NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES |* MM       ll   eae bY MAIL PAPILLION NE 68046-9929 PINNACLE BANK PO BOX 461209     BUSINESS FIRST-CLASS MAIL POSTAGE WILL BE PAID BY ADDRESSEE   FEDERAL CREDIT APPLICATION INSURANCE DISCLOSURE oe = Pinnacle Bank offers a Group Credit Card Insurance Program. This program | - (soffesed and underwritten by Central States Health and Life Co. of Omaha and Central States Indemnity Co, OF Omaha, hoth of Omaha, Nebraska, You are notyequired to purchase the Payrnent Protection Plan form the bank or itsafiillates narare you prohibited from surchasing insurance elsewhere to yeceive an extension of credit fram the bank, FEDERAL SALE OF INSURANCE DISCLOSURE _ The Payment Protection Plan is nat.a deposit of or guaranteed by the bank, the FDIC or any other agency of the United States, By signing, | acknowledge that I nave secelved a copy of both (Federal Credit Application Insurance and Federal Sate of Inserance) disclosures on today’s date. Unless this disclosave is provided electronically or! have applied for credit by mail, | alsa acknowledge that this disdasure has been provided orally,   i X   individually Date X   Individually Date This Visa® Card may not be used for any illegal transaction.       A fee may be Imposed by an ATM operator not halding the consumer's account, or by any national, regional or local network used to complete the with you wherever you g6 transaction. Muiti-Currency Converstan Rates Ifyou effecta transaction with your Visa® card in a currency ether than U.S. Dollars, Visa® will convert the charge Into a U.S, Dollaramount. This rate may differftom day to day. A 1.0% Fee is assessed on International transactions when 2 currency conversion occus This fee is unchanged. Visa® will also impose a fee on foreign transactions where a currency conversion Is not performed. Visa® Classic é Pinnacle Bank When you use the... @ Pinnacle Bank Visa® Credit Card for the purchase of goods or services, the following benefits are yours! ADVANTAGE - TRAVEL « Travel Reservation Service + Bonus Travel Dividends » Concierge Services . + Automobile Rental Insurance + Auto Rental Discount + Medical Assistance Services » Travel Protection - Lost Luggage Locater Service = Lost or Damaged Euqgage Insurance ~Hotel-Moted Burglary dasurance + Payment Card Registration + Quarterly Nawslettey + KeyRegistration . TRAVEL ACCIDENT INSURANCE You, your'spouse and dependent children up to age 19 (age 25 Ifa Full-time student at any institute of higher Jearning} are automatically covered with common carrier travel accident Insurance every time you travel hy ai, bus, tratn, ship, taxi, orany athes common canter anywhere inthe world when you charge your entire fare to ourcard. This coverage is provided toyou at NOEXTRA COSE. CREDIT INSURANCE Our Credit Insurance pragram can pratect your card, your family, and your ceditrating when you may need ft most due to unexpected events, SCORECARD® BONUS POINTS Earn Bonus Pofrets for every net retail purchase you make with our Pinnacte Bank Credit Card! You can redeem Bonws Pants for brand-name merchandise and exciting travel awards. Visit www.scorecardrewards. comand browse the current award selections, You'll be amazed at what ScoreCard® has to offer! To find out how the plan werks, askone oF our Triendly representatives. ONS mAapt                                                                                                                                          Al canrents ore accurate ot the tiie of printiig, for changes that may hove bean made Gfter printing please cait (800) 369:7253, “Interest Rates and Iivterest Charges. °°. | ! CREDIT APPLICATION . Cheek Account Chole: Baraca ceo ae a oe ns ‘ (Sgrature liad fo olat applicant) 15.6 0% ; Credit Limit t Requested $ isa’ obeuitnann Stgratues secon] Annual Pereentage Rate (APR) for Purchases , oY fo . i IMPORTANT LFORMATION ABOUT PROCEDURES FOR OPENING ANEW ACOOUNE Toa a quran he Socrg APR may vary with the marke! basad on lhe Prime Rate. {Aatlensty ia, a syed mr brn Wns ech puta vot meas ot ermal bya ottoman ren lavas action, Feces gua a on APR for Balanes Transfers NA . : Last Name Fist lakieta Soetdl Socatty Number : i : , 15.60% . a Dato af Bich Wa. of Dependents Hora Phone Gel Phone Gen Real Other | Monthly Payment APR for Cash Advances APR may vary with the markt based on the Prime Rate. i oy | i oo 8 . i Conentaddess Ponaity APR and When it Appites None : ™ . “ swe arto Pow tena Gs) Your due date is at least 25 days after the close of each billing cycle. We wilf not charge : Malling Address ( dllaraet rom abore) city Site Hp Cote Hea Leog tys) Paying Interest you Interast on retail purchases If you pay your entire balance by the due date. We will i} 3 . . . yng . begin charging interest on cash advances on fhe transaction date, We do not offer balance | i | feed | Previous Address fltess than 2 year al present tiess] City Sis ip Gade >| How long Gs) : nsfers. 1s i . . s [sda | empoyer Sell ‘Wodk Ph Mintintira interest Charge ; None i | Ba : [Sie Bie Yk Phong Date Employed Jo learn mare ebout factors o-consider when applying toror using a creditcard, visitihe | ! i ‘MMs PositentGearatian Mealy Gross income S For Credit Gard Tips from the Federal Reserve Board | wo cits of the Federal Reserve Board at r httpd ww federaltesetve.cavisraditcart ; ; i 4 ; ‘Hama and Address of Pravious Employer (it fess than 2 years al prasenl employer} How Long (yrs) i nanlavnco need nase aieaed Ft astoaees deere AmounlzerMoih§ Annual Fee $15.00 i Hearaai Relative (NetLhang vith You) : Fa Po Ralatenship Transaction Fees i TexNamne First : “Uicdle Sociol Seounty Nomber » Balance Transfer None H . Dala ol Sith No. ol Dependents Homa Phone Cell Phone ‘Own Ront Gher | MonihiyPaymeniS : | bh i) t) 2 © o + Gash Advances None aby Gumenl Across Oty Sao 2p Coda How Long ra) =. + | Rae * Foreign Transaclon 1.0% of each transaction la U.S. Dollars i if Previous Aarusa (Viens than 2 years at wedont adress) Ciy " Stale Wy Cada Tow tee Or) 7. Ei Sall Employed Woda Ba! Penalty Fees ; emer | Bier ito “~— . nner’ Address: Position/Cocupation Monthy Grogs Income $ + Late Payment Up to $20.00 = . >. | Home and Adoresy of Grediior Name ender Which Accountis Cared Account hummber Balance Montny Paya « Over-the-Credi+Limt | None = H ‘Heme Narganetent — “ ee 7 Bao Grea Onda. Namo ond AMD * Returmed Payment Nona aH ™ ms : PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNI: Tis sismens submited bin eG} od Vn cot hat al fomatin Fania hus ond o eo. Ue reo that : be mad fformavon and thet ered Other Fees i a ie Ios ago Cound Eyl forms ered een ot is rsp teopy ohn Bebe na Thalled chop mrnace ee sent etter area on aee ncoplace td + LostDamaged Fea : $20.00 - SS | time. hone feporl information about your acount to ind crock bureaus, Lats payments, missed payioents, pr lie delaty feats oun anooonk may reflected fh your rod ident ints x x ‘ $10.00 iF d witha‘ tative. No charge i d i be a - Se — = . per oecurrence if processed witha liva apresentative, No charge if processe H ; : ; ; Phone payment fee __ through the aulomated system. Ds : fie pra ralo used io determine your APR [a the rate nen et Joumal on tne 1s! day of the prior mont, The ennval percentage fale may vary Apnl 1 or October 1 1 mee Dats Approved [e line jeseser ; "Pimnacte Bunt Paplifon, NE OSDIS . FOLD AND SECURE WITH TAPE FOR MAILING Appllestion D200 FIS*OHIT each yei eee a (ermine essere tae pie 1] Cae inducing new purch Ey t open Sisctosures for more delails. 4 iy 23) ee Your AcCounI tl ‘mot Bing Rights: leformation on on your mans lo dispute bansactions en ical hose Tine: provided aa seat agreement i nes ior °  YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tetls you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF ¥GU FIND A MISTAKE ON YOUR STATEMENT Ifyou think there is an error on your statement, write to us at the address shown on your monthly billing statement. In your lener, give us the following information: . jen: Your name and account number. * Dollar Amount: The dollar arnaunt of the suspected error. . iptis : Ifyou thirik there is an ermor on your bill, describe what you believe is wrong and why you believe it is a mistake. Yeu must contact us: * Within 60 days after the error appeared on your statement. © Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing (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 ater receiving your letter, we must tell you that we received your latter. We will afso 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 enor: * 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 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.   and we may ta charge After we finish our investigation, one of two things will happen: . i: : You will not have to pay the amount in question or any interest or other fees selated to that ammount, * i i : 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. Hf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still zefuse to pay. If you do.so, we cannot report you as delinquent without also reporting that you are questioning your bill, We roust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. if we do not follow all of the rules above, you do not have to pay the first $50 of the amount in question, even if your bill is comect. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2 You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with @ check that accesses your credit card account do not qualify. 3. You mast not yet have fully paid for the purchase. H all of the criteria above are met and you are still dissatisfied with the purchase, contact us in waiting (or electronically} at the address shown on your monthly billing statement. 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, fwe think you owe an amount and you de net pay, we may report you as delinquent       REV. 01/13 01.13_CREDITCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement. You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” “Us,” and “Our” mean Pinnacle Bank/ Bank of Colorado. “You” and "Your mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card” means each credit card we issue to you for your Account. B, AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount of the transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a sales draft, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe ta be immediately due and payable, prohibit further transactions on your Account, cancel the card(s} and revoke any privileges associated with your Account.C. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shawn on your Statement. Until you do, you may have to pay {up to $50.00) for purchases made by anyone who used the card without your permission. D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, interest Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime rate published in The Wall Street Journal on the first day of the prior month ("Prime Rate”). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payrnents, creclits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. 1. GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without losing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawtul. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty if you do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMEER(S) You are responsible for promptly notifying us of a change in your name, address (including any e-mail address at which you agree to be contacted), or telephone number(s) including any wireless telephone number(s),