�
                               Visa  Platinum Rewards Credit Card Agreement 
                            
                            
     This is a card member agreement and disclosure statement (�Agreement�) between  but was not, we will not be liable for any consequential, punitive, or incidental 
     you and Hills Bank and Trust Company containing the terms that will apply to your Hills  damages if we acted in good faith.  Our only obligation under those circumstances will 
     Bank Visa Platinum Rewards (�Account�).  In this Agreement, �you� and �your� means  be to pay the designated payee the amount of the Convenience Check and cancel any 
     each individual accepting a solicitation or applying for the Account or otherwise  charges assessed against your Account as a result of any wrongful failure to honor the 
     agreeing to be responsible for the Account.  �We�, �us�, �our�, and �the Bank� means  Convenience Check. 
     Hills Bank and Trust Company, the issuer of the Card and your Account creditor.   7.  Balance Transfers:  We may permit you to transfer balances from other 
     Other terms are defined in the text of the Agreement.  Please read this Agreement  companies, including financial institutions.  However, you cannot make Balance 
     carefully and keep it in a safe place to make the best use of the Hills Bank credit card  Transfers from the Bank accounts.  The amount of your total Credit Limit which we 
     (the �Card�) we issue with this Account.  The Agreement becomes effective as soon as  may allow to you for a Balance Transfer reduces the amount of the Credit Limit 
     you or someone authorized by you uses the Card or Account, but no later than 30  available for Purchases and Advances.  Finance Charges on your Balance Transfers 
      calendar days after we issue and you fail to return the Card.  accrue from the date of transfer to your Account.  If you reach your limit on the amount 
                                              of credit we allocate to you for one or more Balance Transfers, you may not transfer 
     ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT  additional balances even if you have not reached your total Credit Limit.  Balance 
     1.  Use:  Charging privileges on the Card and Account are provided by the Bank  Transfers will post to the Account and be separately reflected on the monthly Account 
      pursuant to the terms of this Agreement.  Charge activity, Account status, and any  statements as a Balance Transfer, or, depending upon the offer, may post to the 
      Account delinquency information will be provided to you monthly.  You may use the  Account and be treated as a Purchase, or as an Advance transaction. 
      Card to obtain an Advance (as defined below) from a participating financial institution   
      or Automated Teller Machine (ATM).  You may use the Account only for personal,  FINANCE CHARGES AND ACCOUNT FEES 
      family, or household purposes.          8.  Account Finance Charges:  Finance Charges reflect the cost of credit.  Your total 
      2.  Your Acceptance of the Agreement:  By accepting, signing, or using this Card or  Finance Charge for any billing cycle will equal the amount of any (a) periodic rate 
      Account, or by continued use of an existing Card or Account, you are agreeing to the  Finance Charges (sometimes referred to as �interest� here and on your monthly 
      terms of this Agreement.               Account statement); (b) Advance transaction fees; and (c) any other transaction fees 
      3.  Account Purchases:  You may use the Account to buy, lease, or otherwise obtain  that are considered Finance Charges.  In some of the following sections we have 
      goods or services from participating merchants (including transactions you initiate via  abbreviated the terms �monthly periodic rate� as MPR, �average daily balance� as 
      email, by telephone, or over the Internet) or take advantage of special promotional  �ADB�, and �annual percentage rate� as �APR�. 
      Convenience Check or Balance Transfer offers that post as Purchase Transactions  9.1  Interest Rate:  The APRs and the corresponding monthly periodic interest rates 
      (�Purchases�).  We will, in connection with any promotional Balance Transfer or  are listed on the attached rates and fee table.  The Prime Rate used to calculate the 
      Convenience Check offer we make, provide you with materials that explain whether  APR will be the Prime Rate on the 15th day of each month or the first regular business 
     those transactions will post and be treated as a Purchase.  Even if you have not  day thereafter as published on that business day in the Money Rates column of The 
     signed a sales draft or the merchant has not supplied you with a written receipt or  Wall Street Journal (�WSJ�).  The APR may increase if the Prime Rate increases.  An 
     other proof of sale, you are responsible for all Purchases made through the Account,  increase will take effect the day after your statement cycles following the 15th of the 
     except as expressly limited by applicable law.  See �Your Billing Rights� section for  month.  An increase will result in an increase in the finance charge and it may have the 
     more detail.                             effect of increasing your periodic minimum payment.  The APR will not change more 
     4.  Account Advances:  Advances are transactions other than Purchases that allow  often than once a month.  A decrease will have the opposite effect of an increase.  If 
     you direct access to funds available through your Account.  Advances may include  the Prime Rate changes more frequently than the APR, we will always use the Prime 
     Account transactions such as cash advances you obtain directly from us, other  Rate in effect on the day we adjust the APR to determine the new APR.  In such case 
     participating financial institutions, ATMs, Telephone Transfers, Balance Transfers, or  we will ignore any changes in the Prime Rate that occur between APR adjustments.  
     Convenience Checks.  Monthly Account statements we issue may refer to Advances  Any rate change will be applied to all balances carried forward from the last statement.  
     as �Advance�, �Cash�, �Cash Advances� or by the product or device you used to obtain  We reserve the right to choose a comparable new index if the WSJ ceases to publish 
     an Advance.  You may use your Account to obtain cash either by presenting your Card  a Prime Rate. 
     at any bank or other financial institution that accepts the Card or by making a  9.2  Interest Rate for Cash Advances:  The MPR and the corresponding variable 
     withdrawal of cash at an ATM.  We may restrict the amount of the credit limit that is  APR will be determined by adding eleven percentage points (11.0%) to the Prime Rate 
     available for Advances.  If an Advance limit greater than the percentage available is  in respect to the Account for the billing cycle.  The Prime Rate used to calculate the 
     requested, it will be subject to credit approval.  You may be limited in the amount  APR will be the Prime Rate on the 15th day of each month or the first regular business 
     and/or number of Advances you may make on your Account.  day thereafter as published on that business day in the Money Rates column of WSJ.  
     5.  Convenience Checks:  From time to time, we may supply Convenience Checks  The APR may increase if the Prime Rate increases.  An increase will take effect the 
     for use by the person(s) named on those checks.  Convenience Checks are drafts that  day after your statement cycles following the 15th of the month.  An increase will result 
     look like other checks, but are drawn on credit available in the Account.  We may,  in an increase in the finance charge and it may have the effect of increasing your 
     based on the particular offers we make from time to time, provide Convenience  periodic minimum payment.  The APR will not change more often than once a month.  
     Checks that will post and be treated as an Advance or Convenience Check that will  A decrease will have the opposite effect of an increase.  If the Prime Rate changes 
     post and be treated as a Purchase.  We will, in connection with any Convenience  more frequently than the APR, we will always use the Prime Rate in effect on the day 
     Check we provide, include materials that explain whether the Convenience Check will  we adjust the APR to determine the new APR.  In such case we will ignore any 
     post and be treated as an Advance or as a Purchase.  Convenience Checks must be  changes in the Prime Rate that occur between APR adjustments.  Any rate change will 
     written in U.S. dollars.  We may return a Convenience Check unpaid if:    be applied to all balances carried forward from the last statement.  We reserve the 
     (a) the credit available under your Credit Limit is less than the Convenience Check  right to choose a comparable new index if the WSJ ceases to publish a Prime Rate. 
     amount;                                  10.  Interest Finance Charge:  Finance Charges on your account for Purchases and 
     (b) the Account is in default; or        Advances are calculated separately.   
      (c) the Convenience Check is improperly signed or otherwise fails to conform to our  Purchases (Method G)   
      regularly accepted standards for check payment.  Convenience Checks may not be  A Finance Charge will be imposed on Purchases only if you elect not to pay the entire 
      used to pay the Account or any obligation you owe us or our affiliates.  New Balance shown on your previous monthly statement within 25 days from the 
      6.  Paying and Stopping Payment on Convenience Checks:  You must use the  closing date on the statement.  If you elect not to pay the entire New Balance shown 
      number and address provided in the �Lost or Stolen Card or Convenience Checks�  on your previous monthly statement within 25 days from the closing date on the 
      section below to request that payment be stopped on a Convenience Check.  You  statement, a Finance Charge will be imposed on the unpaid balance of purchases 
      must call us promptly with an oral stop payment request and then provide us with a  from the statement closing date (including new Purchases) and will continue to accrue 
      written confirmation of the stop payment request within 14 calendar days.  Any stop  until the closing date of the billing cycle preceding the date on which the entire New 
      payment request we receive will remain in effect for 6 months, unless you renew the  Balance is paid in full or until the date of payment if more than 25 days from the 
      request in writing before the end of that time.  We may pay Convenience Checks more  closing date. 
      than 6 months old.  There may be circumstances under which a Convenience Check  The Finance Charge for a billing cycle is computed by applying the Monthly Periodic 
      must be paid, even if we have received a stop payment request from you.  We will not  Rate (which is the APR divided by 12 months) to the Average Daily Balance of 
      be liable to you if we do not honor your stop payment request under those  Purchases, which is determined by dividing the sum of the daily balance of Purchases 
      circumstances.  If it is determined that a Convenience Check should have been paid,  during the billing cycle by the number of days in the cycle.  Each daily balance is the 
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                               Visa  Platinum Rewards Credit Card Agreement 
                            
                            
     principal balance including current cycle Purchases and payments and credits as  make available to you.  (Also see the �Advance Limits� section for more information 
     received, but excluding any unpaid Finance Charges.  about Limits on Advance transactions section.) 
     Cash Advances (Method A)                14.  Payment: 
     A Finance Charge will be imposed on Advances from the date of the Advance or from  (a)  Promise to Pay:  You agree to pay for all Purchases, Advances, Finance 
     the first day of the billing cycle in which the Advance is posted to the Account,  Charges, fees, and any other obligations incurred on the Account. 
     whichever is later, and will continue to accrue until the date of payment.  The Finance  (b)  Method of Payment:  You must pay us in U.S. dollars with checks or similar 
     Charge for a billing cycle is computed by applying the Monthly Periodic Rate (which is  payment instruments drawn on a financial institution located in the United States.  We 
     the APR divided by 12 months) to the Average Daily Balance and Advances which is  may, at our option, choose to make an exception and accept a payment drawn on a 
     determined by dividing the sum of the daily balances of Advances during the billing  foreign bank.  However, you will be charged and agree to pay any collection fees 
     cycle by the number of days in the cycle.  Each daily balance is determined by adding  required in connection with such a transaction.  The date you mail a payment is 
     to the Previous Balance (the outstanding balance of your Account at the beginning of  different than the date we receive payment. For purposes of this Agreement, the 
     the billing cycle) any Purchase as of the date it is posted to your Account and any  payment date is the day we receive your check or money order at the address 
     Advances as of the transaction date or the first day of the billing cycle in which the  specified on your monthly Account statement.  If you mail your payment without a 
     Advance is posted to the Account, whichever is later, and subtracting all payments as  payment coupon or to an incorrect address, it may result in a delayed credit to your 
     received and credits as posted through that date, but excluding any unpaid Finance  Account.  This may result in additional Finance Charges, fees, and possible 
     Charges.                                suspension of your Account. 
     Any Finance Charge shown on your monthly statement is computed only through the  (c)  Minimum Monthly Payment:  Each month you must pay at least the Minimum 
     last date of the billing cycle.  Since Finance Charges continue to accrue until the date  Payment and any past due Minimum Payment by the Payment Due Date shown in 
     your payment is received and posted to your Account, additional Finance Charges  your monthly Account statement.  Your Minimum Payment for Purchases and Cash 
     may appear on the following month�s statement.  The amount of the Finance Charge  Advances is 3.0%, rounded up to the nearest dollar, of the total Purchase and Cash 
     and the Advance Fee may be changed from time to time.  There is a minimum Finance  Advance balance (excluding late payment), or $25.00 � whichever is greater.  In 
     Charge of 50 cents in any billing cycle in which a Finance Charge is due.  addition, your Minimum Payment will include all amounts delinquent, and amounts in 
     11.  Grace Period:  You have a 25 day Grace Period for Purchases (including any  excess of your Credit Limit.  If your outstanding Purchase and Cash Advance balance 
     promotional Balance Transfers or Convenience Checks that will post as Purchases),  is less than $25.00 then the entire balance is due.  You also may pay the entire 
     provided you have paid your Previous Balance in full by the Payment Due Date shown  balance on your Account at any time or pay any amount between the Minimum 
     on your monthly Account statement.  In order to avoid additional Finance Charges on  Payment and your entire balance.  Any changes in your Minimum Payment due will be 
     Purchases, you must pay your New Balance in full by the Payment Due Date shown  reflected on your monthly statement in the month in which the Minimum Payment due 
     on the front of your monthly Account statement.  There is no grace period for  is affected.  However, in all cases, you may continue to pay any amount equal to or 
     transactions that post to the Account as Advances.  Those transactions are subject to  greater than the Minimum Payment due.   
     interest from the date they post to the Account until the date they are paid in full.  (d)  Application of Payment:  We may allocate payments to amounts owed on your 
     12.  Account Fees:  We may charge the following fees.  The amounts of these fees  Account in the manner we deem appropriate, including but not limited to, applying 
     are listed in the attached rates and fee table.   payment to promotional balances, such as Balance Transfers, before applying them to 
     (a)  Cash Advance Transaction Fee:  We will add a Finance Charge to the Advance  Purchases and Advances.   
     balance of the Account in the form of the Advance Transaction Fees disclosed below  15.  Change of Address:  Your monthly Account statements and notices about your 
     for each Advance you obtain during a billing cycle.  The fees imposed will equal the  Account will be sent to the address you provided in your application or your response 
     greater of the fees based on a disclosed percentage of each Advance of the minimum  to our Account solicitation.  To change your address, you must call us at 1-800-445-
     dollar amount, shown below.             5725 or write to us at the following address:   
         CASH RECEIVED  PERCENTAGE  MINIMUM       eServices Department 
         FROM:        OF CASH FEE:  MAXIMUM:      Hills Bank and Trust Company  
         FINANCIAL INSTITUTION    3.0%  $ 5.00    131 Main Street 
         OR ATM                $15.00             P.O. Box 160 
     (b)  Annual Fee:  $15.00                     Hills, Iowa 52235 
     (c)  Late Payment Fee:  We will add a Late Payment Fee of $27.00 to the Purchase  We must receive this information 15 days before the date a billing cycle closes to 
     balance of the Account if your Minimum Payment is not received by the Payment Due  provide your monthly Account statement at your new address.  Note: If you have an 
     Date shown on the monthly Account statement.  address change within 45 days of the expiration date of your Card(s), please contact 
     (d)  Returned Payment Fee:  We will add a Returned Payment Fee of $27.00 to the  the Hills Bank Contact Center at 1-800-445-5725 with that information so your new 
     Purchase balance of the Account if a draft or check you give us as payment on the  Card(s) can be mailed to your new address. 
     Account is not honored or if we must return it to you because it cannot be processed.   16.  Authorized Use:  You agree not to give your Card to anyone else or to authorize 
     A check that is returned unpaid may be sent for collection.  anyone to use the Account.  If you give your Card or Account number to someone and 
     (e)  Returned Convenience Check Fee:  We may charge a fee of $35.00 to the  they use either, you will be liable for any charges that the person incurs. 
     Purchase balance of the Account if you write a Convenience Check that we do not  17.  Lost or Stolen Card or Convenience Checks:  You must notify us immediately if 
     honor under the terms of this Agreement.  (See �Convenience Checks�, and �Paying  your Card or Convenience Checks are lost or stolen or there is possible unauthorized 
     and Stopping Payment on Convenience Checks� sections for more details).   use of your Card or Account.  You will not be liable in excess of $50.00 for any theft or 
     (f)  ATM Surcharges:  When you use an ATM not owned by us, you may be charged  loss for purchase charges that occur after notification to the Bank.  Notify the 
     a fee by the ATM owner or network used to complete the transaction and you may be  eServices Department by phone at 1-800-445-5725, or 1-800-423-7503 or in writing to: 
     charged for a balance inquiry.                eServices Department 
     (g)  Card Usage Reports Fee:  We may offer additional reports regarding Card usage  Hills Bank and Trust Company  
     and Account transactions which will be provided upon your request for an agreed upon  131 Main Street 
     fee.                                          P.O. Box 160 
     (h)  Foreign Transactions:  A 1.0% fee is assessed only on international transactions  Hills, Iowa 52235 
     when a currency conversion occurs.  Visa will also impose a 0.8% fee on foreign  If this happens, we will ask you and all other persons given Account access to return 
     transactions where a currency conversion is not performed.       all Cards and unused Convenience Checks to our eServices Department.  In addition, 
                                              we have the right to close your Account and open a new Account.  If we do so, new 
     IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT  Cards and Convenience Checks will be issued for your new Account.   
     13.  Credit Limit:  The Account Credit Limit is the maximum amount of credit available  18.  U.S. Currency:  If you make a Purchase or Cash Advance in foreign currency the 
     and the maximum amount that you may owe under the Account at any time.  You may  transaction will be converted into U.S. Dollars by Visa.   
     not request or obtain additional Purchases, Advances, or Balance Transfers once you  For Visa Accounts: To the extent that you have used your Visa card to Purchase 
     have reached your Credit Limit.  The initial Credit Limit is shown on the Card carrier  goods or services, or obtain cash in another country, your statement may reflect the 
     and will also appear on your monthly Account statement.  We reserve the right to  conversion into U.S. dollars of transactions that occurred, initially, in a different 
     review your Account at any time and increase or decrease your Credit Limit.  You may  currency.  The exchange rate applied to such transactions is a (i) wholesale market 
     not increase your Credit Limit by carrying a credit balance over the Credit Limit we  rate or (ii) government-mandated rate in effect one day prior to the processing date, 
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                               Visa  Platinum Rewards Credit Card Agreement 
                            
                            
     increased by one percent.  We reserve the right to charge you an additional one  eServices Department 
     percent (1.0%) of the U.S. dollar amount of any international transaction, whether that      Hills Bank and Trust Company  
     transaction was originally made in U.S. dollars or was made in another currency and       131 Main Street 
     converted to U.S. dollars by Visa or MasterCard.  In either case, the 1.0% will be       P.O. Box 160 
     calculated on the U.S. dollar amount provided to us by that entity.  The same process       Hills, Iowa 52235 
      and charges may apply if any international transaction is reversed.    26.  Changing the Agreement:  The Bank may change all or any part of this 
                                             Agreement at any time, including changing the APR and other fees on the Account, 
     YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT  unless prohibited by law.  We will give at least 30 days notice before the effective date 
     19.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances,  of any change.  On the effective date, the changes, including any changes in APR or 
     Balance Transfers, Finance Charges, Account Fees and charges, any other  recalculation of Finance Charges, will apply to all amounts you owe at the time the 
     transaction charges as provided in this Agreement and, to the extent permitted under  change goes into effect.  If you do not agree to the changes, you must notify us in 
     applicable law, attorneys fees, and collection costs we incur enforcing this Agreement  writing within 25 days after the effective date of the change; you also must pay any 
     against you.  This is the case even if the Account is only used by you, or someone to  remaining amount due and destroy the Card.  You may pay the remaining amount all 
     whom you�ve given access to the Account.    at once or the Bank may allow you to continue making payments under the existing 
      20.  Liability for Charges:  You are individually liable and you and the individual or  terms.  Otherwise, you will have agreed to the changes in the notice.  Use of the 
     co-obligor(s) who accepted the application for credit, if any, are jointly liable for all  Account after the effective date of the changes shall be deemed acceptance of the 
     charges to the Account including, without limitation, all fees and Finance Charges.   new terms, even if the 25 days have not expired. 
     21.  Intent to Repay:  Every time you use the Account, you represent to us that you  27.  Cancellation: 
     intend and have the reasonable ability to repay your Account obligations.  We rely on  (a)  The Bank may cancel the Account or suspend credit privileges immediately and 
     that representation every time you use the Account.    without notice if the Account is in default.  We may also cancel the Account in our sole 
     22.  Settling a Disputed Balance:  Payment in Full � If you want to settle a  discretion (even if the Account is not in default) by providing notice to you.  You may 
     disagreement with us about any amount you owe by sending a check on which you  cancel the Account by providing notice to us. 
     have written �Payment in Full� or similar language, you must send us a written  (b)  After cancellation of the Account, you will not be able to obtain additional credit on 
     explanation of the disagreement and dispute and send such check to:  the Account and must agree not to use the Account.  All amounts outstanding on the 
          eServices Department               Account will be immediately due and payable without notice or demand. 
          Hills Bank and Trust Company       (c)  If you fail to pay any amount you owe under this Agreement, you will be liable for 
           131 Main Street                   our costs of collecting.  In addition, if we refer our claim to an attorney for collection, 
           P.O. Box 160                      you will be liable for reasonable attorney�s fees we incur and expenses of any legal 
           Hills, Iowa 52235                 actions. 
     (See �Your Billing Rights� section for complete details.) Writing �Payment in Full� or  28.  Assignment of Your Account to Another Creditor:  We may assign, sell, or 
     similar language on the check will not be enough to resolve the dispute.  If we collect a  transfer your Account and amounts owed by you to another creditor at any time.  If we 
     check or any payment instrument marked �Paid in Full� that you send without a written  do, this Agreement will still be in effect unless and until amended and any references 
     explanation of the disagreement or dispute, we will not have waived our right to collect  made in this Agreement to �we�, �us�, �our�, or �the Bank� will refer to the creditor to 
     any remaining amount you owe us under the terms of the Account.    which we assigned, sold, or transferred the Account or amounts owed under the 
     23.  Default:  You and the Account will be in default if:  Account.  You may not delegate your obligation and responsibilities to us to any third 
     (a)  you do not make the Minimum Payment by the Payment Due Date (disclosed on  party without our express written consent. 
     the monthly Account statement as the Payment Due Date);   
     (b)  you violate any other provision of this Agreement;  THE BANK�S LEGAL RIGHTS AND OBLIGATIONS 
     (c)  you become insolvent, assign any property to your creditors, or go into bankruptcy      29.  Collecting Credit Information About You:  You authorize us to make any credit, 
     or receivership;                        employment, and investigative inquiries we feel are appropriate related to giving you 
     (d)  you have made false statements affecting the application or maintenance of your  credit or collecting amounts owed on your Account.  You agree that a consumer credit 
     Account;                                report or business bureau file request, as applicable, may be requested periodically 
     (e)  you go over your Credit Limit;     from one or more credit reporting agencies (credit bureaus) and used in connection 
     (f)  we have any reason to believe that the Account is in danger of, or is being used for  with your application and any update, renewal, or extension of credit.  We may provide 
     fraud; or                               information about you, your Account, or your credit history to credit reporting agencies 
     (g)  anything happens that we believe in good faith materially increases the risk that  and others who may properly receive that information. 
     you will not live up to your payment and other obligations under this Agreement.  30.  Credit Bureau Disputes:  If you believe we inaccurately reported credit history 
     If you are in default, we may, to the extent permitted by applicable law, set-off, and  information about you or the Account to a credit bureau, call us at 1-800-445-5725 or 
     withdraw any portion or all of the amount due under your Account Agreement against  write to us at:  
     any balance, credit, deposits, accounts, or other property of yours in our possession,       eServices Department 
     after giving you any notice required by applicable law.  Should the obligation fall    Hills Bank and Trust Company  
     delinquent, and a judgment is obtained then the judgment shall accrue interest at the        131 Main Street 
     rate of 18.0% per annum until the judgment is Paid in Full.         P.O. Box 160 
     24.  Illegal Purchases:  The Card must not be used for any unlawful purpose, such as        Hills, Iowa 52235 
     tending any account that is set up to facilitate online gambling.  You agree that you will  31.  Refusal to Honor Transactions:  The Bank and its agents are not responsible if 
     not use or knowingly permit another to use the Card or Account for any transaction  anyone refuses to honor your Card or a Convenience Check, or if authorization for a 
     that is illegal under applicable law.    particular transaction is not given.  Although you may have credit available under the 
                                              Account, we may be unable to authorize credit for a particular transaction.  The 
     THE BANK�S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT  number of transactions you make as well as the dollar amount you may withdraw from 
     25.  Ownership of this Account; Governing Law:  Your Card and any other Account  or charge to your Account in one day may be limited, and the limit per day may vary.  
     access devices that we supply to you are our property, and must be immediately  These restrictions are for security reasons.  And, as a result, we cannot explain the 
     returned to us or otherwise destroyed or surrendered as we instruct.  We extend all  details of how this system works.  If your Account is over limit or delinquent, 
     Account credit to you in and from the State of Iowa, regardless of where you reside or  authorization of credit for transaction may be declined.  We are not responsible for 
     use the Account.  This Agreement is governed by Iowa law, and, to the extent  anything Purchased with your Card or a Convenience Check, except as expressly 
     necessary for interest exportation or consumer protection purposes, by federal law,  required by applicable law (see �Your Billing Rights� section for more details.)  You 
     regardless of the internal conflict of law principles of the state where you reside or use  must return goods you Purchased with the Card or Account to the Merchant and not to 
     the Account.  If a dispute arises and you file a lawsuit against us, service or process  us.  Third party offers: From time to time, third parties may provide you with benefits 
     must be made on the Bank at the following address:    not related to the extension of Account credit.  We are not liable for these features, 
                                              services, and enhancements, as they are the sole responsibility of the third party 
                                              provider.  The Bank and/or third party may add, change, or delete entirely these 
                                              benefits without notice or liability to you, to the extent permitted by applicable law.  You 
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                               Visa  Platinum Rewards Credit Card Agreement 
                            
                            
     agree to hold us harmless from any claim, actions, or damages resulting from your use  (a) Within 60 days after the error appeared on your statement. 
     of any of these features, services, or enhancements, when permitted by applicable  (b) At least 3 business days before an automated payment is scheduled, if you want to 
     law.                                     stop payment on the amount you think is wrong. 
     32.  Telephone Monitoring:  From time to time, we may monitor telephone calls you  You must notify us of any potential errors in writing [or electronically]. You may call us, 
     make to us or our agents.                but if you do we are not required to investigate any potential errors and you may have 
     33.  Severability:  If a court of competent jurisdiction finds any part of this Agreement  to pay the amount in question. 
     illegal or unenforceable, the remaining portions of the Agreement will remain in effect  What will happen after we receive your letter 
     as written after any such illegal or unenforceability porting is amended in compliance  When we receive your letter, we must do two things: 
     with applicable law or, if necessary, voided.  (a) Within 30 days of receiving your letter, we must tell you that we received your 
      34.  Entire Agreement:  This version of the Agreement replaces any previous  letter. We will also tell you if we have already corrected the error.  
      versions of the Agreement.  The Agreement, as modified by any change in terms we  (b) Within 90 days of receiving your letter, we must either correct the error or explain to 
      may deliver from time to time in accordance with applicable law, constitutes the entire  you why we believe the bill is correct. 
      agreement between you and us, and supersedes any prior negotiation or  While we investigate whether or not there has been an error 
      understanding between you and us concerning the subject matter of the Agreement.  (a) We cannot try to collect the amount in question, or report you as delinquent on that 
      35.  Waiver:  We do not give up our rights under the Agreement or applicable law  amount 
      when we fail to exercise or delay exercising these rights.  Our failure or delay to  (b) The charge in question may remain on your statement, and we may continue to 
      exercise any right or remedy we have against you does not mean that we waive that  charge you interest on that amount. 
      right.                                  (c) While you do not have to pay the amount in question, you are responsible for the 
      36.  Arbitration:  In requesting an Agreement from us and accepting the Agreement,  remainder of your balance. 
      you agree that if a dispute of any kind arises out of this Agreement, either you or we  (d) We can apply any unpaid amount against your credit limit. 
      may choose to have that dispute resolved by binding arbitration.  If arbitration is  After we finish our investigation, one of two things will happen: 
      chosen by any party, neither you nor we will have the right to litigate that claim in court  If we made a mistake 
      or to have a jury trial on that claim, or to engage in pre-arbitration discovery, except as  (a) You will not have to pay the amount in question or any interest or other 
      provided for in the arbitration rules.  In addition, you will not have the right to  fees related to that amount. 
      participate as a representative or member of any class of claimants pertaining to any  (b) If we do not believe there was a mistake: You will have to pay the amount in 
      claim subject to arbitration.  The Arbitrator�s decision will generally be final and  question, along with applicable interest and fees. We will send you a statement of the 
      binding.  Other rights that you would have if you went to court, may also not be  amount you owe and the date payment is due. We may then report you as delinquent 
      available in arbitration.  It is important that you read the entire Arbitration Provision  if you do not pay the amount we think you owe. 
      carefully before accepting the terms of this Agreement.  If you receive our explanation but still believe your bill is wrong, you must write to us 
      Any claim, dispute, or controversy (whether in contract, regulatory, tort, or otherwise,  within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
      whether pre-existing, present, or future and including constitutional, statutory, common  as delinquent without also reporting that you are questioning your bill. We must tell you 
      law, intentional tort, and equitable claims) arising from or relating to (a) the Card it  the name of anyone to whom we reported you as delinquent, and we must let those 
      offered or provided to you; (b) the actions of you, or third parties; or (c) the validity of  organizations know when the matter has been settled between us. 
      this arbitration provision individually and collective, (a �Claim�) must, after an election  If we do not follow all of the rules above, you do not have to pay the first $50 of the 
      by you or us, be resolved by binding arbitration in accordance with this arbitration  amount you question even if your bill is correct. 
      provision and the Commercial Arbitration Rules of the American Arbitration Association  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
      (�AAA�) in effect when the Claim is filed (or, in the event this arbitrator or these  If you are dissatisfied with the goods or services that you have purchased with your 
      arbitration rules are no longer available, then a comparable substitute arbitration  credit card, and you have tried in good faith to correct the problem with the merchant, 
      procedure and/or arbitration organization that does business on a nationwide basis).   you may have the right not to pay the remaining amount due on the purchase. 
      There shall be no authority for any Claim to be arbitrated on a class action basis.  An  To use this right, all of the following must be true: 
      arbitration can only decide our or your Claim and may not consolidate or join the  (a) The purchase must have been made in your home state or within 100 miles of your 
      claims of other persons who may have similar Claims.  You may obtain rules and  current mailing address, and the purchase price must have been more than $50. 
      forms by calling the AAA at 1-800-778-7879.  Any arbitration hearing that you attend  (Note: Neither of these are necessary if your purchase was based on an advertisement 
      will take place in the federal judicial district where you reside.  At your request, we will  we mailed to you, or if we own the company that sold you the goods or services.) 
      advance the first $250.00 of the filing and hearing fees for any Claim you may file  (b) You must have used your credit card for the purchase. Purchases made with cash 
      against us.  The arbitrator will decide whether we or you will ultimately pay those fees.   advances from an ATM or with a check that accesses your credit card account do not 
      The arbitrator shall apply applicable substantive law consistent with the Federal  qualify. 
      Arbitration Act (FAA) and applicable statutes of limitation, and shall honor claims of  (c) You must not yet have fully paid for the purchase. 
      privilege recognized at law.  Judgment upon the award rendered by the arbitrator may  If all of the criteria above are met and you are still dissatisfied with the purchase, 
      be entered in any court having jurisdiction.  This Arbitration Provision shall survive  contact us in writing [or electronically] at: 
      repayment of your extension of credit and termination of your Account.  The Arbitration    eServices Department 
      Provision shall be governed by the FAA, 9 U.S.C. �1 through �6.    Hills Bank and Trust Company 
                                                      131 Main Street 
      YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE         P.O. Box 160 
      This notice tells you about your rights and our responsibilities under the Fair Credit         Hills, Iowa 52235 
      Billing Act.                                www.HillsBank.com 
      37. What to do if you find a mistake on your statement  While we investigate, the same rules apply to the disputed amount as discussed 
      If you think there is an error on your statement, write to us at:  above. After we finish our investigation, we will tell you our decision. At that point, if we 
           eServices Department               think you owe an amount and you do not pay, we may report you as delinquent. 
           Hills Bank and Trust Company        
            131 Main Street                    
            P.O. Box 160 
            Hills, Iowa 52235 
           You may also want to contact us at www.HillsBank.com.  
       
      In your letter, give us the following information: 
      (a) Account information: Your name and account number. 
      (b) Dollar amount: The dollar amount of the suspected error. 
      (c) Description of problem: If you think there is an error on your bill, describe what you 
      believe is   wrong and why you believe it is a mistake. 
      You must contact us: 
                                                                       Effective 10/05 | Revision 12/15 
                                           4 
                                                                       
                                 � 
      Hills Bank            Visa  Platinum Rewards Credit Card Agreement
                                             Rates and Fees Table
      and Trust Company
                   INTEREST RATES AND INTEREST CHARGES
      Annual Percentage       10.50% to 13.50% when you open your account based on your 
      Rate (APR) for Purchases/  credit worthiness. This APR will vary with the market based on the 
      Balance Transfers       Prime Rate.
      APR for Cash Advances   14.50% this APR will vary with the market based on the Prime Rate.
      How to Avoid Paying                  Your due date is at least 25 days after the close of each billing     
      Interest on Purchases   cycle. Hills Bank will not charge you any interest on purchases if 
                              you pay your entire balance by the due date each month.
      Minimum Interest Charge If you are charged interest the charge will be no less than $0.50.
      For Credit Card Tips from  To learn more about factors to consider when applying for or using
      the Federal Reserve Board a credit card, visit the website of the Consumer Financial Protection 
                              Bureau at http://www.consumer?nance.gov/learnmore.
                                        FEES
      Annual Fee              $15.00 charged on the anniversary date of the card.
      Transaction Fees
      � Cash Advance          � Either $5.00 or 3.00% of the amount of each cash advance,   
                                whichever is greater, with a maximum fee of $15.00.
      � Foreign Transaction   � 1.0% when a currency conversion occurs. 0.8% when a              
                                currency conversion is not performed.
      Penalty Fees
      � Late Payment          � up to $27.00
      � Returned Payment      � up to $27.00
      � Returned Convenience Check � up to $35.00
     How we will calculate your balance: 
     �  We use a method called �average daily balance (including new purchases)�
     Prime Rate: 
     �  Variable APRs are based on the 3.50% Prime Rate as of December 17, 2015.
     �  We add 7.00% to 10.00% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate 
        currently 0.875% to 1.125%).
     �  We add 11.00% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.20833%).
     Billing Rights: 
     �  Information on your rights to dispute transactions and how to exercise those rights is provided in the attached                                   
        account agreement. 
                      eServices Department � 131 Main St � PO Box 160 � Hills, IA 52235 � 1-800-445-5725 
               Cedar Rapids Downtown � Cedar Rapids Northeast � Cedar Rapids Southwest � Coralville � Hills � Iowa City Downtown � Iowa City Eastside 
              Iowa City South Gilbert � Kalona � Lisbon � Marion � Mount Vernon � North Liberty � Washington � Wellman � Member FDIC � HillsBank.com
                                                                              Rev. 12/15