Annual Percentage Rate 0.0%
(APR) for Purchases

APR for Initial Balance
Transfer

0.0%

APR for Cash Advances 0.0%

19.9%

19.9%

http://www.federalreserve.gov/creditcard.

Paying Interest

Minimum Interest
Charge

For Credit Card Tips
from the Federal
Reserve Board

Set-up and
Maintenance
Fees

Transaction Fees

Penalty Fees

None

$84.00

$5.00

3%

$10.00

3%

$35.00

$35.00

How We Will Calculate Your Balance:

Billing Rights:

FEES AND INTEREST CHARGES:

Periodic INTEREST CHARGES: INTEREST CHARGES
INTEREST CHARGES

FEES AND INTEREST CHARGES:

INTEREST CHARGES

Computing Periodic INTEREST CHARGES:

INTEREST CHARGE

INTEREST CHARGES

INTEREST CHARGES

ANNUAL PERCENTAGE RATE

ANNUAL PERCENTAGE RATE

ANNUAL PERCENTAGE RATE (APR)

well as Purchases and Cash Advances.

ANNUAL PERCENTAGE RATE

This ANNUAL PERCENTAGE RATE will be applied to fees assessed to your Credit Account as

Minimum INTEREST CHARGE:

INTEREST CHARGE

INTEREST CHARGE

Monthly Servicing Fee:

Cash Advance Fee:

INTEREST CHARGE

Foreign Currency Transaction Fee:
Late Fee:
Return Item Charge:

Additional Card Fee:

Credit Limit Increase Fee:

OTHER CHARGES:

Copying Fee:
Credit Insurance:
Express Delivery Fee:
Wire Transfer Fee:
Minimum Payment: Cutoff Time and Form of Payment:

See the Credit Card Contract for further information regarding this
Credit Account. Retain these important documents.

for the applicable central processing date, in each instance, plus a foreign 
currency transaction fee in the amount disclosed on your Account Opening 
Disclosures  printed  on  the  card  carrier  containing  your  Card.  This  fee  will 
be paid to us and applied to all transactions posted to your Credit Account 
in  a  foreign  currency,  including  all  Purchase  transactions,  Cash  Advance 
transactions, ATM transactions and returns and adjustments (e.g., for returned 
merchandise).  The  currency  conversion  rate  used  on  the  processing  date 
may be different than the rate that was in effect on the date you conducted the 
transaction. We do not set the currency conversion rate, and we do not receive 
any portion of it. We do, however, receive a foreign currency transaction fee 
as disclosed on your Account Opening Disclosures printed on the card carrier 
containing your card.
Prohibition on Gambling and Illegal Transactions: Your Card and Credit 
Account may not be used in connection with any gambling transaction (whether 
legal or illegal). Also, your Card and Credit Account may be used only for valid 
and lawful purposes. If you use, or allow someone else to use your Card or 
Credit Account for any unlawful purpose or for any gambling transaction, you 
will be responsible for such use and may be required to reimburse us for all 
amounts or expenses we pay as a result of such use.
Call Recording: We reserve the right to monitor and/or record telephone calls 
for quality and training purposes. This includes both calls to and originated by 
First PREMIER Bank, PREMIER Bankcard, LLC, or any of our affiliates or 
service providers.

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 Statement: If you think there is 
an error on your statement, write to us at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
(You may also contact us on the Web:  www.mypremiercreditcard.com.)
In your letter, give us the following information:
• Account information: Your name and Credit Account Number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe 
what you believe is wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your Statement.
• At least three 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 (or electronically). 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 bill 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 Statement, and we may continue 
to charge you interest 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 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 and fees. We will send you a statement 
of the amount you owe and the date payment is due. We may then report you 
as delinquent if you do not pay the amount we think you owe.
If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must 
write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has 
been settled between us.
If  we  do  not  follow  all  of  the  rules  above,  you  do  not  have  to  pay  the  first 
$50.00 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases: If 
you are dissatisfied with the goods or services that you have purchased with 
your credit Card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due 
on the Purchase.
To use this right, all of the following must be true:
(1) The Purchase must have been made in your home state or within 100 
miles of your current mailing address, and the Purchase price must have been 
more than $50.00.  (Note: Neither of these are necessary if your Purchase 
was based on an advertisement we mailed to you, or if we own the company 
that sold you the goods or services.)  
(2) You must have used your credit Card for the Purchase. Purchases made 
with Cash Advances from an ATM or with a check that accesses your Credit 
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 (or electronically) at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
     www.mypremiercreditcard.com
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. 
Your Liability for Unauthorized Use of Your Credit Account: You will not 
be liable for unauthorized use of your Card or Credit Account. However, to 
protect your rights, you are required to notify us orally or in writing as soon as 
you are aware that your Card or Credit Account has been lost, stolen or used 
without your consent. Certain exceptions apply and you may be liable for up 
to $50.00. To notify us of the loss, theft or possible unauthorized use of your 
Card, call us at 1-800-987-5521, 24 hours a day. 

STATE DISCLOSURES
California Residents: A married applicant may apply for a separate Credit 
Account. As required by law, you are hereby notified that a negative credit 
reporting reflecting on your credit record may be submitted to a Consumer 
Reporting Agency if you fail to fulfill the terms of your credit obligations. After 
credit approval, each applicant shall have the right to use the Credit Account 
up to the limit of the Credit Account. Each applicant may be liable for amounts 
extended under the plan to any joint applicant.
Delaware Residents: Service charges not in excess of those permitted by 
law will be charged on the outstanding balances from month to month.
Kentucky Residents: You may pay the unpaid balance of your Credit Account 
in whole or in part at any time.
Maine  Residents:  Credit  insurance  provided  herein  is  voluntary  and  you 
have the right to cancel such credit insurance at any time.
New  York  and  Vermont  Residents:  First  PREMIER  Bank  may  obtain  a 
consumer  report  for  any  legitimate  purpose  in  connection  with  your  Credit 
Account or your application, including but not limited to reviewing, modifying, 

renewing and collecting on your Credit Account. Upon your request, we (First 
PREMIER Bank) will inform you of the names and addresses of any Consumer 
Reporting Agencies that have furnished the reports.  New York residents may 
contact the New York State Banking Department (1-877-226-5697) to obtain 
a comparative list of credit card rates, fees and grace periods.
Ohio  Residents:  The  Ohio  laws  against  discrimination  require  that  all 
creditors  make  credit  equally  available  to  all  credit  worthy  customers,  and 
that  Consumer  Reporting  Agencies  maintain  separate  credit  histories  on 
each individual upon request. The Ohio Civil Rights Commission administers 
compliance with this law.
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 that provision.

ARBITRATION AND LITIGATION
This  Arbitration  Provision  (“Provision”)  facilitates  the  prompt  and  efficient 
resolution of any disputes that may arise between you and us. Arbitration is a 
form of private dispute-resolution in which persons with a dispute waive their 
rights to file a lawsuit, to proceed in court and to a jury trial, and instead submit 
their disputes to a neutral third person (an arbitrator) for a binding decision. 
You have the right to opt out of this Provision, which means you would retain 
your right to litigate your disputes in a court, either before a judge or jury. To 
exercise your right to opt out you must provide us with written notice no later 
than 30 days after your Credit Account is first opened. If we do not receive 
your written notice within that time frame, your rights to opt out will terminate, 
and you agree that the provisions of this section will apply.
PLEASE  READ THIS  PROVISION  CAREFULLY.  IT  PROVIDES THAT ALL 
DISPUTES  ARISING  OUT  OF  OR  CONNECTED  TO  THIS  CONTRACT 
SHALL  BE  RESOLVED  BY  BINDING  ARBITRATION.  ARBITRATION 
REPLACES THE RIGHT TO GO TO COURT. IN THE ABSENCE OF THIS 
ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD 
A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A 
JUDGE OR JURY AND/OR TO PARTICIPATE IN OR BE REPRESENTED IN 
A CASE FILED IN COURT BY OTHERS (INCLUDING, BUT NOT LIMITED 
TO, CLASS ACTIONS). EXCEPT AS OTHERWISE PROVIDED, ENTERING 
INTO THIS AGREEMENT CONSTITUTES A WAIVER OF YOUR RIGHT TO 
LITIGATE CLAIMS AND ALL OPPORTUNITY TO BE HEARD BY A JUDGE 
OR JURY.
Parties and Matters Subject to Arbitration: For purposes of this Provision, 
“you”  and  “us”  include  the  employees,  parents,  subsidiaries,  affiliates, 
beneficiaries, agents and assigns of you and us. For purposes of this Provision, 
“Claim” means any claim, dispute or controversy by either you or us, arising 
out of or relating in any way to this Contract, this Provision (including claims 
regarding  the  applicability,  enforceability  or  validity  of  this  Provision),  your 
Credit Account, any transaction on your Credit Account and our relationship. 
“Claim” also refers to any interaction or communication between you and us 
that occurred prior to or concurrent with entering into this Contract, including 
those now in existence, regardless of present knowledge. “Claim” shall refer 
to claims of every kind and nature, including, but not limited to, initial claims, 
counterclaims, cross-claims and third party claims. All Claims are subject to 
arbitration, regardless of legal theory and remedy sought, including, but not 
limited to, claims based in contract, tort (including negligence, intentional tort, 
fraud and fraud in the inducement), agency, statutory law (federal and state), 
administrative regulations or any other source of law (including equity).
Agreement to Arbitrate: Any Claim arising out of or relating to this Contract, 
or the breach of this Contract or your Credit Account, shall be resolved and 
settled exclusively and finally by binding arbitration, in accordance with this 
Provision.  Binding  arbitration  shall  not  be  required,  however,  for  collection 
actions  by  us  relating  to  your  Credit  Account.  Furthermore,  both  you  and 
we retain the right to pursue in a small claims court any Claim that is within 

that court’s jurisdiction, provided the Claim proceeds on an individual basis. 
However,  only  a  court  of  law,  not  an  arbitrator,  shall  determine  the  validity 
and effect of this Provision’s prohibition of class arbitration. For any Claims 
covered by this Provision, a party who asserted a Claim in a lawsuit in court 
may elect arbitration with respect to any Claim subsequently asserted in that 
lawsuit by any other party.
Voluntary Waiver of the Right to a Jury Trial and Class Action Participation: 
As a result of this Provision, neither you nor we have the right to litigate any 
Claim  in  court  or  the  right  to  a  jury  trial  on  any  Claim,  except  as  provided 
above.  YOU AGREE  THAT YOU ARE  VOLUNTARILY AND  KNOWINGLY 
WAIVING ANY RIGHT YOU MAY HAVE TO GO TO COURT OR TO HAVE 
A JURY TRIAL. FURTHERMORE, NEITHER YOU NOR WE MAY SERVE 
AS A REPRESENTATIVE, A PRIVATE ATTORNEY GENERAL, OR IN ANY 
OTHER REPRESENTATIVE CAPACITY. SIMILARLY, NEITHER YOU NOR 
WE MAY PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS IN A 
LAWSUIT OF ANY CLAIM.
Prohibition  of  Class Arbitration:  All  Claims  shall  be  resolved  by  binding 
arbitration  on  an  individual  basis.  Claims  made  and  remedies  sought  as 
part of a class action, private attorney general or other representative action 
are  subject  to  arbitration  on  an  individual  (non-class,  non-representative) 
basis.  Therefore,  the  arbitrator  has  no  authority  to  conduct  class-wide 
proceedings  and  will  be  restricted  to  resolving  individual  Claims.  UNDER 
THIS ARBITRATION PROVISION THERE IS NO RIGHT OR AUTHORITY 
FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS BASIS. Arbitration 
will only be conducted on an individual Claim basis and there is no right or 
authority  to  consolidate  or  join  any  of  your  Claims  with  any  other  Claims. 
YOU AGREE THAT YOU ARE VOLUNTARILY AND KNOWINGLY WAIVING 
ANY RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF 
ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO 
ARBITRATION UNDER THIS PROVISION.
Governing  Law:  This  agreement  to  arbitrate  is  made  pursuant  to  a 
transaction  involving  interstate  commerce  and  shall  be  governed  by  the 
Federal Arbitration Act, 9 U.S.C. §§ 1-16, as it may be amended. If for any 
reason the Federal Arbitration Act does not apply, the substantive law of the 
State of South Dakota shall govern this Provision.
Arbitration Location and Procedure: Any arbitration hearing at which you 
wish to appear will take place at a location within the federal judicial district that 
includes your billing address at the time the Claim is filed. The party bringing 
the Claim may file its Claim at the American Arbitration Association (“AAA”) 
or  an  arbitration  organization  mutually  agreed  upon  by  both  parties.  The 
arbitration organization that is selected will administer the arbitration pursuant 
to its procedures in effect at the time of filing, subject to this Provision. If you 
do not agree to file your claim with AAA, and the parties cannot agree on an 
alternative arbitration organization,
an arbitrator will be appointed by a court pursuant to the Federal Arbitration 
Act.  In  the  event  of  a  conflict  or  inconsistency  between  the  respective 
organization’s  rules  and  this  Provision,  this  Provision  shall  govern.  The 
arbitration  will  be  conducted  before  a  single  arbitrator,  whose  authority  is 
limited solely to individual Claims between you and us. The arbitration will not 
be consolidated with any other arbitration proceeding. Any decision rendered 
in  such  arbitration  proceeding  will  be  final  and  binding  on  the  parties  and 
judgment may be entered in a court of competent jurisdiction. The rules and 
forms of AAA may be obtained as follows; American Arbitration Association, 
(1-800-778-7879),  335  Madison  Avenue,  Floor  10,  New  York,  NY  10017, 
website at www.adr.org.
Arbitrator’s Authority: The arbitrator shall apply the applicable substantive 
law,  consistent  with  the  Federal  Arbitration  Act;  shall  apply  statutes  of 
limitation; and shall honor claims of privilege recognized at law. In conducting 
the arbitration proceeding, the arbitrator shall not apply any federal or state 
rules of civil procedure or evidence.  PURSUANT TO THIS ARBITRATION 
PROVISION,  THERE  IS  NO  RIGHT  TO  ENGAGE  IN  PREARBITRATION 
IN  THE  RULES  AND 
DISCOVERY  EXCEPT  AS  PROVIDED  FOR 

PROCEDURES  OF  THE  RESPECTIVE  CHOSEN  NATIONAL  ARBITRAL 
ORGANIZATION. Either party may, however, request to expand the scope 
of discovery. If a request is made, within 15 days of the requesting party’s 
notice, the objecting party may submit objections to the arbitrator with a copy 
of  the  objections  provided  to  the  party  requesting  expansion. The  grant  or 
denial of a party’s request will be in the sole discretion of the arbitrator, who 
shall  notify  the  parties  of  the  final  decision  within  20  days  of  the  objecting 
party’s submission.
The  Arbitrator’s  Award:  The  arbitrator  has  the  ability  to  award  to  the 
prevailing party all remedies available at common law, by statute or in equity, 
including  injunctive  relief,  declaratory  relief,  arbitration  costs  and  attorney 
fees. The arbitrator shall not, however, have authority to award any punitive 
damages.  YOU AND  WE AGREE  THAT  PUNITIVE  DAMAGES ARE  NOT 
RECOVERABLE  IN  ANY  ARBITRATION  OR  OTHER  PROCEEDING 
UNDER  THIS  CONTRACT  EXCEPT  TO  THE  EXTENT  PUNITIVE 
DAMAGES  WOULD  BE  AVAILABLE  IN  LITIGATION.  For  awards  not  in 
excess of $5,000.00, upon the timely request of any party, the arbitrator shall 
provide  a  brief  written  explanation  of  the  basis  for  the  award.  In  the  event 
an  award  exceeds  $5,000.00,  or  in  which  there  is  a  request  for  equitable 
relief  with  a  potential  financial  impact  or  value  in  excess  of  $5,000.00,  the 
award of the arbitrator shall be in writing and shall specify the facts and the 
law on which it is based. In such case, the arbitrator’s findings of fact must 
be  supported  by  substantial  evidence  and  the  arbitrator’s  conclusions  of 
law must not be based on legal error or be erroneous under the applicable 
substantive law. Further, in addition to the Federal Arbitration Act’s grounds 
for vacation, modification or correction of the arbitrator’s award, the parties 
shall have the right to judicial review of the arbitrator’s award to determine 
whether the arbitrator’s findings of fact are supported by substantial evidence 
and whether the arbitrator’s conclusions of law are based on legal error or are 
erroneous under the applicable substantive law. Judgment upon the award 
rendered  by  the  arbitrator  may  be  entered  in  any  court  having  jurisdiction 
thereof. However, if the award is in excess of $5,000.00, judgment may be 
entered only upon determination by the court that the award is supported by 
substantial evidence and is not erroneous or based on legal error. 
Expenses: Regardless of who demands arbitration, we will pay all expenses 
of arbitration, including the filing, administrative, hearing and arbitrator’s fees 
(“Arbitration Fees”), to the extent that the Arbitration Fees exceed the amounts 
you would be required to pay for filing a lawsuit in a court. Throughout the 
arbitration, each party shall bear his or her own attorney fees and expenses, 
such as witness and expert witness fees. If you prevail in the arbitration of any 
Claim against us, we will reimburse you for any fees you paid to the arbitration 
organization in connection with the arbitration.
Binding Effect and Survival: You and we agree that, except as specifically 
provided for above, the arbitrator’s decision will be final and binding on all 
parties subject to this Provision. This Provision is binding upon you, us, and 
the heirs, successors, assigns and related third parties of you and us. This 
Provision  shall  survive  termination  of  your  account,  whether  it  be  through 
voluntary payment of the debt in full by you, a legal proceeding initiated by us 
to collect a debt that you owe, a bankruptcy by you or a sale of your Credit 
Account by us.
Severability: If any portion of this Provision is deemed invalid or unenforceable 
under  any  law  or  statute  consistent  with  the  FAA,  such  a  finding  shall  not 
invalidate any remaining portion of this Provision, the Contract or any other 
agreement  entered  into  by  you  with  us.  However,  the  prohibition  on  class 
arbitration is not severable from the remainder of this Provision. In the event 
that  a  court  deems  the  prohibition  on  class  arbitration  to  be  invalid  and 
unenforceable,  any  subsequent  class  action  or  representative  proceeding 
shall be in a court of law and will not be subject to binding arbitration.

M-106207                                 DT                                04/12

First PREMIER Bank
CREDIT CARD CONTRACT AND 
ACCOUNT OPENING DISCLOSURES (cont’d)
This Contract explains the terms and conditions of your Credit Account with 
us,  including  important  provisions  relating  to  arbitration  and  litigation.  For 
additional  important  information  on  fees  and  INTEREST  CHARGES 
and other contract provisions that apply to your Credit Account, please 
review  the  Account  Opening  Disclosures  printed  on  the  card  carrier 
containing your Card. Be sure to retain all Contract documents for future 
reference.

YOUR CONTRACT WITH US
Your MasterCard® or Visa® brand Credit Account is governed by the terms 
and conditions in this Contract and the Account Opening Disclosures printed 
on the card carrier containing your Card (“Contract”).
Applicable Law:  No matter where you live, our Contract with you and the 
terms of your Credit Account will be governed by the laws of the State of South 
Dakota and applicable federal law.
Certain  Agreements  and  Waivers:  You  understand 
that  you  are 
acknowledging,  confirming  and  ratifying  the  debt  transferred  to  your  Credit 
Account as an Initial Balance Transfer (“Old Debt”), to the full extent allowed 
by law, you are waiving any defense that would prevent us from collecting 
the Old Debt. The defenses you are waiving include a defense that the time 
may have expired for filing a lawsuit to collect the Old Debt. The Statue of 
Limitations  requires  a  lawsuit  be  filed  within  a  specific  time  after  a  debt  is 
in default and would prevent the collection of the debt in a court of law if a 
lawsuit is not filed within the required time. You agree that this Contract: (1) 
serves as your written acknowledgement of the justness and accuracy of the 
Old Debt; (2) evidences your willingness and promise to pay the Old Debt 
pursuant to the terms of this Contract; and (3) serves as your signature to, and 
acceptance of, this Contract to the full extent required by any applicable law 
and establishes a written agreement between you and us. Even though your 
agreement to transfer the Old Debt to a Credit Account with us would allow us 
to sue you for non-payment of the Old Debt
if you do not pay as agreed (as explained previously), we irrevocably agree 
that we will not sue for collection of any portion of the Old Debt at any time. 
We do not, however, waive our right to sue you for any balance other than 
the Old Debt, such as Purchases, Cash Advances, INTEREST CHARGES, 
costs  and  fees,  that  are  created  after  your  Credit Account  is  opened.  You 
also  understand  that  by  transferring  the  Old  Debt  to  a  Credit Account  with 
us, the Old Debt will be included in the balance on your Credit Account that 
we may report to Consumer Reporting Agencies. The Fair Credit Reporting 
Act  prohibits  reporting  balances  which  were  charged  off  more  than  seven 
years previously. By transferring the Old Debt to a Credit Account with us, 
the  balance  of  the  Old  Debt  will  become  a  new  obligation  on  your  Credit 
Account which may be reported to Consumer Reporting Agencies beyond the 
seven-year period applicable to the Old Debt. You agree not to use this Credit 
Account unless you sign the back of your Card and accept the conditions of 
this Contract.
Effective Date: This Contract is effective upon the transfer of the Old Debt 
to  your  Credit Account  as  an  Initial  Balance  Transfer.  If,  after  reading  this 
Contract, you do not agree to all terms hereof, you must notify us in writing 
within 30 days after we mail this Contract to you that you do not wish to be 
bound by the terms of the Contract and your Credit Account will be closed and 
the Initial Balance Transfer applied to your Credit Account will be reversed, as 
if you never agreed to a settlement with the owner of the debt represented by 
the Initial Balance Transfer. You will be responsible for any other Purchase 
or Cash Advance applied to your Credit Account even if your Credit Account 

is cancelled as described in this paragraph. You may or may not be able to 
renegotiate a new settlement with the owner of the debt.

DEFINITIONS USED IN THIS CONTRACT
In this Contract, “we”, “us” and “our” each refer to First PREMIER Bank 
(the “Bank”).
“Authorized User” means any person authorized by you to use the Card or 
Credit Account.
“Billing Cycle” begins on the day after the Statement Closing Date of the 
previous Statement and includes the Statement Closing Date of the current 
Statement.
“Card” means all the plastic credit cards we issue to you or any other person 
who  is  authorized  to  use  the  Credit Account.  In  the  event  we  issue  other 
devices by which you can access your Credit Account, those devices will also 
be “Cards” for purposes of this Contract.
“Closing Date” means the last day of any Billing Cycle.
“Credit Account” means the credit card account that we open for you and 
the relationship that is established between you and us by this Contract. This 
Credit Account is used to record transaction activity made by you when you 
access or otherwise utilize the line of credit we extend to you when you use 
your Card.
“New Balance” means the outstanding balance of your Credit Account at the 
end of any Billing Cycle. The New Balance is the sum of the Previous Balance 
(defined as the New Balance shown on your last Statement) less payments 
and credits, plus new Cash Advances and Purchases and our charges posted 
during the Billing Cycle.
“Payment Due Date” means the date we must receive your payment, which 
is not less than 27 days from the Closing Date.
“Proper Form” means that a payment sent by mail or courier follows these 
guidelines:

•  Payments must be sent to the address on the payment coupon of your 

Statement.

•  Payments  must  be  made  by  check  or  other  negotiable  instrument  in 

U.S. dollars payable to First PREMIER Bank.

•  All checks or negotiable instruments must be drawn on a U.S. bank or 

at a U.S. branch of a foreign bank.

•  Payments must not be in the form of cash or third-party checks. 
•  Your  payment  coupon  must  be  included  with  your  payment.  If  your 
payment coupon is not included, your name and account number must 
be printed legibly on your check or negotiable instrument.

“Related Credit Account(s)” means any Credit Accounts established using 
the same Social Security Number.
“Statement” is a summary of your Credit Account activity provided to you at 
the end of each Billing Cycle.
“Total Minimum Amount Due” means the total minimum amount we request 
that you pay each month as indicated on your Statement. This amount includes 
the Minimum Payment, any Past Due Amount and any Amount Over Limit Due, 
which is the amount by which the New Balance exceeds your Credit Limit. 
(See the Minimum Payment provisions on the Account Opening Disclosures 
printed on the card carrier containing your Card for more information on how 
the “Total Minimum Amount Due” is calculated.)
“You” and “your” mean each and every person who is authorized to use the 
Credit Account, including Authorized Users, joint account holders and other 
persons you authorize to use the Card. 
Other important words used in this Contract begin with capital letters. They 
are defined throughout this Contract.

USING YOUR CARD

Sign Your Card: Be sure to sign your Card before you use it.
If You Do Not Want the Card: If you do not want the Card and Credit Account, 
you must contact us by telephone or in writing asking us to close your Credit 
Account.
Do Not Give Your Card to Others: Cards may not be given to anyone else to 
use. Other people who want a Credit Account should apply separately.

Your  Responsibility  for  Authorized  Users:  If  another  person  is  given 
access  to  your  Credit  Account  with  your  express  or  implied  permission, 
notwithstanding the provision above, that person is an Authorized User, even 
if we did not issue an additional Card in the Authorized User’s name. At your 
request, and if we agree, we may issue an additional Card in the name of an 
Authorized User with your Credit Account number.
You  will  be  responsible  for  all  charges,  Cash  Advances,  INTEREST 
CHARGES, Purchases and fees incurred by any Authorized User. We are not 
required to try to obtain payment from any Authorized User before requiring 
payment from you. 
If you wish to remove an Authorized User from your Credit Account you must 
contact us either by telephone or in writing. You will still be responsible for 
payment of all Purchases, Cash Advances, INTEREST CHARGES and fees 
incurred  or  obtained  by  the  Authorized  User.  We  may  close  your  existing 
Credit Account and issue you a new Card and account number. You and each 
Authorized User agree that we may report account information to Consumer 
Reporting Agencies in the names of both you and the Authorized User.
Lost or Stolen Cards: To protect your rights, you must notify us immediately 
at  1-800-987-5521  if  your  Card  is  lost  or  stolen  or  if  you  suspect  that 
it  has  been  used  or  may  be  used  without  your  permission.  If  your  Card  is 
reported as lost or stolen or you are claiming unauthorized use of your Credit 
Account  or  Card,  we  may  require  you  to  file  one  or  more  reports  with  the 
appropriate law enforcement agencies and us prior to our removal of possible 
unauthorized charges made against your Credit Account. You will not be liable 
for unauthorized use of your Card. Certain exceptions apply and you may be 
liable for up to $50.00.
Refusal  to  Accept  Your  Card:  We  are  not  responsible  if  any  person  or 
merchant  does  not  accept  your  Card,  or  if  an ATM  or  other  device  fails  to 
properly operate. All transactions, even when you get a receipt, are subject 
to our final verification.
Cards  Are  Our  Property:  You  agree  to  return  each  Card  issued  on  your 
Credit Account to us upon our demand.

USING YOUR CREDIT ACCOUNT
Your Promise To Pay: You agree to pay us for all charges, Cash Advances, 
INTEREST CHARGES, Purchases and fees incurred on your Credit Account 
by you, or by any Authorized User, as well as any other fees imposed by us, 
as explained in this Contract. If more than one person requests, accepts or 
uses the Credit Account, each and every person individually and jointly are 
responsible for payment until the account is paid in full.
Joint Account Holders: If this is a joint Credit Account, each person who 
signed  the  application:  (1)  may  obtain  Purchases  and  Cash Advances  not 
to exceed the total credit limit; (2) will be responsible for paying all amounts 
owed; and (3) can close the Credit Account.
Accessing Your Credit Line: You can use the Card and your Credit Account 
to make Purchases and obtain Cash Advances. Upon your request, you may 
be assigned a Personal Identification Number (PIN). If a PIN is assigned to 
you,  you  can  obtain  a  Cash Advance  at  any  authorized ATM  by  using  the 
Card and PIN.
Understanding  Your  Credit  Limit:   Your  “Credit  Limit”  is  the  maximum 
amount of credit we have approved for your Credit Account. Your Credit Limit 
is  the  same  amount  as  your  Initial  Balance  Transfer  when  you  open  your 
Credit Account, so you will not be able to use your card for other Purchases 
or Cash Advances until you make a payment. The amount of available credit 
at any time will be your Credit Limit minus the balance of your Initial Balance 
Transfer and any other Purchases, Cash Advances, INTEREST CHARGES, 
fees  and  other  charges.  When  your  Credit  Account  is  first  opened,  your 
available credit will be $0 until you pay at least the total Minimum Amount Due. 
The amount of available credit will not necessarily be equal to the amount of 
payments made to your Credit Account because fees, INTEREST CHARGES 
and other charges may be applied to your Credit Account. The amount of your 
Credit Limit is printed on the card carrier containing your Card and on your 

Statements. Your balance may not exceed your Credit Limit at any time. At our 
sole discretion, we may honor Purchases or Cash Advances in excess of your 
Credit Limit without raising your Credit Limit. If we do, we may require you to 
pay us any amount over your Credit Limit immediately. Decisions on Credit 
Limit increases may be based on your performance under this Credit Account 
and other Related Credit Accounts you have with us and other credit criteria. 
If we have previously allowed your balance to exceed your Credit Limit, it does 
not mean that we will permit your balance to exceed your Credit Limit again. 
We reserve the right to approve or deny authorizations or transactions from 
any merchant at our sole discretion.
Obtaining Cash Advances: You may take Cash Advances on your Credit 
Account in any of the following ways: By presenting the Card to us or any 
other participating MasterCard® or Visa® financial institution to obtain cash, 
by using the Card at an authorized merchant, other non-bank entity, or an 
Automated  Teller  Machine  (ATM)  or  other  device  to  obtain  cash  or  cash 
equivalent, or to make a transfer from your Credit Account to any other deposit 
or loan account. Even if you use your Credit Account to obtain cash from a 
non-bank entity, the transaction will be described as a Bank Cash Advance.
You may not take Cash Advances in excess of $500.00 per day. The minimum 
Cash  Advance  per  transaction  is  $20.00.  For  Credit  Accounts  opened  on 
or  after  June  1,  2003,  your  initial  Cash Advance  limit  will  be  10%  of  your 
assigned Credit Limit. Once your Credit Account has been open and active 
for a minimum of 90 days, has two consecutive months of current payment 
history, is not currently delinquent and no payments have been returned for 
the past 60 days, your Cash Advance availability may be increased to 50% of 
the assigned Credit Limit. For example, if your Credit Limit is $250.00, your 
beginning Cash Advance limit will be $25.00 and may increase to $125.00 
once the criteria above are met. In any event, you will not be able to obtain a 
Cash Advance to the extent you do not have available credit.

RECEIVING STATEMENTS, OTHER INFORMATION AND
COMMUNICATIONS FROM US
Where We Send Statements: We will send Statements and any other notices 
to you at the address shown in our files. If this is a joint Credit Account, we 
can  send  Statements  and  notices  to  either  of  you.  You  agree  to  notify  us 
promptly of any change in your address. We may accept address changes 
or  corrections  from  the  United  States  Postal  Service.  We  may  also  mail 
Statements and other communications to you at any address we determine to 
be an address at which you can receive mail. If you elect to receive Statements 
and other communications electronically, we may send those Statements and 
communications as directed by you.
When You Receive Your Statements: We will send you a Statement at the 
end of each monthly Billing Cycle in which your Credit Account has a debit 
or credit balance of more than $1.00, if an INTEREST CHARGE has been 
imposed or if other account activity has occurred. Your Statements will arrive 
around the same time each month, however we reserve the right to change 
the date of your Billing Cycle at any time.
Understanding Your Statement: The Statements we send to you will reflect 
the activity and our  INTEREST CHARGES and other charges, costs and fees 
on your Credit Account during the Billing Cycle. They will also show your Total 
Minimum Amount Due and Payment Due Date, which is the date by which we 
must receive payment. The information contained on the Statement will be 
deemed to be correct unless you advise us in writing of any error within 60 
days of the date on which we send your Statement. If there are more than one 
of you living at different addresses, we will send the Statements only to the 
person named as the “Applicant” in your application.
Your Consent for Calls and/or Text Messages to Your Cellular Phone: If 
we collect your cellular phone number from you, from another source, or as 
a result of receiving a cellular phone call from you, you expressly consent to 
accept from us, our affiliates or any third party acting on our behalf:
(1) Calls or text messages for collection purposes or for other account-related 
purposes, such as to process your application.

(2) Calls or text messages that we initiate to your cellular phone number made 
or transmitted using any automatic telephone dialing system and/or containing 
prerecorded messages.
You agree you will be responsible for any fees or charges you incur as a result 
of incoming calls or text messages from us, from our affiliates or from any third 
party acting on behalf of us or our affiliates.
E-mail:  By  providing  us  with  your  e-mail  address,  you  consent  to  receive 
correspondence  electronically  from  us  and  our  affiliates  and  service 
providers. You agree that we may communicate with you by e-mail for any 
lawful reason.
Other  Communication  Devices:  If  you  provide  us  with  any  other  form  of 
electronic communication mechanism, you agree that we may communicate 
with you by that mechanism for any lawful reason.

ABOUT YOUR PAYMENTS
Amount  of  Payment:  You  must  make  Minimum  Payments  on  your  Credit 
Account. Refer to the Minimum Payment provisions in the Account Opening 
Disclosures printed on the card carrier containing your Card for more detailed 
information.  Payments  made  in  any  Billing  Cycle  that  are  greater  than  the 
Total Minimum Amount Due will not affect your obligation to make the next 
minimum  monthly  payment.  Each  month  your  Statement  shows  a  New 
Balance you must pay the Total Minimum Amount Due. Generally, credits to 
your Credit Account, such as those generated by merchants, are not treated 
as payments on your Credit Account and will not reduce your Total Minimum 
Amount Due. You have until the Payment Due Date shown on the front of your 
Statement, which is not less than 27 days from the Closing Date, to pay the 
Total Minimum Amount Due.
Applying  Your  Payments:  We  may  apply  your  payment  to  whichever 
balances  we  choose  to  the  extent  it  does  not  exceed  the  Total  Minimum 
Amount  Due  shown  on  your  Statement.    The  amount  of  your  payment  in 
excess of the Total Minimum Amount Due will be applied to balances subject 
to the highest APR prior to balances subject to lower APRs.  We may apply 
your payment to principal amounts, INTEREST CHARGES, fees and other 
charges in any order we choose, and we may change the order of application 
of payments from time to time at our discretion.
Availability of Credit: Available credit created as a result of payments posted 
to your Credit Account may not be available for up to 20 days, or even longer 
if circumstances warrant an additional hold, or if we deem ourselves at risk 
for any reason. Your available credit may be limited, from time to time, if you 
provide your Credit Account number or Card to a merchant that processes 
advance  authorizations,  such  as  hotels,  motels  and  car  rental.  Such  an 
authorization  may  limit  your  ability  to  make  Purchases  and  take  Cash 
Advances on your Credit Account until the authorization is canceled by the 
merchant and your available credit is released.
Electronic Check Presentment: When you send us a personal check, you 
authorize us to either use information from your check to make a one-time 
electronic transfer from your account, or to process the payment as a check 
transaction. If your check is processed electronically, your canceled check will 
not be returned to you by your financial institution. We will retain an image of 
your electronically processed check(s) as required by law. If requested prior 
to the time we are allowed by law to destroy electronically processed checks, 
we will provide you with a copy of your electronically processed check(s) upon 
your request. Funds may be withdrawn from your bank account as soon as 
the day your payment is received. We agree to accept your checking account 
statement  as  proof  of  payment.  The  description  on  your  checking  account 
statement will read: PREMIER CR CARD CHECK-PAYMT, serial number of 
the check, amount of the payment and date of the transaction. If you choose 
to opt out of electronic check presentment, please call our Customer Service 
Department at 1-800-987-5521.
Late Payments: We may accept late payments or partial payments or checks 
and money orders marked “payment in full” without waiving any of our rights 
under this Contract.

DEFAULT PROVISIONS
Events of Default: You will be in default of this Contract if any of the following 
occur on this or any Related Credit Account:

•  You do not pay at least the Total Minimum Amount Due on your Credit 

Account on or before the Payment Due Date.

•  You die or become legally incompetent. 
•  You become insolvent or bankrupt. 
•  You exceed or attempt to exceed your Credit Limit.
•  You  provide  us  with  or  have  provided  us  with  false  or  misleading 

information or signatures at any time. 

•  You fail to comply with this Contract.
•  You fail to make any payment or perform any promise in any agreement 

or obligation you have with us. 

•  Any judgment, lien, attachment or execution is issued against you or 

your property. 

•  You request an excessive number of replacement Cards.
•  We reasonably believe that you will not pay amounts owed to us for any 

reason.

If You Are  In  Default:  Upon  your  default  of  this  Contract,  we  will  have  all 
remedies provided by law including, without limitation, and without prior notice 
or demand, the right to:

•  Deny use of your Credit Account.
•  Close or refuse to renew your Credit Account.
•  Demand the return of your Card(s).
•  Declare your entire balance immediately due and payable.
• 
Initiate collection activity.
•  Not replace your Card(s).

Collection  Costs:  To  the  extent  permitted  by  law,  you  must  pay  all  court 
and collection costs, including reasonable attorneys’ fees, the costs of placing 
your Credit Account in the Warning Bulletin and the costs of confiscating your 
Card, that we incur as a result of your default.

CLOSING YOUR CREDIT ACCOUNT
We May Suspend or Close Your Credit Account: We may suspend your 
Credit  Account  privileges  or  permanently  cancel  and  close  your  Credit 
Account at any time, for any reason.
You May Close Your Credit Account: You may cancel your Credit Account 
at any time by notifying us by telephone or in writing. Even after your Credit 
Account is closed, you remain responsible for paying any amounts you owe 
on the Credit Account according to the terms of this Contract. If this is a joint 
Credit Account, either of you may request that the Credit Account be closed 
and we will honor that request. 
No  Initial  Payment  Closure:  If  you  do  not  make  your  initial  Minimum 
Payment within 85 days of the Account Opening Date, your Credit Account 
will be automatically closed and the Initial Balance Transfer posted to your 
Credit Account will be reversed.
Refund Disclosure: We will refund your initial fees (those that are billed at 
the time of account opening) if (1) you have not used your Card for a Purchase 
or Cash Advance; and (2) you have not paid a fee after receiving a billing 
statement.    We  will  refund  any  Credit  Limit  Increase  Fee  charged  to  your 
Credit Account  if  you  notify  us,  within  30  days  of  the  date  of  the  Periodic 
Statement on which it appears, that you do not wish to have the credit limit 
increase.  This will result in a reversal of the credit limit increase.  Except as 
described in this paragraph, these fees are non-refundable.  

OTHER TERMS AND CONDITIONS
Severability:  If  any  provision  of  this  Contract  is  invalid  or  unenforceable, 
it shall not affect the validity or enforceability of any other provision of this 
Contract. 
Changing This Contract: We may change this Contract from time to time. 
For example, we may change your Credit Account number or the Minimum 
Payment,  add  new  INTEREST  CHARGES  or  fees,  change  the  ANNUAL 
PERCENTAGE RATE or change the method of computing the balance upon 

which we impose INTEREST CHARGES. We may also make other changes. 
We will notify you in writing of any change if required by law. Contract changes 
will apply to amounts you owe at the time the change is effective and to new 
transactions on your Credit Account, unless otherwise required by law. We 
will not change our promise not to sue you for the balance of your Old Debt 
transferred to this Credit Account when your Credit Account is first opened.
Information Sharing: The following describes your agreement with us with 
respect  to  information  sharing.  By  requesting,  obtaining  or  using  a  Credit 
Account from us you agree that we may release information in our records 
regarding you and your Credit Account:

•  To comply with any properly served subpoena or similar request issued 

by a state or federal agency or court.

•  To share your credit performance with Consumer Reporting Agencies 
and  other  creditors  who  we  reasonably  believe  are  or  may  be  doing 
business with you on your Credit Account. 

•  To provide information on your Credit Account to any third party who 
we believe is conducting an inquiry in accordance with the Federal Fair 
Credit Reporting Act.

•  To  share  information  with  our  employees,  agents  or  representatives 

performing work for us in connection with your Credit Account.

•  To communicate information as to our transactions or experiences with 
you to persons or entities related by common ownership or affiliated by 
corporate control or with any third party (including non-affiliates).
We may also share information such as: (1) information other than our 
own transactions with you with persons or entities related to the Bank 
by common ownership or corporate control; or (2) information on your 
Credit Account with certain companies to provide or offer you selected 
products, services or cardholder benefits. You may direct us not to share 
one or both of these. If this is your request call 1-800-987-5521 or notify us 
in  writing  at  First  PREMIER  Bank,  P.O.  Box  5528,  Sioux  Falls,  SD  57117-
5528.  Be  sure  to  include  your  name,  address  and  Credit Account  number. 
You may receive a copy of our information on your Credit Account by writing 
or calling us at the address or telephone number listed above. By requesting 
or obtaining a Credit Account, you authorize us to check your credit history. 
You authorize your employer, bank and any other references listed to release 
and/or verify information to us and our affiliates in order to determine your 
eligibility for the Credit Account and any renewal or future extension of credit. 
If  you  ask,  you  will  be  told  whether  or  not  consumer  reports  on  you  were 
requested  and  the  names  of  the  Consumer  Reporting Agencies,  with  their 
addresses, that provided the reports. If you designate an Authorized User to 
use your Card, you understand that account information may also be reported 
to Consumer Reporting Agencies in the Authorized User’s name.
No Waiver: Even if we do not exercise any right we may have against you, we 
do not intend to waive that right. We can exercise it against you in the future.
Binding Effect Upon Death or Incompetency: If we pay a merchant for a 
Purchase or post a Cash Advance to your Credit Account before we receive 
actual written notice of your death or incompetence, or if we pay a merchant 
for a Purchase made by you or post a Cash Advance taken by you prior to 
your death or incompetence, that transaction will be a valid and binding Credit 
Account obligation upon you, your estate and your personal representatives.
Our Liability To You: We have no liability to you, other than as placed on 
us  by  law.  We  will  meet  our  duty  to  care  for  your  Credit Account(s)  under 
reasonable banking procedures. Our mere clerical error or honest mistake will 
not be considered a failure to perform any of our obligations.
Transactions in Foreign Currencies: If you make a transaction in a foreign 
currency, it will be converted into U.S. dollars, and you agree to accept the 
converted amount. Visa USA, Inc. or MasterCard International, Inc. will use 
its currency conversion procedures in effect when processing the transaction. 
The currency conversion rate will be a rate selected by Visa or MasterCard, 
as applicable, from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate 
Visa or MasterCard itself receives, or the government-mandated rate in effect