Annual Percentage Rate 49.9%
(APR) for Purchases

APR for Cash Advances 49.9%

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

$75.00

for first year; after first year,

$45.00

annually

‘ Monthly Servicing Fee None

for first year; after first year,

$78.00

annually ($6.50 per month)

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 4.1583% and for Cash Advances is 4.1583%. 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 49.9% for Purchases and 49.9% on Cash Advances.

INTEREST CHARGES

INTEREST CHARGES

INTEREST CHARGES

INTEREST CHARGE

The

Reduction of the ANNUAL PERCENTAGE RATE
Credit Account may be automatically reduced from 49.9% to 39.9%. To qualify for a reduced 39.9%
limit, and your Credit Account must have never been more than 30 days past due in any previous Billing Cycle. Your Credit Account will be reviewed one time only for this
reduction. If your Credit Account does not meet the above criteria when reviewed, the
eligibility to reduce the

: After your Credit Account has been open for 12 months, in month 13, the

will not be reduced and your Credit Account will not be reviewed again for

, your Credit Account cannot be currently past due or over the credit

ANNUAL PERCENTAGE RATE

on your

.APR

APR

APR

The minimum

INTEREST CHARGE

is $1.00 for each Billing Cycle during which an

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 $75.00 for the first year, and $45.00 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.
Monthly Servicing Fee: Your Credit Account will be charged a Monthly Servicing Fee of $6.50 per month ($78.00 annually) until your Credit Account is closed and the
balance is $20.00 or less. This fee will not be assessed in the first 12 months your Credit Account is open.
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,

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) 7% 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.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent 
on that amount.
• The charge in question may remain on your Statement, and we may continue 
to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for 
the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in 
question, along with applicable interest and fees. We will send you a statement 
of the amount you owe and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled 
between us.
If we do not follow all of the rules above, you do not have to pay the first $50.00 
of the amount you question even if your bill is correct.
Your  Rights  If You Are  Dissatisfied  With Your  Credit  Card  Purchases:  If 
you are dissatisfied with the goods or services that you have purchased with 
your credit Card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 
the Purchase.
To use this right, all of the following must be true:
(1) The Purchase must have been made in your home state or within 100 miles 
of your current mailing address, and the Purchase price must have been more 
than $50.00.  (Note: Neither of these are necessary if your Purchase was based 
on an advertisement we mailed to you, or if we own the company that sold you 
the goods or services.)  
(2) You must have used your credit Card for the Purchase. Purchases made 
with Cash Advances from an ATM or with a check that accesses your Credit 
Account do not qualify.
(3)  You must not yet have fully paid for the Purchase.
If all of the criteria above are met and you are still dissatisfied with the Purchase, 
contact us in writing (or electronically) at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
     www.mypremiercreditcard.com 
While we investigate, the same rules apply to the disputed amount as discussed 
above.  After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you 
as delinquent. 
Your Liability for Unauthorized Use of Your Credit Account: You will not be 
liable for unauthorized use of your Card or Credit Account. However, to protect 
your rights, you are required to notify us orally or in writing as soon as you are 
aware that your Card or Credit Account has been lost, stolen or used without 
your consent. Certain exceptions apply and you may be liable for up to $50.00. 
To notify us of the loss, theft or possible unauthorized use of your Card, call us 
at 1-800-987-5521, 24 hours a day. 

STATE DISCLOSURES
California  Residents:  A  married  applicant  may  apply  for  a  separate  Credit 
Account.  As  required  by  law,  you  are  hereby  notified  that  a  negative  credit 
reporting  reflecting  on  your  credit  record  may  be  submitted  to  a  Consumer 
Reporting Agency if you fail to fulfill the terms of your credit obligations. After 
credit approval, each applicant shall have the right to use the Credit Account 
up to the limit of the Credit Account. Each applicant may be liable for amounts 
extended under the plan to any joint applicant.

Delaware Residents: Service charges not in excess of those permitted by law 
will be charged on the outstanding balances from month to month.
Kentucky Residents: You may pay the unpaid balance of your Credit Account 
in whole or in part at any time.
Maine Residents: Credit insurance provided herein is voluntary and you have 
the right to cancel such credit insurance at any time.
New  York  and  Vermont  Residents:  First  PREMIER  Bank  may  obtain  a 
consumer  report  for  any  legitimate  purpose  in  connection  with  your  Credit 
Account or your application, including but not limited to reviewing, modifying, 
renewing and collecting on your Credit Account. Upon your request, we (First 
PREMIER Bank) will inform you of the names and addresses of any Consumer 
Reporting Agencies that have furnished the reports.  New York residents may 
contact the New York State Banking Department (1-877-226-5697) to obtain a 
comparative list of credit card rates, fees and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors 
make credit equally available to all credit worthy customers, and that Consumer 
Reporting Agencies maintain separate credit histories on each individual upon 
request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this 
law.
Married Wisconsin Residents: No provision of any marital property agreement, 
unilateral statement, or court order applying to marital property will adversely 
affect a creditor’s interests unless prior to the time credit is granted, the creditor 
is  furnished  with  a  copy  of  the  agreement,  statement,  or  court  order,  or  has 
actual knowledge of that provision.

TERMS AND CONDITIONS
OF YOUR REQUIRED DEPOSIT ACCOUNT
The following additional terms apply in connection with your required deposit 
account. 
Deposit:  An  initial  deposit  account  balance  is  needed  to  open  your  Credit 
Account.  The initial deposit account balance amount needed is printed in the 
Account  Opening  Disclosures  on  the  card  carrier  containing  your  Card.   Any 
amount received in the first 30 days your Credit Account is open that exceeds 
your initial Security Deposit account balance will be applied as a payment to 
your Credit Account.  You may make additional deposits to your deposit account 
up to a maximum deposit account balance of $5,000 after the Credit Account 
has been open for 30 days. Any non-cash items tendered for deposit, (including 
items drawn on us) will be given only provisional credit until collection is final. 
Security Deposit funds remitted using  a checking account may be held up to 6 
business days .We are not responsible for transactions initiated by mail or outside 
depository  until  we  actually  receive  them.  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.
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. 

TRUTH IN SAVINGS DISCLOSURE –
SECURITY DEPOSIT ACCOUNT
Rate Information:  This is a non-interest bearing Security Deposit Account.  The 
Interest Rate and Annual Percentage Yield is 0%. 
Minimum Balance Limitations:  The minimum balance to open this Security 
Deposit  Account  is  $95.00.  Once  your  balance  reaches  $95.00,  your  Credit 
Account will be opened. We must receive the entire $95.00 within 85 days from 
the date we received your application, or any money applied to your Security 
Deposit Account will be refunded.
Transaction Limitations:  No withdrawals will be permitted from your Security 
Deposit Account while there remains a balance on your Credit Account or while 
you retain possession of any First PREMIER Bank credit cards.  The maximum 
amount  of  funds  that  may  be  deposited  into  this  Security  Deposit Account  is 
$5,000.00. Security Deposits in the amount of $500.00 or greater must be in the 
form of guaranteed funds through credit card, debit card, bank wire, Western 
Union® Quick Collect ®or Money Gram® Express Payments®.  Security Deposit 
funds remitted using a checking account may be held for up to 6 business days, 
which will delay the opening of your Credit Account.  

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

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

shall honor claims of privilege recognized at law. In conducting the arbitration 
proceeding,  the  arbitrator  shall  not  apply  any  federal  or  state  rules  of  civil 
procedure  or  evidence.  PURSUANT  TO  THIS  ARBITRATION  PROVISION, 
THERE  IS  NO  RIGHT  TO  ENGAGE  IN  PREARBITRATION  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 
EXCEPT  TO  THE  EXTENT  PUNITIVE  DAMAGES  WOULD  BE AVAILABLE 
IN LITIGATION. For awards not in excess of $5,000.00, upon the timely request 
of any party, the arbitrator shall provide a brief written explanation of the basis 
for the award. In the event an award exceeds $5,000.00, or in which there is a 
request for equitable relief with a potential financial impact or value in excess 
of $5,000.00, the award of the arbitrator shall be in writing and shall specify the 
facts and the law on which it is based. In such case, the arbitrator’s findings of 
fact must be supported by substantial evidence and the arbitrator’s conclusions 
of law must not be based on legal error or be erroneous under the applicable 
substantive law. Further, in addition to the Federal Arbitration Act’s grounds for 
vacation, modification or correction of the arbitrator’s award, the parties shall 
have the right to judicial review of the arbitrator’s award to determine whether the 
arbitrator’s findings of fact are supported by substantial evidence and whether 
the  arbitrator’s  conclusions  of  law  are  based  on  legal  error  or  are  erroneous 
under the applicable substantive law. Judgment upon the award rendered by 
the arbitrator may be entered in any court having jurisdiction thereof. However, 
if  the  award  is  in  excess  of  $5,000.00,  judgment  may  be  entered  only  upon 
determination by the court that the award is supported by substantial evidence 
and is not erroneous or based on legal error.
Expenses: Regardless of who demands arbitration, we will pay all expenses 
of  arbitration,  including  the  filing,  administrative,  hearing  and  arbitrator’s  fees 
(“Arbitration Fees”), to the extent that the Arbitration Fees exceed the amounts 
you  would  be  required  to  pay  for  filing  a  lawsuit  in  a  court.  Throughout  the 
arbitration, each party shall bear his or her own attorney fees and expenses, 
such as witness and expert witness fees. If you prevail in the arbitration of any 
Claim against us, we will reimburse you for any fees you paid to the arbitration 
organization in connection with the arbitration.
Binding  Effect  and  Survival:  You  and  we  agree  that,  except  as  specifically 
provided for above, the arbitrator’s decision will be final and binding on all parties 
subject to this Provision. This Provision is binding upon you, us, and the heirs, 
successors, assigns and related third parties of you and us. This Provision shall 
survive termination of your account, whether it be through voluntary payment of 
the debt in full by you, a legal proceeding initiated by us to collect a debt that you 
owe, a bankruptcy by you or a sale of your Credit Account by us.
Severability: If any portion of this Provision is deemed invalid or unenforceable 
under any law or statute consistent with the FAA, such a finding shall not invalidate 
any remaining portion of this Provision, the Contract or any other agreement 
entered  into  by  you  with  us.  However,  the  prohibition  on  class  arbitration  is 
not  severable  from  the  remainder  of  this  Provision.  In  the  event  that  a  court 
deems the prohibition on class arbitration to be invalid and unenforceable, any 
subsequent class action or representative proceeding shall be in a court of law 
and will not be subject to binding arbitration.

M-104924                               Q-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 or initial deposit account balances are required to be paid or funded prior to 
opening your Credit Account, this Contract will not be effective and your Credit 
Account will not be opened until such fees or deposit account balances are paid 
or funded in full. You are not obligated to pay any fees or INTEREST CHARGES 
(other than any fees or deposit account balances required to be paid or funded 
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 27 days from the Closing Date.

“Proper  Form”  means  that  a  payment  sent  by  mail  or  courier  follows  these 
guidelines:

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

Statement.

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

dollars payable to First PREMIER Bank.

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

a U.S. branch of a foreign bank.

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

“Related Credit Account(s)” means any Credit Accounts established using the 
same Social Security Number.
“Statement” is a summary of your Credit Account activity provided to you at the 
end of each Billing Cycle.
“Total Minimum Amount Due” means the total minimum amount we request 
that you pay each month as indicated on your Statement. This amount includes 
the 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: After your Credit Account is opened, 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  27  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. 

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

property. 

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

reason.

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

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

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

CLOSING YOUR CREDIT ACCOUNT
We  May  Suspend  or  Close  Your  Credit  Account:  We  may  suspend  your 
Credit Account privileges or permanently cancel and close your Credit Account 
at any time, for any reason.
You  May  Close Your  Credit Account:  You  may  cancel  your  Credit Account 
at any time by notifying us by telephone or in writing. Even after your Credit 
Account is closed, you remain responsible for paying any amounts you owe on 
the Credit Account according to the terms of this Contract. If this is a joint Credit 
Account, either of you may request that the Credit Account be closed and we 
will honor that request. 
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 80 days delinquent (75 days 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 by 

a state or federal agency or court.

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

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

•  To  share  information  with  our  employees,  agents  or  representatives 

performing work for us in connection with your Credit Account.

•  To communicate information as to our transactions or experiences with 
you to persons or entities related by common ownership or affiliated by 
corporate control or with any third party (including non-affiliates).
We  may  also  share  information  such  as:  (1)  information  other  than  our 
own  transactions  with  you  with  persons  or  entities  related  to  the  Bank 
by  common  ownership  or  corporate  control;  or  (2)  information  on  your 
Credit Account  with  certain  companies  to  provide  or  offer  you  selected 
products, services or cardholder benefits. You may direct us not to share 
one or both of these. If this is your request call 1-800-987-5521 or notify us in 
writing at First PREMIER Bank, P.O. Box 5528, Sioux Falls, SD 57117-5528. 
Be sure to include your name, address and Credit Account number. You may 
receive a copy of our information on your Credit Account by writing or calling 
us at the address or telephone number listed above. By requesting or obtaining 
a Credit Account, you authorize us to check your credit history. You authorize 
your  employer,  bank  and  any  other  references  listed  to  release  and/or  verify 
information to us and our affiliates in order to determine your eligibility for the 
Credit Account and any renewal or future extension of credit. If you ask, you will 
be told whether or not consumer reports on you were requested and the names 
of the Consumer Reporting Agencies, with their addresses, that provided the 
reports. If you designate an Authorized User to use your Card, you understand 
that account information may also be reported to Consumer Reporting Agencies 
in the Authorized User’s name.
No Waiver: Even if we do not exercise any right we may have against you, we 
do not intend to waive that right. We can exercise it against you in the future.
Binding  Effect  Upon  Death  or  Incompetency:  If  we  pay  a  merchant  for  a 
Purchase  or  post  a  Cash Advance  to  your  Credit Account  before  we  receive 
actual written notice of your death or incompetence, or if we pay a merchant for a 
Purchase made by you or post a Cash Advance taken by you prior to your death 
or  incompetence,  that  transaction  will  be  a  valid  and  binding  Credit Account 
obligation upon you, your estate and your personal representatives.

Our Liability To You: We have no liability to you, other than as placed on us by 
law. We will meet our duty to care for your Credit Account(s) under reasonable 
banking  procedures.  Our  mere  clerical  error  or  honest  mistake  will  not  be 
considered a failure to perform any of our obligations.
Transactions in Foreign Currencies: If you make a transaction in a foreign 
currency,  it  will  be  converted  into  U.S.  dollars,  and  you  agree  to  accept  the 
converted  amount.  Visa  USA,  Inc.  or  MasterCard  International,  Inc.  will  use 
its currency conversion procedures in effect when processing the transaction. 
The  currency  conversion  rate  will  be  a  rate  selected  by  Visa  or  MasterCard, 
as applicable, from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate 
Visa or MasterCard itself receives, or the government-mandated rate in effect 
for  the  applicable  central  processing  date,  in  each  instance,  plus  a  foreign 
currency  transaction  fee  in  the  amount  disclosed  on  your  Account  Opening 
Disclosures printed on the card carrier containing your Card. This fee will be paid 
to us and applied to all transactions posted to your Credit Account in a foreign 
currency, including all Purchase transactions, Cash Advance transactions, ATM 
transactions and returns and adjustments (e.g., for returned merchandise). The 
currency conversion rate used on the processing date may be different than the 
rate that was in effect on the date you conducted the transaction. We do not 
set the currency conversion rate, and we do not receive any portion of it. We 
do, however, receive a foreign currency transaction fee as disclosed on your 
Account Opening Disclosures printed on the card carrier containing your card.
Prohibition  on  Gambling  and  Illegal  Transactions:  Your  Card  and  Credit 
Account may not be used in connection with any gambling transaction (whether 
legal or illegal). Also, your Card and Credit Account may be used only for valid 
and  lawful  purposes.  If  you  use,  or  allow  someone  else  to  use  your  Card  or 
Credit Account for any unlawful purpose or for any gambling transaction, you will 
be responsible for such use and may be required to reimburse us for all amounts 
or expenses we pay as a result of such use.
Call Recording: We reserve the right to monitor and/or record telephone calls 
for  quality  and  training  purposes.  This  includes  both  calls  to  and  originated 
by First PREMIER Bank, PREMIER Bankcard, LLC, or any of our affiliates or 
service providers.

YOUR BILLING RIGHTS
KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement: If you think there is an 
error on your statement, write to us at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
(You may also contact us on the Web:  www.mypremiercreditcard.com.)
In your letter, give us the following information:
• Account information: Your name and Credit Account Number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what 
you believe is wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your Statement.
• At least three business days before an automated payment is scheduled, if you 
want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing (or electronically). You may 
call us, but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question.
What  Will  Happen After  We  Receive Your  Letter:  When  we  receive  your 
letter, we must do two things:
(1) Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
(2) Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.