date, increased by one percent.  We reserve the right to charge you an additional one percent (1%) of  must agree not to use the Account.  All amounts outstanding on the Account will be immediately due  where you reside.  At your request, we will advance the ?rst $250 of the ?ling and hearing fees for any 
   the U.S. dollar amount of any international transaction, whether that transaction was originally made  and payable without notice or demand. Claim you may ?le against us.  The arbitrator will decide whether we or you will ultimately pay those 
   in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard.  (c) If you fail to pay any amount you owe under this Agreement, you will be liable for our costs of  fees.  The arbitrator shall apply applicable substantive law consistent with the FAA and applicable 
   In either case, the 1% will be calculated on the U.S. dollar amount provided to us by that entity.  The  collecting.  In addition, if we refer our claim to an attorney for collection, you will be liable for reasonable  statutes of limitation, and shall honor claims of privilege recognized at law.  Judgment upon the award 
   same process and charges may apply if any international transaction is reversed.  attorney�s fees we incur and expenses of any legal actions. rendered by the arbitrator may be entered in any court having jurisdiction.  This Arbitration Provision 
                                     28. Assignment of your Account to Another Creditor: We may assign, sell or transfer your Account  shall survive repayment of your extension of credit and termination of your Account.  The arbitration 
   YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT and amounts owed by you to another creditor at any time.  If we do, this Agreement will still be in effect  provision shall be governed by the Federal Arbitration Act, 9 U.S.C. �1 through �6.
   19. Responsibility to Pay: You agree to pay us for all Purchases, Advances, Balance Transfers, Finance  unless and until amended and any references made in this Agreement to �we�, �us�, �our� or �the Bank� 
   Charges, Account Fees and charges, any other transaction charges as provided in this Agreement and,  will refer to the creditor to which we assigned, sold or transferred the Account or amounts owed under  YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
   to the extent permitted under applicable law, attorneys fees and collection costs we incur enforcing  the Account.  You may not delegate your obligation and responsibilities to us to any third party without  This is important information about your rights and our responsibilities under the Fair Credit Billing Act. 
   this Agreement against you.  This is the case even if the Account is only used by you, or someone to  our express written consent. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
   whom you�ve given access to the Account.                             If you think your bill is wrong or you need more information about an item or transaction on your monthly 
   20. Liability for Charges: You are individually liable and you and the individual or co-obligor(s) who  THE BANK�S LEGAL RIGHTS AND OBLIGATIONS billing statement, YOU MUST WRITE TO US ON A SEPARATE SHEET OF PAPER AND SEND IT TO:
   accepted the application for credit, if any, are jointly liable for all charges to the Account including,  29. Collecting Credit Information About You: You authorize us to make any credit, employment and       Credit Card Department
   without limitation, all fees and ?nance charges.  investigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on       Hills Bank and Trust Company 
   21. Intent to Repay: Every time you use the Account, you represent to us that you intend and have  your Account.  You agree that a consumer credit report or business bureau ?le request, as applicable,        131 Main Street
   the reasonable ability to repay your Account obligations.  We rely on that representation every time  may be requested periodically from one or more credit reporting agencies (credit bureaus) and used        P.O. Box 160
   you use the Account.              in connection with your application and any update, renewal or extension of credit.  We may provide        Hills, Iowa 52235 Visa Platinum
   22. Settling a Disputed Balance: Payment in Full � If you want to settle a disagreement with us about  information about you, your Account or your credit history to credit reporting agencies and others who  Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the 
   any amount you owe by sending a check on which you have written �Payment in Full� or similar language,  may properly receive that information. ?rst bill where the error or problem appeared.  You can telephone us, but doing so will not preserve 
   you must send us a written explanation of the disagreement and dispute and send such check to: 30. Credit Bureau Disputes: If you believe we inaccurately reported credit history information about  your legal rights under the Fair Credit Billing Act.  In your letter, include the following information:
           Credit Card Department    you or the Account to a credit bureau, call us at 1-800-445-5725 or write to us at:  (1) Your name and Account number;
        Hills Bank and Trust Company       Credit Card Department       (2) the dollar amount of the suspected error; Credit Card 
         131 Main Street                  Hills Bank and Trust Company  (3) the date the transaction occurred (if possible); and
         P.O. Box 160                      131 Main Street              (4) describe the error, and explain if you can why you believe there is an error.  If you need more 
         Hills, Iowa 52235                 P.O. Box 160                 information, describe the items you are not sure about.  If you have authorized us to pay your credit 
   (See �Your Billing Rights� section for complete details.)  Writing �payment in full� or similar language on        Hills, Iowa 52235 card bill automatically from your savings or checking account, you can stop the payment on any amount 
   the check will not be enough to resolve the dispute.  If we collect a check or any payment instrument  31. Refusal to Honor Transactions: The Bank and its agents are not responsible if anyone refuses  you believe is wrong.  To stop the payment, your letter must reach us three business days before the 
   marked �Paid in Full� that you send without a written explanation of the disagreement or dispute, we will  to honor your Card or a Convenience Check, or if authorization for a particular transaction is not given.  automatic payment is scheduled to occur. Agreement
   not have waived our right to collect any remaining amount you owe us under the terms of the Account.  Although you may have credit available under the Account, we may be unable to authorize credit for  YOUR RIGHTS AND RESONSIBILITIES AFTER WE RECEIVE WRITTEN NOTICE
   23. Default: You and the Account will be in default if: a particular transaction.  The number of transactions you make as well as the dollar amount you may  We must acknowledge your letter within 90 days, unless we have corrected the error by then.  Within 
   (a) you do not make the Minimum Payment by the Payment Date (disclosed on the monthly Account  withdraw from or charge to your Account in one day may be limited, and the limit per day may vary.  90 days, we must either correct the error or explain why we believe the statement was correct.
   statement as the Payment Date);   These restrictions are for security reasons.  And, as a result, we cannot explain the details of how this  After we receive your letter, we cannot try to collect any amount you questioned or report your 
   (b) you violate any other provision of this Agreement; system works.  If your Account is over limit or delinquent, authorization of credit for transaction may  Account as delinquent.  We can continue to bill you for the amount you questioned, including Finance 
   (c) you become insolvent, assign any property to your creditors or go into bankruptcy or receivership; be declined.  We are not responsible for anything purchased with your Card or a Convenience Check,  Charges, and we can apply any unpaid amount against your Credit Limit.  You do not have to pay 
   (d) you have made false statements affecting the application or maintenance of your Account; except as expressly required by applicable law (see �Your Billing Rights� section for more details.)  You  any questioned amount while we are investigating, but you are still obligated to pay the parts of your 
   (e) you go over your Credit Limit; must return goods you purchased with the Card or Account to the Merchant and not to us.  Third party  Account that are not in question.
   (f) we have any reason to believe that the Account is in danger of, or is being used for fraud; or offers � From time to time, third parties may provide you with bene?ts not related to the extension  If we ?nd that we made a mistake on your bill, you will not have to pay any Finance Charges related 
   (g) anything happens that we believe in good faith materially increases the risk that you will not live up  of Account credit.  We are not liable for these features, services and enhancements, as they are the  to the questioned amount.  If we did not make a mistake, you may have to pay Finance Charges and 
   to your payment and other obligations under this Agreement. sole responsibility of the third party provider.  The Bank and/or third party may add, change or delete  you will have to make up any missed payments on the questioned amounts.  In either case, we will 
   If you are in default, we may, to the extent permitted by applicable law, set-off and withdraw any portion  entirely these bene?ts without notice or liability to you, to the extent permitted by applicable law.  You  send you a statement of the amount you owe and the date that it is due.
   or all of the amount due under your Account Agreement against any balance, credit, deposits, accounts  agree to hold us harmless form any claim, actions or damages resulting from your use of any of these  If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if 
   or other property of yours in our possession, after giving you any notice required by applicable law.  features, services, or enhancements, when permitted by applicable law. our explanation does not satisfy you and you write us within ten days telling us that you still refuse 
   Should the obligation fall delinquent, and a judgment is obtained then the judgment shall accrue interest  32. Telephone Monitoring: From time to time, we may monitor telephone calls you make to us or  to pay, we must tell anyone we report you to that you have a question about your bill.  And, we must 
   at the rate of 18.00% per annum until the judgment is paid in full.  our agents. tell you the name of anyone we reported you to.  We must tell anyone we report you to that the 
   24. Illegal Purchases: The Card must not be used for any unlawful purpose, such as tending any  33. Severability: If a court of competent jurisdiction ?nds any part of this Agreement illegal or  matter has been settled between us when it ?nally is.
   account that is set up to facilitate online gambling.  You agree that you will not use or knowingly permit  unenforceable, the remaining portions of the Agreement will remain in effect as written after any such 
   another to use the Card or Account for any transaction that is illegal under applicable law. SPECIAL RULES FOR CREDIT CARD PURCHASES
                                     illegal or unenforceability porting is amended in compliance with applicable law or, if necessary, voided.
                                                                        If you have a problem with the quality of property or services that you purchased with your credit card, 
                                     34. Entire Agreement: This version of the Agreement replaces any previous versions of the Agreement. 
   THE BANK�S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT            and you have tried in good faith to correct the problem with the Merchant, you may have the right not 
                                     The Agreement, as modi?ed by any change in terms we may deliver from time to time in accordance  Hills Bank
   25. Ownership of this Account; Governing Law: Your Card and any other Account access devices  to pay the remaining amount due on the property or services.  There are two limitations on this right 
                                     with applicable law, constitutes the entire agreement between you and us, and supersedes any prior 
   that we supply to you are our property, and must be immediately returned to us or otherwise destroyed or  and both must apply:
                                     negotiation or understanding between you and us concerning the subject matter of the Agreement. and Trust Company
   surrendered as we instruct.  We extend all Account credit to you in and from the State of Iowa, regardless  (1) You must have made the purchase in your home state or, if not within your home state within 100 
                                     35. Waiver: We do not give up our rights under the Agreement or applicable law when we fail to exercise 
   of where you reside or use the Account.  This Agreement is governed by Iowa law, and, to the extent  miles of your current mailing address; and 
                                     or delay exercising these rights.  Our failure or delay to exercise any right or remedy we have against  Member FDIC � hillsbank.com
   necessary for interest exportation or consumer protection purposes, by federal law, regardless of the  (2) The purchase price must have been more than $50.
                                     you does not mean that we waive that right.
   internal con?ict of law principles of the state where you reside or use the Account.  If a dispute arises  The conditions do not apply if we own or operate the merchant or if we mailed you the advertisement 
                                     36. Arbitration: In requesting an Agreement from us and accepting the Agreement, you agree that if 
   and you ?le a lawsuit against us, service or process must be made on the Bank at the following address:  for the property or services.
                                     a dispute of any kind arises out of this Agreement, either you or we may choose to have that dispute 
        Credit Card Department                                          SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH  Credit Card Department
                                     resolved by binding arbitration.  If arbitration is chosen by any party, neither you nor we will have the 
        Hills Bank and Trust Company                                    CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS.
                                     right to litigate that claim in court or to have a jury trial on that claim, or to engage in pre-arbitration  131 Main St � PO Box 160
        131 Main Street                                                        Hills Bank and Trust Company 
                                     discovery, except as provided for in the arbitration rules.  In addition, you will not have the right to 
        P.O. Box 160                                                            Credit Card Department
                                     participate as a representative or member of any class of claimants pertaining to any claim subject to 
                                                                                                                       Hills, IA 52235
        Hills, Iowa 52235                                                       131 Main Street
                                     arbitration.  The Arbitrator�s decision will generally be ?nal and binding.  Other rights, that you would 
   26. Changing the Agreement: The Bank may change all or any part of this Agreement at any time,          P.O. Box 160
                                     have if you went to court, may also not be available in arbitration.  It is important that you read the entire 
   including changing the APR and other fees on the Account, unless prohibited by law.  We will give         Hills, Iowa 52235 1-800-445-5725
                                     Arbitration Provision carefully before accepting the terms of this Agreement.
   at least 30 days notice before the effective date of any change.  On the effective date, the changes,            1-800-445-5725
                                     Any claim, dispute or controversy (whether in contract, regulatory tort or otherwise, whether pre-existing, 
   including any changes in APR or recalculation of Finance Charges, will apply to all amounts you owe at  present or future and including constitutional, statutory, common law, intentional tort and equitable 
   the time the change goes into effect.  If you do not agree to the changes, you must notify us in writing  We may report information about your account to credit bureaus.  Late payments, missed payments, 
                                     claims) arising from or relating to (a) the card it offered or provided to you; (b) the actions of you, or 
   within 25 days after the effective date of the change; you also must pay any remaining amount due  or other defaults on your accounts may be re?ected in your credit report.
                                     third parties; or (c) the validity of this arbitration provision individually and collective, (a �Claim�) must, 
   and destroy the Card.  You may pay the remaining amount all at once or the Bank may allow you to  after an election by you or us, be resolved by binding arbitration in accordance with this arbitration  Rev. 8/10
   continue making payments under the existing terms.  Otherwise, you will have agreed to the changes  provision and the Commercial Arbitration Rules of the American Arbitration Association (�AAA�) in effect 
   in the notice.  Use of the Account after the effective date of the changes shall be deemed acceptance  when the Claim is ?led (or, in the event this arbitrator or these arbitration rules are no longer available, 
   of the new terms, even if the 25 days have not expired. then a comparable substitute arbitration procedure and/or arbitration organization that does business 
   27. Cancellation:                 on a nationwide basis).  There shall be no authority for any Claim to be arbitrated on a class action 
   (a) The Bank may cancel the Account or suspend credit privileges immediately and without notice if  basis.  An arbitration can only decide our or your Claim and may not consolidate or join the claims 
   the Account is in default.  We may also cancel the Account in our sole discretion (even if the Account  of other persons who may have similar claims.  You may obtain rules and forms by calling the AAA 
   is not in default) by providing notice to you.  You may cancel the Account by providing notice to us. at 800-778-7879.  Any arbitration hearing that you attend will take place in the federal judicial district 
   (b) After cancellation of the Account, you will not be able to obtain additional credit on the Account and 
   This is a card member agreement and disclosure statement (�Agreement�) between you and Hills Bank  to as �interest� here and on monthly Account statement); (b) Advance transaction fees; and (c) any  until the closing date of the billing cycle preceding the date on which the entire new balance is paid in  owner or network used to complete the transaction and you may be charged for a balance inquiry.
   and Trust Company containing the terms that will apply to your Hills Bank Visa Platinum (�Account�).  other transaction fees that are considered Finance Charges.  In some of the following sections we  full or until the date of payment if more than 25 days from the closing date. (g) Card Usage Reports Fee: We may offer additional reports regarding Card usage and Account 
   In this Agreement, �you� and �your� means each individual accepting a solicitation or applying for the  have abbreviated the terms �monthly periodic rate� as MPR, �average daily balance� as �ADB�, and  The Finance Charge for a billing cycle is computed by applying the Monthly Periodic Rate (which is  transactions which will be provided upon your request for an agreed upon fee. 
   Account or otherwise agreeing to be responsible for the Account.  �We�, �us�, �our� and �the Bank�  �annual percentage rate� as �APR�. the APR divided by 12 months) to the Average Daily Balance of Purchases, which is determined by  (h) International Transactions: Currently a 1.0% fee is assessed only on international transactions 
   means Hills Bank and Trust Company, the issuer of the Card and your Account creditor.  Other terms  dividing the sum of the daily balance of Purchases during the billing cycle by the number of days in  when a currency conversion occurs.  This fee is unchanged.  Effective July 1st, 2008, Visa will also 
   are de?ned in the text of the Agreement.  Please read this Agreement carefully and keep it in a safe  Interest Rates and Interest Charges the cycle.  Each daily balance is the principal balance including current cycle Purchases and payments  impose a 0.8% fee on foreign transactions where a currency conversion is not performed.   
   place to make the best use of the Hills Bank credit card we issue with this Account (the �Card�).  The  and credits as received, but excluding any unpaid Finance Charges.
   Agreement becomes effective as soon as you or someone authorized by you uses the Card or Account,  Annual Percentage Rate  Cash Advances (Method A)   IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT
   but no later than 30 calendar days after we issue and you fail to return the Card. 3.9% introductory APR for the ?rst  A Finance Charge will be imposed on Advances from the date of the Advance or from the ?rst day of  13. Credit Limit: The Account Credit Limit is the maximum amount of credit available and that you may 
                                      (APR) for Purchases/
                                                   seven billing cycles.  After that your APR will be  the billing cycle in which the Advance is posted to the account, whichever is later, and will continue  owe under the Account at any time.  You may not request or obtain additional Purchases, Advances 
   ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT Balance Transfers       to accrue until the date of payment.  The Finance Charge for a billing cycle is computed by applying  or Balance Transfers once you have reached your Credit Limit.  The initial Credit Limit is shown on 
   1. Use: Charging privileges on the Card and Account are provided by the Bank pursuant to the terms    the Monthly Periodic Rate (which is the APR divided by 12 months) to the Average Daily Balance  the Card carrier and will also appear on your monthly Account statement.  We reserve the right to 
   of this Agreement.  Charge activity, Account status, and any Account delinquency information will  5.25% to 12.25%, based on  and Advances which is determined by dividing the sum of the daily balances of Advances during the  review your Account at any time and increase or decrease your Credit Line.  You may not increase 
   be provided to you monthly.  You may use the Card to obtain an Advance (as de?ned below) from a  your credit worthiness.  This APR will vary with  billing cycle by the number of days in the cycle.  Each daily balance is determined by adding to the  your Credit Limit by carrying a credit balance over the Credit Limit we make available to you.  (Also 
   participating ?nancial institution or ATM (Automated Teller Machine).  You may use the Account only  the market based on the Prime Rate. Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any  see the �Advance Limits� section for more information about Limits on Advance transactions section.)
   for personal, family or household purposes.                          Purchase as of the date it is posted to your account and any advances as of the transaction date  14. Payment:
   2. Your Acceptance of the Agreement: By accepting, signing or using this Card or Account, or  APR for Cash Advances 12.25% this APR will vary with the market  or the ?rst day of the billing cycle in which the Advance is posted to the account, whichever is later,  (a) Promise to Pay: You agree to pay for all Purchases, Advances, Finance Charges, fees and any 
   by continued use of an existing Card or Account, you are agreeing to the terms of this Agreement. and subtracting all payments as received and credits as posted through that date, but excluding any  other obligations incurred on the Account.
                                                   based on the Prime Rate.
   3. Account Purchases: You may use the Account to buy, lease or otherwise obtain goods or services  unpaid Finance Charges. (b) Method of Payment: You must pay us in U.S. dollars with checks or similar payment instruments 
   from participating merchants (including transactions you initiate via email, by telephone or over the  How to Avoid Paying Your due date is at least 25 days after the  Any Finance Charge shown on your monthly statement is computed only through the last date of the  drawn on a ?nancial institution located in the United States.  We may, at our option, choose to make 
   Internet) or take advantage of special promotional Convenience Check or Balance Transfer offers that  close of each billing cycle.  Hills Bank will not  Billing Cycle.  Since Finance Charges continue to accrue until the date your payment is received and  an exception and accept a payment drawn on a foreign bank.  However, you will be charged and 
   post as Purchase Transactions (�Purchases�).  We will, in connection with any promotional Balance  Interest on Purchases posted to your Account, additional Finance Charges may appear on the following month�s statement.  agree to pay any collection fees required in connection with such a transaction. The date you mail a 
   Transfer or Convenience Check offer we make, provide you with materials that explain whether those  charge you any interest on purchases if you  The amount of the Finance Charge and the Advance Fee may be changed from time to time.  There  payment is different than the date we receive payment. For purposes of this Agreement, the payment 
   transactions will post and be treated as a Purchase.  Even if you have not signed a sales draft or the  pay your entire balance by the due date each  is a minimum Finance Charge of 50 cents in any billing cycle in which a Finance Charge is due. date is the day we receive your check or money order at the address speci?ed on your monthly Account 
   merchant has not supplied you with a written receipt or other proof of sale, you are responsible for  month. 11. Grace Period: You have a 25-day grace period for Purchases (including any promotional Balance  statement.  If you mail your payment without a payment coupon or to an incorrect address, it may 
   all Purchases made through the Account, except as expressly limited by applicable law.  See �Your  Transfers or Convenience Checks that will post as Purchases), provided you have paid your Previous  result in a delayed credit to your Account.  This may result in additional Finance Charges, fees, and 
   Billing Rights� section for more detail.                             Balance in full by the Payment Due Date shown on your monthly Account statement.  In order to avoid  possible suspension of your Account.
   4. Account Advances: Advances are transactions other than Purchases that allow you direct access  Minimum Interest Charge If you are charged interest the charge will be  additional Finance Charges on Purchases, you must pay your New Balance in full by the Payment Due  (c) Minimum Monthly Payment: Each month you must pay at least the Minimum Payment and any 
   to funds available through your Account.  Advances may include Account transactions such as cash  no less than $0.50. Date shown on the front of your monthly Account statement.  There is no grace period for transactions  past due Minimum Payment by the Payment Due Date shown in your monthly Account statement. 
   advances you obtain directly from us, other participating ?nancial institutions, ATMs, telephone transfers,  that post to the Account as Advances.  Those transactions are subject to interest from the date they  Your Minimum Payment for Purchases and Cash Advances is 3%, rounded up to the nearest dollar, 
   Balance Transfers, or Convenience Checks.  Monthly Account statements we issue may refer to  post to the Account until the date they are paid in full. of the total Purchase and Cash Advance balance (excluding late payment), or $25.00 whichever is 
   Advances as �Advance�, �Cash�, �Cash Advances�, or by the product or device you used to obtain an      greater.  In addition, your Minimum Payment will include all amounts delinquent, and amounts in excess 
                                                   To learn more about factors to consider when 
   Advance.  You may use your Account to obtain cash either by presenting your Card at any bank or  For Credit Card Tips from  of your credit limit.  If your outstanding Purchase and Cash Advance balance is less than $25.00 then 
   other ?nancial institution that accepts the Card or by making a withdrawal of cash at an ATM.  We may  the Federal Reserve Board applying for or using a credit card, visit the  Fees the entire balance is due.  You also may pay the entire balance on your Account at any time or pay 
   restrict the amount of the credit limit that is available for Advances.  If an Advance limit greater than  website of the Federal Reserve Board at  any amount between the Minimum Payment and your entire balance.  Any changes in your Minimum 
   the percentage available is requested, it will be subject to credit approval.  You may be limited in the  Payment due will be re?ected on your monthly statement in the month in which the Minimum Payment 
                                                   http://www.federalreserve.gov/creditcard. Annual Fee None
   amount and/or number of Advances you may make on your Account.                                         due is affected.  However, in all cases, you may continue to pay any amount equal to or greater than 
   5. Convenience Checks: From time to time, we may supply Convenience Checks for use by the  How we will calculate your balance: We use a method called �average daily  the Minimum Payment due.  
   person(s) named on those checks.  Convenience Checks are drafts that look like other checks, but  Transaction Fees (d) Application of Payment: We may allocate payments to amounts owed on your Account in the 
                                     balance (including new purchases)�                 � Either $5.00 or 3.00% of the 
   are drawn on credit available in the Account.  We may, based on the particular offers we make from    � Cash Advance manner we deem appropriate, including but not limited to, applying payment to promotional balances, 
   time to time, provide Convenience Checks that will post and be treated as an Advance or Convenience    amount of each cash advance,     such as Balance Transfers, before applying them to Purchases and Advances.  
                                     9.1 Introductory rate - For the ?rst 7 billing cycles the MPR and the corresponding variable APR    
   Check that will post and be treated as a Purchase.  We will, in connection with any Convenience Check    whichever is greater, with a 15. Change of Address: Your monthly Account statements and notices about your Account will be 
                                     will be a ?xed rate of 3.90%. After the introductory period the APR will be determined by adding the 
   we provide, include materials that explain whether the Convenience Check will post and be treated as   sent to the address you provided in your application or your response to our Account solicitation.  To 
                                     following margins to the prime rate: 2%, 4%, 8%, or 9%. The margin you receive is dependent upon    maximum fee of $15.00.
   an Advance or as a Purchase.  Convenience Checks must be written in U.S. dollars.  We may return    � Foreign Transaction change your address, you must call us at 1-800-445-5725 or write to us at the following address:  
                                     underwriting and credit score requirements.  Your rate of margin has been determined by adding  � 1.0% when a currency conversion 
   a Convenience Check unpaid if:                                                                            Credit Card Department
                                     ______ percentage points (_____%) to the Prime Rate in respect of the Account for the billing cycle. 
   (a) the credit available under your Credit Limit is less than the Convenience Check amount;   occurs.  0.8% when a currency    Hills Bank and Trust Company 
                                     The Prime Rate used to calculate the APR will be the Prime Rate on the 15th day of each month or the 
   (b) the Account is in default; or                                                      conversion is not performed. 131 Main Street
                                     ?rst regular business day thereafter as published on that business day in the Money Rates column of 
   (c) the Convenience Check is improperly signed or otherwise fails to conform to our                       P.O. Box 160
                                     The Wall Street Journal (�WSJ�). The APR may increase if the Prime Rate increases. An increase will 
   regularly accepted standards for check payment.  Convenience Checks may not be used                       Hills, Iowa 52235
                                     take effect the day after your statement cycles following the 15th of the month. An increase will result  Penalty Fees Penalty Fees
   to pay the Account or any obligation you owe us or our af?liates.                                      We must receive this information 15 days before the date a billing cycle closes to provide your Monthly 
                                     in an increase in the ?nance charge and it may have the effect of increasing your periodic minimum 
   6. Paying and Stopping Payment on Convenience Checks: You must use the number and address    � Late Payment � up to $27.00 Account statement at your new address. Note:  If you have an address change within 45 days of the 
                                     payment. The APR will not change more often than once a month. A decrease will have the opposite 
   provided in the �Lost or Stolen Card or Convenience Check� sections to request that payment be stopped    � Returned Payment � up to $27.00 expiration date of your Card(s), please contact Customer Service at
                                     effect of an increase. If the Prime Rate changes more frequently than the APR, we will always use 
   on a Convenience Check.  You must call us promptly with an oral stop payment request and then    � Returned Convenience Check � up to $35.00 1-800-445-5725 with that information so your new Card(s) can be mailed to your new address.
                                     the Prime Rate in effect on the day we adjust the APR to determine the new APR. In such case we 
   provide us with a written con?rmation of the stop payment request within 14 calendar days.  Any stop   16. Authorized Use: You agree not to give your Card to anyone else or to authorize anyone to use the 
                                     will ignore any changes in the Prime Rate that occur between APR adjustments. Any rate change will 
   payment request we receive will remain in effect for 6 months, unless you renew the request in writing  Account.  If you give your Card or Account number to someone and they use either, you will be liable 
                                     be applied to all balances carried forward from the last statement. We reserve the right to choose a 
   before the end of that time.  We may pay Convenience Checks more than 6 months old.  There may         for any charges that the person incurs.
                                     comparable new index if the WSJ ceases to publish a Prime Rate.
   be circumstances under which a Convenience Check must be paid, even if we have received a stop  12. Account Fees: You agree to pay the following Account fees and Finances Charges: 17. Lost or Stolen Card or Convenience Checks: You must notify us immediately if your Card or 
                                     9.2 Interest Rate for Cash Advances: The Prime Rate used to calculate the APR will be the Prime 
   payment request from you.  We will not be liable to you if we do not honor your stop payment request  (a) Advance Fee: We will add a Finance Charge to the Advance balance of the Account Convenience Checks are lost or stolen or there is possible unauthorized use of your Card or Account. 
                                     Rate on the 15 th  day of each month or the ?rst regular business day thereafter as published on that 
   under those circumstances.  If it is determined that a Convenience Check should have been paid, but  in the form of the Advance Transaction Fees disclosed below for each Advance you obtain during a  You will not be liable in excess of $50 for any loss, theft or loss for purchase charges that occur after 
                                     business day  in the Money Rates column of The Wall Street Journal (�WSJ�).  The APR may increase 
   was not, we will not be liable for any consequential, punitive or incidental damages if we acted in good  billing cycle.  The fees imposed will equal the greater of the fees based on a disclosed percentage of  noti?cation to the Bank.  You must notify the Credit Card Department by phone at 1-800-445-5725, 
                                     if the Prime Rate increases.  An increase will take effect the day after your statement cycles following 
   faith.  Our only obligation under those circumstances will be to pay the designated payee the amount  each Advance of the minimum dollar amount, shown below. or 1-800-423-7503 or in writing to:
                                     the 15th of the month.  An increase will result in an increase in the ?nance charge and it may have the 
   of the Convenience Check and cancel any charges assessed against your Account as a result of any  CASH RECEIVED  PERCENTAGE  MINIMUM Credit Card Department
                                     effect of increasing your periodic minimum payment.  The APR will not change more often than once 
   wrongful failure to honor the Convenience Check.                       FROM:       OF CASH FEE:  MAXIMUM: Hills Bank and Trust Company 
                                     a month.  A decrease will have the opposite effect of an increase.  If the Prime Rate changes more 
   7. Balance Transfers: We may permit you to transfer balances from other companies, including ?nancial  FINANCIAL INSTITUTION  3%  $ 5.00 131 Main Street
                                     frequently than the APR, we will always use the Prime Rate in effect on the day we adjust the APR 
   institutions.  However, you cannot make Balance Transfers from the Bank accounts.  The amount of  OR ATM   $15.00 P.O. Box 160
                                     to determine the new APR.  In such case we will ignore any changes in the Prime Rate that occur 
   your total Credit Limit which we may allow to you for a Balance Transfer reduces the amount of the  (b) Annual Membership Fee: None  Hills, Iowa 52235
                                     between APR adjustments.  Any rate change will be applied to all balances carried forward from the 
   Credit Limit available for Purchases and Advances.  Finance Charges on your Balance Transfers accrue  (c) Late Fee: We will add a Late Payment Fee of $27.00 to the Purchase balance of the Account if your  If this happens, we will ask you and all other persons given Account access to return all Cards and 
                                     last statement.  We reserve the right to choose a comparable new index if the WSJ ceases to publish 
   from the date of transfer to your Account.  If you reach your limit on the amount of credit we allocate to  Minimum Payment is not received by the Payment Due Date shown on the monthly Account statement. unused Convenience Checks to our Credit Card Department.  In addition, we have the right to close 
                                     a Prime Rate.  The Annual Percentage Rate will never decrease below 12.00%. 
   you for one or more Balance Transfers, you may not transfer additional balances even if you have not  (d) Returned Check Fee: We will add a Returned Check Fee of $27.00 to the Purchase balance of the  your Account and open a new Account.  If we do so, new Cards and Convenience Checks will be 
                                     10. Interest Finance Charge: Finance Charges on your Account for Purchases and Advances are 
   reached your total Credit Limit.  Balance Transfers will post to the Account and be separately re?ected  Account if a draft or check you give us as payment on the Account is not honored or if we must return  issued for your new Account.  
                                     calculated separately.  
   on the monthly Account statements as a Balance Transfer, or, depending upon the offer, may post to  it to you because it cannot be processed.  A check that is returned unpaid may be sent for collection. 18. U.S. Currency:  If you make a purchase or cash advance in foreign currency the transaction will 
                                     Purchases (Method G)  
   the Account and be treated as a Purchase, or as an Advance transaction. (e) Returned Convenience Check Fee: We may charge a fee of $35.00 to the Purchase balance of  be converted into U.S. Dollars by Visa.  
                                     A ?nance charge will be imposed on purchases only if you elect not to pay the entire New Balance 
                                                                        the Account if you write a Convenience Check that we do not honor under the terms of this Agreement.  For Visa Accounts: To the extent that you have used your Visa card to purchase goods or services, or 
                                     shown on your previous monthly statement within 25 days from the closing date on the statement. 
   FINANCE CHARGES AND ACCOUNT FEES                                     (See �Convenience Checks�, and �Paying and Stopping Payment on Convenience Checks� sections  obtain cash in another country, your statement may re?ect the conversion into U.S. dollars of transactions 
                                     If you elect not to pay the entire New Balance shown on your previous monthly statement within 25 
   8. Account Finance Charges: Finance Charges re?ect the cost of credit.  Your total Finance Charge  for more details).  which occurred, initially, in a different currency.  The exchange rate applied to such transactions is a 
                                     days from the closing date on the statement, a ?nance charge will be imposed on the unpaid balance 
   for any billing cycle will equal the amount of any (a) periodic rate Finance Charges (sometimes referred  (f) ATM Surcharges: When you use an ATM not owned by us, you may be charged a fee by the ATM  (i) wholesale market rate or (ii) government-mandated rate in effect one day prior to the processing 
                                     of purchases from the statement closing date (Including new purchases) and will continue to accrue 
             Credit Card Addendum � Visa Platinum 
              
              
             Hills Bank determines rate of margin by these underwriting criteria: 
                  -  Credit Score 
                  -  Income 
                  -  Debt to Income Ratio 
                   
             Depending on the underwriting and credit score requirements your variable interest rate 
             will be based on the prime rate plus a margin of 2 percent, 4 percent, 8 percent, or 9 
             percent.