Credit Disclosures
Interest Rate and Interest Charges
Variable Annual Percentage Rate  
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances
Paying Interest

Credit Card Tips from the Consumer  
Financial Protection Bureau

Fees
Annual Fee
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transaction

Penalty Fees

Late Payment
Over-the-Credit Limit 
Returned Payment

0% Introductory APR for 6 months, from the date the account is opened. 
After that your APR will be a variable rate of 11.99% - 25.99% 
based on your credit worthiness. This APR will vary with the market based 
on the Prime Rate.
0% Introductory APR for 6 months, from the date the account is opened. 
After that your APR will be a variable rate of 11.99% - 25.99% based on 
your credit worthiness. This APR will vary with the market based on the 
Prime Rate.
21.99% - 25.99% This APR will vary with the market based on the Prime Rate.
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest 
on balance transfers and cash advances on the transaction date.
To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore.

None

None
Either $10 or 3% of the transaction amount, whichever is greater. 
3% of each transaction in U.S. dollars.

Up to $35
None
Up to $35

How we will calculate your balance: We will use a method 
called “average daily balance (including new purchases).” If you 
accept this offer, you will receive a New Account Agreement  
which will define this method.

ADDITIONAL DISCLOSURES AND TERMS & CONDITIONS
I am applying to Great Western Bank for a credit card account.  
To qualify, I understand:
    •    Approval is based upon satisfying Great Western Bank’s  

How your rate is determined: Your rate is determined by adding 
the following margins as applicable to the Prime Rate as published 
in the Wall Street Journal on the fifteenth day of the month in 
which your billing cycle occurs; Purchases 6.74% - 20.74% plus 
Prime Rate, Balance Transfers 6.74% - 20.74% plus Prime Rate,  
Cash Advances 16.74% - 20.74% plus Prime Rate depending on 
your credit worthiness at the time your account is opened.

Minimum Payment Calculation: The monthly payment amount 
will be 2.5% of the account balance on the last day of the billing 
cycle, or $20, whichever is greater. 

Billing Error Rights: Information on your rights to dispute 
transactions and how to exercise those rights is provided in your 
account agreement. 

Loss of Introductory APR: We may end your Introductory APR 
and apply the Standard APR if you make a late payment or as 
defined in the Card Agreement. 

The information about the cost of the card described in this 
application is accurate as of November 26, 2018. This information 
may have changed after that date. To find out what may have 
changed, write to us at Great Western Bank, Attn: Credit Card 
Operations, 225 S. Main Ave., Sioux Falls, SD 57104-6309.

credit standards.

    •    I must be at least 18 years of age (19 in Alabama and 21 

Puerto Rico) and have a valid social security number, unless 
otherwise specified, as required to satisfy the minimum legal 
contracting age of my state.

    •    I may be ineligible if I have responded to a previous offer  
for a credit card issued by Great Western Bank within the  
last 45 days or if I have been approved for a previous  
Great Western Bank credit card offer.

    •     I must meet the minimum income requirements. 

With respect to this offer, I acknowledge that:
    •    I authorize Great Western Bank to check my credit and 
employment history and to answer questions about its  
credit experience with me.

    •    If I am approved, Great Western Bank may contact me  

from time to time regarding my credit card.

    •    I will receive the Great Western Bank Customer Agreement 

and am bound by its terms and all future revisions.

    •    If approved, this offer is nontransferable and void to residents 

of GU, PR, VI and other U.S. dependent areas.

    •    The terms of this offer may not be applied to existing Great 

Western Bank accounts.

©2018, Great Western Bank  |  Page 1 of 2   

    •    Great Western Bank will retain my application whether or  

not I am approved for an account.

    •    The exact amount of my credit line will be determined by 
Great Western Bank after review of my application and  
other information.

    •    Certain restrictions apply to the card benefits in this offer.  

(Full details will be mailed to you upon approval.)

    •    Everything that I have stated in this application is correct  

to the best of my knowledge.
•  This is not a business account.
•  If I fail to fulfill the terms of my credit obligations, you may 
submit a negative credit report reflecting on my credit  
record to a credit reporting agency.

If I complete the authorized user section of the application, I 
understand that I am responsible for all charges made by the 
designated authorized user and anyone they allow to use an 
account, and are subject to the terms of the account agreement.

BALANCE TRANSFER IMPORTANT INFORMATION
Balance transfers are contingent upon issuance of your account 
with us. Balance transfers will be applied to your account and 
sent to your designated payee(s) after your account is opened. 
Each transfer will reduce your available credit just like any other 
transaction. You will see a payment for the amount transferred 
on the statement from your other accounts. It may take up to 
three weeks to set up your new account with us and process 
the balance transfer(s), so you may still need to make payments 
to your other accounts to keep them current. There is no fee for 
balance transfers. We will begin charging you interest on balance 
transfers on the transaction date. We may decline to process any 
full or partial balance transfer request(s), depending on the credit 
line assigned to your credit card account. In the event that your 
request(s) exceed the amount we approve to process, we will fulfill 
your requests in the numeric order listed on your application. We 
may not use your total credit access line (the revolving portion of 
your total credit line)/credit line when honoring balance transfers. 
Balance Transfers may not be used to pay off or pay down any 
account issued by Great Western Bank.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR 
APPLYING FOR OR OPENING A NEW ACCOUNT:
To help the government fight the funding of terrorism and money 
laundering activities, Federal law requires all financial institutions 
to obtain, verify and record information that identifies each person 
who opens an account. 

What this means for you: When you apply for or open an account, 
we will ask for your name, address, date of birth and other 
information that will allow us to identify you.

STATE-SPECIFIC INFORMATION
California Residents: Applicants 1.) may, after credit approval,  
use the credit card account up to its credit limit; 2.) may be liable 
for amounts extended under the plan to any joint applicant.

Ohio Residents: Ohio anti-discrimination laws require creditors  
to make credit equally available to all credit worthy customers  
and that credit reporting agencies maintain separate credit 
histories on individuals upon request. The Ohio Civil Rights 
Commission administers these laws.

New York and Vermont Residents: Great Western Bank may 
obtain at any time your credit reports, for any legitimate purpose 
associated with the account or the application or request for 
an account, including but not limited to reviewing, modifying, 
renewing and collecting on your account. On your request, you 
will be informed if such a report was ordered. If so, you will be 
given the name and address of the consumer reporting agency 
furnishing the report. New York residents may contact the New 
York State Department of Financial Services (1.800.342.3736) for a 
comparative list of credit card rates, fees and grace periods.

Married Wisconsin Residents: No provision of any marital 
property agreement, unilateral statement, or court order applying 
to marital property will adversely affect a creditor’s interests unless, 
prior to the time credit is granted, the creditor is furnished with 
a copy of the agreement, statement or court order, or has actual 
knowledge of the provision.

Please retain this information for your records.

©2018 Great Western Bank. Great Western Bank is a federally 
registered service mark. All rights reserved. Products and services 
offered by Great Western Bank, Member FDIC. Great Western Bank 
supports information privacy protection: see our website at  
www.GreatWesternBank.com.

THE GREAT WESTERN REWARDS PROGRAM
The Great Western Rewards program is powered by ScoreCard®, 
a subsidiary of FIS Global. Your Great Western Rewards are earned 
as points, which can be redeemed for merchandise, travel or cash 
back. You will earn 1 point for every $1.00 spent on net purchases 
(defined as purchases minus any returns). You may redeem rewards 
as long as your account is in good standing (not delinquent, in 
default, canceled or closed).  

You will not earn points on balance transfers, cash advances or 
cash-like charges such as traveler’s checks, foreign currency or 
money orders, any checks that are used to access your account, 
overdraft advances, interest, unauthorized or fraudulent charges, or 
fees of any kind, including fees for products that protect or insure 
the balances on your account.  

There is no maximum account threshold to the number of points 
that you can accumulate and points do not carry an expiration 
date for the program as long as your account is open and in good 
standing.  

You will earn bonus double points on select purchases identified 
by Great Western Bank based on a calendar set for the program. 
Bonus point accumulation and communication will be located 
on your monthly Great Western Bank credit card statement. You 
may also access your bonus point information on the ScoreCard 
website, www.ScorecardRewards.com, or by calling 1.800.854.0790.

Great Western Bank reserves the right to change the terms and 
conditions of our rewards program at any time.

©2018, Great Western Bank  |  Page 2 of 2   

GREAT WESTERN BANK 
ACCOUNT AGREEMENT 

ACCEPTANCE   
This Account Agreement (the “Agreement”) includes the Important Terms Table and governs your credit card 
account (“Account”). You promise to pay for all transactions, INTEREST CHARGES and fees assessed on 
your Account, and any past due amounts. This Agreement is binding if you use your Account or make a 
payment on it. If you have a joint Account, both of you are bound by this Agreement.  If you have a joint 
Account, each of you is responsible for payment of the entire amount owed to us. The words “we,” “us” and 
“our” mean Great Western Bank, which is the issuer of your credit card and lender for your Account. The words 
“Cardmember,” “you,” “your” and “yours” mean everyone responsible for this Account, including the person 
who applied for the Account and the person to whom we provide the Account Statements. The word “Card” 
means each card or other access device, such as Account numbers, that we give you to use your Account.  
“Important Terms Table” means the Important Terms Of Your Credit Card Account on the enclosed letter/card 
carrier, as the same may be revised from time to time as provided in this Agreement.  

ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT   
Personal Use - You may use the Account only for personal, family or household purposes. Federal or state 
consumer protection laws may not apply if you use the Account for other than personal, family or household 
purposes.   
Authorized Users - You agree not to allow access to your Card, Account number, Convenience Checks, or 
personal identification number (PIN) to anyone else to use your Account, except by asking us to issue a Card 
to grant Account access to another person. If you allow access to your Card or Account information, you will be 
liable for any charges made by that person, unless and except as expressly required by applicable law. You 
agree to be responsible for all Account transactions made by a Cardmember, or anyone who you have 
authorized by (1) asking us to issue a Card to grant Account access to another person; (2) lending your Card 
to or allowing Account access by another person; or (3) any other way in which you would be legally 
considered to have allowed another person to use your Account or to be legally prevented from denying that 
you did so. Be cautious when allowing another person to become an authorized user of your Account; once 
you allow authority to any authorized user you cannot limit that authority unless the Account is closed to future 
transactions. You, as a primary or joint Cardmember must call or write us with any request to cancel and 
remove a person’s authority. We will not provide any Account information to anyone other than you and any 
individual you authorize has no right to make any Account changes or inquiries.  
Credit Limit - The Account Credit Limit is the maximum amount of credit available under the Account at any 
time. Under certain circumstances, your Account may exceed the Credit Limit and you will be responsible for 
the full amount of the Credit Limit as well as any amounts owed that exceed the Credit Limit, including fees and 
INTEREST CHARGES. You may not request or obtain additional Advances or Balance Transfers once you 
have reached your Credit Limit. The initial Credit Limit is shown on the Card carrier and will also appear on 
your monthly Account Statements. We reserve the right to review your Account at any time and increase or 
decrease your Credit Limit. Cosigner consent is required for Credit Limit increases. You may not increase your 
Credit Limit by carrying credit balances over the Credit Limit we make available to you.   
Purchases - You may use the Account to buy, lease or otherwise obtain goods or services from participating 
merchants (including transactions you initiate by mail, telephone or over the Internet), or take advantage of 
special promotional Balance Transfer offers that post as Purchase transactions (“Purchases”). We will, in 
connection with any promotional offer we make from time to time, provide information on your Card carrier or in 
additional materials (the “Offer Materials”) that explain whether those transactions will post and be treated as a 
Purchase. Even if you have not signed a sales draft or the merchant has not supplied you with a written receipt 
or other proof of sale, you are responsible for all Purchases made through your Account, except as expressly 
limited by applicable law (see Your Billing Rights section below for more details).   
Advances – “Advances” are transactions other than Purchases that allow you direct access to funds available 
through your Account. Advances may include Account transactions such as cash advances you obtain directly 
from us, automated teller machines (“ATMs”) or other participating financial institutions (“Cash Advances”). 
ATM and financial institution Advances include phone (automated phone system and 24 Hour customer 
service assisted) and Internet transfers. Advances also include some Balance Transfers, Convenience 
Checks, Overdraft Protection Advances and Cash Equivalent Advances. “Cash Equivalent Advances” include 
transactions to acquire or initiate wire transfers, travelers checks, cashier’s checks, money orders, foreign cash 

 
 
transactions, casino gaming and betting transactions and lottery tickets. Monthly Account Statements we issue 
may refer to Advances as an Advance, Cash, Cash Advances, or by the product or device you used to obtain 
an Advance. Refer to the Important Terms Table for details on Advance Transaction Fees.  
Convenience Checks - From time to time, we may supply Convenience Checks for use by the person(s) or 
drawer named on those checks. “Convenience Checks” are drafts that look like other checks, but are drawn on 
credit available in your Account. Convenience Checks may not be offered for all Account types. We will, in 
connection with any Convenience Check we provide, include Offer Materials that will explain whether the 
Convenience Check will post and be treated as an Advance or as a Balance Transfer. Convenience Checks 
must be written in U.S. Dollars. We may return a Convenience Check unpaid if: (1) the credit available under 
your Credit Limit is less than the Convenience Check amount; (2) the Account is in Default; or (3) the 
Convenience Check is improperly endorsed or otherwise fails to conform to our regularly accepted standards 
for check payment. Convenience Checks may not be used to pay your Account or any obligation you owe us or 
our affiliates.  
Paying And Stopping Payment On Convenience Checks - You must write to us or call to request that 
payment be stopped on a Convenience Check. You must call us promptly with an oral stop payment request 
and then provide us with a written confirmation of the stop payment request within 14 calendar days. Any 
written stop payment request we receive will remain in effect for 6 months, unless you renew the request in 
writing before the end of that time. We may pay Convenience Checks more than 6 months old. There may be 
circumstances under which a Convenience Check must be paid, even if we have received a stop payment 
request from you. We will not be liable to you if we do not honor your stop payment request under those 
circumstances. If it is determined that a Convenience Check should have been paid, but was not, we will not 
be liable for any consequential, punitive or incidental damages if we acted in good faith. Our only obligation 
under those circumstances will be to pay the designated payee the amount of the Convenience Check and 
cancel any charges assessed against your Account as a result of any wrongful failure to honor the 
Convenience Check.  
Balance Transfers - We may permit you to transfer balances and obligations that you owe other companies or 
financial institutions to your Account, subject to the terms and conditions disclosed in the Offer Materials 
(“Balance Transfers”). Balance Transfers will post to your Account and be separately reflected on monthly 
Account Statements as a Balance Transfer, or, depending upon the offer, may post to the Account and be 
treated as a Purchase or an Advance. We will, in connection with any Balance Transfer offer we make, provide 
you with materials that explain how the Balance Transfer will post to your Account and be reflected on monthly 
Account Statements. You may not request Balance Transfers on existing obligations you owe us or our 
affiliates. If you request a Balance Transfer that would cause your Account to exceed its Credit Limit, we may, 
at our option, (1) post the entire Balance Transfer requested to your Account; (2) post only a portion of the 
Balance Transfer requested to your Account up to the amount of credit available under the Credit Limit; or (3) 
refuse to process the entire amount of the Balance Transfer requested. 
Overdraft Protection - This section is part of the Agreement only if you have specifically requested and have 
obtained Overdraft Protection linking the Account with a designated checking account at a financial institution 
with which we are affiliated or with which we have a correspondent relationship. An “Overdraft Protection 
Advance” is an advance of funds to your designated checking account from this Account that will prevent 
overdrafts on your checking account. You authorize us to make Overdraft Protection Advances from the 
Account as provided in this Agreement. Any Overdraft Protection Advance will post and be disclosed as either 
a “Financial Institution Cash Advance” or an “Overdraft Protection Advance” on your Account Statement, and 
will be subject to either a Financial Institution Cash Advance fee or an Overdraft Protection Advance fee, 
depending on how the Advance is processed. An Overdraft Protection Advance will be made only once per 
day, and will be made in the amount determined by your financial institution (regardless of the specific 
overdraft amount). Please verify the amount of the Overdraft Protection Advance with your financial institution. 
We may cancel Overdraft Protection privileges under the Account, even if the Account remains open for other 
purposes.  
Using Your Card for International Transactions - You may use your Card for retail Purchases at foreign 
merchants and for cash withdrawals from foreign ATMs. Some merchant and ATM transactions, even if you 
and/or the merchant or ATM are located in the United States, are considered foreign transactions under the 
applicable rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in the 
Important Terms Table to those transactions. We do not control how these merchants, ATMs, and transactions 
are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from 
the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If 

you engage in a Transaction in a currency other than U.S. Dollars using a Visa card, then Visa International 
will convert the charge into a U.S. Dollar amount. The exchange rate between the transaction currency and the 
billing currency used for processing international transactions is either (a) a rate selected by Visa from the 
range of rates available in wholesale currency markets for the applicable central processing date, which rate 
may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate for the processing date may differ from the rate in effect 
on the date of the transaction or the date the transaction is posted to your billing statement.  
Some merchants outside of the United States offer cardholders the option of having card transactions 
converted to U.S. Dollars by the merchant itself. If this option is chosen, the currency conversion rate is 
determined solely by the merchant involved in the transaction, and no Foreign Transaction Fee INTEREST 
CHARGE is charged by the Bank for the Transaction. 

INTEREST CHARGES   
INTEREST CHARGES - INTEREST CHARGES reflect the cost of credit. Your total INTEREST CHARGE for 
any billing cycle will equal the amount of any (a) periodic rate INTEREST CHARGES (sometimes referred to 
as “interest” in this Agreement and on monthly Account Statements); (b) Advance Transaction Fees; and (c) 
any other transaction fees that are considered INTEREST CHARGES.  
Standard Versus Standard Variable Rates - The Important Terms Table will indicate whether your account is 
subject to Standard or Standard Variable rates, or a combination of Standard and Standard Variable rates. 
Please review those disclosures carefully. The terms of those disclosures are incorporated by reference into 
this Agreement.  
Standard Variable Rates - If your Account is subject to Standard Variable Rates, the standard periodic rate(s) 
is a variable rate(s) based on the “Index Rate” plus the applicable “Margin”. For each billing period, the “Index 
Rate” will be equal to the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, 
published in the “Money Rates” column of The Wall Street Journal as of the 15th day of the month prior to your 
Account Statement closing date (subject to any minimum APRs that may be applicable to your Account). If the 
U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will 
select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. Please see 
the Important Terms Table for the amount of the “Margin” on Purchases and the “Margin” on Cash Advances 
as well as the Daily Rates and corresponding ANNUAL PERCENTAGE RATES as applicable to your Account. 
This disclosure will also indicate whether there are any minimum APRs applicable to your account. If 
applicable, the rates for Purchases and Cash Advances will not decrease below the stated minimum APRs 
regardless of changes to the Index Rate. 
The Daily rates are calculated by adding the applicable “Margin” to the Index Rate, and dividing that sum by 
365. This calculation produces the Daily Variable Rates. The Daily Variable Rates will increase or decrease as 
a result of increases or decreases in the Index Rate. An increase or decrease in the Daily Variable Rates may 
result in an increase or decrease in the amount of your minimum monthly payment. An increase or decrease in 
the Daily Variable Rates will also increase or decrease the total amount of Interest you pay on your account. If 
our calculation results in a change to the Daily Variable Rate due to a change in the Index Rate, the new rate 
will apply as of the first day of your billing period in which we made the calculation. Any changes in the Daily 
Variable Rates will apply to both existing and future balances on your Account, and the Daily Variable Rates 
will continue to vary even if your Account is closed.  
Standard Rates - If your Account is subject to Standard Rates, the Important Terms Table will indicate the 
rate(s) applicable to the type(s) of balances on your Account. Please refer to the Important Terms Table for the 
Standard Daily Rates and corresponding ANNUAL PERCENTAGE RATES for Purchases and/or Cash 
Advances applicable to your account.    
The INTEREST CHARGE is calculated separately for Purchases and Advances. The INTEREST CHARGE is 
determined by multiplying the Average Daily Balance by the Daily Variable Rate or the Standard Daily Rate (as 
applicable) and by the number of days in the billing cycle.  
The Average Daily Balance for Purchases is obtained by taking into account the initial daily balance on 
Purchases, plus any new Purchases, and any unpaid INTEREST CHARGES on Purchases, and any other 
fees and charges that we add that day, minus any payments and credits we apply to the Purchase balance that 
day. Then all the daily balances within the billing cycle are added and the total is divided by the number of days 
in the billing cycle. New Purchases are added to the daily balance on posting date, unless we elect to use a 
later date. Purchases will begin to accrue INTEREST CHARGES on the date of posting. No INTEREST 
CHARGE will be imposed on a Purchase added to your daily balance during the billing cycle covered by the 

 
Account Statement if that Account Statement shows no previous balance or shows that the previous balance 
was paid in full by its payment due date. Also, no additional INTEREST CHARGE will be charged on any 
Purchases included in the new balance of a monthly Account Statement if you pay the new balance in full on or 
before the date specified in your Account Statement. The payment due date will be 21 days or more, 
depending upon the payment due date on your Account.   
The Average Daily Balance for Advances is obtained by taking into account the initial daily balance on 
Advances, plus any new Advances, and any unpaid INTEREST CHARGES on Advances, and any other 
Advance fees that we add that day, minus any payments and credits we apply to the Advance balance that 
day. Then all the daily balances within the billing cycle are added and the total is divided by the number of days 
in the billing cycle. The INTEREST CHARGE on Advances, Balance Transfers and Convenience Checks will 
be imposed from the date the transaction is conducted. There is no “free ride” period for such transactions.    
Please refer to the accompanying Important Terms Table for other terms which are made a part of this 
Agreement.  
Introductory and Promotional Rates - We may, at our option, offer you for a limited time introductory or 
promotional interest rates for all or part of new Purchase, Advance, or Balance Transfers posted to your 
Account. We will tell you in the Offer Materials the introductory or promotional rate and the period of time 
during which that rate will be in effect and any conditions or requirements of the offer. Unless the Offer 
Materials state otherwise, an introductory or promotional rate will remain in effect until the last day of the billing 
cycle in which the introductory or promotional rate expires. Upon expiration, any introductory or promotional 
rate that applies to new or outstanding Account balances will increase to the standard rate that would 
otherwise apply.  

ACCOUNT FEES  
Annual Fee - Each year, the Account may be subject to your payment in advance of an Annual Fee 
INTEREST CHARGE which will compensate us for maintaining and servicing the Account for the following 
year. This fee will be charged to the Purchase balance of your Account. The annual fee is non-refundable 
unless you notify us that you wish to close your Account within 30 days of our providing the monthly Account 
Statement on which the annual fee is billed and at the same time, you pay your outstanding balance in full. 
Your payment of the Annual Fee does not affect our rights to close your Account and to limit your right to make 
transactions on your Account. If your Account is closed by you or us, we will continue to charge the Annual Fee 
until you pay your outstanding balance in full and terminate your Account relationship.  
Late Payment Fee - We may add a Late Payment Fee to the Purchase balance of the Account if your 
Minimum Payment is not received by the Payment Due Date shown on the monthly Account Statement.  
Returned Payment Fee - We may add a Returned Payment Fee to the Purchase balance of the Account if 
any payment on the Account is not honored or if we must return it to you because it cannot be processed. A 
check that is returned unpaid will be sent for collection.  
Duplicate Documentation Fee - We may charge you a Duplicate Documentation Fee to the Purchase 
balance of the Account for copies of a monthly Account Statement, sales slip, refund slip, or Advance slip that 
you request. There will be no charge for documentation requests made in connection with a billing error notice, 
if our investigation indicates a billing error occurred.  
Assisted Payment Fee - We may add a service charge to the Purchase balance of the Account if you call us 
to make a payment on your Account and are assisted by a Cardmember Service Representative to make the 
payment. You will be provided with confirmation of the service charge before the payment transaction is 
authorized.  
Stop Payment Fee - We may add a Stop Payment Check Fee to the Purchase balance of your Account if you 
request a stop payment on a Convenience Check. (See “Paying and Stopping Payment on Convenience 
Checks” section above for more details.)  
Under no circumstances will your Late Payment Fee or Returned Payment Fee ever be greater than your 
Minimum Payment due.  
TRANSACTION FEES - You agree to pay the following transaction fees and INTEREST CHARGES:  
(1) We may add an Advance Transaction Fee INTEREST CHARGE to the Advance balance of the Account for 
each Advance you obtain during a billing cycle in addition to the interest that accrues on Advances. The 
Advance Transaction Fee imposed will equal the greater of either a percentage of each Advance or the 
minimum dollar amount, subject to the maximum dollar amount.  
(2) We may add a Balance Transfer Fee INTEREST CHARGE to the Purchase balance of the Account except 
where Offer Materials specify otherwise.  

 
(3) We may add a Convenience Check Fee INTEREST CHARGE to the Advance balance of your Account 
except where Offer Materials specify otherwise.  
(4) We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of your Account, except 
where Offer Materials specify otherwise.  

ACCOUNT PAYMENTS  
Minimum Payment - Each month, you must pay at least the Minimum Payment and any past due Minimum 
Payment(s) by the Payment Due Date shown on your monthly Account Statement. You may, at your option, 
pay more than the Minimum Payment or pay the New Balance (as stated on your monthly Account Statement) 
in full to reduce or avoid the INTEREST CHARGE for the Account.   
Your Minimum Payment will be calculated as follows: first we determine the “Base Minimum Payment,” which 
is the greater of $20.00 or 2.5% of your New Balance. To the Base Minimum Payment, we may add one or 
more of the following items, as incurred on your Account: (1) any late, annual and/or any other Account related 
fee, (2) the INTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of the balance 
amount over your Credit Limit. If the resulting Minimum Payment is greater than $20.00, the total is then 
rounded to the next highest dollar not to exceed your New Balance. Any Minimum Payment or additional 
amount you pay each month will not prepay any future Minimum Payments required, or change your obligation 
to make at least a Minimum Payment by the Payment Due Date. Our Minimum Payment may be adjusted as 
necessary to comply with state or federal regulations applicable to your account.   
Payment Instructions - All payments by mail must be made by check or money order. We will also accept 
payment in U.S. Dollars via the Internet or phone or previously established automatic payment transaction. 
Payments may not be made by attempting to effect a transfer or by using a Convenience Check from this 
Account or from any other Great Western Bank credit card account. You agree that any payment you make 
may be, but is not required to be, returned to you without applying it to your Account and without presentment 
or protest, for reasons including, but not limited to, that the check or money order: (1) is missing a signature; 
(2) is drawn with different numeric and written amounts; (3) contains a restrictive endorsement; (4) is post 
dated; (5) is not payable to Great Western Bank; (6) is not payable in U.S. Dollars; (7) is not paid upon 
presentment; or (8) results from an attempted transfer or is drawn on a Convenience Check. You agree to pay 
any collection fees we incur for any check payments made in U.S. Dollars drawn on a financial institution not 
located in the United States. All payments made by mail under this Agreement must be received at the address 
specified on your Account Statement.   
You authorize us to collect any payment check either electronically or by draft. We can collect your payment 
checks electronically by sending the check number, check amount, account and routing numbers to your bank. 
Or we can collect these checks by sending a draft drawn on your bank account. Funds may be taken from your 
bank account on the same day we receive your payment. We will not keep your original check, just a copy of it.  
Any conditional check, money order or any other instrument tendered as full satisfaction of a disputed debt or 
as an accord and satisfaction or containing a restrictive endorsement must be sent to us at the Great Western 
Bank, Cardmember Service Center, P.O. Box 6818, Carol Stream, Illinois 30197-6818. You must note 
conspicuously on the face of the payment that it is tendered for this purpose. If you make a payment in any 
other manner and we accept it, we will not have waived our rights to collect any amounts owed under this 
Agreement. Even though your payment may be posted to your Account, we may not restore your available 
credit or Cash Advance available credit immediately.  
Crediting of Payments and Cutoff Times - The date you mail a payment is different than the date we receive 
that payment. For purposes of this Agreement, the payment date is the day we receive your check or money 
order at the address specified on your monthly Account Statement or the day we receive your electronic or 
phone payment. If you mail your payment without a payment coupon or to an incorrect address, it may result in 
a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension of your 
Account. Your payment will be credited as of the day we receive it, subject to any applicable cutoff hour. The 
cutoff time for payments received by mail, telephone and other electronic means is 5:00 p.m. Eastern Time. 
Payments received by 5:00 pm Eastern Time, Monday through Friday, will be processed the same day. Online 
payments received on Saturday, Sunday or a Bank holiday will be processed the next business day. If the 
payment is made at one of our branches during business hours in cash or with a check drawn against us, it will 
be processed the same day, up to 5 p.m. Credit for any other payments may be delayed five (5) business days 
during which interest will not accrue. If your payment due date falls on a weekend or legal federal holiday, the 
payment received will be credited to the account on the next business day and will not be considered late. If 

 
your payment is received after the payment cutoff time on the due date or any time thereafter, a Late Payment 
Fee will be charged to your Account.   
Application Of Payments - If you pay the required Minimum Payment of the monthly Account Statement, the 
payment shall be applied in the following way: first to FEES, then to INTEREST, and the rest shall be applied 
first to the debt resulting from Purchases and Cash Advances, with the lowest APR and then to the debt with 
the higher APR in ascending order. Consequently, the debt with the higher APR will not be reduced, until the 
debt with the lower APR is paid in full. If you pay an amount in excess of the minimum required payment, the 
excess shall be applied first to the debt resulting from Purchases and Cash Advances with the highest APR 
and then to the debt with the lowest APR in descending order. Skip Payment Option - We may, at our option, 
occasionally offer you an opportunity to skip your obligation to make the Minimum Payment due. You may not 
skip payments unless we make this offer to you. If we offer you an opportunity to skip a payment more than 
once in a 12 month period, you will not be permitted to skip payments required in consecutive months. You 
cannot accept a skip payment offer if your Account is delinquent, or is in Default. When you take advantage of 
a skip payment offer, the interest will continue to accrue on the entire unpaid balance of your Account.  
Credit Balances - You may request a refund of any credit balance at any time. Otherwise, we will apply it to 
any new charges on your Account or provide the refund to you as required by law. 

IMPORTANT ACCOUNT INFORMATION  
Monthly Account Statement - We will provide you a monthly Account Statement at the end of each billing 
cycle in which you have a balance in excess of $1 or a credit balance in excess of $0.99. Unless you have 
elected to receive such materials electronically, your monthly Account Statements and notices about your 
Account will be sent to the address you provided in your application or your response to our Account 
solicitation. To change your address, you must call or write to us. We must receive this information 21 days 
before the date a billing cycle closes to provide your monthly Account Statement at your new address. If you 
have an address change within 45 days of the expiration date of your Card(s), please contact Cardmember 
Service with your new address so your new Card(s) can be mailed to your new address.   
Responsibility to Pay - You agree to pay us for all Purchases, Advances, Balance Transfers, INTEREST 
CHARGES, Account Fees and charges, any other transaction charges as provided in this Agreement and, to 
the extent permitted under applicable law, attorneys fees and collection costs we incur enforcing this 
Agreement against you. This is the case even if your Account is only used by one of you, or is used by 
someone authorized by only one of you. If there is more than one Cardmember, each of you is responsible, 
together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance 
continues even though an agreement, divorce decree, court judgment, or other document to which we are not 
a party may direct another person responsible to pay the Account.  
Default And Termination Of Credit Privileges - You will be in default under this Agreement (“Default”) upon: 
(1) your failure to make at least the Minimum Payment by the date specified on your Account Statement; (2) 
your violation of any other provision of this Agreement; (3) your death; (4) your becoming the subject of 
bankruptcy or insolvency proceedings; (5) you or your property becoming the subject of attachment, 
foreclosure, repossession, lien, judgment or garnishment proceedings; (6) your failure to supply us with any 
information we reasonably deem necessary; (7) your supplying us with misleading, false, incomplete or 
incorrect information; (8) our receipt of information that you are unwilling or unable to perform the terms and 
conditions of this Agreement; (9) our receipt of information from third parties, including credit reporting 
agencies, which indicates a serious delinquency or charge-off with other creditors; or (10) your moving out of 
the U.S. After your Default, your Account balance will continue to accrue INTEREST CHARGES at the contract 
rate. Balances outstanding under this Agreement when your credit line is reduced or terminated will continue to 
accrue INTEREST CHARGES until paid in full and subject to all terms and conditions of this Agreement. Upon 
default, we have the right to terminate or suspend your credit privileges under this Agreement, to change the 
terms of your Account and this Agreement, may require you to pay your entire Account balance including all 
accrued but unpaid charges immediately as permitted by law and to sue you for what you owe. We may waive 
or delay enforcing any of our rights as to one person under this Agreement without affecting the obligation of 
any other person.  If this is a joint account, a default by one of you will be a default by all of you.  You will pay 
our court, reasonable attorney’s fees and other collection costs related to the default to the extent permitted by 
applicable law. Upon default, we will apply your payments first to attorneys’ fees and then in the order set forth 
under Application of Payments. We may continue to impose INTEREST CHARGES after default (including 
charge-off).  

 
Changes to your Account - Account and Agreement terms are not guaranteed for any period of time; we may 
change the terms of your Agreement, including APRs and fees, in accordance with applicable law and the 
terms of your Agreement. Your transactional experience with us may also cause a change, including an 
increase in the margin that is added to the Prime Rate, an increase in fees, or a decrease in the Credit Limit. 
Factors considered in determining the increased rate or Credit Limit decrease may include your general credit 
profile, existence, seriousness and timing of the defaults under any agreement that you have with us, and other 
indications of the Account usage and performance. We will give you the written notice of any such change in 
the manner required by law. Any Agreement changes to APRs and fees will apply to all new Account balances 
you owe under your Account as of the effective date indicated in the notice or otherwise permitted by 
applicable law. All other Agreement changes will apply to all new and outstanding Account balances you owe 
under your Account as of the effective date indicated in the notice or otherwise permitted by applicable law. If 
you do not want to accept the changes, you must provide us with written notice at the address contained in the 
change in terms notice no later than 25 days after the effective date of the change. In this case, we will close 
your Account and permit you to pay off the outstanding Account balances in full at that time or under the terms 
of your existing Agreement. You will have accepted any proposed change if your Account is used after the 
effective date of the changed terms, even if 25 days has not elapsed after any such effective date.  
Card Renewal - Cards are issued with an expiration date. We have the right not to renew your Card for any 
reason.  
Lost Or Stolen Cards And/Or Convenience Checks; Unauthorized Use - If you notice the loss or theft of 
your Card or a possible unauthorized use of your Card, you should write to us immediately at: Great Western 
Bank, Cardmember Service Center, PO Box 30495, Tampa, Florida 33630-3495, or call us at 1-866-839-3485.  
You will not be liable for any unauthorized use of your Account. If this happens, we will ask you and all other 
persons given Account access to return all Cards and unused Convenience Checks to us. In addition, we have 
the right to close your Account and open a new Account. If we do so, new Cards will be issued. If requested, 
we may issue a new PIN and new Convenience Checks for your new Account.  
Cancellation - We may cancel your Account or suspend your ability to obtain Account credit immediately, 
without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by 
providing notice to you. You may cancel your Account by notifying us by telephone or in writing. If you have a 
secured Account, your termination request must be made in writing. If this is a joint Account, we will honor a 
request by either of you to cancel the Account. After the Account is cancelled, you will not be able to obtain 
additional Account credit, except that, (1) the Account may continue to receive recurring charges for items and 
services until you contact and cancel delivery with the company providing the item or service, or (2) under 
certain circumstances if you use your Account for a transaction, the transaction may be posted to your 
Account. After your Account is cancelled, all amounts outstanding on your Account will be due and payable 
without notice or demand from us. You must cut all Cards and Convenience Checks in half and return them to 
us.  
Applicable Law - This Agreement will be governed by the laws of South Dakota (without regard to its conflict 
of laws principles), whether or not you live in South Dakota, and whether or not your Account is used outside of 
South Dakota, and by any applicable federal laws. You agree that: (1) this Agreement is entered into in South 
Dakota; (2) all credit under this Agreement will be extended from South Dakota; and (3) all credit extended 
under this Agreement is subject to, and governed by, South Dakota law. All terms and conditions of this 
Agreement (including the Amendment provision or any other provision herein relating to a change in the terms 
of this Agreement, this Applicable Law provision, and any of the INTEREST CHARGE, Application of Payment 
and Fee provisions) are deemed to be material to a determination of the INTEREST CHARGE.    
Assignment Of Account - We may sell, assign or transfer your Account or any portion thereof without notice 
to you. You may not sell, assign or transfer your Account. In addition, we may refer the Account to a collection 
agency or attorney who shall be entitled to enforce this Agreement according to its terms, and any of our rights 
shall apply to those persons.  

THE ISSUER’S LEGAL RIGHTS AND OBLIGATIONS  
Collecting Credit Information about You - You authorize us to make any credit, employment and 
investigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on your 
Account. You agree that a consumer credit report may be requested periodically from one or more consumer 
reporting agencies (“Credit Bureaus”) and used in connection with your application and any update, renewal or 
extension of credit. We may report information about your Account to credit bureaus. Late payments, missed 
payments, or other defaults on your Account may be reflected in your credit report. If you request additional 

 
Cards on your Account for others, you understand that we may report account information in your name as well 
as in the name(s) of those additional cardholder(s).    
Credit Bureau Disputes - If you believe we inaccurately reported credit history information about you or your 
Account to a Credit Bureau, call us at 1-866-839-3485 or write us at Great Western Bank, Cardmember 
Service Center, P.O. Box 30495, Tampa, Florida 33630-3495.  
Privacy Policy and Disclosure of Account Information - A copy of our Privacy Policy was included with 
your original Agreement. You will also receive a copy at least once annually while you remain our customer. 
We also keep copies of our Privacy Policy in financial institution offices and post it on our web site. Our Privacy 
Policy describes how we collect, protect and use confidential financial and other information about you and the 
circumstances in which we might share information about you with members of our corporate family and with 
unaffiliated third parties. Our Privacy Policy also tells you how you can (1) limit the ways we share certain kinds 
of information about you and (2) request corrections to the information we maintain about you.  
Refusal to Honor Transactions - We and our agents are not responsible if anyone refuses to honor your 
Card or a Convenience Check, or if authorization for a particular transaction is not given. Although you may 
have credit available under your Account, we may be unable to authorize credit for a particular transaction. The 
number of transactions you make in one day may be limited, and the limit per day may vary. These restrictions 
are for security reasons and as a result we cannot explain the details of how this system works. If your Account 
is over the Credit Limit or delinquent, authorization of credit for transactions may be declined. We are not 
responsible for anything purchased with your Card or a Convenience Check, except as expressly required by 
applicable law (see Your Billing Rights section below for more details). You must return goods you purchased 
with the Card or Account to the merchant and not to us.  
Third Party Offers - From time to time, third parties may provide you with benefits not related to the extension 
of Account credit. We are not liable for these features, services and enhancements, as they are the sole 
responsibility of the third party provider. We and/or a third party may add, change or delete entirely these 
benefits without notice or liability to you, to the extent permitted by applicable law. You agree to hold us 
harmless from any claims, actions or damages resulting from your use of any of these features, services or 
enhancements, where permitted by applicable law.  
Telephone Monitoring and Contacting You - From time to time we may monitor and record telephone calls 
regarding your Account to ensure the quality of our service. You agree in order for us to service the Account or 
to collect any amounts you may owe, that we may from time to time make calls and/or send e-mails, and/or 
text messages to you, using prerecorded/artificial voice messages and/or through the use of an automatic 
dialing device, at any telephone number associated with your Account, including wireless telephone numbers 
that could result in charges to you, or at any e-mail address you provide to us.  
Change of Name, Address, or Telephone Number(s) - You are responsible for promptly notifying us of a 
change in your name, address (including the e-mail addresses you use for online banking with us and any 
other e-mail address(es) at which you agree to be contacted), or telephone number(s) (including any wireless 
telephone number(s)).  
Severability - If a court of competent jurisdiction finds any part of this Agreement illegal or unenforceable, the 
remaining portions of the Agreement will remain in effect as written after any such illegal or unenforceable 
portion is amended in conformance with applicable law or, if necessary, voided.  
Waiver - We do not give up our rights under the Agreement or applicable law when we fail to exercise or delay 
exercising those rights. Our failure or delay to exercise any right or remedy we have against you does not 
mean that we waive that right.  
Arbitration Provision:  
(a) You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or 
controversy between you and us that arises from or relates to this Agreement or the Account and 
credit issued thereunder (individually and collectively, a “Claim”). This does not apply to any Claim in 
which the relief sought is within the jurisdictional limits of, and could be fully and properly adjudicated 
by, a small claims court. If arbitration is chosen by any party, the following will apply:  
(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A 
JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS 
PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES.  
(2) Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of 
other persons who may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A 
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY 
GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.  

(3) The arbitration will be performed in accordance with this Arbitration Provision and the rules of the 
chosen arbitrator in effect when the Claim is filed. 
(4) The arbitrator’s decision will generally be final and binding, except for the limited right of appeal 
provided by the Federal Arbitration Act.  
(5) Other rights that you would have if you went to court might also not be available in arbitration.  
(b) The party commencing the arbitration may select to use either JAMS or the American Arbitration 
Association (“AAA”) (or, if neither of these arbitration organizations will serve, then a comparable 
substitute arbitration organization agreed upon by the parties or, if the parties cannot agree, chosen by 
a court of competent jurisdiction). If JAMS is selected, the arbitration will be handled according to its 
Streamlined Arbitration Rules unless the Claim is for $250,000 or more, in which case its 
Comprehensive Arbitration Rules shall apply. If the AAA is selected, the arbitration will be handled 
according to its Commercial Arbitration Rules. You may obtain rules and forms for JAMS by contacting 
JAMS at 1-800- 352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800-778-
7879 or www.adr.org. Any arbitration hearing that you attend will take place in the federal judicial 
district where you reside. At your request, we will advance your filing and hearing fees for any Claim 
you may file against us. If you prevail on your Claim, we will pay your arbitration costs and fees, other 
than attorney, expert and witness fees and expenses. We will also pay any fees or expenses that 
applicable law requires us to pay. The arbitrator shall apply applicable substantive law consistent with 
the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, including but not limited to applicable statutes of 
limitation, and shall honor claims of privilege recognized at law. Judgment upon the award rendered by 
the arbitrator may be entered in any court having jurisdiction.  
(c) This Arbitration Provision shall survive repayment of your extension of credit and termination of 
your Account. This Arbitration Provision shall be governed by federal law, including the Federal 
Arbitration Act, and by South Dakota law, without regard to its internal conflict of law principles, to the 
extent such state law does not conflict with federal law or this Arbitration Provision. Notwithstanding 
any language of this Agreement to the contrary, should any portion of this Arbitration Provision be 
held invalid or unenforceable by a court or other body of competent jurisdiction, this entire Arbitration 
Provision shall be automatically terminated and all other provisions of this Agreement shall remain in 
full force and effect.  

*** 
YOUR BILLING RIGHTS: Keep this Document 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 Account Statement 
If you think there is an error on your Account Statement, write to us at:  
Great Western Bank, Cardmember Service Center, P.O. Box 30495, Tampa, Florida 33630-3495  
In your letter, give us the following information:   

Account information: Your name and account number.   
Dollar amount: The Dollar amount of the suspected error.   
Description of problem: If you think there is an error on your Account Statement, describe what you 

believe is wrong and why you believe it is a mistake.   

You must contact us:   

Within 60 days after the error appeared on your Account Statement.   
At least 3 business days before an automated payment is scheduled, if you want to stop payment on 

the amount you think is wrong.   

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if 
we have already corrected the error.  

 
 
 
 
 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the 
Account Statement is correct.   

While we investigate whether or not there has been an error:   

We cannot try to collect the amount in question, or report you as delinquent on that amount.   
The charge in question may remain on your Account Statement, and we may continue to charge you 
INTEREST  CHARGES on that amount.   
While you do not have to pay the amount in question, you are responsible for the remainder of your 
balance.   
We can apply any unpaid amount against your Credit Limit.   

After we finish our investigation, one of two things will happen:   

If we made a mistake: You will not have to pay the amount in question or any INTEREST CHARGES or 

other fees related to that amount.   

If we do not believe there was a mistake: You will have to pay the amount in question, along with 

applicable INTEREST CHARGES and fees. We will send you an Account Statement of the amount you owe 
and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe.   

If you receive our explanation but still believe your Account Statement 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 Account Statement. 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 Account Statement is correct.  

Your Rights If You Are Dissatisfied With Your Card Purchases    
If you are dissatisfied with the goods or services that you have purchased with your Card and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount 
due on the purchase.  
To use this right, all of the following must be true:  
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, 
and the purchase 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 Card for the purchase. Purchases made with Cash Advances from an ATM or with 
a check that accesses your 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:  
Great Western Bank, Cardmember Service Center, P.O. Box 30495, Tampa, Florida 33630-3495  
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.  
SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH 
CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS.  

Credit Card  
Account Agreement 

I001754