Annual Percentage Rate 19.9%
(APR) for Purchases

APR for Cash Advances 19.9%

Your due date is at least 27 days after the close of each billing cycle. We will not charge you interest
on purchases if you pay your entire balance by the due date each month. We will begin charging
interest on cash advances on the transaction date.

If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when applying for or using a credit card, visit the website of
the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Paying Interest

Minimum Interest
Charge

For Credit Card Tips
from the Federal
Reserve Board

Set-up and
Maintenance
Fees

‘ Annual Fee

$50.00 annually

Transaction Fees

‘ Cash Advance

Either

$6.00

or

5%

of the amount of each cash advance, whichever is greater.

‘ Foreign Currency

3% for each transaction in U.S. dollars.

Penalty Fees

‘ Late Payment

Up to $35.00

‘ Return Item Charge

Up to $35.00

How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
See your Account Opening Disclosures for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided in your Credit Card Contract and on the back of your Statement.

  
                                                                                                                                                               
                                                                                                  
  
  
  
FEES AND INTEREST CHARGES:

FEES AND INTEREST CHARGES: The amount of required fees assessed on your Credit Account during the first year of account opening will not be more than 25% of
your initial Credit Limit. Your Credit Account is subject to the following fees and
Periodic INTEREST CHARGES: INTEREST CHARGES are imposed when you obtain a Cash Advance and when a Purchase is posted to your Credit Account.
INTEREST CHARGES are imposed from the time a Purchase is posted until it is paid in full. However if you pay your previous balance in full on or before the Payment Due
Date shown on your previous Statement, you will have a grace period on Purchases of 27 days (from the Statement Closing Date to the Payment Due Date) and your current
to the extent you pay the current Statement in full on or before the Payment Due Date. There is no
Purchases balance will not be subject to periodic
grace period for transactions that post to your Credit Account as Cash Advances. These transactions are subject to
from the date of the transaction.
Computing Periodic INTEREST CHARGES:
is determined by multiplying the "Average Daily Balance" for Purchases and for Cash Advances
outstanding during the monthly Billing Cycle by the monthly "Periodic Rate". The monthly Periodic Rate for Purchases and for Cash Advances is determined by dividing the
ANNUAL PERCENTAGE RATE (APR) by 12. The Monthly "Periodic Rate" for Purchases is 1.6583% and for Cash Advances is 1.6583%. This is equivalent to an
ANNUAL PERCENTAGE RATE
Credit Account as well as Purchases and Cash Advances.

This ANNUAL PERCENTAGE RATE will be applied to fees assessed to your

, each of which will be billed to your Credit Account as a Purchase.

of 19.9% for Purchases and 19.9% on Cash Advances.

INTEREST CHARGES

INTEREST CHARGES

INTEREST CHARGES

INTEREST CHARGE

The

The minimum

INTEREST CHARGE

The "Average Daily Balance" is computed by taking the beginning balance of your Credit Account on each day, calculated separately for Purchases and Cash Advances,
adding new Purchases and/or Cash Advances and subtracting any payments or credits to get each day's daily balance. The daily balances are then added together and
divided by the number of days in the Billing Cycle to get the "Average Daily Balance".
Minimum INTEREST CHARGE:
imposed. During the first 12 months your Credit Account is open, any interest assessed on the Credit Account will be equal to the actual accrued interest.
Annual Fee: We impose an Annual Fee on your Credit Account of $50.00 for the first year, and $50.00 for each subsequent year. The Annual Fee will be charged once the
Credit Account is opened, and in about the same Billing Cycle of each following year. Refer to the Refund Disclosure for additional information.
Cash Advance Fee:
whichever is greater. This fee will not be assessed to Cash Advances taken in the first 12 months your Credit Account is open.
Foreign Currency Transaction Fee: 3% of the Transaction Amount in U.S. dollars. This fee will not be assessed to foreign transactions made in the first 12 months your
Credit Account is open.
Late Fee: In every Billing Cycle in which your payment is late, you will be charged a Late Fee up to $35.00.
Return Item Charge: We impose a Return Item Charge up to $35.00 when a payment on your Credit Account is returned by the financial institution on which it was drawn
for insufficient funds or any other reason. The charge may be imposed even if we elect to re-present the item and it is paid upon our re-presentment.

on Cash Advances, there is an additional fee of $6.00 or 5% of the amount of each Cash Advance,

is $1.00 for each Billing Cycle during which an

based on a periodic rate is

In addition to the periodic

INTEREST CHARGE

INTEREST CHARGE

OTHER CHARGES:
Additional Card Fee: If you authorize us to issue an additional Card on the Credit Account there is an Additional Card Fee of $29.00 imposed annually for each additional
Card.
Credit Limit Increase Fee: Each time your Credit Account is eligible for and approved for an unsecured credit limit increase, a Credit Limit Increase Fee in the amount of
25% of the amount of the credit limit increase will be assessed to your Credit Account. For example: If approved for a $100.00 credit limit increase, a $25.00 Credit Limit
Increase Fee will be assessed to your Credit Account, which will result in an additional available credit of $75.00 on your Credit Account. This fee is automatically assessed
upon approval of your credit limit increase, which could be as soon as your Credit Account has been open for 13 months. Refer to the Refund Disclosure for additional
information.
Copying Fee: If you request a duplicate of any sales draft, Statement, or other document, we will charge you $3.00 for each copy we provide.
Credit Insurance: Disability and loss of income insurance is not required.
Express Delivery Fee: We impose a $35.00 fee for the express delivery of your Card. This service is only available for lost, stolen, or replacement Cards.
Wire Transfer Fee: $5.00 per Transaction.
Minimum Payment: Cutoff Time and Form of Payment: Each month that a New Balance is due, you must pay us at least the Amount Due This Period and Past Due
Amount as shown on your Statement. We must receive your payment on or before the Payment Due Date shown on your Statement. Payment(s) received in Proper Form,
will be credited as of the date of receipt at the address on the payment coupon of your Statement if received by 5:00 pm Central Time, Monday through Friday (federal
holidays excluded). Payments not received in Proper Form may delay the posting to your Credit Account. The Payment Due Date will be at least 27 days from the Closing
Date. Your Payment Due Date will be the same numeric date each month.

If your New Balance exceeds $30.00, the
dollar), or $30.00 whichever is more (or the entire New Balance, if the New Balance is less than $30.00), and (ii) any
Minimum Amount Due
requested on your Statement will not, by itself, cause your Credit Account to be delinquent. You may pay your entire balance at any time.

on your Statement will also include the amount by which the New Balance exceeds your Credit Limit. Failure to pay the

Past Due Amount

Total Minimum Amount Due

will be the sum of (i) 4% of your New Balance at the end of the Billing Cycle (rounded up to the next

. The amount requested as the
Amount Over Limit Due

Total
as

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

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.firstpremier.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.

TERMS AND CONDITIONS
OF YOUR REQUIRED DEPOSIT ACCOUNT
The following additional terms apply in connection with your required deposit 
account. 
Deposit: Any non-cash items tendered for deposit, (including items drawn on 
us) will be given only provisional credit until collection is final. If interest is paid 
on your deposit account, interest will begin to accrue on the business day you 
deposit non-cash items subject to collection being final. We are not responsible 
for transactions initiated by mail or outside depository until we actually receive 
them. Once the deposit account is established additional deposits of $50.00 
or more will be accepted for the purpose of increasing the Credit Limit on your 
Credit Account. The Credit Limit on your Credit Account will not exceed the 
deposit account balance unless we have specifically authorized the extension 
of additional “unsecured” credit. We have no obligation to consider you for an 
extension of unsecured credit at any time.
Withdrawals: Since this deposit account is collateral for your Credit Account, 
withdrawals are not permitted from this deposit account while there remains an 
outstanding balance in your Credit Account or while you retain possession of 
any Card. In the event that your Credit Account is cancelled either by you or by 
us, we shall have a period of ninety (90) days from the earlier of the date of the 
return of your Card or the expiration date of the Card for all charges made on 
the Card to clear. When we receive payment in full under your Credit Account, 
and  upon  the  expiration  of  this  period,  we  will  remit  to  you  the  full  amount 
remaining in your deposit account.
Additional Terms and Disclosures: Additional information about your deposit 
account, including applicable federal Truth In Savings Act disclosures, were 
provided to you upon our receipt of your initial deposit.
Account Balance Information: A deposit account balance of at least $200 is 
needed to activate your Credit Account. You may make additional deposits up 
to a maximum deposit account balance of $5,000. 

Ownership  of  Account:  Individuals--If  the  deposit  account  is  opened  in 
the name of one person, it means the owner does not intend to create any 
survivorship rights in any other person. Joint Accounts--If the deposit account 
is opened in the name of more than one person, each person intends that upon 
their death the balance in the deposit account (subject to the pledge to us) will 
belong to the surviving person(s) named on the account. 
Bankruptcy:  If  you  become  a  debtor  in  any  proceeding  under  the  United 
States Bankruptcy Code you agree that you will recognize us as a perfected 
secured creditor with respect to the deposit account and that you will declare 
the  deposit  account  as  exempt  property  pursuant  to  the  provisions  of  the 
United States Bankruptcy Code or applicable State exemption laws.
Amendments: We may amend the terms and conditions applicable to Your 
Required Deposit Account separately from the remainder of this Contract at 
any time upon reasonable notice to you by mail, as required by law. If this is a 
joint account, notice by us to one of you is notice to both. 
Pledge  Agreement:  As  a  security  for  the  payment  of  all  credit  extended 
through your Credit Account, you pledge to, and grant First PREMIER Bank, 
its successors and assigns, a security interest in all funds now and hereafter 
deposited in your deposit account. You authorize us to unconditionally restrict 
withdrawals  from  your  deposit  account.  If  your  Credit Account  is  in  default, 
or  if  your  Credit Account  is  terminated  for  any  reason,  we  may  at  any  time 
thereafter, and without notice to you (unless otherwise required by law), apply 
all  or  part  of  the  funds  in  your  deposit  account  to  the  payment  of  any  and 
all amounts owed on your Credit Account. We may also exercise any other 
remedies under the terms of this Contract or otherwise available in law. 

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 any of two national arbitration organizations: 
the National Arbitration Forum (“NAF”), or the American Arbitration Association 
(“AAA”).  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.  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 each respective organization may be obtained as follows: National 
Arbitration  Forum,  (1-800-474-2371),  P.O.  Box  50191,  Minneapolis,  MN 
55405, website at www.arb-forum.com; 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  DISCOVERY 
EXCEPT AS PROVIDED FOR IN THE RULES AND 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. 
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-104925                                SEC                                11/11

First PREMIER Bank
CREDIT CARD AND DEPOSIT ACCOUNT 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.
Effective  Date:  Unless  you  are  a  resident  of  the  State  of  New  York,  this 
Contract is effective upon the earlier of (1) the first Purchase made or Cash 
Advance taken on your Credit Account, and (2) the expiration of 30 days from 
the date we issue the Card to you if you do not provide us written notice of 
your desire to cancel within this 30 days. If you are a resident of the State of 
New York, this Contract is not effective until the earlier of (1) the first Purchase 
made or Cash Advance taken on your Credit Account, and (2) the date you 
move from the State of New York, unless the date you move from the State of 
New York is less than 30 days from the date we issue a Card to you, in which 
case this Contract will be effective on the date that is 30 days from the date 
we issue a Card to you (and not the date you move from the State of New 
York) if you do not provide us written notice of your desire to cancel within this 
30 days. In all cases, if any fees are required to be paid prior to opening your 
Credit Account, this Contract will not be effective and your Credit Account will 
not be opened until such fees are paid in full. You are not obligated to pay any 
fees or INTEREST CHARGES (other than any fees required to be paid prior to 
opening your Credit Account) until this Contract is effective.

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 25 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 Amount Due This Period, 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.  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.

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 25 days from the Closing Date, to pay the Total Minimum 
Amount Due.
Applying  Your  Payments:  We  will  apply  payments  to  balances  subject  to 
higher INTEREST CHARGES and other charges before applying payments 
to balances subject to lower INTEREST CHARGES and other charges.  We 
may apply your payments to principal amounts, Cash Advances, INTEREST 
CHARGES, other charges and other amounts in any order in our discretion, 
and may change the order of the 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. 

from the initial Statement Closing Date if you are a resident of the State of 
New York).
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
Required Deposit: We require your Credit Account to be secured by a deposit 
account which you must maintain at First PREMIER Bank. Additional terms 
and conditions governing the deposit account are explained elsewhere in this 
Contract. 
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.
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 

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

by a state or federal agency or court.

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. 
Non  Use  Inactivity  Closure:  If  you  have  never  made  a  payment  or  used 
your  Credit Account  for  a  Purchase  or  Cash Advance,  your  Credit Account 
will be automatically closed, and all fees posted to your Credit Account will be 
reversed,  when  your  Credit Account  becomes  50  days  delinquent  (75  days 

•  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 
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.firstpremier.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.