interest in connection 
    participating in a network and accepts our Card (�Network  with this Agreement, which is described on the Supplement 
    ATM�) and                               attached to this Agreement. 
          (3) Any point-of-sale terminal that accepts our Card  21.  Collection. You promise to pay all collection costs, 
    (�POS terminal�).                       including, without limitation, mailgram charges, reasonable 
       b. Services Available at an Automated Terminal  lawyers� fees and court costs, as permitted by law. 
         (1) You may use your Card at a Bank of the West or  22.  If There are More Than One of You. Each of you 
    any Network ATM to:                     individually, or all of you together, will be liable under this 
          (a) Get a Cash Advance from your Credit Card  Agreement. We may collect from or sue any one of you, or 
    account.                                make any settlements or extensions with any one of you, 
          (b) Get your Credit Card account balances. These  without giving up our rights against the other. You 
    balances may not include some transactions recently made  understand that any one of you can make Purchases, get 
    in your Credit Card account. Some of the services  Cash Advances, or perform Balance Transfers under this 
    described in subparagraphs (a) and (b) may not be  Agreement which will be binding upon all of you. 
    available at all Network ATMs.           23.  No Waiver of Rights. If we choose to waive any of 
                                            the terms or conditions of this Agreement on a case-by-
    BW-CCAG (Rev. 12/2017) 
     
      
    case basis, such as by not declaring the entire balance due  already owe under this Agreement.  In either case, the 
    when the minimum monthly payment has not been made on  account will be closed and you will no longer have access to 
    time, it does not mean that we have waived, or given up,  the account. 
    our right to exercise any of our rights or remedies under this  26.  Governing Law. This Agreement will be governed by 
     Agreement in the future. We are not required to use any  the laws of the State of Nebraska, and, as applicable, 
     particular kind of demand or notice in order to collect  federal law, regardless of where the transactions are made. 
     amounts due to us under this Agreement. No indulgence or  27. Monitoring/Recording Telephone Calls.  Our 
     acceptance by us of delinquent or partial payments  supervisory personnel may listen to and record your 
     constitute a waiver of our rights or of any provision of this  telephone calls to us for the purpose of monitoring and 
     Agreement. No waiver of any existing default shall be  improving the quality of service you receive. 
     deemed to waive any subsequent default.  28.  Severability.  All other provisions of this Agreement 
      24. Changing Terms. We can change, add to, delete or  shall remain in full force even if one or more provisions of 
    otherwise modify the terms of this Agreement at any time in  this Agreement are held invalid, illegal, void or 
    any way permitted by law.  We will send you a notice of  unenforceable by any rule or law, administrative order or 
    change at least 45 days (or as required by applicable law)  judicial decision. 
    before the effective date of the change. We do not have to  29.  Our Communications with You 
    send you an advance notice of the change if it favors you,  You agree that we, any of our affiliates, agents, 
    such as by reducing rates, or increasing the maximum  independent contractors or service providers may monitor 
    credit limit.  Except in cases where we are changing terms  and record telephone calls regarding your banking services 
    due to the Minimum Payment Due not being received within  to assure the quality of our service or for other reasons. You 
    60 days of the Payment Due Date, you agree that the  expressly consent that we, any of our affiliates, agents, 
    change may cover all transactions made 15 days after we  independent contractors or service providers may use 
    mail the notice.  If you do not agree to the change, a  written, electronic, or verbal means, or  any other medium, 
    method for rejecting the change and closing the account will  as permitted by law and including, but not limited to, mail 
    be provided in the Change of Terms Notice.   You agree  and facsimile, to contact you. Your consent includes, but is 
    that if you use your card after the effective date of the  not limited to, contact by manual calling methods, 
    change, this will constitute your agreement with the change.   prerecorded or artificial voice messages, text messages, e-
     25. Canceling this Agreement. We have the right to  mails and/or automatic telephone dialing systems. You 
    cancel this Agreement at any time by sending a notice to  agree that we, any of our affiliates, agents, independent 
    any one of you in writing. You also have the same right to  contractors or service providers may contact you by using 
    cancel this Agreement at any time by sending us a notice in  any e-mail or any telephone number you provide, including 
    writing or calling the BankCard Center at 1-800-996-2638  a telephone number for a cellular phone or other wireless 
    (for TTY call 1-800-659-5495). If this Agreement is canceled  device, regardless of whether you incur any charges as a 
    by you or us, your obligation is to repay amounts you  result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  �  The charge in question may remain on your 
    If you think there is an error on your statement, write to us  statement, and we may continue to charge you 
    at:                                          interest on that amount. 
             Bank of the West                  �  While you do not have to pay the amount in 
             BankCard Customer Service Department  question, you are responsible for the remainder of 
             PO Box 2319                         your balance. 
             Omaha, NE 68172-9793              �  We can apply any unpaid amount against your 
       In your letter, give us the following information:  credit limit. 
      �  Account information: Your name and account   
         number.                             After we finish our investigation, one of two things 
      �  Dollar amount: The dollar amount of the suspected  will happen: 
         error.                               
      �  Description of problem: If you think there is an error  �  If we made a mistake: You will not have to pay the 
         on your bill, describe what you believe is wrong and  amount in question or any interest or other fees 
         why you believe it is a mistake.        related to that amount. 
       You must contact us:                    �  If we do not believe there was a mistake: You will 
      �  Within 60 days after the error appeared on your  have to pay the amount in question, along with 
         statement.                              applicable interest and fees.  We will send you a 
      �  At least 3 business days before an automated  statement of the amount you owe and the date 
         payment is scheduled, if you want to stop payment  payment is due.  We may then report you as 
         on the amount you think is wrong.       delinquent if you do not pay the amount we think 
    You must notify us of any potential errors in writing [or  you owe. 
    electronically].  You may call us, but if you do we are not   
    required to investigate any potential errors and you may  If you receive our explanation but still believe your bill is 
    have to pay the amount in question.     wrong, you must write to us within 10 days telling us that 
                                            you still refuse to pay.  If you do so, we cannot report you as 
    What Will Happen After We Receive Your Letter  delinquent without also reporting that you are questioning 
     When we receive your letter, we must do two things:  your bill.  We must tell you the name of anyone to whom we 
     1. Within 30 days of receiving your letter, we must tell you  reported you as delinquent, and we must let those 
    that we received your letter.  We will also tell you if we have  organizations know when the matter has been settled 
    already corrected the error.            between us. 
     2. Within 90 days of receiving your letter, we must either   
    correct the error or explain to you why we believe the bill is  If we do not follow all of the rules above, you do not have 
    correct.  While we investigate whether or not there has  to pay the first $50 of the amount you question even if your 
    been an error:                          bill is correct. 
                                              
       �  We cannot try to collect the amount in question, or  Your Rights If You Are Dissatisfied With Your Credit 
         report you as delinquent on that amount.  Card Purchases 
                                             If you are dissatisfied with the goods or services that you 
                                            have purchased with your credit card and you have tried in 
    BW-CCAG (Rev. 12/2017) 
     
      
    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 fully paid for the purchase. 
     
      If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West  
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services obtained pursuant hereto or with the proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 12/2017) 
          
                  Interest Rates, Interest Charges, and Fees � Cash Back World Mastercard� Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                           After that, your APR will be 16.99% to 23.99%, based on your 
                           creditworthiness. 
                          
                           This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  16.99% to 23.99%, based on your creditworthiness. 
                          
                           This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.99% 
                          
                           This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies              
                            
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at    http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees     
                          
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                          
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                          
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees         
                          
        �  Late Payment   Up to $38 (Varies by State. See next page for details.). 
     
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit 
     Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within the next 
     six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next 
     six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
     Payment Due. 
          
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within the 
     next six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
     next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
          
          
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the 
     cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
     rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit 
     insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged 
     (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other 
     than certain participation fees for a credit card account). 
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces members 
     and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 1-800-659-
     5495). 
     Doing business in South Dakota as Bank of the West California. 
      
     
                                                  CREDIT CARD AGREEMENT  
                                                                                            (Personal Accounts) 
                                             
                                        ?
     By requesting or accepting any Platinum MasterCard ,  necessary to verify Payments received on your Credit Card 
             ?                    ?
    Platinum Visa , Platinum Rewards MasterCard , Platinum  account.  If we accept a payment from you in excess of your 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  outstanding balance, your available Credit Limit will not be 
    (individually or collectively called �Credit Card account� or  increased by the amount of the overpayment nor will we be 
    �Account�) with Bank of the West, you agree to be bound by  required to authorize transactions for an amount in excess 
    all the terms of this Agreement. In this Agreement, the  of your Credit Limit. 
    words �you� or �your� mean everyone who has requested or  3. Temporary Reduction of Credit Limit.  Merchants, 
    accepted a Credit Card account with us. The words �we,�  such as car rental companies and hotels, may request prior 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  credit approval from us for an estimated amount of your 
     accept this Agreement, you must notify us in writing within 5  Purchases, even if you ultimately do not pay by credit. If our 
     days after receipt.  Use of your card or any feature  approval is granted, your available Credit Limit will 
     (including a balance transfer) of your  Credit  Card  temporarily be reduced by the amount authorized by us.  If 
     Agreement shall constitute acceptance of this Agreement.   you do not ultimately use your Credit Card account to pay 
      1. Use.  Your Platinum MasterCard, Platinum Visa,  for your Purchases or if the actual amount of Purchases 
     Platinum Rewards MasterCard,  Platinum Rewards Visa  posted to your Credit Card account varies from the 
     card or Cash Back  World  MasterCard (individually or  estimated amount approved by us, it is the responsibility of 
     collectively called �Card�) may be used as a credit card for  the merchant, not us, to cancel the prior credit approval 
     purchases of goods or services from participating  based on the estimated amount. The failure of the merchant 
     merchants (�Purchases�) or to get Cash Advances from us  to cancel a prior credit approval may result in a temporary 
     or any other financial institution displaying the �MasterCard�  reduction of your available Credit Limit, but will not increase 
     or �Visa� logo, or to purchase certain items such as  the amount you owe us under this Agreement. 
     traveler's cheques, foreign currency, money orders, wire  4. Agreement to Pay. When you use your Card or Credit 
     transfers, lottery tickets, and (except as noted below) funds  Card account, or when you permit anyone to use it, you 
     to be used for wagers or gambling (all of which are  agree to pay the amount of any and all transactions 
     collectively referred to as �Cash Advances�) up to your  (including any which may have been made in violation of 
     Credit Limit; provided, however, you may not use your Card  this Agreement), and the INTEREST CHARGES, and fees 
     (i) to make Purchases or obtain Cash Advances for any  that may become due as shown on the periodic statement. 
     illegal transaction, or (ii) for any internet or online gambling  You agree that we may change or cancel your Credit Card 
     transactions.  Transactions for online or internet gambling  Account at any time without affecting your obligation to pay 
     will not be approved.  If you use your Card for any illegal or  the amounts that you owe under this Agreement.  
     prohibited transaction, this Agreement also applies to such  5. Periodic Statement. Each month we will send you a 
     transaction and you agree to pay any and all amounts  periodic statement for each Credit Card account you have 
     related to such transaction pursuant to the terms of this  with us covering the previous billing period. We may not 
     Agreement. We may, in our sole discretion, restrict the use  send you a statement if your balance is less than $1 and 
     of or terminate your Card if we notice excessive use of your  there were no transactions during the billing period. The 
     Card or other suspicious activities or if we reasonably  statement will have a �Statement Period Date�, �Statement 
     believe the Card is or has been used for one or more illegal  Closing Date� and a �Payment Due Date,� and will show, 
     or prohibited transactions. You can also obtain a Cash  among other things, your �Previous Balance,� your �New 
     Advance by writing a special MasterCard or Visa check  Balance,� and your minimum monthly payment, which will 
     (�Convenience Check�).  The Cash Advance will be posted  be shown as �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a 
     Advances. In addition, you may request that we pay other  manner we determine except as otherwise required by law.  
     creditors on your behalf and transfer approved amounts to  The Minimum Payment is applied first to fees, then to 
     your Account (�Balance Transfers�).     INTEREST CHARGES and finally to principal. We apply the 
      Your Card may also be used in certain automated  Minimum Payment to balances with lower APRs, including 
     terminals to gain access to your Credit Card accounts. We  introductory APRs, before balances with higher APRs. 
     have no responsibility for the failure of any machine,  Payments made in excess of the Minimum Payment will be 
     merchant, financial institution, or any other party to honor  applied first to balances with the highest  ANNUAL 
     your Card. Your Card and Credit Card account may be used  PERCENTAGE RATE and then to each successive balance 
     only for valid and lawful purposes. If you use or  allow  bearing the next highest ANNUAL PERCENTAGE RATE.  
    someone else to use the Card or Credit Card account for    Payments must be mailed to the BankCard Center 
    any other purpose, you will be responsible for such use and  address specified in your periodic statement. Payments 
    may be required to reimburse us for all amounts or  must reach our BankCard Center during our regular 
    expenses we pay as a result of such use.  business day in order to be credited on that date.  
     2. Credit Limit.  We will notify you of the Credit Limit for  Payments received after the cutoff times of 5:00 p.m. PT 
    each Credit Card account you have with us. You agree that  are credited as of the following business day. If you make a 
    your total charges, including Purchases, Cash Advances,  payment by any means other than mail to our BankCard 
    Balance Transfers, INTEREST CHARGES, and fees that  Center crediting of the payment may be delayed.  If you fail 
    may be due will not exceed your Credit Limit. If you do go  to properly make payments, crediting such payments may 
    over your Credit Limit, you must repay the excess amount  be delayed. Your total available credit may not be restored 
    immediately, and we may reduce the available Credit Limit  for up to 15 days after we receive your payment.    
    of any other Credit Card account you have with us until    If a payment is returned to us for any reason, we may 
    such time the excess amount is repaid. You may apply to  apply a Returned Payment Fee of $27 for the first violation 
    increase your Credit Limit at any time but we are not  and $38 for each subsequent violation within the next six 
    obligated to increase your Credit Limit at any time.  billing cycles. The Returned Payment  Fee for Iowa 
    Furthermore, we reserve the right to lower your Credit Limit  residents is $27 for the first violation and $30 for each 
    at any time. For security reasons, we may limit the number  subsequent violation within the next six billing cycles.  If the 
    or amount of transactions that may be accomplished with  Returned Payment  Fee is greater than the Minimum 
    your Card or Credit Card account, and we have the right to  Payment Due, the fee will be equal to the Minimum 
    limit authorizations to make transactions if we consider it  Payment Due.  
    BW-CCAG (Rev. 12/2017) 
     
      
        From time to time, we may let you skip or reduce one or  corresponding ANNUAL PERCENTAGE RATE may change 
     more monthly payments during a year and/or we may  each month on the first day of each of your billing cycles. 
     temporarily reduce or eliminate certain  INTEREST  Each date on which the rate of interest could change is 
     CHARGES on all or a portion of your Credit Card account  called a �Change Date.� Changes will be based on changes 
     balance or offer you other special terms. If we do, we will  in the �Index.� The Index is the Prime Rate published in the 
     advise you of the scope and duration of the applicable skip  �Money Rates� table of The Wall Street Journal on the 
     or promotional feature. When the skip or promotional  business day immediately preceding the day your billing 
     feature ends, your regular rates and all the terms of the  cycle ends. If the Index is no longer available, we will 
     Agreement will resume.                  choose a new index which is based upon comparable 
      7. Minimum Payment- Late Payment Fee. At least the  information and will give you notice of our choice.   The 
     amount of the �Minimum Payment Due� must be received  ANNUAL PERCENTAGE RATE may increase or decrease 
     by us by the �Payment Due Date.� If it is not, we may apply  each month if the Index changes. Any new rate will be 
     a Late Payment fee of $27 for the first violation and $38 for  applied as of the first day of your billing cycle during which 
     each subsequent violation within the next six billing cycles.   the  Index has changed. If the ANNUAL PERCENTAGE 
    The Late Payment fee for Iowa residents is $27 for the first  RATE increases, you will pay a higher INTEREST 
    violation and $30 for each subsequent violation within the  CHARGE, which may result in a higher minimum payment.  
    next six billing cycles.  If the Late Payment fee is greater    The interest rate for Purchases (after the Introductory 
    than the Minimum Payment Due, the fee will be equal to the  Period) and Balance Transfers on your Platinum Rewards 
    Minimum Payment Due.  If such charge would result in an  Credit Card account is based on a variable rate equal to the 
     INTEREST CHARGE greater than the maximum allowed by  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
     law, we will only charge the maximum allowable rate. Your  percentage points, based on your creditworthiness.  The 
     Minimum Payment Due will be 3% of the New Balance plus  interest rate for Purchases (after the Introductory Period) 
    any Late Payment fee (with a minimum of the lesser of $25  and Balance Transfers on your Platinum Credit Card 
    or your New Balance) and any amount over your credit limit  account is based on a variable rate equal to the sum of the 
    and past due amount.                     Index plus a �Rate Spread� of 11.74 to 19.74 percentage 
     8. How to Avoid Paying Interest on Purchases. There  points, based on your creditworthiness. The interest rate for 
                                             Purchases (after the Introductory Period) and Balance 
    may be different treatment of  INTEREST CHARGES for 
                                             Transfers on your Cash Back World Credit Card account is 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             based on a variable rate equal to the sum of the Index plus 
    though they are computed the same way. You may avoid 
                                             a �Rate Spread� of 12.74 to 19.74 percentage points, based 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             on your creditworthiness.  The interest rate for Cash 
    the entire New Balance by the Payment Due Date. If we do 
                                            Advances on your Account is based on a variable rate equal 
    not receive the entire New Balance by the Payment Due 
                                            to the sum of the Index plus a �Rate Spread� of 21.74 
    Date, the INTEREST CHARGE will be charged on the 
                                            percentage points. Immediately before each Change Date 
    Purchases from the date of the transaction.  INTEREST 
                                            we will determine the new interest rate by adding the Rate 
    CHARGES on all other balances, including Cash Advances 
                                            Spread to the Index. The new interest rate will become 
    and Balance Transfers, begin on the transaction date and 
                                            effective at the start of your first billing cycle after the 
    will be assessed even if your entire New Balance is paid by 
                                            Change Date. Only one ANNUAL PERCENTAGE RATE 
    the Payment Due Date. 
      9. Computing Your INTEREST CHARGE. We figure the  and Daily Periodic Rate will be in effect for each Balance 
                                            Category during the billing period. The  ANNUAL 
    INTEREST CHARGE on each Credit Card account by 
                                            PERCENTAGE RATE will not exceed the maximum rate 
    applying the periodic rate to the �Average Daily Balance� of 
                                            permitted by law. The effect of any increase in the ANNUAL 
    each Balance Category on the Credit Card account, 
                                            PERCENTAGE RATE and the Daily Periodic Rate would be 
    including current transactions. Balance Categories include 
                                             to increase the amount of INTEREST CHARGE or interest 
    Purchases, Balance Transfers, Cash Advances, 
                                             you must pay and thus increase your monthly payments. 
    Introductory Rates and any special rate offers we may make 
                                              10. Transaction Fees. You also agree to pay us the 
    available from time to time.  If you are charged interest, the 
                                            appropriate fees listed below (as permitted by applicable 
     charge will be no less than $1.00 (the minimum interest 
                                            law) which may be amended from time to time by us. You 
    charge will appear as �Minimum Charge� in the fees section 
                                            authorize us to charge your Credit Card account for the 
    of your statement).  
                                            following fees due to us. Cash Advance fee: 4.00% of each 
       a. Average Daily Balance.  To obtain the daily 
                                            Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
    balance for each Balance Category we take the beginning 
                                            of each balance transferred, $10 minimum. 
    balance each day and add new transactions applicable to 
                                              11.   Foreign  Transaction  Fee. Transactions that you 
    each category, and subtract any payments, credits, and 
                                            make in a foreign currency or that you make outside of the 
    refunds applied to the category.  To figure your Average 
                                            United States of America even if it is made in U.S. dollars 
    Daily Balance for each Balance Category, we add all your 
                                            are considered foreign transactions.  If you make  a 
    daily balances and divide by the number of days in the 
                                            transaction in a foreign currency it will be billed to you in 
    billing period. 
                                            U.S. Dollars. The conversion rate to U.S. Dollars will be 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            determined by Visa International or MasterCard 
    INTEREST CHARGE for each Balance Category by 
                                            International in accordance with their operating regulations 
    multiplying these Average Daily Balances by the applicable 
                                            or conversion procedures in effect at the time the 
    Daily Periodic Rate, and then we multiply the result by the 
                                            transaction is processed. Currently, their regulations and 
    number of days in the billing period. To determine the Daily 
                                            procedures provide that the currency conversion rate they 
    Periodic Rate for each Balance Category, we divide the 
                                            use is either (1) a government-mandated rate or (2) a 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            wholesale market rate, whichever is applicable, in effect one 
    billing period by 365 (366 for leap year). The way we get the 
                                            day prior to the processing date. We do not determine the 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            currency conversion rate which is used.  You agree to pay 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            the converted amount in U.S. funds. In addition, Visa or 
       c. Fixed Rate. For the Introductory Period your interest 
                                            MasterCard will charge us (the Bank) an international 
    rate for Purchases on your Account is equal to 0.00% APR; 
                                            transaction fee, currently equal to one percent (1.00%) of 
    thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                            the transaction amount. We will charge you the international 
    Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            transaction fee imposed on us plus an additional  two 
     RATES for Balance Transfers or Cash Advances may vary. 
                                            percent (2.00%) of the transaction amount whether that 
     Please refer to your Account Opening Disclosures  for 
                                            transaction was originally made in U.S. dollars or was made 
     specific introductory period and ANNUAL PERCENTAGE 
                                            in another currency and converted to U.S. dollars.  These 
     RATES associated with your account. 
                                            two fees will be aggregated and shown as one  Foreign 
      d. Variable Rate. The current ANNUAL PERCENTAGE 
                                            Transaction Fee on your statement. 
     RATE for all variable rates  is  shown on the  Account 
                                              12. Other Fees. As allowed by law, we may charge, and 
     Opening Disclosure which has been provided to you with 
                                            you agree to pay, fees for certain services or requests made 
     this Agreement. The Daily Periodic Rate and the 
    BW-CCAG (Rev. 12/2017) 
     
      
    by you, such as but not limited to: Automated Teller     (c) You may use your Card at a POS terminal to 
    Machine (�ATM�) transactions conducted at machines not  purchase certain merchandise. The amount of your 
    operated by us, requests for copies of billing statements,  purchase will automatically be charged to your Credit Card 
     sales drafts, or other records of your Account, or if you  account as a Purchase. 
     request a replacement card(s).  However, we will not charge  c. Limits of Automated Terminal Services  -  Cash 
     fees for copies of documents requested for a billing dispute.   Advances. You may get a Cash Advance from a Bank of 
     These fees may change from time to time.  We will inform  the West Automated Terminal up to an aggregate amount of 
     you of the fee(s) that you will incur prior to when the  $500 each calendar day, provided that this amount does not 
     applicable service(s) is(are) provided or when you make the  exceed your Credit Limit. This amount may be less for Cash 
     request(s), as applicable. You authorize us to charge your  Advances from Network ATMs. 
     Credit Card account for any such fees that you incurs. We  d. Card and Secret Code (PIN) Use. You are 
     reserve the right to waive a fee from time to time but a  responsible for all transactions in which you use your Card 
     waiver does not mean we will continue to waive such fee in  in an automated terminal, or the use of the Card by anyone 
     the future.                            else who uses it with your permission. Security in use of the 
      13. Interest Charges for Covered Members of the  Card is provided by the secret code, which we will provide 
     Armed Forces and Their Dependents: Federal law  you, and the magnetically encoded stripe on the Card. 
     provides important protections to members of the Armed  Please keep the Card safe and also protect the secret code. 
     Forces and their dependents relating to extensions of  Use the Card and the secret code as instructed at all times. 
     consumer credit. In general, the cost of consumer credit to a  Please notify us of any mechanical or operating failure in 
    member of the Armed Forces and his or her dependent may  connection with the use of your Card. Do not permit anyone 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  else to use your Card and do not disclose your secret code 
    rate must include, as applicable to the credit transaction or  or record it on the Card. The Card remains the property of 
    account: the costs associated with credit insurance  the Bank and can be revoked and repossessed at any time. 
    premiums; fees for ancillary products sold in connection  You must return it to us when asked. 
    with the credit transaction; any application fee charged  e. Fees for Using Automated Terminal Services. 
    (other than certain application fees for specified credit  Fees may be charged for transactions made at automated 
    transactions or accounts); and any participation fee charged  teller machines not operated by us as described in 
    (other than certain participation fees for a credit card  paragraph 12-Other Fees. 
    account).                                16. Lost or Stolen Card; Your Liability for 
       If you are a covered member of the armed forces or a  Unauthorized Use. Tell us AT ONCE if you believe your 
    dependent, you will not be charged annual fees, transaction  Card has been lost or stolen. Telephoning is the best way of 
    fees, or penalty fees so that your cost may not exceed the  keeping your possible losses down. 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.   You may be liable for the unauthorized use of your Card 
    Armed Forces members and their dependents can hear  as a credit card. You will not be liable for unauthorized use 
    about the protections provided to them by calling 1-866- of your Card as a credit card which occurs after you notify 
    761-2689 (TTY users call 1-800-659-5495).  us at the telephone number or address stated in paragraph 
       14.  Default. We may declare the entire balance for all  17, orally or in writing, of loss, theft, or possible 
    Credit Card accounts due and payable at once with or  unauthorized use. In any case, your liability for unauthorized 
    without notice or demand if any of these events (a �Default�)  use of your Card as a credit card will not exceed $50.00. 
    happens:                                 17.  Where to Call or Write. If you believe your Card has 
       a. If you miss a payment under this Agreement or any  been lost or stolen or that someone is using your Card or 
    other obligation you owe us; or         Credit Card account without your permission, call: 
       b. If you violate any terms of this Agreement.  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
       If you are in Default, we may terminate your Credit Card  Bank of the West, BankCard Security Department, PO Box 
    account, make no more additional loans, and require you to  2078, Omaha, NE 68103-2078. 
    immediately repay the entire unpaid balance of all amounts  18.  Our Business Days. Our business days are 
    due on your Credit Card account, including but not limited to  Monday through Friday, except for bank holidays. 
    all loan amounts, late charges and other charges assessed  19.  Credit Investigation and Disclosure. You authorize 
    but not paid, and all of the INTEREST CHARGES accrued  us, both now and in the future, to check your credit and 
    but not paid. If we terminate your Credit Card account, your  employment history and to release information about our 
    obligation to repay the amounts you already owe us would  credit experience with you in response to legitimate credit 
    continue.                               inquiries. If you believe that we have incorrect information 
       At our option, we may also take action short of  or have reported inaccurate information about you to a 
    terminating your Credit Card account. If we take such lesser  credit bureau, please call us at  1-800-996-2638  (for 
    action initially, we reserve the right to terminate your Credit  TTY  call 1-800-659-5495).  As required by law, you are 
    Card account and accelerate all amounts due under this  hereby notified that a negative credit report reflecting on 
    Agreement regardless of whether any additional events  your credit history may be submitted to a credit reporting 
    have occurred which would permit termination and  agency if you fail to fulfill the terms of your credit 
    acceleration.                            obligations. 
      15.  Automated Terminal Services        20. Security Interest. We have no security for any 
       a. Automated Terminals. You may use your Card in  amounts which become due under this Agreement, even 
    the following automated terminals:      though any other agreement you may have with us, such as 
         (1) Any Bank of the West automated teller machines.  a mortgage, may provide for such a security interest, unless 
         (2) Any other automated teller machine that is  you have given us a specific security interest in connection 
    participating in a network and accepts our Card (�Network  with this Agreement, which is described on the Supplement 
    ATM�) and                               attached to this Agreement. 
          (3) Any point-of-sale terminal that accepts our Card  21.  Collection. You promise to pay all collection costs, 
    (�POS terminal�).                       including, without limitation, mailgram charges, reasonable 
       b. Services Available at an Automated Terminal  lawyers� fees and court costs, as permitted by law. 
         (1) You may use your Card at a Bank of the West or  22.  If There are More Than One of You. Each of you 
    any Network ATM to:                     individually, or all of you together, will be liable under this 
          (a) Get a Cash Advance from your Credit Card  Agreement. We may collect from or sue any one of you, or 
    account.                                make any settlements or extensions with any one of you, 
          (b) Get your Credit Card account balances. These  without giving up our rights against the other. You 
    balances may not include some transactions recently made  understand that any one of you can make Purchases, get 
    in your Credit Card account. Some of the services  Cash Advances, or perform Balance Transfers under this 
    described in subparagraphs (a) and (b) may not be  Agreement which will be binding upon all of you. 
    available at all Network ATMs.           23.  No Waiver of Rights. If we choose to waive any of 
                                            the terms or conditions of this Agreement on a case-by-
    BW-CCAG (Rev. 12/2017) 
     
      
    case basis, such as by not declaring the entire balance due  already owe under this Agreement.  In either case, the 
    when the minimum monthly payment has not been made on  account will be closed and you will no longer have access to 
    time, it does not mean that we have waived, or given up,  the account. 
    our right to exercise any of our rights or remedies under this  26.  Governing Law. This Agreement will be governed by 
     Agreement in the future. We are not required to use any  the laws of the State of Nebraska, and, as applicable, 
     particular kind of demand or notice in order to collect  federal law, regardless of where the transactions are made. 
     amounts due to us under this Agreement. No indulgence or  27. Monitoring/Recording Telephone Calls.  Our 
     acceptance by us of delinquent or partial payments  supervisory personnel may listen to and record your 
     constitute a waiver of our rights or of any provision of this  telephone calls to us for the purpose of monitoring and 
     Agreement. No waiver of any existing default shall be  improving the quality of service you receive. 
     deemed to waive any subsequent default.  28.  Severability.  All other provisions of this Agreement 
      24. Changing Terms. We can change, add to, delete or  shall remain in full force even if one or more provisions of 
    otherwise modify the terms of this Agreement at any time in  this Agreement are held invalid, illegal, void or 
    any way permitted by law.  We will send you a notice of  unenforceable by any rule or law, administrative order or 
    change at least 45 days (or as required by applicable law)  judicial decision. 
    before the effective date of the change. We do not have to  29.  Our Communications with You 
    send you an advance notice of the change if it favors you,  You agree that we, any of our affiliates, agents, 
    such as by reducing rates, or increasing the maximum  independent contractors or service providers may monitor 
    credit limit.  Except in cases where we are changing terms  and record telephone calls regarding your banking services 
    due to the Minimum Payment Due not being received within  to assure the quality of our service or for other reasons. You 
    60 days of the Payment Due Date, you agree that the  expressly consent that we, any of our affiliates, agents, 
    change may cover all transactions made 15 days after we  independent contractors or service providers may use 
    mail the notice.  If you do not agree to the change, a  written, electronic, or verbal means, or  any other medium, 
    method for rejecting the change and closing the account will  as permitted by law and including, but not limited to, mail 
    be provided in the Change of Terms Notice.   You agree  and facsimile, to contact you. Your consent includes, but is 
    that if you use your card after the effective date of the  not limited to, contact by manual calling methods, 
    change, this will constitute your agreement with the change.   prerecorded or artificial voice messages, text messages, e-
     25. Canceling this Agreement. We have the right to  mails and/or automatic telephone dialing systems. You 
    cancel this Agreement at any time by sending a notice to  agree that we, any of our affiliates, agents, independent 
    any one of you in writing. You also have the same right to  contractors or service providers may contact you by using 
    cancel this Agreement at any time by sending us a notice in  any e-mail or any telephone number you provide, including 
    writing or calling the BankCard Center at 1-800-996-2638  a telephone number for a cellular phone or other wireless 
    (for TTY call 1-800-659-5495). If this Agreement is canceled  device, regardless of whether you incur any charges as a 
    by you or us, your obligation is to repay amounts you  result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  �  The charge in question may remain on your 
    If you think there is an error on your statement, write to us  statement, and we may continue to charge you 
    at:                                          interest on that amount. 
             Bank of the West                  �  While you do not have to pay the amount in 
             BankCard Customer Service Department  question, you are responsible for the remainder of 
             PO Box 2319                         your balance. 
             Omaha, NE 68172-9793              �  We can apply any unpaid amount against your 
       In your letter, give us the following information:  credit limit. 
      �  Account information: Your name and account   
         number.                             After we finish our investigation, one of two things 
      �  Dollar amount: The dollar amount of the suspected  will happen: 
         error.                               
      �  Description of problem: If you think there is an error  �  If we made a mistake: You will not have to pay the 
         on your bill, describe what you believe is wrong and  amount in question or any interest or other fees 
         why you believe it is a mistake.        related to that amount. 
       You must contact us:                    �  If we do not believe there was a mistake: You will 
      �  Within 60 days after the error appeared on your  have to pay the amount in question, along with 
         statement.                              applicable interest and fees.  We will send you a 
      �  At least 3 business days before an automated  statement of the amount you owe and the date 
         payment is scheduled, if you want to stop payment  payment is due.  We may then report you as 
         on the amount you think is wrong.       delinquent if you do not pay the amount we think 
    You must notify us of any potential errors in writing [or  you owe. 
    electronically].  You may call us, but if you do we are not   
    required to investigate any potential errors and you may  If you receive our explanation but still believe your bill is 
    have to pay the amount in question.     wrong, you must write to us within 10 days telling us that 
                                            you still refuse to pay.  If you do so, we cannot report you as 
    What Will Happen After We Receive Your Letter  delinquent without also reporting that you are questioning 
     When we receive your letter, we must do two things:  your bill.  We must tell you the name of anyone to whom we 
     1. Within 30 days of receiving your letter, we must tell you  reported you as delinquent, and we must let those 
    that we received your letter.  We will also tell you if we have  organizations know when the matter has been settled 
    already corrected the error.            between us. 
     2. Within 90 days of receiving your letter, we must either   
    correct the error or explain to you why we believe the bill is  If we do not follow all of the rules above, you do not have 
    correct.  While we investigate whether or not there has  to pay the first $50 of the amount you question even if your 
    been an error:                          bill is correct. 
                                              
       �  We cannot try to collect the amount in question, or  Your Rights If You Are Dissatisfied With Your Credit 
         report you as delinquent on that amount.  Card Purchases 
                                             If you are dissatisfied with the goods or services that you 
                                            have purchased with your credit card and you have tried in 
    BW-CCAG (Rev. 12/2017) 
     
      
    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 fully paid for the purchase. 
     
      If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West  
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services obtained pursuant hereto or with the proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 12/2017) 
     
                                                                          
                                                                                  
                                                                      �
             Interest Rates, Interest Charges, and Fees � Bank of the West World Mastercard  Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months.    
     (APR) for Purchases 
                           
                            After that, your APR will be 13.99 to 23.99%.  This APR will vary with the 
                            market based on the Prime Rate.  
     APR for Balance Transfers  15.99%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.99%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it   None 
     Applies               
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month.  We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
                                                              6
     Minimum Interest Charge  If you are charged interest, the charge will be no less than  $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
     Protection Bureau    http://www.consumerfinance.gov/learnmore/.  
      
     Fees 
                             1
     Annual Fee           $85  
     Transaction Fees      
                           
        ?  Balance Transfer   Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
        ?  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        ?  Foreign Transaction   None 
     Penalty Fees          
                           
        ?  Late Payment   Up to $38 (Varies by State.  See below for details.). 
                           
        ?  Returned Payment   Up to $38 (Varies by State.  See below for details.). 
                           
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).�  See your Credit Card Agreement for more details. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement.   
      
     1 
      The World MasterCard card is subject to an Annual Membership Fee if you do not maintain an open Bank of the West 
     Premier Checking account.  For details, refer to the World MasterCard Credit Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
     six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
     next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within 
     next six billing cycles.  For other states the fee is $27 for the first violation and $38for each subsequent violation within 
     the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Continued on next page.  
                          
                                                                          
                                                                                  
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
     the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
     with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
     fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
     charged (other than certain participation fees for a credit card account). 
      
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
     members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users 
     call 1-800-659-5495). 
      
     Doing business in South Dakota as Bank of the West California. 
      
      
                          
                                                                 CREDIT CARD AGREEMENT  
                                                                                                                                                        (World MasterCard� Card) 
                                             
    By requesting or accepting any World MasterCard account  increased by the amount of the overpayment nor will we be 
    (individually or collectively called �Credit Card account� or  required to authorize transactions for an amount in excess 
    �Account�) with Bank of the West, you agree to be bound by  of your Credit Limit. 
    all the terms of this Agreement. In this Agreement, the  3. Temporary Reduction of Credit Limit.   Merchants, 
    words �you� or �your� mean everyone who has requested or  such as car rental companies and hotels, may request prior 
    accepted a Credit Card account with us. The words �we,�  credit approval from us for an estimated amount of your 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  Purchases, even if you ultimately do not pay by credit. If our 
    accept this Agreement, you must notify us in writing within 5  approval is granted, your available Credit Limit will 
     days after receipt.  Use of your card or any feature  temporarily be reduced by the amount authorized by us. If 
     (including a balance transfer) of your  Credit  Card  you do not ultimately use your Credit Card account to pay 
     Agreement shall constitute acceptance of this Agreement.   for your Purchases or if the actual amount of Purchases 
      1. Use.  Your   World  MasterCard  Card (individually or  posted to your Credit Card account varies from the 
     collectively called �Card�) may be used as a credit card for  estimated amount approved by us, it is the responsibility of 
     purchases of goods or services from participating  the merchant, not us, to cancel the prior credit approval 
     merchants (�Purchases�) or to get Cash Advances from us  based on the estimated amount. The failure of the merchant 
     or any other financial institution displaying the �MasterCard�  to cancel a prior credit approval may result in a temporary 
     logo, or to purchase certain items such as traveler's  reduction of your available Credit Limit, but will not increase 
     cheques, foreign currency, money orders, wire transfers,  the amount you owe us under this Agreement. 
     lottery tickets, and (except as noted below) funds to be used  4. Agreement to Pay. When you use your Card or Credit 
     for wagers or gambling (all of which are collectively referred  Card account, or when you permit anyone to use it, you 
     to as �Cash Advances�) up to your Credit Limit; provided,  agree to pay the amount of any and all  transactions 
     however, you may not use your Card (i) to make Purchases  (including any which may have been made in violation of this 
     or obtain Cash Advances for any illegal transaction, or (ii) for  Agreement), and the INTEREST CHARGES and fees that 
     any internet or online gambling transactions. Transactions  may become due as shown on the periodic statement. You 
     for online or internet gambling will not be approved.  If you  agree that we may change or cancel your Credit Card 
     use your Card for any illegal or prohibited transaction, this  Account at any time without affecting your obligation to pay 
     Agreement also applies to such transaction and you agree  the amounts that you owe under this Agreement.  
     to pay any and all amounts related to such transaction  5. Periodic Statement. Each month we will send you a 
     pursuant to the terms of this Agreement. We may, in our  periodic statement for each Credit Card account you have 
     sole discretion, restrict the use of or terminate your Card if  with us covering the previous billing period. We may not 
     we notice excessive use of your Card or other suspicious  send you a statement if your balance is less than $1 and 
     activities or if we reasonably believe the Card is or has been  there were no transactions during the billing period. The 
     used for one or more illegal or prohibited transactions. You  statement will have a �Statement Period Date�, �Statement 
     can also obtain a Cash Advance by writing a special  Closing Date� and a �Payment Due Date,� and will show, 
     MasterCard check (�Convenience Check�). The Cash  among other things, your �Previous Balance,� your �New 
     Advance will be posted to your Credit Card account when  Balance,� and your minimum monthly payment, which will be 
     the Convenience Check reaches us. If you stop payment on  shown as �Minimum Payment Due.� 
     a Convenience Check, your Credit Card account will be  6. Payment. You must make a payment by the �Payment 
     charged $16.00 (or as permitted by law) for each stop  Due Date.� You have two choices: You may pay the entire 
     payment. We may designate that only a portion of your  �New Balance� or you may pay in installments by paying at 
     Credit Limit is available for Cash Advances.  In addition, you  least the �Minimum Payment Due.� When your payment is 
     may request that we pay other creditors on your behalf and  properly received, we will allocate your payment in a manner 
     transfer approved amounts to your Account (�Balance  we determine except as otherwise required by law.  The 
     Transfers�).                            Minimum Payment is applied first to fees, then to 
      Your Card may also be used in certain automated  INTEREST CHARGES and finally to principal. We apply the 
     terminals to gain access to your Credit Card accounts. We  Minimum Payment to balances with lower APRs, including 
     have no responsibility for the failure of any machine,  introductory APRs, before balances with higher APRs. 
     merchant, financial institution, or any other party to honor  Payments made in excess of the Minimum Payment will be 
     your Card. Your Card and Credit Card account may be used  applied first to balances with the highest  ANNUAL 
     only for valid and lawful purposes. If you use or allow  PERCENTAGE RATE and then to each successive balance 
     someone else to use the Card or Credit Card account for  bearing the next highest ANNUAL PERCENTAGE ATE. 
     any other purpose, you will be responsible for such use and    Payments must be mailed to the BankCard Center 
     may be required to reimburse us for all amounts or  address specified in your periodic statement. Payments 
     expenses we pay as a result of such use.   must reach our BankCard Center during our regular 
      2. Credit Limit. We will notify you of the Credit Limit for  business day in order to be credited on that date.  Payments 
     each Credit Card account you have with us. You agree that  received after the cutoff times of 5:00 p.m. PT are credited 
     your total charges, including Purchases, Cash Advances,  as of the following business day. If you make payment by 
     Balance Transfers, INTEREST CHARGES, and fees that  any means other than mail to our BankCard Center crediting 
     may be due will not exceed your Credit Limit. If you do go  of the payment may be delayed.  If you fail to properly make 
     over your Credit Limit, you must repay the excess amount  payments, crediting such payments may be delayed.  Your 
     immediately, and we may reduce the available Credit Limit  total available credit may not be restored for up to 15 days 
     of any other Credit Card account you have with us until such  after we receive your payment.   
     time the excess amount is repaid. You may apply to  If a payment is returned to us for any reason, we may 
     increase your Credit Limit at any time but we are not  apply a Returned Payment Fee of $27 for the first violation 
     obligated to increase your Credit Limit at any time.  and $38 for each subsequent violation within the next six 
     Furthermore, we reserve the right to lower your Credit Limit  billing cycles. The Returned Payment Fee for Iowa residents 
     at any time. For security reasons, we may limit the number  is $27 for the first violation and $30 for each subsequent 
     or amount of transactions that may be accomplished with  violation within the next six billing cycles.  If the Returned 
     your Card or Credit Card account, and we have the right to  Payment Fee is greater than the Minimum Payment Due, 
     limit authorizations to make transactions if we consider it  the fee will be equal to the Minimum Payment Due. 
     necessary to verify Payments received on your Credit Card    From time to time, we may let you skip or reduce one or 
     account.  If we accept a payment from you in excess of your  more monthly payments during a year and/or we may 
     outstanding balance, your available Credit Limit will not be  temporarily reduce or eliminate certain  INTEREST 
    BW-WCCAG (12/2017) 
     
      
    CHARGES on all or a portion of your Credit Card account  called a �Change Date.� Changes will be based on changes 
    balance or offer you other special terms. If we do, we will  in the �Index.� The Index is the Prime Rate published in the 
     advise you of the scope and duration of the applicable skip  �Money Rates� table of The Wall Street Journal on the 
     or promotional feature. When the skip or promotional  business day immediately preceding the day your billing 
     feature ends, your regular rates and all the terms of the  cycle ends. If the Index is no longer available, we will 
     Agreement will resume.                 choose a new index which is based upon comparable 
                                            information and will give you notice of our choice.   The 
      7. Minimum Payment- Late Payment Fee. At least the 
                                             ANNUAL PERCENTAGE RATE may increase or decrease 
    amount of the �Minimum Payment Due� must be received by 
                                             each month if the  Index changes. Any new rate will be 
    us by the �Payment Due Date.� If it is not, we may apply a 
                                             applied as of the first day of your billing cycle during which 
    Late Payment fee of $27 for the first violation and $38 for 
                                             the  Index has changed. If the ANNUAL PERCENTAGE 
    each subsequent violation within the next six billing cycles.  
                                             RATE increases, you will pay a higher INTEREST 
    The Late Payment fee for Iowa residents is $27 for the first 
                                             CHARGE, which may result in a higher minimum payment. 
    violation and $30 for each subsequent violation within the 
                                                Your interest rate for Purchases (after the Introductory 
    next six billing cycles.  If the Late Payment fee is greater 
                                             Period) and Balance Transfers on your World MasterCard 
    than the Minimum Payment Due, the fee will be equal to the 
                                             account is based on a variable rate equal to the sum of the 
    Minimum Payment Due.  If such charge would result in an 
                                             Index plus a �Rate Spread� of 9.74 to 19.74 percentage 
    INTEREST CHARGE greater than the maximum allowed by 
                                             points, based on your creditworthiness. The interest rate for 
    law, we will only charge the maximum allowable rate.  Your 
                                             Cash Advances on your Account is based on a variable rate 
    Minimum Payment Due will be 3% of the New Balance plus 
                                             equal to the sum of the Index plus a �Rate Spread� of 21.74 
    any Late Payment fee (with a minimum of the lesser of $25 
                                             percentage points.  Immediately before each Change Date 
    or your New Balance) and any amount over your credit limit 
                                             we will determine the new interest rate by adding the Rate 
    and past due amount. 
                                             Spread to the Index.  The new interest rate will become 
     8. How to Avoid Paying Interest on Purchases. There 
                                             effective at the start of your first billing cycle after the 
    may be different treatment of INTEREST CHARGES for 
                                             Change Date. Only one ANNUAL PERCENTAGE RATE 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             and Daily Periodic Rate will be in effect for each Balance 
    though they are computed the same way. You may avoid 
                                             Category during the billing period. The  ANNUAL 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             PERCENTAGE RATE will not exceed the maximum rate 
    the entire New Balance by the Payment Due Date.  If we do 
                                             permitted by law. The effect of any increase in the ANNUAL 
    not receive the entire New Balance by the Payment Due 
                                             PERCENTAGE RATE and the Daily Periodic Rate would be 
    Date, the INTEREST CHARGE will be charged on the 
                                             to increase the amount of INTEREST CHARGE or interest 
    Purchases from the date of the transaction.  INTEREST 
                                             you must pay and thus increase your monthly payments. 
    CHARGES on all other balances, including Cash Advances 
                                              10.  Transaction Fees. You also agree to pay us the 
    and Balance Transfers, begin on the transaction date and 
                                             appropriate fees listed below (as permitted by applicable 
    will be assessed even if your entire New Balance is paid by 
                                             law) which may be amended from time to time by us. You 
    the Payment Due Date. 
                                             authorize us to charge your Credit Card account for the 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             following fees due to us. Balance Transfer fee: 4.00% of 
    INTEREST CHARGE on each Credit Card account by 
                                            each balance transferred, $10 minimum. Cash Advance fee: 
    applying the periodic rate to the �Average Daily Balance� of 
                                            4.00% of each Cash Advance, $10 minimum.  
    each Balance Category on the Credit Card account, 
                                              11.  Foreign Transactions. Transactions that you make 
    including current transactions. Balance Categories include 
                                            in a foreign currency or that you make outside of the United 
    Purchases, Balance Transfers, Cash Advances, 
                                            States of America even if it is made in U.S. dollars are 
    Introductory Rates and any special rate offers we may make 
                                            considered foreign transactions.  If you make a transaction 
    available from time to time.  If you are charged interest, the 
                                            in a foreign currency it will be billed to you in U.S. Dollars. 
    charge will be no less than $1.00 (the minimum interest 
                                            The conversion rate to U.S. Dollars will be determined by 
    charge will appear as �Minimum Charge� in the fees section 
                                            MasterCard International in accordance with their operating 
    of your statement).  
                                            regulations or conversion procedures in effect at the time 
       a. Average Daily Balance. To obtain the daily balance 
                                            the transaction is processed. Currently, their regulations and 
    for each Balance Category we take the beginning balance 
                                            procedures provide that the currency conversion rate they 
    each day and add new transactions applicable to each 
                                            use is either (1) a government-mandated rate or (2) a 
    category, and subtract any payments, credits, and refunds 
                                            wholesale market rate, whichever is applicable, in effect one 
    applied to the category.  To figure your Average Daily 
                                            day prior to the processing date. We do not determine the 
    Balance for each Balance Category, we add all your daily 
                                            currency conversion rate which is used.  You agree to pay 
    balances and divide by the number of days in the billing 
                                            the converted amount in U.S. funds.  
    period. 
                                               12.   Annual Membership Fee.  The  World 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            MasterCard Account is subject to an Annual Membership 
    INTEREST CHARGE for each Balance Category  by 
                                            Fee of $85.00. The Annual Membership Fee will be waived 
    multiplying these Average Daily Balances by the applicable 
                                            for the first year of your Account. After the first year, on an 
    Daily Periodic Rate, and then we multiply the result by the 
                                            annual basis, but in no case later than the first business day 
    number of days in the billing period. To determine the Daily 
                                            of the second month of the quarter preceding the 
    Periodic Rate for each Balance Category, we divide the 
                                            anniversary of the Account�s opening date, the Bank will 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            review the status of your Bank of the West Premier 
    billing period by 365 (366 for leap year). The way we get the 
                                            Checking account to determine whether or not the Annual 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            Membership Fee will be waived.  This waiver will be applied 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            annually so long as you maintain an open Bank of the West 
       c.  Fixed Rate. For the Introductory Period your interest 
                                            Premier Checking account at the time the Bank evaluates 
    rate for Purchases on your Account is equal to 0.00% APR; 
                                            your status.    
    thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                              13. Other Fees. As allowed by law, we may charge, and 
    Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            you agree to pay, fees for certain services or requests made 
    RATES for Balance Transfers or Cash Advances may vary. 
                                            by you, such as but not limited to: Automated Teller Machine 
    Please refer to your Account Opening Disclosures for 
                                            (�ATM�) transactions conducted at machines not operated 
    specific introductory period and ANNUAL PERCENTAGE 
                                            by us, requests for copies of billing statements, sales drafts, 
    RATES associated with your account. 
                                            or other records of your Account, or if you request a 
       d. Variable Rate. The current ANNUAL PERCENTAGE 
                                            replacement card(s).  However, we will not charge fees for 
    RATE for all variable rates is shown on the Account 
                                            copies of documents requested for a billing dispute.  These 
    Opening Disclosure which has been provided to you with 
                                            fees may change from time to time.  We will inform you of 
    this Agreement. The Daily Periodic Rate and the 
                                            the fee(s) that you will incur prior to when the applicable 
    corresponding ANNUAL PERCENTAGE RATE may change 
                                            service(s) is(are) provided or when you make the request(s), 
    each month on the first day of each of your billing cycles. 
                                            as applicable. You authorize us to charge your Credit Card 
    Each date on which the rate of interest could change is 
                                            account for any such fees that you incur. We reserve the 
    BW-WCCAG (12/2017) 
     
      
    right to waive a fee from time to time but a waiver does not  Card is provided by the secret code, which we will provide 
    mean we will continue to waive such fee in the future.  you, and the magnetically encoded stripe on the Card. 
      14. Interest Charges for Covered Members of the  Please keep the Card safe and also protect the secret code. 
    Armed Forces and Their Dependents: Federal law  Use the Card and the secret code as instructed at all times. 
     provides important protections to members of the Armed  Please notify us of any mechanical or operating failure in 
     Forces and their dependents relating to extensions of  connection with the use of your Card. Do not permit anyone 
     consumer credit. In general, the cost of consumer credit to a  else to use your Card and do not disclose your secret code 
     member of the Armed Forces and his or her dependent may  or record it on the Card. The Card remains the property of 
     not exceed an  A of 36%. This rate must include, as  the Bank and can be revoked and repossessed at any time. 
    applicable to the credit transaction or account: the costs  You must return it to us when asked. 
    associated with credit insurance premiums; fees for ancillary  e. Fees for Using Automated Terminal Services. 
    products sold in connection with the credit transaction; any  Fees may be charged for transactions made at automated 
    application fee charged (other than certain application fees  teller machines not operated by us as described in 
    for specified credit transactions or accounts); and any  paragraph 13-Other Fees. 
    participation fee charged (other than certain participation  17. Lost or Stolen Card; Your Liability for 
    fees for a credit card account).        Unauthorized Use. Tell us AT ONCE if you believe your 
       If you are a covered member of the armed forces or a  Card has been lost or stolen. Telephoning is the best way of 
    dependent, you will not be charged annual fees, transaction  keeping your possible losses down. 
    fees, or penalty fees so that your cost may not exceed the  You may be liable for the unauthorized use of your Card 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.   as a credit card. You will not be liable for unauthorized use 
    Armed Forces members and their dependents can hear  of your Card as a credit card which occurs after you notify 
    about the protections provided to them by calling 1-866-761- us at the telephone number or address stated in paragraph 
    2689 (TTY users call 1-800-659-5495).   18, orally or in writing, of loss, theft, or possible unauthorized 
      15.  Default. We may declare the entire balance for all  use. In any case, your liability for unauthorized use of your 
     Credit Card accounts due and payable at once with or  Card as a credit card will not exceed $50.00. 
     without notice or demand if any of these events (a �Default�)  18.  Where to Call or Write. If you believe your Card has 
     happens:                               been lost or stolen or that someone is using your Card or 
       a. If you miss a payment under this Agreement or any  Credit Card account without your permission, call: 1-844-
     other obligation you owe us; or        446-9378 (for TTY call 1-800-659-5495) or write to: PO Box 
       b. If you violate any terms of this Agreement.  2078, Omaha, NE 68103-2078.  
      If you are in Default, we may terminate your Credit Card  19.  Our Business Days. Our business days are Monday 
    account, make no more additional loans, and require you to   through Friday, except for bank holidays. 
    immediately repay the entire unpaid balance of all amounts  20.  Credit Investigation and Disclosure. You authorize 
    due on your Credit Card account, including but not limited to  us, both now and in the future, to check your credit and 
    all loan amounts, late charges and other charges assessed  employment history and to release information about our 
    but not paid, and all of the INTEREST CHARGES accrued  credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your  inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would  have reported inaccurate information about you to a credit 
     continue.                              bureau, please call us at 1-844-446-9378 (for TTY call 1-
      At our option, we may also take action short of terminating  800-659-5495). 
     your Credit Card account. If we take such lesser action  21. Security Interest. We have no security for any 
     initially, we reserve the right to terminate your Credit Card  amounts which become due under this Agreement, even 
     account and accelerate all amounts due under this  though any other agreement you may have with us, such as 
     Agreement regardless of whether any additional events  a mortgage, may provide for such a security interest, unless 
     have occurred which would permit termination and  you have given us a specific security interest in connection 
     acceleration.                          with this Agreement, which is described on the Supplement 
      16.  Automated Terminal Services      attached to this Agreement. 
       a. Automated Terminals. You may use your Card in  22.  Collection. You promise to pay all collection costs, 
     the following automated terminals:     including, without limitation, mailgram charges, reasonable 
          (1) Any Bank of the West automated teller machines.  lawyers� fees and court costs, as permitted by law. 
          (2) Any other automated teller machine that is  23.  If There are More Than One of You. Each of you 
     participating in a network and accepts our Card (�Network  individually, or all of you together, will be liable under this 
     ATM�) and                              Agreement. We may collect from or sue any one of you, or 
          (3) Any point-of-sale terminal that accepts our Card  make any settlements or extensions with any one of you, 
     (�POS terminal�).                      without giving up our rights against the other. You 
       b. Services Available at an Automated Terminal  understand that any one of you can make Purchases, get 
          (1) You may use your Card at a Bank of the West or  Cash Advances, or perform Balance Transfers under this 
     any Network ATM to:                    Agreement which will be binding upon all of you. 
           (a) Get a Cash Advance from your Credit Card  24.  No Waiver of Rights. If we choose to waive any of 
     account.                               the terms or conditions of this Agreement on a case-by-case 
           (b) Get your Credit Card account balances. These  basis, such as by not declaring the entire balance due when 
     balances may not include some transactions recently made  the minimum monthly payment has not been made on time, 
     in your Credit Card account. Some of the services described  it does not mean that we have waived, or given up, our right 
     in subparagraphs (a) and (b) may not be available at all  to exercise any of our rights or remedies under this 
     Network ATMs.                          Agreement in the future. We are not required to use any 
           (c) You may use your Card at a POS terminal to  particular kind of demand or notice in order to collect 
     purchase certain merchandise. The amount of your  amounts due to us under this Agreement. No indulgence or 
     purchase will automatically be charged to your Credit Card  acceptance by us of delinquent or partial payments 
     account as a Purchase.                 constitute a waiver of our rights or of any provision of this 
       c. Limits of Automated Terminal Services  -  Cash  Agreement. No waiver of any existing default shall be 
     Advances. You may get a Cash Advance from a Bank of  deemed to waive any subsequent default. 
     the West Automated Terminal up to an aggregate amount of  25.  Changing Terms.  We can change, add to, delete or 
     $500 each calendar day, provided that this amount does not  otherwise modify the terms of this Agreement at any time in 
     exceed your Credit Limit. This amount may be less for Cash  any way permitted by law. We will send you a notice of 
     Advances from Network ATMs.            change at least 45 days (or as required by applicable law) 
       d. Card and Secret Code  (PIN)  Use. You are  before the effective date of the change. We do not have to 
     responsible for all transactions in which you use your Card  send you an advance notice of the change if it favors you, 
     in an automated terminal, or the use of the Card by anyone  such as by reducing rates, or increasing the maximum credit 
     else who uses it with your permission. Security in use of the  limit.  Except in cases where we are changing terms due to 
                                            the Minimum Payment Due not being received within 60 
    BW-WCCAG (12/2017) 
     
      
    days of the Payment Due Date, you agree that the change  29.  Severability.  All other provisions of this Agreement 
    may cover all transactions made 15 days after we mail the  shall remain in full force even if one or more provisions of 
    notice. If you do not agree to the change, a method for  this Agreement are held invalid, illegal, void  or 
     rejecting the change and closing the account will be  unenforceable by any rule or law, administrative order or 
     provided in the Change of Terms Notice.   You agree that if  judicial decision. 
     you use your card after the effective date of the change, this  30.  Our Communications with You 
     will constitute your agreement with the change.  You agree that we, any of our affiliates, agents, independent 
      26.  Canceling this Agreement.  We have the right to  contractors or service providers may monitor and record 
    cancel this Agreement at any time by sending a notice to  telephone calls regarding your banking services to assure 
    any one of you in writing. You also have the same right to  the quality of our service or for other reasons. You expressly 
    cancel this Agreement at any time by sending us a notice in  consent that we, any of our affiliates, agents, independent 
    writing or calling the BankCard Center at 1-844-446-9378  contractors or service providers may use written, electronic, 
    (for TTY call 1-800-659-5495). If this Agreement is canceled  or verbal means, or  any other medium, as permitted by law 
    by you or us, your obligation is to repay amounts you already  and including, but not limited to, mail and facsimile, to 
    owe under this Agreement.  In either case, the account will  contact you. Your consent includes, but is not limited to, 
    be closed and you will no longer have access to the  contact by manual calling methods, prerecorded or artificial 
    account.                                voice messages, text messages, e-mails and/or automatic 
     27.  Governing Law. This Agreement will be governed by  telephone dialing systems. You agree that we, any of our 
    the laws of the State of Nebraska, and, as applicable,  affiliates, agents, independent contractors or service 
    federal law, regardless of where the transactions are made.  providers may contact you by using any e-mail or any 
     28. Monitoring/Recording Telephone Calls.  Our  telephone number you provide, including a telephone 
    supervisory personnel may listen to and record your  number for a cellular phone or other wireless device, 
    telephone calls to us for the purpose of monitoring and  regardless of whether you incur any charges as a result.   
    improving the quality of service you receive.   
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                under the Fair Credit Billing Act. 
                                            
    What To Do If You Find a Mistake on Your Statement  �  If we made a mistake: You will not have to pay the 
    If you think there is an error on your statement, write to us  amount in question or any interest or other fees 
    at:                                          related to that amount. 
       Bank of the West                        �  If we do not believe there was a mistake: You will 
       BankCard Customer Service Department      have to pay the amount in question, along with 
       PO Box 2319                               applicable interest and fees.  We will send you a 
       Omaha, NE 68172-9793                      statement of the amount you owe and the date 
    In your letter, give us the following information:  payment is due.  We may then report you as 
      �  Account information: Your name and account  delinquent if you do not pay the amount we think 
         number.                                 you owe. 
      �  Dollar amount: The dollar amount of the suspected  If you receive our explanation but still believe your bill is 
         error.                             wrong, you must write to us within 10 days telling us that you 
      �  Description of problem: If you think there is an error  still refuse to pay.  If you do so, we cannot report you as 
         on your bill, describe what you believe is wrong and  delinquent without also reporting that you are questioning 
         why you believe it is a mistake.   your bill.  We must tell you the name of anyone to whom we 
    You must contact us:                    reported you as delinquent, and we must let those 
      �  Within 60 days after the error appeared on your  organizations know when the matter has been settled 
         statement.                         between us. 
      �  At least 3 business days before an automated  If we do not follow all of the rules above, you do not have to 
         payment is scheduled, if you want to stop payment  pay the first $50 of the amount you question even if your bill 
         on the amount you think is wrong.  is correct. 
    You must notify us of any potential errors in writing.  You   
    may call us, but if you do we are not required to investigate  Your Rights If You Are Dissatisfied With Your Credit 
    any potential errors and you may have to pay the amount in  Card Purchases 
    question.                                If you are dissatisfied with the goods or services that you 
                                            have purchased with your credit card and you have tried in 
    What Will Happen After We Receive Your Letter  good faith to correct the problem with the merchant, you 
    When we receive your letter, we must do two things:  may have the right not to pay the remaining amount due on 
    1.  Within 30 days of receiving your letter, we must tell you  the purchase. 
                                               
       that we received your letter.  We will also tell you if we 
                                            To use this right, all of the following must be true: 
       have already corrected the error. 
                                            1.  The purchase must have been made in your home state 
    2.  Within 90 days of receiving your letter, we must either 
                                               or within 100 miles of your current mailing address, and 
       correct the error or explain to you why we believe the bill 
                                               the purchase price must have been more than $50.  
       is correct.  While we investigate whether or not there 
                                               (Note: Neither of these are necessary if your purchase 
       has been an error: 
                                               was based on an advertisement we mailed to you, or if 
       �  We cannot try to collect the amount in question, or 
                                               we own the company that sold you the goods or 
         report you as delinquent on that amount. 
                                               services.) 
       �  The charge in question may remain on your 
                                             2.  You must have used your credit card for the purchase.  
         statement, and we may continue to charge you 
                                               Purchases made with cash advances from an ATM or 
         interest on that amount. 
                                               with a check that accesses your credit card account do 
       �  While you do not have to pay the amount in 
                                               not qualify. 
         question, you are responsible for the remainder of 
                                            3.  You must not yet have fully paid for the purchase. 
         your balance. 
                                             
       �  We can apply any unpaid amount against your 
                                              If all of the criteria above are met and you are still 
         credit limit. 
                                            dissatisfied with the purchase, contact us in writing at: 
    After we finish our investigation, one of two things will 
                                               Bank of the West 
    happen: 
                                               BankCard Customer Service Department 
                                               PO Box 2319  
                                               Omaha, NE 68172-9793 
    BW-WCCAG (12/2017) 
     
      
    While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services obtained pursuant hereto or with the proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
      
    BW-WCCAG (12/2017) 
     
                                                                          
      
                   Interest Rates, Interest Charges, and Fees � Bank of the West Wealth 
                                       Management 
                                                � 
                              World Elite� Mastercard Credit Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months.    
     (APR) for Purchases 
                           
                              After that, your APR will be 8.15%.  This APR will vary with the market based on  
                          the Prime Rate.  
     APR for Balance Transfers  8.15%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.99%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies               
                           
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month.  We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
                                                              6
     Minimum Interest Charge  If you are charged interest, the charge will be no less than  $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/.  
      
     Fees 
                              1
     Annual Fee           $295    
     Transaction Fees      
                           
        �  Balance Transfer   Either $10or 4% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction   None 
     Penalty Fees          
                           
        �  Late Payment   Up to $38 (Varies by State. See next page for details) 
                           
        �  Returned Payment   Up to $38 (Varies by State. See next page for details) 
                           
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).� See your Credit Card Agreement for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement. 
      
     1
       The Wealth Management World Elite MasterCard Credit Card is subject to an Annual Membership Fee if you do not 
     maintain Eligible Qualified Balances of $250,000 or more. For details, refer to the Wealth Management World Elite 
     MasterCard Credit Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
     six billing cycles. For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
     next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Continued on next page 
                                                                          
      
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation withing 
      next six billing cycles. For other states the fee is $27 for the first violation and $38 for each subsequent violation within 
     the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
     the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
     with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
     fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
     charged (other than certain participation fees for a credit card account). 
      
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
     members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users 
     call 1-800-659-5495). 
      
     Doing business in South Dakota as Bank of the West California. 
      
      
                                  
                                                   CREDIT CARD AGREEMENT  
                                                                  TM      �
                                                (Wealth Management World Elite  MasterCard  Credit Card) 
                                             
    The terms of the Bank of the West Wealth Management  or amount of transactions that may be accomplished with 
    World Elite MasterCard Credit Card are available to the  your Card or Credit Card account, and we have the right to 
    Bank�s Wealth Management clients.        limit authorizations to make transactions if we consider it 
                                             necessary to verify Payments received on your Credit Card 
    By requesting or accepting any Wealth Management World  account.  If we accept a payment from you in excess of your 
     Elite MasterCard Credit Card account (individually or  outstanding balance, your available Credit Limit will not be 
     collectively called �Credit Card account� or �Account�) with  increased by the amount of the overpayment nor will we be 
     Bank of the West, you agree to be bound by all the terms of  required to authorize transactions for an amount in excess 
     this Agreement. In this Agreement, the words �you� or �your�  of your Credit Limit. 
     mean everyone who has requested or accepted a Credit  3. Temporary Reduction of Credit Limit.   Some 
     Card account with us. The words �we,� �us,� �our,� or �Bank�  merchants (for example, car rental companies and hotels) 
     mean Bank of the West.  If you do not accept this  may request prior credit approval from us for an estimated 
    Agreement, you must notify us in writing within 5 days after  amount of your Purchases, even if you ultimately do not pay 
    receipt.  Use of your card or any feature (including a balance  by credit. If our approval is granted, your available Credit 
    transfer) of your  Credit Card Agreement shall constitute  Limit will temporarily be reduced by the amount authorized 
     acceptance of this Agreement.           by us. If you do not ultimately use your Credit Card account 
      1. Use. Your Wealth Management World Elite MasterCard  to pay for your Purchases or if the actual amount of 
     Credit Card (individually or collectively called �Card�) may be  Purchases posted to your Credit Card account varies from 
     used as a credit card for purchases of goods or services  the estimated amount approved by us, it is the responsibility 
     from participating merchants (�Purchases�) or to get Cash  of the merchant, not us, to cancel the prior credit approval 
     Advances from us or any other financial institution displaying  based on the estimated amount. The failure of the merchant 
     the �MasterCard� logo, or to purchase certain items such as  to cancel a prior credit approval may result in a temporary 
    traveler's cheques, foreign currency, money orders, wire  reduction of your available Credit Limit, but will not increase 
    transfers, lottery tickets, and (except as noted below) funds  the amount you owe us under this Agreement. 
    to be used for wagers or gambling (all of which are  4. Agreement to Pay. When you use your Card or Credit 
    collectively referred to as �Cash Advances�) up to your  Card account, or when you permit anyone to use it, you 
    Credit Limit; provided, however, you may not use your Card  agree to pay the amount of any and all  transactions 
    (i) to make Purchases or obtain Cash Advances for any  (including any which may have been made in violation of this 
    illegal transaction, or (ii) for any internet or online gambling  Agreement), and the INTEREST CHARGES and fees that 
    transactions. Transactions for online or internet gambling  may become due as shown on the periodic statement. You 
    will not be approved.  If you use your Card for any illegal or  agree that we may change or cancel your Credit Card 
    prohibited transaction, this Agreement also applies to such  Account at any time without affecting your obligation to pay 
    transaction and you agree to pay any and all amounts  the amounts that you owe under this Agreement.  
    related to such transaction pursuant to the terms of this  5. Periodic Statement. Each month we will send you a 
    Agreement. We may, in our sole discretion, restrict the use  periodic statement for each Credit Card account you have 
    of or terminate your Card if we notice excessive use of your  with us covering the previous billing period. We may not 
    Card or other suspicious activities or if we reasonably  send you a statement if your balance is less than $1 and 
    believe the Card is or has been used for one or more illegal  there were no transactions during the billing period. The 
    or prohibited transactions. You can also obtain a Cash  statement will have a �Statement Period Date�, �Statement 
    Advance by writing a special MasterCard check  Closing Date� and a �Payment Due Date,� and will show, 
    (�Convenience Check�). The Cash Advance will be posted  among other things, your �Previous Balance,� your �New 
    to your Credit Card account when the Convenience Check  Balance,� and your minimum monthly payment, which will be 
    reaches us. If you stop payment on a Convenience Check,  shown as �Minimum Payment Due.� 
    your Credit Card account will be charged $16.00 (or as  6. Payment. You must make a payment by the �Payment 
    permitted by law) for each stop payment. We may designate  Due Date.� You have two choices: You may pay the entire 
    that only a portion of your Credit Limit is available for Cash  �New Balance� or you may pay in installments by paying at 
    Advances.  In addition, you may request that we pay other  least the �Minimum Payment Due.� When your payment is 
    creditors on your behalf and transfer approved amounts to  properly received, we will allocate your payment in a manner 
    your Account (�Balance Transfers�).     we determine except as otherwise required by law.  The 
     Your Card may also be used in certain automated  Minimum Payment is applied first to fees, then to 
    terminals to gain access to your Credit Card accounts. We  INTEREST CHARGES and finally to principal. We apply the 
    have no responsibility for the failure of any machine,  Minimum Payment to balances with lower APRs, including 
    merchant, financial institution, or any other party to honor  introductory APRs, before balances with higher APRs. 
    your Card. Your Card and Credit Card account may be used  Payments made in excess of the Minimum Payment will be 
    only for valid and lawful purposes. If you use or allow  applied first to balances with the highest Annual Percentage 
    someone else to use the Card or Credit Card account for  Rate and then to each successive balance bearing the next 
    any other purpose, you will be responsible for such use and  highest Annual Percentage Rate. 
    may be required to reimburse us for all amounts or    Payments must be mailed to the BankCard Center 
    expenses we pay as a result of such use.   address specified in your periodic statement. Payments 
     2. Credit Limit. We will notify you of the Credit Limit for  must reach our BankCard Center during our regular 
    each Credit Card account you have with us. You agree that  business day in order to be credited on that date.  Payments 
    your total charges, including Purchases, Cash Advances,  received after the cutoff times of 5:00 p.m. PT are credited 
    Balance Transfers, INTEREST CHARGES, and fees that  as of the following business day. If you make payment by 
    may be due will not exceed your Credit Limit. If you do go  any means other than mail to our BankCard Center crediting 
    over your Credit Limit, you must repay the excess amount  of the payment may be delayed.  If you fail to properly make 
    immediately, and we may reduce the available Credit Limit  payments, crediting such payments may be delayed.  Your 
    of any other Credit Card account you have with us until such  total available credit may not be restored for up to 15 days 
    time the excess amount is repaid.   You may apply to  after we receive your payment.   
    increase your Credit Limit at any time but we are not  If a payment is returned to us for any reason, we may 
    obligated to increase your Credit Limit at any time.  apply a Returned Payment Fee of $27 for the first violation 
    Furthermore, we reserve the right to lower your Credit Limit  and $38 for each subsequent violation within the next six 
    at any time. For security reasons, we may limit the number  billing cycles. The Returned Payment Fee for Iowa residents 
          
    BW-WECCAG (Rev. 12/2017) 
      
    is $27 for the first violation and $30 for the subsequent  d. Variable Rate. The current Annual Percentage Rate 
    violation within the next six billing cycles.  If the Returned  for all variable rates  is shown on the Account Opening 
    Payment Fee is greater than the Minimum Payment Due,  Disclosure which has been provided to you with this 
    the fee will be equal to the Minimum Payment Due.  Agreement. The Daily Periodic Rate and the corresponding 
        From time to time, we may let you skip or reduce one or  Annual Percentage Rate may change each month on the 
    more monthly payments during a year and/or we may  first day of each of your billing cycles. Each date on which 
    temporarily reduce or eliminate certain  INTEREST  the rate of interest could change is called a �Change Date.� 
    CHARGES on all or a portion of your Credit Card account  Changes will be based on changes in the �Index.� The Index 
    balance or offer you other special terms. If we do, we will  is the Prime Rate published in the �Money Rates� table of 
    advise you of the scope and duration of the applicable skip  The Wall Street Journal on the business day immediately 
    or promotional feature. When the skip or promotional  preceding the day your billing cycle ends. If the Index is no 
    feature ends, your regular rates and all the terms of the  longer available, we will choose a new index which is based 
    Agreement will resume.                  upon comparable information and will give you notice of our 
      7. Minimum Payment- Late Payment Fee. At least the  choice.  The ANNUAL PERCENTAGE RATE may increase 
                                            or decrease each month if the Index changes. Any new rate 
    amount of the �Minimum Payment Due� must be received by 
                                            will be applied as of the first day of your billing cycle during 
     us by the �Payment Due Date.� If it is not, we may apply a 
                                            which the  Index has changed. If the  ANNUAL 
     Late Payment fee of $27 for the first violation and $38 for 
                                            PERCENTAGE RATE increases, you will pay a higher 
     each subsequent violation within the next six billing cycles.  
                                            INTEREST CHARGE, which  may result in a higher 
     The Late Payment fee for Iowa residents is $27 for the first 
                                             minimum payment.  
    violation and $30 for the subsequent violation within the next 
                                               Your interest rate for Purchases (after the Introductory 
    six billing cycles.  If the Late Payment fee is greater than the 
                                             Period) and Balance Transfers on your Wealth Management 
    Minimum Payment Due, the fee will be equal to the 
                                             World Elite MasterCard Account is based on a variable rate 
    Minimum Payment Due.  If such charge would result in an 
    INTEREST CHARGE greater than the maximum allowed by  equal to the sum of the Index plus a �Rate Spread� of 3.90 
    law, we will only charge the maximum allowable rate.  Your  percentage points. The interest rate for Cash Advances on 
    Minimum Payment Due will be 3% of the New Balance plus  your Account is based on a variable rate equal to the sum of 
    any Late Payment fee (with a minimum of the lesser of $25  the Index plus a �Rate Spread� of 21.74 percentage points.  
    or your New Balance) and any amount over your credit limit  Immediately before each Change Date we will determine the 
    and past due amount.                    new interest rate by adding the Rate Spread to the Index.  
                                            The new interest rate will become effective at the start of 
     8. How to Avoid Paying Interest on Purchases. There 
                                            your first billing cycle after the Change Date. Only one 
    may be different treatment of INTEREST CHARGES for 
                                            Annual Percentage Rate and Daily Periodic Rate will be in 
    Purchases, Balance Transfers, and Cash Advances, even 
                                            effect for each Balance Category during the billing period. 
    though they are computed the same way. You may avoid 
                                            The Annual Percentage Rate will not exceed the maximum 
    paying an INTEREST CHARGE on Purchases if we receive 
                                            rate permitted by law. The effect of any increase in the 
    the entire New Balance by the Payment Due Date.  If we do 
                                            Annual Percentage Rate and the Daily Periodic Rate would 
    not receive the entire New Balance by the Payment Due 
                                            be to increase the amount of INTEREST CHARGE  or 
    Date, the INTEREST CHARGE will be charged on the 
                                            interest you must pay and thus increase your monthly 
    Purchases from the date of the transaction.  INTEREST 
                                            payments. 
    CHARGES on all other balances, including Cash Advances 
                                              10.  Transaction Fees. You also agree to pay us the 
    and Balance Transfers, begin on the transaction date and 
                                            appropriate fees listed below (as permitted by applicable 
    will be assessed even if your entire New Balance is paid by 
                                            law) which may be amended from time to time by us. You 
    the Payment Due Date. 
                                            authorize us to charge your Credit Card account for the 
     9. Computing Your INTEREST CHARGE. We figure the 
                                            following fees due to us. Balance Transfer fee:4.00% of 
    INTEREST CHARGE on each Credit Card account by 
                                            each balance transferred, $10 minimum. Cash Advance fee: 
    applying the periodic rate to the �Average Daily Balance� of 
                                            4.00% of each Cash Advance, $10 minimum.  
    each Balance Category on the Credit Card account, 
                                              11.  Foreign Transactions. Transactions that you make 
    including current transactions. Balance Categories include 
                                            in a foreign currency or that you make outside of the United 
    Purchases, Balance Transfers, Cash Advances, 
                                            States of America even if it is made in U.S. dollars are 
    Introductory Rates and any special rate offers we may make 
                                            considered foreign transactions.  If you make a transaction 
    available from time to time.  If you are charged interest, the 
                                            in a foreign currency it will be billed to you in U.S. Dollars. 
    charge will be no less than $1.00 (the minimum interest 
                                            The conversion rate to U.S. Dollars will be determined by 
    charge will appear as �Minimum Charge� in the fees section 
                                            MasterCard International in accordance with their operating 
    of your statement).  
                                            regulations or conversion procedures in effect at the time 
       a. Average Daily Balance. To obtain the daily balance 
                                            the transaction is processed. Currently, their regulations and 
    for each Balance Category we take the beginning balance 
                                            procedures provide that the currency conversion rate they 
    each day and add new transactions applicable to each 
                                            use is either (1) a government-mandated rate or (2)  a 
    category, and subtract any payments, credits, and refunds 
                                            wholesale market rate, whichever is applicable, in effect one 
    applied to the category.  To figure your Average Daily 
                                            day prior to the processing date. We do not determine the 
    Balance for each Balance Category, we add all your daily 
                                            currency conversion rate which is used.  You agree to pay 
    balances and divide by the number of days in the billing 
                                            the converted amount in U.S. funds.  
    period. 
                                              12. Annual Membership Fee. The Wealth Management 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            World Elite MasterCard Credit Card is subject to an Annual 
    INTEREST CHARGE for each Balance Category  by 
                                            Membership Fee of $295. The Annual Membership Fee will 
    multiplying these Average Daily Balances by the applicable 
                                            be assessed in the first billing cycle after Account opening 
    Daily Periodic Rate, and then we multiply the result by the 
                                            and annually thereafter. A credit in the amount of the Annual 
    number of days in the billing period. To determine the Daily 
                                            Membership Fee (the �AMF Credit�) for the first year will 
    Periodic Rate for each Balance Category, we divide the 
                                            appear on your first billing statement. No later than the first 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            business day of the last month of the quarter preceding the 
    billing period by 365 (366 for leap year). The way we get the 
                                            annual anniversary of the Account�s opening date (Annual 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            Fee Determination Date), the Bank will determine whether 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            or not to apply the AMF Credit by evaluating your month-end 
       c. Fixed Rate. For the Introductory Period your interest 
                                            Eligible Qualified Balances for the prior 3 consecutive 
    rate for Purchases on your Account is equal to 0.00% APR; 
                                            months selected by the Bank. The AMF Credit will be 
    thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                            applied if you maintain month-end Eligible Qualified 
    Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            Balances of $250,000 or more, as calculated by the Bank, in 
    RATES for Balance Transfers or Cash Advances may vary. 
                                            any one of the prior 3 consecutive months used to evaluate 
    Please refer to your Account Opening Disclosures for 
                                            eligibility.  If you do not qualify for the AMF Credit, within 90 
    specific introductory period and ANNUAL PERCENTAGE 
                                            days of the fee being charged, you can increase your 
    RATES associated with your account. 
          
    BW-WECCAG (Rev. 12/2017) 
      
    Eligible Qualified Balances or close your Account and    (1) Any Bank of the West automated teller machines. 
     request to have the AMF Credit applied retroactively.     (2) Any other automated teller machine that is 
      The term �Eligible Qualified Balances� used in this  participating in a network and accepts our Card (�Network 
     Agreement means and shall include (i) deposits and  ATM�) and 
     investments maintained with the Bank, including those    (3) Any point-of-sale terminal that accepts our Card 
     maintained with the Bank�s Investment Management or  (�POS terminal�). 
     Trust Services departments, and (ii) investment balances  b. Services Available at an Automated Terminal 
     with the Bank�s affiliate, BancWest Investment Services,    (1) You may use your Card at a Bank of the West or 
     Inc. Eligible Qualified Balances may be owned by you  any Network ATM to: 
     directly, or held in any trust controlled by you as settlor and     (a) Get a Cash Advance from your Credit Card 
     trustee. Deposits or investments held by business entities  account. 
     that are wholly-owned and controlled by you may also be     (b) Get your Credit Card account balances. These 
     included. Eligible Qualified Balances do not include any  balances may not include some transactions recently made 
     account prohibited by law or which the inclusion of may  in your Credit Card account. Some of the services described 
     result in a breach of any fiduciary duty, law or regulation,  in subparagraphs (a) and (b) may not be available at all 
     including the Employee Retirement Income Security Act of  Network ATMs. 
     1974 (�ERISA�).                               (c) You may use your Card at a POS terminal to 
                                             purchase certain merchandise. The amount of your 
      13. Other Fees. As allowed by law, we may charge, and 
                                             purchase will automatically be charged to your Credit Card 
    you agree to pay, fees for certain services or requests made 
                                             account as a Purchase. 
    by you, such as but not limited to: Automated Teller Machine 
                                               c. Limits of Automated Terminal Services  -  Cash 
    (�ATM�) transactions conducted at machines not operated 
                                             Advances. You may get a Cash Advance from a Bank of 
    by us, requests for copies of billing statements, sales drafts, 
                                             the West Automated Terminal up to an aggregate amount of 
    or other records of your Account, or if you request a 
                                             $1,000 each calendar day, provided that this amount does 
    replacement card(s).  However, we will not charge fees for 
                                             not exceed your Credit Limit. This amount may be less for 
    copies of documents requested for a billing dispute.  These 
                                             Cash Advances from Network ATMs. 
    fees may change from time to time.  We will inform you of 
    the fee(s) that you will incur prior to when the applicable  d. Card and Secret Code  (PIN)  Use. You are 
    service(s) is(are) provided or when you make the request(s),  responsible for all transactions in which you use your Card 
    as applicable. You authorize us to charge your Credit Card  in an automated terminal, or the use of the Card by anyone 
    account for any such fees that you incur. We reserve the  else who uses it with your permission. Security in use of the 
    right to waive a fee from time to time but a waiver does not  Card is provided by the secret code, which we will provide 
    mean we will continue to waive such fee in the future.  you, and the magnetically encoded stripe on the Card. You 
     14. Interest Charges for Covered Members of the  are responsible for  keeping the Card safe and also  for 
                                             protecting the secret code. Use the Card and the secret 
    Armed Forces and Their Dependents: Federal law 
                                             code only as instructed at all times. Please notify us of any 
    provides important protections to members of the Armed 
                                             mechanical or operating failure in connection with the use of 
    Forces and their dependents relating to extensions of 
                                             your Card. Do not permit anyone else to use your Card and 
    consumer credit. In general, the cost of consumer credit to a 
                                             do not disclose your secret code or record it on the Card. 
    member of the Armed Forces and his or her dependent may 
                                             The Card remains the property of the Bank and can be 
    not exceed an annual percentage rate of 36%. This rate 
                                             revoked and repossessed at any time. You must return it to 
    must include, as applicable to the credit transaction or 
                                             us when asked. 
    account: the costs associated with credit insurance 
                                               e. Fees for Using Automated Terminal Services. 
    premiums; fees for ancillary products sold in connection with 
                                             Fees may be charged for transactions made at automated 
    the credit transaction; any application fee charged (other 
                                             teller machines not operated by us as described in 
    than certain application fees for specified credit transactions 
                                             paragraph 13-Other Fees. 
    or accounts); and any participation fee charged (other than 
    certain participation fees for a credit card account).  17. Lost or Stolen Card; Your Liability for 
       If you are a covered member of the armed forces or a  Unauthorized Use. Tell us AT ONCE if you believe your 
    dependent, you will not be charged annual fees, transaction  Card has been lost or stolen. Telephoning is the best way of 
    fees, or penalty fees so that your cost may not exceed the  keeping your possible losses down. 
    Military Lending Act annual percentage rate cap.   Armed  You may be liable for the unauthorized use of your Card 
     Forces members and their dependents can hear about the  as a credit card. You will not be liable for unauthorized use 
     protections provided to them by calling 1-866-761-2689  of your Card as a credit card which occurs after you notify 
     (TTY users call 1-800-659-5495).       us at the telephone number or address stated in paragraph 
                                            18 orally or in writing, of loss, theft, or possible unauthorized 
      15.  Default. We may declare the entire balance for all 
                                            use. In any case, your liability for unauthorized use of your 
     Credit Card accounts due and payable at once with or 
                                            Card as a credit card will not exceed $50.00. 
     without notice or demand if any of these events (a �Default�) 
                                             18.  Where to Call or Write. If you believe your Card has 
     happens: 
                                            been lost or stolen or that someone is using your Card or 
       a. If you miss a payment under this Agreement or any 
                                            Credit Card account without your permission, call: 1-866-
     other obligation you owe us; or 
                                            218-4959 (for TTY all 1-800-659-5495) or write to: Bank of 
       b. If you violate any terms of this Agreement. 
                                            the West, BankCard Security Department, PO Box 2078, 
      If you are in Default, we may terminate your Credit Card 
                                            Omaha, NE 68103-2078.  
     account, make no more additional loans, and require you to  
                                              19.  Our Business Days. Our business days are Monday 
     immediately repay the entire unpaid balance of all amounts 
                                            through Friday, except for bank holidays. 
     due on your Credit Card account, including but not limited to 
                                             20.  Credit Investigation and Disclosure. You authorize 
     all loan amounts, late charges and other charges assessed 
                                            us, both now and in the future, to check your credit and 
     but not paid, and all of the INTEREST CHARGES accrued 
                                            employment history and to release information about our 
     but not paid. If we terminate your Credit Card account, your 
                                            credit experience with you in response to legitimate credit 
     obligation to repay the amounts you already owe us would 
                                            inquiries. If you believe that we have incorrect information or 
     continue.  
                                            have reported inaccurate information about you to a credit 
      At our option, we may also take action short of terminating 
                                            bureau, please call us at 1-866-218-4959 (for TTY call 1-
     your Credit Card account. If we take such lesser action 
                                            800-659-5495). 
     initially, we reserve the right to terminate your Credit Card 
                                              21. Security Interest. We have no security for any 
     account and accelerate all amounts due under this 
                                            amounts which become due under this Agreement, even 
     Agreement regardless of whether any additional events 
                                            though any other agreement you may have with us, such as 
     have occurred which would permit termination and 
                                            a mortgage, may provide for such a security interest, unless 
     acceleration.  
                                            you have given us a specific security interest in connection 
      16.  Automated Terminal Services 
                                            with this Agreement, which is described on the Supplement 
       a. Automated Terminals. You may use your Card in 
                                            attached to this Agreement. 
     the following automated terminals: 
          
    BW-WECCAG (Rev. 12/2017) 
      
     22.  Collection. You promise to pay all collection costs,  writing or calling the BankCard Center at 1-866-218-4959 
    including, without limitation, mailgram charges, reasonable  (for TTY call 1-800-659-5495). If this Agreement is canceled 
    lawyers� fees and court costs, as permitted by law.  by you or us, your obligation is to repay amounts you already 
     23.  If There are More Than One of You. Each of you  owe under this Agreement.  In either case, the account will 
    individually, or all of you together, will be liable under this  be closed and you will no longer have access to the 
    Agreement. We may collect from or sue any one of you, or  account. 
    make any settlements or extensions with any one of you,  27.  Governing Law. This Agreement will be governed by 
    without giving up our rights against the other. You  the laws of the State of Nebraska, and, as applicable, 
    understand that any one of you can make Purchases, get  federal law, regardless of where the transactions are made. 
    Cash Advances, or perform Balance Transfers under this  28. Monitoring/Recording Telephone Calls.  Our 
    Agreement which will be binding upon all of you.  supervisory personnel may listen to and record your 
     24.  No Waiver of Rights. If we choose to waive any of  telephone calls to us for the purpose of monitoring and 
    the terms or conditions of this Agreement on a case-by-case  improving the quality of service you receive. 
    basis, such as by not declaring the entire balance due when  29.  Severability.  All other provisions of this Agreement 
    the minimum monthly payment has not been made on time,  shall remain in full force even if one or more provisions of 
    it does not mean that we have waived, or given up, our right  this Agreement are held invalid, illegal, void or 
    to exercise any of our rights or remedies under this  unenforceable by any rule or law, administrative order or 
    Agreement in the future. We are not required to use any  judicial decision. 
    particular kind of demand or notice in order to collect   30. Our Communications with You 
    amounts due to us under this Agreement. No indulgence or  You agree that we, any of our affiliates, agents, 
    acceptance by us of delinquent or partial payments  independent contractors or service providers may monitor 
    constitute a waiver of our rights or of any provision of this  and record telephone calls regarding your banking services 
    Agreement. No waiver of any existing default shall be  to assure the quality of our service or for other reasons. You 
    deemed to waive any subsequent default.  expressly consent that we, any of our affiliates, agents, 
     25.  Changing Terms.  We can change, add to, delete or  independent contractors or service providers may use 
    otherwise modify the terms of this Agreement at any time in  written, electronic, or verbal means, or  any other medium, 
    any way permitted by law. We will send you a notice of  as permitted by law and including, but not limited to, mail 
    change at least 45 days (or as required by applicable law)  and facsimile, to contact you. Your consent includes, but is 
    before the effective date of the change. We do not have to  not limited to, contact by manual calling methods, 
    send you an advance notice of the change if it favors you,  prerecorded or artificial voice messages, text messages, e-
    such as by reducing rates, or increasing the maximum credit  mails and/or automatic telephone dialing systems. You 
    limit.  Except in cases where we are changing terms due to  agree that we, any of our affiliates, agents, independent 
    the Minimum Payment Due not being received within 60  contractors or service providers may contact you by using 
    days of the Payment Due Date, you agree that the change  any e-mail or any telephone number you provide, including a 
    may cover all transactions made 15 days after we mail the  telephone number for a cellular phone or other wireless 
    notice. If you do not agree to the change, a method for  device, regardless of whether you incur any charges as a 
    rejecting the change and closing the account will be  result.   
    provided in the Change of Terms Notice.   You agree that if   
    you use your card after the effective date of the change, this   
    will constitute your agreement with the change. 
     26.  Canceling this Agreement.  We have the right to 
    cancel this Agreement at any time by sending a notice to 
    any one of you in writing. You also have the same right to 
    cancel this Agreement at any time by sending us a notice in 
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                 under the Fair Credit Billing Act 
                                           .
    What To Do If You Find a Mistake on Your Statement  1.  Within 30 days of receiving your letter, we must tell you 
    If you think there is an error on your statement, write to us  that we received your letter.  We will also tell you if we 
    at:                                        have already corrected the error. 
       Bank of the West                     2.  Within 90 days of receiving your letter, we must either 
       BankCard Customer Service Department    correct the error or explain to you why we believe the bill 
       PO Box 2319                             is correct.  While we investigate whether or not there 
       Omaha, NE 68172-9793                    has been an error: 
    In your letter, give us the following information:  �  We cannot try to collect the amount in question, or 
      �  Account information: Your name and account  report you as delinquent on that amount. 
         number.                               �  The charge in question may remain on your 
      �  Dollar amount: The dollar amount of the suspected  statement, and we may continue to charge you 
         error.                                  interest on that amount. 
      �  Description of problem: If you think there is an error  �  While you do not have to pay the amount in 
         on your bill, describe what you believe is wrong and  question, you are responsible for the remainder of 
         why you believe it is a mistake.        your balance. 
    You must contact us:                       �  We can apply any unpaid amount against your 
      �  Within 60 days after the error appeared on your  credit limit. 
         statement.                         After we finish our investigation, one of two things will 
      �  At least 3 business days before an automated  happen: 
         payment is scheduled, if you want to stop payment  �  If we made a mistake: You will not have to pay the 
         on the amount you think is wrong.       amount in question or any interest or other fees 
    You must notify us of any potential errors in writing.  You  related to that amount. 
    may call us, but if you do we are not required to investigate  �  If we do not believe there was a mistake: You will 
    any potential errors and you may have to pay the amount in  have to pay the amount in question, along with 
    question.                                    applicable interest and fees.  We will send you a 
                                                 statement of the amount you owe and the date 
    What Will Happen After We Receive Your Letter  payment is due.  We may then report you as 
    When we receive your letter, we must do two things:  delinquent if you do not pay the amount we think 
                                                 you owe. 
          
    BW-WECCAG (Rev. 12/2017) 
      
     If you receive our explanation but still believe your bill is 
    wrong, you must write to us within 10 days telling us that you 
    still refuse to pay.  If you do so, we cannot report you as 
    delinquent without also reporting that you are questioning 
    your bill.  We must tell you the name of anyone to whom we 
    reported you as delinquent, and we must let those 
    organizations know when the matter has been settled 
    between us. 
    If we do not follow all of the rules above, you do not have to 
    pay the first $50 of the amount you question even if your bill 
    is correct. 
     
    Your Rights If You Are Dissatisfied With Your Credit 
    Card Purchases 
     If you are dissatisfied with the goods or services that you 
    have purchased with your credit card and you have tried in 
    good faith to correct the problem with the merchant, you 
    may have the right not to pay the remaining amount due on 
    the purchase. 
      
    To use this right, all of the following must be true: 
    1.  The purchase must have been made in your home state 
       or within 100 miles of your current mailing address, and 
       the purchase price must have been more than $50.  
       (Note: Neither of these are necessary if your purchase 
       was based on an advertisement we mailed to you, or if 
       we own the company that sold you the goods or 
       services.) 
    2.  You must have used your credit card for the purchase.  
       Purchases made with cash advances from an ATM or 
       with a check that accesses your credit card account do 
       not qualify. 
    3.  You must not yet have fully paid for the purchase. 
     
     If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
        
        
       Bank of the West  
       BankCard Customer Service Department 
       PO Box 2319  
       Omaha, NE 68172-9793 
     
     While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services obtained pursuant hereto or with the proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
     
          
    BW-WECCAG (Rev. 12/2017) 
      
                                                                         
                         Interest Rates, Interest Charges, and Fees � Secured Credit Card 
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                           21.99% 
      (APR) for Purchases 
                            This APR will vary with the market based on the Prime Rate. 
      APR for Balance Transfers  21.99% 
                           
                            This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  25.99% 
                           
                            This APR will vary with the market based on the Prime Rate. 
      Penalty APR and When it    None 
      Applies 
      Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                           charge you any interest on purchases if you pay your entire balance by the due date 
                           each month. We will begin charging interest on cash advances and balance transfers 
                           on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
      the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at  
      Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
      
      Fees 
      Annual Fee           $25 
      Transaction Fees     
                           
         ?  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
         ?  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
         ?  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
      Penalty Fees         
                           
         ?  Late Payment   Up to $38 (Varies by State. See next page for details.).  
      
         ?  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
      
      How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
      See your Secured Credit Card Agreement for more details. 
      
      Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
      Secured Credit Card Agreement. 
      
      Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
      six billing cycles. For other states the fee is $27 for the first violation and $38 for each  subsequent violation within the 
      next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due,  the fee will be equal to the 
      Minimum Payment Due. 
      
      Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within 
      next six billing cycles. For other states the fee is $27 for the first violation and $38 for each  subsequent violation 
      within the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment  Due, the fee will be 
      equal to the Minimum Payment Due. 
      
      SECURITY INTEREST: Information on the security interest you provided on the deposit account that secures your Credit 
      Card account is provided in your Secured Credit Card Agreement. 
      
       Continued on next page 
        
      
      
                                                                         
      Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important    
      protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
      the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
      percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
      with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
      fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
      charged (other than certain participation fees for a credit card account). 
      
      If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
      penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
      members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 
      1-800-659-5495). 
      
      Doing business in South Dakota as Bank of the West California.  
      
                                        SECURED CREDIT CARD AGREEMENT  
                                                                                                                  (Personal Accounts) 
                                             
                                    ?  
     By requesting or accepting a Secured MasterCard  Credit  required to authorize transactions for an amount in excess 
        
     Card account (�Credit Card account� or �Account�) with Bank  of your Credit Limit. 
     of the West, you agree to be bound by all the terms of this  3. Temporary Reduction of Credit Limit.  Merchants, 
     Agreement. In this Agreement, the words �you� or �your�  such as car rental companies and hotels, may request prior 
     mean everyone who has requested or accepted a Credit  credit approval from us for an estimated amount of your 
     Card account with us. The words �we,� �us,� �our,� or �Bank�  Purchases, even if you ultimately do not pay by credit. If our 
     mean Bank of the West.  If you do not accept this  approval is granted, your available Credit Limit will 
     Agreement, you must notify us in writing within 5 days after  temporarily be reduced by the amount authorized by us.  If 
     receipt.  Use of your card or any feature (including a balance  you do not ultimately use your Credit Card account to pay 
     transfer) of your  Credit Card Agreement shall  constitute  for your Purchases or if the actual amount of Purchases 
     acceptance of this Agreement.          posted to your Credit Card account varies from the 
      1. Use. Your Credit Card account card (�Card�) may be  estimated amount approved by us, it is the responsibility of 
    used as a credit card for purchases of goods or services  the merchant, not us, to cancel the prior credit approval 
    from participating merchants (�Purchases�) or to get Cash  based on the estimated amount. The failure of the merchant 
    Advances from us or any other financial institution displaying  to cancel a prior credit approval may result in a temporary 
    the �MasterCard�� logo, or to purchase certain items such as  reduction of your available Credit Limit, but will not increase 
    traveler's cheques, foreign currency, money orders, wire  the amount you owe us under this Agreement. 
    transfers, lottery tickets, and (except as noted below) funds  4. Agreement to Pay. When you use your Card or Credit 
    to be used for wagers or gambling (all of which are  Card account, or when you permit anyone to use it, you 
    collectively referred to as �Cash Advances�) up to your  agree to pay the amount of any and all transactions 
    Credit Limit; provided, however, you may not use your Card  (including any which may have been made in violation of this 
    (i) to make Purchases or obtain Cash Advances for any  Agreement), and the INTEREST CHARGES, and fees that 
    illegal transaction, or (ii) for any internet or online gambling  may become due as shown on the periodic statement. You 
    transactions.  Transactions for online or internet gambling  agree that we may change or cancel your Credit Card 
     will not be approved.  If you use your Card for any illegal or  Account at any time without affecting your obligation to pay 
     prohibited transaction, this Agreement also applies to such  the amounts that you owe under this Agreement.  
     transaction and you agree to pay any and all amounts  5. Periodic Statement. Each month we will send you a 
     related to such transaction pursuant to the terms of this  periodic statement for each Credit Card account you have 
     Agreement. We may, in our sole discretion, restrict the use  with us covering the previous billing period. We may not 
     of or terminate your Card if we notice excessive use of your  send you a statement if your balance is less than $1 and 
     Card or other suspicious activities or if we reasonably  there were no transactions during the billing period. The 
     believe the Card is or has been used for one or more illegal  statement will have a �Statement Period Date�, �Statement 
     or prohibited transactions. You can also obtain a Cash  Closing Date� and a �Payment Due Date,� and will show, 
     Advance by writing a special MasterCard check  among other things, your �Previous Balance,� your �New 
     (�Convenience Check�).  The Cash Advance will be posted  Balance,� and your minimum monthly payment, which will be 
     to your Credit Card account when the Convenience Check  shown as �Minimum Payment Due.� 
     reaches us. If you stop payment on a Convenience Check,  6. Payment. You must make a payment by the �Payment 
     your Credit Card account will be charged $16.00 (or as  Due Date.� You have two choices: You may pay the entire 
     permitted by law) for each stop payment. We may designate  �New Balance� or you may pay in installments by paying at 
     that only a portion of your Credit Limit is available for Cash  least the �Minimum Payment Due.� When your payment is 
     Advances. In addition, you may request that we pay other  properly received, we will allocate your payment in a manner 
     creditors on your behalf and transfer approved amounts to  we determine except as otherwise required by law.  The 
     your Account (�Balance Transfers�).    Minimum Payment is applied first to fees, then to 
     Your Card may also be used in certain automated  INTEREST CHARGES and finally to principal. We apply the 
    terminals to gain access to your Credit Card accounts. We  Minimum Payment to balances with lower APRs, including 
    have no responsibility for the failure of any machine,  introductory APRs, before balances with higher APRs. 
    merchant, financial institution, or any other party to honor  Payments made in excess of the Minimum Payment will be 
    your Card. Your Card and Credit Card account may be used  applied first to balances with the highest  ANNUAL 
    only for valid and lawful purposes. If you use or allow  PERCENTAGE RATE and then to each successive balance 
    someone else to use the Card or Credit Card account for  bearing the next highest ANNUAL PERCENTAGE RATE.  
    any other purpose, you will be responsible for such use and    Payments must be mailed to the BankCard Center 
    may be required to reimburse us for all amounts or  address specified in your periodic statement. Payments 
    expenses we pay as a result of such use.  must reach our BankCard Center during our regular 
     2. Credit Limit.   Your Credit Limit for  the Credit Card  business day in order to be credited on that date.  Payments 
    account you have with us will be based on the amount  received after the cutoff times of 5:00 p.m. PT are credited 
    described in paragraph 20. You agree that your total  as of the following business day. If you make a payment by 
    charges, including Purchases, Cash Advances, Balance  any means other than mail to our BankCard Center crediting 
    Transfers, INTEREST CHARGES, and fees that may be  of the payment may be delayed.  If you fail to properly make 
    due will not exceed your Credit Limit. If you do go over your  payments, crediting such payments may be delayed. Your 
    Credit Limit, you must repay the excess amount  total available credit may not be restored for up to 15 days 
    immediately, and we may reduce the available Credit Limit  after we receive your payment.    
    of any other Credit Card account you have with us until such    If a payment is returned to us for any reason, we may 
    time the excess amount is repaid.  You may apply to  apply a Returned Payment Fee of $27 for the first violation 
    increase your Credit Limit at any time but we are not  and $38 for each subsequent violation within the next six 
    obligated to increase your Credit Limit at any time.  billing cycles. The Returned Payment Fee for Iowa residents 
    Furthermore, we reserve the right to lower your Credit Limit  is $27 for the first violation and $30 for each subsequent 
    at any time. For security reasons, we may limit the number  violation within the next six billing cycles.  If the Returned 
    or amount of transactions that may be accomplished with  Payment Fee is greater than the Minimum Payment Due, 
    your Card or Credit Card account, and we have the right to  the fee will be equal to the Minimum Payment Due.  
    limit authorizations to make transactions if we consider it    From time to time, we may let you skip or reduce one or 
    necessary to verify Payments received on your Credit Card  more monthly payments during a year and/or we may 
    account.  If we accept a payment from you in excess of your  temporarily reduce or eliminate certain  INTEREST 
    outstanding balance, your available Credit Limit will not be  CHARGES on all or a portion of your Credit Card account 
    increased by the amount of the overpayment nor will we be  balance or offer you other special terms. If we do, we will 
                                            advise you of the scope and duration of the applicable skip 
    BW-SCCAG (Rev. 12/2017) 
     
      
    or promotional feature. When the skip or promotional  RATE increases, you will pay a higher INTEREST 
    feature ends, your regular rates and all the terms of the  CHARGE, which may result in a higher minimum payment.  
    Agreement will resume.                     Your interest rate for Purchases and Balance Transfers 
      7. Minimum Payment- Late Payment Fee. At least the  on your Credit Card account is based on a variable rate 
     amount of the �Minimum Payment Due� must be received by  equal to the sum of the Index plus a �Rate Spread� of 17.74 
     us by the �Payment Due Date.� If it is not, we may apply a  percentage points. The interest rate for Cash Advances on 
     Late Payment fee of $27 for the first violation and $38 for  your Account is based on a variable rate equal to the sum of 
     each subsequent violation within the next six billing cycles.   the Index plus a �Rate Spread� of 21.74 percentage points. 
     The Late Payment fee for Iowa residents is $27 for the first  Immediately before each Change Date we will determine the 
     violation and $30 for each subsequent violation within the  new interest rate by adding the Rate Spread to the Index. 
     next six billing cycles.  If the Late Payment fee is greater  The new interest rate will become effective at the start of 
     than the Minimum Payment Due, the fee will be equal to the  your first billing cycle after the Change Date. Only one 
     Minimum Payment Due.  If such charge would result in an  ANNUAL PERCENTAGE RATE and Daily Periodic Rate will 
     INTEREST CHARGE greater than the maximum allowed by  be in effect for each Balance Category during the billing 
     law, we will only charge the maximum allowable rate. Your  period. The ANNUAL PERCENTAGE RATE will not exceed 
     Minimum Payment Due will be 3% of the New Balance plus  the maximum rate permitted by law. The effect of any 
     any Late Payment fee (with a minimum of the lesser of $25  increase in the ANNUAL PERCENTAGE RATE and the 
     or your New Balance) and any amount over your credit limit  Daily Periodic Rate would be to increase the amount of 
     and past due amount.                    INTEREST CHARGE or interest you must pay and thus 
                                             increase your monthly payments. 
      8. How to Avoid Paying Interest on Purchases. There 
                                              10. Transaction Fees. You also agree to pay us the 
     may be different treatment of  INTEREST CHARGES for 
                                             appropriate fees listed below (as permitted by applicable 
     Purchases, Balance Transfers, and Cash Advances, even 
                                             law) which may be amended from time to time by us. You 
     though they are computed the same way. You may avoid 
                                             authorize us to charge your Credit Card account for the 
     paying an INTEREST CHARGE on Purchases if we receive 
                                             following fees due to us. Balance Transfer fee:4.00% of 
    the entire New Balance by the Payment Due Date. If we do 
                                             each balance transferred, $10 minimum. Cash Advance fee: 
    not receive the entire New Balance by the Payment Due 
                                             4.00% of each Cash Advance, $10 minimum.  
    Date, the INTEREST CHARGE will be charged on the 
                                              11.   Foreign  Transaction  Fee. Transactions that you 
     Purchases from the date of the transaction.  INTEREST 
                                             make in a foreign currency or that you make outside of the 
     CHARGES on all other balances, including Cash Advances 
                                             United States of America even if it is made in U.S. dollars 
     and Balance Transfers, begin on the transaction date and 
                                             are considered foreign transactions.  If you make  a 
     will be assessed even if your entire New Balance is paid by 
                                             transaction in a foreign currency it will be billed to you in 
     the Payment Due Date. 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             determined by Visa International or MasterCard International 
    INTEREST CHARGE on each Credit Card account by 
                                             in accordance with their operating regulations or conversion 
    applying the periodic rate to the �Average Daily Balance� of 
                                             procedures in effect at the time the transaction is 
    each Balance Category on the Credit Card account, 
                                             processed. Currently, their regulations and procedures 
    including current transactions. Balance Categories include 
                                             provide that the currency conversion rate they use is either 
    Purchases, Balance Transfers, Cash Advances, 
                                             (1) a government-mandated rate or (2) a wholesale market 
    Introductory Rates and any special rate offers we may make 
                                             rate, whichever is applicable, in effect one day prior to the 
    available from time to time.  If you are charged interest, the 
                                             processing date. We do not determine the currency 
    charge will be no less than $1.00 (the minimum interest 
                                             conversion rate which is used.  You agree to pay the 
    charge will appear as �Minimum Charge� in the fees section 
                                             converted amount in U.S. funds. In addition, Visa or 
    of your statement).  
                                             MasterCard will charge us (the Bank) an international 
       a. Average Daily Balance.  To obtain the daily balance 
                                             transaction fee, currently equal to one percent (1.00%) of 
    for each Balance Category we take the beginning balance 
                                             the transaction amount. We will charge you the international 
    each day and add new transactions applicable to each 
                                             transaction fee imposed on us plus an additional  two 
    category, and subtract any payments, credits, and refunds 
                                             percent (2.00%) of the transaction amount whether that 
    applied to the category.  To figure your Average Daily 
                                            transaction was originally made in U.S. dollars or was made 
    Balance for each Balance Category, we add all your daily 
                                            in another currency and converted to U.S. dollars.  These 
    balances and divide by the number of days in the billing 
                                            two fees will be aggregated and shown as one  Foreign 
    period. 
                                            Transaction Fee on your statement. 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             12. Annual Fee. We will assess an Annual Cardholder 
    INTEREST CHARGE for each Balance Category  by 
                                             Fee of $25 for each year your account is open, whether or 
    multiplying the Average Daily Balances  by the applicable 
                                             not you use your account and regardless of the number of 
    Daily Periodic Rate, and then we multiply the result by the 
                                             cards issued on your account. You can avoid the Annual 
    number of days in the billing period. To determine the Daily 
                                             Cardholder Fee if you terminate your Account within 30 days 
    Periodic Rate for each Balance Category, we divide the 
                                             after the date of the periodic statement in which the Annual 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             cardholder fee is posted. Otherwise, the Annual Cardholder 
     billing period by 365 (366 for leap year). The way we get the 
                                             fee will not be refunded in whole or in part and shall be owed 
     ANNUAL PERCENTAGE RATE for each Balance Category 
                                             to us by you even if your account is subsequently changed, 
     described below under �Variable Rate.� 
                                             suspended, closed or terminated for any reason. 
     c. Variable Rate. The current ANNUAL PERCENTAGE 
                                              13. Other Fees. As allowed by law, we may charge, and 
    RATE for all variable rates is shown on the Account 
                                             you agree to pay, fees for certain services or requests made 
    Opening Disclosure which has been provided to you with 
                                            by you, such as but not limited to: Automated Teller Machine 
    this Agreement. The Daily Periodic Rate and the 
                                            (�ATM�) transactions conducted at machines not operated 
    corresponding ANNUAL PERCENTAGE RATE may change 
                                            by us, requests for copies of billing statements, sales drafts, 
    each month on the first day of each of your billing cycles. 
                                            or other records of your Account, or if you request a 
    Each date on which the rate of interest could change is 
                                            replacement card(s).  However, we will not charge fees for 
    called a �Change Date.� Changes will be based on changes 
                                            copies of documents requested for a billing dispute.  These 
    in the �Index.� The Index is the Prime Rate published in the 
                                            fees may change from time to time.  We will inform you of 
    �Money Rates� table of The Wall Street Journal on the 
                                            the fee(s) that you will incur prior to when the applicable 
    business day immediately preceding the day your billing 
                                            service(s) is(are) provided or when you make the request(s), 
    cycle ends. If the Index is no longer available, we will 
                                            as applicable. You authorize us to charge your Credit Card 
    choose a new index which is based upon comparable 
                                            account for any such fees that you incur. We reserve the 
    information and will give you notice of our choice.   The 
                                            right to waive a fee from time to time but a waiver does not 
     ANNUAL PERCENTAGE RATE may increase or decrease 
                                            mean we will continue to waive such fee in the future.  
     each month if the  Index changes. Any new rate will be 
                                               14. Interest Charges for Covered Members of the 
     applied as of the first day of your billing cycle during which 
                                            Armed Forces and Their Dependents: Federal law 
     the  Index has changed. If the ANNUAL PERCENTAGE 
    BW-SCCAG (Rev. 12/2017) 
     
      
    provides important protections to members of the Armed  Please notify us of any mechanical or operating failure in 
    Forces and their dependents relating to extensions of  connection with the use of your Card. Do not permit anyone 
    consumer credit. In general, the cost of consumer credit to a  else to use your Card and do not disclose your secret code 
    member of the Armed Forces and his or her dependent may  or record it on the Card. The Card remains the property of 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  the Bank and can be revoked and repossessed at any time. 
     rate must include, as applicable to the credit transaction or  You must return it to us when asked. 
     account: the costs associated with credit insurance  e. Fees for Using Automated Terminal Services. 
     premiums; fees for ancillary products sold in connection with  Fees may be charged for transactions made at automated 
     the credit transaction; any application fee charged (other  teller machines not operated by us as described in 
     than certain application fees for specified credit transactions  paragraph 12-Other Fees. 
     or accounts); and any participation fee charged (other than  17. Lost or Stolen Card; Your Liability for 
     certain participation fees for a credit card account).  Unauthorized Use. Tell us AT ONCE if you believe your 
       If you are a covered member of the armed forces or a  Card has been lost or stolen. Telephoning is the best way of 
     dependent, you will not be charged annual fees, transaction  keeping your possible losses down. 
     fees, or penalty fees so that your cost may not exceed the  You may be liable for the unauthorized use of your Card 
     Military Lending Act ANNUAL PERCENTAGE RATE cap.   as a credit card. You will not be liable for unauthorized use 
    Armed Forces members and their dependents can hear  of your Card as a credit card which occurs after you notify 
    about the protections provided to them by calling 1-866-761- us at the telephone number or address stated in paragraph 
    2689 (TTY users call 1-800-659-5495).   18, orally or in writing, of loss, theft, or possible unauthorized 
      15.  Default. We may declare the entire balance for the  use. In any case, your liability for unauthorized use of your 
    Credit Card accounts  due and payable at once with  or  Card as a credit card will not exceed $50.00. 
    without notice or demand if any of these events (a �Default�)  18.  Where to Call or Write. If you believe your Card has 
    happens:                                been lost or stolen or that someone is using your Card or 
       a. If you miss a payment under this Agreement or any  Credit Card account without your permission, call: 
    other obligation you owe us; or         1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
       b. If you violate any terms of this Agreement.  Bank of the West, BankCard Security Department, PO Box 
       If you are in Default, we may terminate your Credit Card  2078 Omaha, NE 68103-2078   
    account, make no more additional loans, and require you to 
                                              19.  Our Business Days. Our business days are Monday 
    immediately repay the entire unpaid balance of all amounts 
                                            through Friday, except for bank holidays. 
    due on your Credit Card account, including but not limited to 
                                             20.  Credit Investigation and Disclosure. You authorize 
    all loan amounts, late charges and other charges assessed 
                                            us, both now and in the future, to check your credit and 
    but not paid, and all of the INTEREST CHARGES accrued 
                                            employment history and to release information about our 
    but not paid. If we terminate your Credit Card account, your 
                                            credit experience with you in response to legitimate credit 
    obligation to repay the amounts you already owe us would 
                                            inquiries. If you believe that we have incorrect information or 
    continue.  
                                            have reported inaccurate information about you to a credit 
       At our option, we may also take action short of 
                                            bureau, please call us at 1-800-996-2638 (for TTY call 1-
    terminating your Credit Card account. If we take such lesser 
                                            800-659-5495).  As required by law, you are hereby notified 
    action initially, we reserve the right to terminate your Credit 
                                            that a negative credit report reflecting on your credit history 
    Card account and accelerate all amounts due under this 
                                            may be submitted to a credit reporting agency if you fail to 
    Agreement regardless of whether any additional events 
                                            fulfill the terms of your credit obligations. 
    have occurred which would permit termination and 
                                             21. Security Interest .   This  Credit  Card account  is 
    acceleration.  
                                             secured by a deposit account (�Deposit Account�) in your 
     16.  Automated Terminal Services 
                                             name only with Bank of the West.  The amount you 
       a. Automated Terminals. You may use your Card in 
                                             deposited in the Deposit Account (subject to the minimum 
    the following automated terminals: 
                                             amount  required and maximum  amount allowed by the 
         (1) Any Bank of the West automated teller machines. 
                                             Bank) is your credit limit.  The Deposit Account will be used 
          (2) Any other automated teller machine that is 
                                             as collateral to secure the obligations you incur in 
     participating in a network and accepts our Card (�Network 
                                             connection with your Credit Card account. You grant the 
     ATM�) and 
                                             Bank a security interest in, and assign to the Bank, all funds 
          (3) Any point-of-sale terminal that accepts our Card 
                                             in your Deposit Account.  You agree that you will be bound 
     (�POS terminal�). 
                                             by the agreement (�Deposit Account Agreement�) for your 
       b. Services Available at an Automated Terminal 
                                             Deposit Account and that your Deposit Account is subject to 
         (1) You may use your Card at a Bank of the West or 
                                             this Agreement. You grant the Bank exclusive control over 
     any Network ATM to: 
                                             the Deposit Account, the right to redeem, collect and 
          (a) Get a Cash Advance from your Credit Card 
                                             withdraw any part or the full amount of the Deposit Account 
     account. 
                                             upon any default under this Agreement or if your Credit Card 
           (b) Get your Credit Card account balances. These 
                                             account is closed for any reason. The Bank may apply funds 
     balances may not include some transactions recently made 
                                             in the Deposit Account to pay off any balance on the Credit 
     in your Credit Card account. Some of the services described 
                                             Card account if the Credit Card account is closed for any 
     in subparagraphs (a) and (b) may not be available at all 
                                             reason. You may not make or otherwise arrange for any 
     Network ATMs. 
                                             deposits to or withdrawals from the Deposit Account while 
           (c) You may use your Card at a POS terminal to 
                                             the Deposit Account secures your Credit Card account. The 
     purchase certain merchandise. The amount of your 
                                             Deposit Account will not be eligible for Auto-Save or Savings 
     purchase will automatically be charged to your Credit Card 
                                             Overdraft Protection while the Deposit Account secures your 
     account as a Purchase. 
                                             Credit Card Account. You provide the security interest and 
       c. Limits of Automated Terminal Services  -  Cash  assignment as security for any and all amounts you may 
     Advances. You may get a Cash Advance from a Bank of  owe (including but not limited to interest, fees and charges 
     the West Automated Terminal up to an aggregate amount of  which may accrue under your Credit Card account). The 
     $500 each calendar day, provided that this amount does not  balance of your Deposit Account is only refundable after 
     exceed your Credit Limit. This amount may be less for Cash  your Credit Card account is closed and all amounts owed to 
     Advances from Network ATMs.             the Bank are paid (any remaining amount you request to be 
       d. Card and Secret Code (PIN) Use. You are  refunded may take up to 30 days to be returned to you).  
     responsible for all transactions in which you use your Card  You agree to pay all charges and follow all practices set 
     in an automated terminal, or the use of the Card by anyone  forth in the Deposit Account Agreement for the Deposit 
     else who uses it with your permission. Security in use of the  Account that secures your Credit Card account and abide by 
     Card is provided by the secret code, which we will provide  all future changes to the terms and charges for the Deposit 
     you, and the magnetically encoded stripe on the Card.  Account.   
     Please keep the Card safe and also protect the secret code. 
     Use the Card and the secret code as instructed at all times. 
    BW-SCCAG (Rev. 12/2017) 
     
      
      22.  Collection. You promise to pay all collection costs,  cancel this Agreement at any time by sending us a notice in 
     including, without limitation, mailgram charges, reasonable  writing. If this Agreement is canceled by you or us, your 
     lawyers� fees and court costs, as permitted by law.  obligation is to repay amounts you already owe under this 
      23.  If There are More Than One of You. Each of you  Agreement, and you must return your Card to us or destroy 
     individually, or all of you together, will be liable under this  the card.  In either case, the account will be closed and you 
     Agreement. We may collect from or sue any one of you, or  will no longer have access to the account. 
     make any settlements or extensions with any one of you,  27.  Governing Law. This Agreement will be governed by 
     without giving up our rights against the other. You  the laws of the State of Nebraska, and, as applicable, 
     understand that any one of you can make Purchases, get  federal law, regardless of where the transactions are made. 
     Cash Advances, or perform Balance Transfers under this  28. Monitoring/Recording Telephone Calls.  Our 
     Agreement which will be binding upon all of you.  supervisory personnel may listen to and record your 
      24.  No Waiver of Rights. If we choose to waive any of  telephone calls to us for the purpose of monitoring and 
    the terms or conditions of this Agreement on a case-by-case  improving the quality of service you receive. 
    basis, such as by not declaring the entire balance due when  29.  Severability.  All other provisions of this Agreement 
    the minimum monthly payment has not been made on time,  shall remain in full force even if one or more provisions of 
    it does not mean that we have waived, or given up, our right  this Agreement are held invalid, illegal, void or 
    to exercise any of our rights or remedies under this  unenforceable by any rule or law, administrative order or 
    Agreement in the future. We are not required to use any  judicial decision. 
    particular kind of demand or notice in order to collect  30. Authorized User.  If you elect to have an authorized 
    amounts due to us under this Agreement. No indulgence or  user, you will be liable for all transactions made by that user 
    acceptance by us of delinquent or partial payments  on your account. Any authorized user is not a contractually 
    constitutes a waiver of our rights or of any provision of this  liable party. 
    Agreement. No waiver of any existing default shall be  31. Our Communications with You. You agree that we, 
    deemed to waive any subsequent default.  any of our affiliates, agents, independent contractors or 
     25. Changing Terms. We can change, add to, delete or  service providers may monitor and record telephone calls 
    otherwise modify the terms of this Agreement at any time in  regarding your banking services to assure the quality of our 
    any way permitted by law.  We will send you a notice of  service or for other reasons. You expressly consent that we, 
    change at least 45 days (or as required by applicable law)  any of our affiliates, agents, independent contractors or 
    before the effective date of the change. We do not have to  service providers may use written, electronic, or verbal 
    send you an advance notice of the change if it favors you,  means, or  any other medium, as permitted by law and 
    such as by reducing rates, or increasing the maximum credit  including, but not limited to, mail and facsimile, to contact 
    limit.  Except in cases where we are changing terms due to  you. Your consent includes, but is not limited to, contact by 
    the Minimum Payment Due not being received within 60  manual calling methods, prerecorded or artificial voice 
    days of the Payment Due Date, you agree that the change  messages, text messages, e-mails and/or automatic 
    may cover all transactions made 15 days after we mail the  telephone dialing systems. You agree that we, any of our 
    notice.  If you do not agree to the change, a method for  affiliates, agents, independent contractors or service 
    rejecting the change and closing the account will be  providers may contact you by using any e-mail or any 
    provided in the Change of Terms Notice.   You agree that if  telephone number you provide, including a telephone 
    you use your card after the effective date of the change, this  number for a cellular phone or other wireless device, 
    will constitute your agreement with the change.   regardless of whether you incur any charges as a result.   
     26. Canceling this Agreement. We have the right to   
    cancel this Agreement at any time by sending a notice to   
    any one of you in writing. You also have the same right to   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  2. Within 90 days of receiving your letter, we must either 
    If you think there is an error on your statement, write to us  correct the error or explain to you why we believe the bill is 
    at:                                     correct.  While we investigate whether or not there has 
             Bank of the West               been an error: 
             BankCard Customer Service Department   
             PO Box 2319                       �  We cannot try to collect the amount in question, or 
             Omaha, NE 68172-9793                report you as delinquent on that amount. 
       In your letter, give us the following information:  �  The charge in question may remain on your 
      �  Account information: Your name and account  statement, and we may continue to charge you 
         number.                                 interest on that amount. 
      �  Dollar amount: The dollar amount of the suspected  �  While you do not have to pay the amount in 
         error.                                  question, you are responsible for the remainder of 
      �  Description of problem: If you think there is an error  your balance. 
         on your bill, describe what you believe is wrong and  �  We can apply any unpaid amount against your 
         why you believe it is a mistake.        credit limit. 
       You must contact us:                   
      �  Within 60 days after the error appeared on your  After we finish our investigation, one of two things will 
         statement.                         happen: 
      �  At least 3 business days before an automated   
         payment is scheduled, if you want to stop payment  �  If we made a mistake: You will not have to pay the 
         on the amount you think is wrong.       amount in question or any interest or other fees 
    You must notify us of any potential errors in writing  [or  related to that amount. 
    electronically].  You may call us, but if you do we are not  �  If we do not believe there was a mistake: You will 
    required to investigate any potential errors and you may  have to pay the amount in question, along with 
    have to pay the amount in question.          applicable interest and fees.  We will send you a 
                                                 statement of the amount you owe and the date 
    What Will Happen After We Receive Your Letter  payment is due.  We may then report you as 
     When we receive your letter, we must do two things:  delinquent if you do not pay the amount we think 
     1. Within 30 days of receiving your letter, we must tell you  you owe. 
    that we received your letter.  We will also tell you if we have   
    already corrected the error. 
    BW-SCCAG (Rev. 12/2017) 
     
      
      If you receive our explanation but still believe your bill is 
    wrong, you must write to us within 10 days telling us that you 
    still refuse to pay.  If you do so, we cannot report you as 
     delinquent without also reporting that you are questioning 
     your bill.  We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those 
    organizations know when the matter has been settled 
    between us. 
      
     If we do not follow all of the rules above, you do not have 
    to pay the first $50 of the amount you question even if your 
    bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit 
    Card Purchases 
     If you are dissatisfied with the goods or services that you 
    have purchased with your credit card and you have tried in 
    good faith to correct the problem with the merchant, you 
    may have the right not to pay the remaining amount due on 
    the purchase. 
      
     To use this right, all of the following must be true: 
     1. The purchase must have been made in your home state 
    or within 100 miles of your current mailing address, and the 
    purchase price must have been more than $50.  (Note: 
    Neither of these are necessary if your purchase was based 
    on an advertisement we mailed to you, or if we own the 
    company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase.  
    Purchases made with cash advances from an ATM or with a 
    check that accesses your credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. 
     
     If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West 
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
      
     While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services obtained pursuant hereto or with the proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
    BW-SCCAG (Rev. 12/2017)