Annual Percentage Rate (APR)for PurchasesIMPORTANT CREDIT CARD DISCLOSURESThefollowingdisclosurerepresentsimportantdetailsconcerningyourcreditcard.Theinformationaboutcostsofthecardareaccurateasof.Youcancontactustollfreeat(800)288-3425orP.O.Box6817,Rochester,MN55903-6817 to inquire if any changes occurred since the effective date.APR for Cash AdvancesAPR for Balance TransfersThis APR will vary with the market based on the Prime Rate.depending on your credit history.8.75% - 10.75%8.75%-10.75%dependingonyourcredithistory.ThisAPRwillvarywiththemarketbased on the Prime Rate.8.75%-10.75%dependingonyourcredithistory.ThisAPRwillvarywiththemarketbased on the Prime Rate.Paying Interest Your due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the transaction date.NoneMinimum Interest ChargeTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreFor Credit Card Tips from theConsumer Financial ProtectionBureauINTEREST RATES and INTEREST CHARGES:9009 LASER IH FI14441 Rev 9-2012COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.FEES:Penalty FeesLate Payment:Over-the-Credit Limit:Returned Payment:---Upto$19.00ifyourpaymentismorethan10dayslateNoneNoneTransaction FeesBalance Transfer:Cash Advance:Foreign Transaction:---NoneNone1%ofeachtransactioninU.S.dollarsifthetransactioninvolvesacurrencyconversion1%ofeachtransactioninU.S.dollarsifthetransactiondoesnotinvolveacurrencyconversionHowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."Fees to Open or Maintain yourAccountAnnual Fee:Application Fee:--NoneNoneOtherFees:Inadditiontothefeesdisclosedabove,thefollowingfeesmaybeimposed:StatementCopyFee:$2.00VisaSalesReceiptCopy(30daystoreceive):$5.00page 1 of 3LASER IH FI12387 Rev 10-2012VISA Credit Card AgreementPlease retain for personal recordsThisagreementcoverstheVisaCreditCardAccountissuedbyThinkMutualBank("Think"),afederallycharteredthriftwithitsmainofficelocatedinRochester,MN.InthisAgreement,thewords"you,""your,""yours,"and"cardholder,"meananypersonwhosignstheApplicationforthisaccount,anyjointparty,guarantor,authorizeduser,orthepersonwhosenameisembossedonthecard.Thewords"we,""us,"and"our"meanThink."Account"or"AccountInformation"meansyourVisaCardAccountwithus.Theword"Card"meansanyoneormorecreditcardsissuedunderthisAccount.IfyousigntheMasterApplication/CreditPlanforthisAccountorsignoruseanyCardorPIN,orallowotherstousetheCardorPIN,youandtheywillhaveacceptedthisAgreementjust as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account.1.EFFECTOFAGREEMENTThisAgreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughthesales,cashadvanceorcreditslipsyousignorreceivemaycontaindifferentterms.Subjecttoapplicablelaw,wemayamendthisAgreementincluding,butnotlimitedto,changingtherateormethodofdeterminingtheInterestCharge,bysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentthelawpermits,andweindicateinournotice,amendmentswillapply to your existing Account balance as well as to future transactions.2.RESPONSIBILITYIfweissueaCardyouagreetorepayalldebtsandtheInterestChargeandfeesandchargesarisingfromtheuseofthecardandAccount.Forexample,youareresponsibleforchargesmadebyanyoneelsetowhomyougivethecardorcardnumber,andthisresponsibilitycontinuesuntilthecardisrecovered.Youcannotdisclaimresponsibilitybynotifyingus,butwewillclosetheAccountfornewtransactionsifyousorequestandreturnallcards.YourobligationtopaytheAccountbalancecontinueseventhoughanagreement,divorcedecreeorothercourtjudgment,inwhichwearenotaparty,maydirectyouoroneoftheotherperson'sresponsibletopaytheAccount.Anypersonusingthecardisjointlyresponsiblewithyouforchargesheorshemakes;ifthatpersonsignsthecard, he or she becomes a party to this agreement and is also jointly responsible for all charges on the Account, including yours. This is your VISA Credit Card Agreement. This agreement, together with the Truth-in-Lending Statement, sets forth the terms and conditions of your Account.SECURITY:YOUSPECIFICALLYGRANTUSACONSENSUALSECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSYOUHAVEWITHUSNOWANDINTHEFUTURETOSECUREREPAYMENTOFCREDITEXTENDEDUNDERTHISAGREEMENT.YOUALSOAGREETHATWEHAVESIMILARSTATUTORYLIENRIGHTSUNDERAPPLICABLESTATEAND/ORFEDERALLAW.THEGRANTINGOFTHISSECURITYINTERESTISACONDITIONFORTHEISSUANCEOFCREDITUNDERTHISAGREEMENT.IFYOUAREINDEFAULT,WECANAPPLYYOURDEPOSITSTOTHEAMOUNTYOUOWE.DepositsinanIndividualRetirementAccountoranyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw if given are not subject to this security interest. Ifyouhaveotherloanswithus,collateralsecuringsuchloansmayalsosecureyourobligationsunderthisAgreement,unlessthatothercollateralisyourprincipal residence or non-purchase money household goods.  3.INTERESTCHARGEYoucanavoidtheInterestChargeonpurchasesbypayingthefullamountoftheNewBalanceofPurchaseseachmonthwithin25daysofyourstatementclosingdate.Otherwise,theNewBalanceofPurchases,andsubsequentpurchasesfromthedatetheyarepostedtoyourAccount,willbesubjecttoanInterestCharge.Cashadvances,whichincludebalancetransfers,arealwayssubjecttoInterestChargesfromthedatetheyarepostedtoyourAccount.TheInterestCharge(ANNUALPERCENTAGERATE)iscalculatedbyaddingaspreadormarginbasedonyourcreditworthinesstothePrimeRate(the"index")ineffectonthefirstbusinessdayofthemonthimmediatelyprecedingJanuary1,April1,July1andOctober1.TheInterestChargewillbeappliedtotheaveragedailyprincipalbalancesofpurchasesandcashadvancesofyourAccount.IftheIndexincreasesordecreases,theANNUALPERCENTAGERATEandmonthlyperiodicratewillincreaseordecreaseforallexistingbalancesoneachJanuary1,April1,July1andOctober1.BecauseyourMinimumPaymentremainsthesame,anyincreaseintheANNUALPERCENTAGERATEwillincreasethenumberofyourpayments,butwillnotincreasetheamountofyourpayments.ThereisnomaximumANNUALPERCENTAGERATE,exceptthattheANNUALPERCENTAGERATEwillnotexceedthehighestpermittedbyapplicablelaw.WefiguretheInterestChargeonyourAccountbyapplyingtheperiodicratetothe"averagedailybalance"ofyourAccount(includingcurrenttransactions).Togetthe"averagedailybalance"wetakethebeginningbalanceofyourAccounteachday,addanynewpurchases,cashadvances,butexcludingunpaidinterestcharges,andsubtractanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance". OtherFeesandCharges:Inadditiontotheinterestchargesdiscussedabove,otherchargeswillbeapplicabletoyourAccount.PleaserefertoyourTruth-in-Lending Statement.4.MONTHLYSTATEMENTSANDPAYMENTSEachmonthifyourbalanceexceeds$1.00ortherewasactivityonyourAccount,wewillsendyouastatementshowingaccountactivity,transactions,fees,andminimumpaymentrequirement.EverymonthyoumustatleastpaytheMinimumPaymentrequiredonorbeforethepaymentduedateasshownonyourmonthlystatement.Youmaypaymorefrequently,paymorethantheMinimumPayment,orpaytheTotalNewBalanceinfull,andreducetheInterestChargebydoingso.TheMinimumPaymentwillbedisclosedonyourTruth-in-LendingStatement.Wewillapplyyourpaymentsinthefollowingorder:1)toallcollectionpenaltiesandotherAccountfees,2)tothepreviouslybilledandunpaidInterestChargeonpurchases,3)tothepreviouslybilledandunpaidInterestChargesoncashadvances,4)tocashadvances,5)topreviouslybilledpurchases,6)tonewtransactions,whetherornotbilledonthemonthlystatement.However,anypaymentequalto,orgreaterthan,theminimumpaymentduewillbeappliedfirsttothatbalancewiththehighestANNUALPERCENTAGERATE.Youwillberesponsibleforallmattersshownoneachmonthlystatementunlessyounotifyusinwritingofanydisputewithin60daysafterthestatement date in the manner required by  "Your Billing Rights" section of this Agreement.Payments can be mailed to Think Mutual Bank, P.O. Box 31021, Tampa, FL 33631-3021.page 2 of 35.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentonorbeforeyourpaymentduedate.Youwillbechargedalatefeeifapaymentisnotreceivedwithin10daysofthepaymentduedate.Youwillalsobeindefaultif1)yourabilitytorepayusismateriallyreducedbyachangeinyouremploymentoranincreaseinyourobligations,2)therearebankruptcyorinsolvencyproceedingsinvolvingyou,3)youdie,4)youmakeamisrepresentationinconnectionwithyourAccount,5)youdefaultonanyobligationtous,underthisAgreementorotherwise,6)youcancelyourmembershipwithus,7)youexceedyourLine-of-Credit.WehavetherighttodemandimmediatepaymentofyourfullAccountbalanceifyouareindefault.Youspecificallyauthorizeustodeductalloranypartoftheamountindefaultfromanydepositaccountinwhichyouhaveanownershipinterest,unlessprohibitedbyapplicablelaw.Ifpermittedbylaw,you will also be required to pay our collection expenses, including court costs and reasonable attorneys' fees. 6.LOSTCARDNOTIFICATIONIfyoubelieveyourCardorAccountInformationhasbeenlostorstolen,youshouldimmediatelycallVISAat1-866-839-3485.Thisisa24houraccessnumber,however,ifyouareunabletoreachthisnumber,pleasecallusat1-800-288-3425.OuraddressisP.O.Box5949,Rochester,MN55903-5949.Notification that your card has been lost or stolen may be given by telephone or an in-person visit to Think. 7.LIABILITYFORUNAUTHORIZEDUSEYoumaybeliablefortheunauthorizeduseofyourCard.YoumaybeliableifthePersonalIdentificationNumber(PIN)iswrittenonthecard.YouwillnotbeliableforanyunauthorizeduseofyourCardthatoccursafteryounotifyusorallyorinwritingoftheloss,theftorpossibleunauthorizeduse.Inanycase,yourliability will not exceed $50.00. If you notify us orally, you should confirm your loss by writing us at Credit Card Security Department Attn.Fidelity-CustomerServiceP.O.Box30495Tampa,FL336308.CREDITLINEIfweapproveyourapplication,wewillestablishaLine-of-CreditforyouandnotifyyouofitsamountwhenweissuetheCard.YouagreenottolettheAccountbalanceexceedthisapprovedLine-of-Credit.EachpaymentyoumakeontheAccountwillrestoreyourLine-of-Creditbytheamountofpaymentwhichisappliedtotheprincipal.BygivingyouwrittennoticewemayreduceyourLine-of-Creditatanytime.Wemayalso,withgoodcause,revokeyourCardandterminatethisAgreement.GoodcauseincludesyourfailuretocomplywiththisAgreement,orouradversere-evaluationofyourcreditworthiness.YoumayalsoterminatethisAgreementatanytime,butterminationbyeitherofusdoesnotaffectyourobligationtopayustheAccountbalance.TheCardsremainourpropertyandyoumustgetbackandreturntousallCardsuponourrequestanduponterminationofthisAgreement."Line-of-Credit"mayalsobecalledCreditLimit in this Agreement and in your monthly statement. 9.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewingorreviewingyourAccount,andyouauthorizeusto disclose information regarding your Account to credit bureaus and other creditors who ask us about your credit standing.   10.USINGTHECARDYoumayusethecardissuedtoyoutomakepurchasesinperson,bymail,bytelephone,orbyInternetfrommerchantsandotherswhoacceptVISAcreditcards.Inaddition,youmayobtaincashadvancesfromThink,fromotherfinancialinstitutionsparticipatingintheVISAprogramandfromATMs(automatedtellermachines)thatparticipateintheATMVISAprogram.YouwillneedtouseyourPERSONALIDENTIFICATIONNUMBER(PIN)toobtainacashadvancefromanATM.CashadvancesfromATMsmaynotexceedatotalof$510perday.Anytransactionwhichwouldcausethedailylimittobeexceededmayberefused.YouagreethatalltransactionsthatyouinitiatebyuseofyourVISACreditCardAccountarelegalinthejurisdictionwhereyouliveand/orwherethetransactionoccurred.YouagreedtorepayaccordingtothetermsofthisAgreementalltransactionsyouinitiatebyuseofyourCreditCard Account whether deemed legal or illegal. 11.RETURNSANDADJUSTMENTSMerchantsandotherswhohonortheCardmaygivecreditforreturnsoradjustments,andtheywilldosobyissuingacreditslipwhichwillbepostedtoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvancestoyourAccount.If this credit balance is $1.00 or more, we will refund it per your written request. A credit balance will automatically be refunded to you after 4 billing cycles. 12.FOREIGNTRANSACTIONS;CURRENCYCONVERSIONPurchasesandcashadvancesmadeinforeigncurrencieswillbebilledtoyouinU.S.dollars.TransactionsprocessedoutsideoftheUnitedStateswillbechargedaforeigntransactionfeeinanamounttobedeterminedbyThink,regardlessofwhetherthereisacurrencyconversionassociatedwiththetransaction.TheconversionrateindollarswillbearateselectedbyVISAfromarangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichratemayvaryfromtherateVISAitselfreceives,orthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdateineachinstance.AforeigntransactionisanytransactionthatyoucompleteoramerchantcompletesonyourcardoutsideoftheU.S.,PuertoRicoortheU.S. Virgin Islands; this may include internet transactions.13.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyVISAplanmerchantorfinancialinstitutiontohonoryourCard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththeCardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheVISAplanmerchant,and1)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or2)yourpurchasecostmorethan$50.00andwasmadefromaVISAplanmerchantinyourstateorwithin100milesofyourhome.Anyotherdisputesmustberesolvedbyyoudirectly with the VISA plan merchant. 14.COPYRECEIVEDYou acknowledge receipt of a copy of this Agreement. 15.CREDITINSURANCECreditlifeand/orcreditdisabilityinsuranceisvoluntaryandnotaconditionofopeningaVISAaccount.Youwillonlyhavethiscoverageifyouapplyforthecoverage,meettheeligibilityrequirements,andagreetopaythepremiums.YouwillreceiveaCertificateofInsuranceeachtimeyouelecttheinsurance.Thepremiumwillbechargedandcollectedmonthlyandwillbecomepartofyourminimummonthlypayment.YouauthorizeThinktoaddthemonthlypremiumtoyouroutstandingbalance,uponwhichinterestwillaccrue.Purchaseofcreditinsurancewillincreaseyourminimummonthlypaymentorextendthetimeinwhichyouroutstandingbalanceispaidoff.Ifyoufailtopaytheinsurancepremiums,Thinkmaycancelthecoverageor,atitsoption,paythepremiumsandaddthemtoyouroutstandingbalance,uponwhichinterestwillaccrue.YoumaycancelcoverageatanytimebyinformingThinkoftheintenttodoso.Thinkretainsaportionofthepremium(oraportionispaidbacktoThinkbytheserviceprovider)ascompensationformakingthisserviceavailable.SeeCertificatefor specific terms and conditions of the insurance contract.page 3 of 3YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USEThisnoticetellsyouaboutyourrightsandourresponsibilitiesunderthe Fair Credit Billing Act.What To Do If You Find A Mistake On Your Statement Ifyouthinkthereisanerroronyourstatement,writetousonaseparatesheet at: Fidelity - Customer Service, P.O. Box 30495, Tampa, FL 33630. In your letter, give us the following information: 1.Yournameandaccountnumber.2.Thedollaramountofthesuspectederror.3.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:-Within60daysaftertheerrorappearedonyourstatement.-Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhave 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.Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.2.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.While we investigate whether or not there has been an error:-Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.-Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.-Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.-Wecanapplyanyunpaidamountagainstyourcreditlimit.After we finish our investigation, one of two things will happen:-Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled between us. Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdue on the purchase. To use this right, all of the following must be true: 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.)2.Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase, contact us in writing at the address(es) listed on your statement. Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent.