VISA® 
VISA® 
VISA® 
VISA® 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 
CARDHOLDER AGREEMENT 

Please  read  this  agreement  carefully  and  save  it  for  future  reference.  It 
Please  read  this  agreement  carefully  and  save  it  for  future  reference.  It 
contains  Regulation  Z  disclosures  and  your  rights  in  case  of  errors  or 
contains  Regulation  Z  disclosures  and  your  rights  in  case  of  errors  or 
inquiries about your bill. 
inquiries about your bill. 

Please  read  this  agreement  carefully  and  save  it  for  future  reference.  It 
Please  read  this  agreement  carefully  and  save  it  for  future  reference.  It 
contains  Regulation  Z  disclosures  and  your  rights  in  case  of  errors  or 
contains  Regulation  Z  disclosures  and  your  rights  in  case  of  errors  or 
inquiries about your bill. 
inquiries about your bill. 

4. 
4. 

4. 
4. 

®
®
®
®
 Cardholder Account with 
This is the Agreement that covers your VISA
This is the Agreement that covers your VISA
 Cardholder Account with 
This is the Agreement that covers your VISA
This is the Agreement that covers your VISA
 Cardholder Account with 
 Cardholder Account with 
First Bank & Trust (“Account”). In this Agreement, the words “you” and 
First Bank & Trust (“Account”). In this Agreement, the words “you” and 
First Bank & Trust (“Account”). In this Agreement, the words “you” and 
First Bank & Trust (“Account”). In this Agreement, the words “you” and 
“your”  refer  to  the  person  who  applied  for  the  Account  and  any  Joint 
“your”  refer  to  the  person  who  applied  for  the  Account  and  any  Joint 
“your”  refer  to  the  person  who  applied  for  the  Account  and  any  Joint 
“your”  refer  to  the  person  who  applied  for  the  Account  and  any  Joint 
Accountholder, if applicable. “We”, “us”, and “our” refer to First Bank 
Accountholder, if applicable. “We”, “us”, and “our” refer to First Bank 
Accountholder, if applicable. “We”, “us”, and “our” refer to First Bank 
Accountholder, if applicable. “We”, “us”, and “our” refer to First Bank 
&  Trust,  Brookings,  South  Dakota.    The  word  “Card”  means  your 
&  Trust,  Brookings,  South  Dakota.    The  word  “Card”  means  your 
&  Trust,  Brookings,  South  Dakota.    The  word  “Card”  means  your 
&  Trust,  Brookings,  South  Dakota.    The  word  “Card”  means  your 

®
®
®
®
 Card. 
VISA
VISA
VISA
 Card. 
 Card. 
VISA
 Card. 

This Agreement is effective when you use the Card or the Account or if 
This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after 
you fail to cut your Card in half and return it to us within 30 days after 
the date it is issued to you. 
the date it is issued to you. 

This Agreement is effective when you use the Card or the Account or if 
This Agreement is effective when you use the Card or the Account or if 
you fail to cut your Card in half and return it to us within 30 days after 
you fail to cut your Card in half and return it to us within 30 days after 
the date it is issued to you. 
the date it is issued to you. 

5. 
5. 

5. 
5. 

To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 
Card immediately. 

To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
To  avoid  unauthorized  use  of  your  Card,  please  sign  the  back  of  your 
Card immediately. 
Card immediately. 

1.  Using  Your  Card.  You  may  use  your  Card  or  Account  to 
1.  Using  Your  Card.  You  may  use  your  Card  or  Account  to 
1.  Using  Your  Card.  You  may  use  your  Card  or  Account  to 
1.  Using  Your  Card.  You  may  use  your  Card  or  Account  to 
purchase  or  lease  goods  or  services  (“Purchases”)  to  obtain  cash 
purchase  or  lease  goods  or  services  (“Purchases”)  to  obtain  cash 
purchase  or  lease  goods  or  services  (“Purchases”)  to  obtain  cash 
purchase  or  lease  goods  or  services  (“Purchases”)  to  obtain  cash 
loans  (“Cash  Advances”)  from  any  financial  institution  that 
loans  (“Cash  Advances”)  from  any  financial  institution  that 
loans  (“Cash  Advances”)  from  any  financial  institution  that 
loans  (“Cash  Advances”)  from  any  financial  institution  that 
accepts the Card. Any cash equivalents obtained with the Card will 
accepts the Card. Any cash equivalents obtained with the Card will 
accepts the Card. Any cash equivalents obtained with the Card will 
accepts the Card. Any cash equivalents obtained with the Card will 
also  be  treated  as  Cash  Advances.  Cash  equivalent  transactions 
also  be  treated  as  Cash  Advances.  Cash  equivalent  transactions 
also  be  treated  as  Cash  Advances.  Cash  equivalent  transactions 
also  be  treated  as  Cash  Advances.  Cash  equivalent  transactions 
include  but  are  not  limited  to  wire  transfers,  money  orders 
include  but  are  not  limited  to  wire  transfers,  money  orders 
include  but  are  not  limited  to  wire  transfers,  money  orders 
include  but  are  not  limited  to  wire  transfers,  money  orders 
travelers  cheques,  tax  payments,  gold  bullion  purchase,  and 
travelers  cheques,  tax  payments,  gold  bullion  purchase,  and 
travelers  cheques,  tax  payments,  gold  bullion  purchase,  and 
travelers  cheques,  tax  payments,  gold  bullion  purchase,  and 
gaming transactions or services.  If you use your Card or Account, 
gaming transactions or services.  If you use your Card or Account, 
gaming transactions or services.  If you use your Card or Account, 
gaming transactions or services.  If you use your Card or Account, 
you  agree  to  us  paying  the  amount  owed  to  each  merchant  or 
you  agree  to  us  paying  the  amount  owed  to  each  merchant  or 
you  agree  to  us  paying  the  amount  owed  to  each  merchant  or 
you  agree  to  us  paying  the  amount  owed  to  each  merchant  or 
financial institution which honored your Card.  
financial institution which honored your Card.  
financial institution which honored your Card.  
financial institution which honored your Card.  

If you give your Account number to make a purchase or obtain a 
If you give your Account number to make a purchase or obtain a 
Cash  Advance  without  presenting  your  Card  (such  as  for  a  mail 
Cash  Advance  without  presenting  your  Card  (such  as  for  a  mail 
order, telephone, or Internet purchase), the legal effect will be the 
order, telephone, or Internet purchase), the legal effect will be the 
same as if the Card itself was used by you. 
same as if the Card itself was used by you. 

If you give your Account number to make a purchase or obtain a 
If you give your Account number to make a purchase or obtain a 
Cash  Advance  without  presenting  your  Card  (such  as  for  a  mail 
Cash  Advance  without  presenting  your  Card  (such  as  for  a  mail 
order, telephone, or Internet purchase), the legal effect will be the 
order, telephone, or Internet purchase), the legal effect will be the 
same as if the Card itself was used by you. 
same as if the Card itself was used by you. 

7. 
7. 

7. 
7. 

If  we,  at  our  option,  give  you  a  Personal  Identification  Number 
If  we,  at  our  option,  give  you  a  Personal  Identification  Number 
(PIN), you may use your Card to obtain a Cash Advance from any 
(PIN), you may use your Card to obtain a Cash Advance from any 

If  we,  at  our  option,  give  you  a  Personal  Identification  Number 
If  we,  at  our  option,  give  you  a  Personal  Identification  Number 
(PIN), you may use your Card to obtain a Cash Advance from any 
(PIN), you may use your Card to obtain a Cash Advance from any 

®
®
®
®
,  or 
Automated  Teller  Machine  (ATM)  that  bears  the  VISA
Automated  Teller  Machine  (ATM)  that  bears  the  VISA
Automated  Teller  Machine  (ATM)  that  bears  the  VISA
,  or 
Automated  Teller  Machine  (ATM)  that  bears  the  VISA
,  or 
,  or 

®
®
®
®
 logo. All ATM transactions are treated under terms of this 
PLUS
PLUS
PLUS
 logo. All ATM transactions are treated under terms of this 
 logo. All ATM transactions are treated under terms of this 
PLUS
 logo. All ATM transactions are treated under terms of this 
Agreement  the  same  as  Cash  Advances.  We  have  the  right  to 
Agreement  the  same  as  Cash  Advances.  We  have  the  right  to 
Agreement  the  same  as  Cash  Advances.  We  have  the  right  to 
Agreement  the  same  as  Cash  Advances.  We  have  the  right  to 
restrict your access to any qualified ATM at any time. You should 
restrict your access to any qualified ATM at any time. You should 
restrict your access to any qualified ATM at any time. You should 
restrict your access to any qualified ATM at any time. You should 
not keep your PIN with your Card. If you believe that anyone has 
not keep your PIN with your Card. If you believe that anyone has 
not keep your PIN with your Card. If you believe that anyone has 
not keep your PIN with your Card. If you believe that anyone has 
gained  unauthorized  access  to  your  PIN,  you  should  advise  us 
gained  unauthorized  access  to  your  PIN,  you  should  advise  us 
gained  unauthorized  access  to  your  PIN,  you  should  advise  us 
gained  unauthorized  access  to  your  PIN,  you  should  advise  us 
immediately, following the procedures under the heading “Lost or 
immediately, following the procedures under the heading “Lost or 
immediately, following the procedures under the heading “Lost or 
immediately, following the procedures under the heading “Lost or 
Stolen Card.” 
Stolen Card.” 
Stolen Card.” 
Stolen Card.” 

2. 
2. 

2. 
2. 

Joint  Account.  If  this  is  a  Joint  Account,  each  person  (a)  may 
Joint  Account.  If  this  is  a  Joint  Account,  each  person  (a)  may 
obtain Purchases and Cash Advances (but the total of these cannot 
obtain Purchases and Cash Advances (but the total of these cannot 
exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all 
exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all 
amounts owed; and (c) can close the Account. 
amounts owed; and (c) can close the Account. 

Joint  Account.  If  this  is  a  Joint  Account,  each  person  (a)  may 
Joint  Account.  If  this  is  a  Joint  Account,  each  person  (a)  may 
obtain Purchases and Cash Advances (but the total of these cannot 
obtain Purchases and Cash Advances (but the total of these cannot 
exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all 
exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all 
amounts owed; and (c) can close the Account. 
amounts owed; and (c) can close the Account. 

3.  Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
3.  Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
3.  Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
3.  Credit  Line.  Your  credit  line  is  shown  on  the  folder  containing 
your  Card.  Since  we  may  change  your  credit  line  from  time  to 
your  Card.  Since  we  may  change  your  credit  line  from  time  to 
your  Card.  Since  we  may  change  your  credit  line  from  time  to 
your  Card.  Since  we  may  change  your  credit  line  from  time  to 
time,  your  latest  credit  line  will  appear  on  your  monthly  billing 
time,  your  latest  credit  line  will  appear  on  your  monthly  billing 
time,  your  latest  credit  line  will  appear  on  your  monthly  billing 
time,  your  latest  credit  line  will  appear  on  your  monthly  billing 
statement.  You  agree  not  to  make  any  Purchases  or  obtain  any 
statement.  You  agree  not  to  make  any  Purchases  or  obtain  any 
statement.  You  agree  not  to  make  any  Purchases  or  obtain  any 
statement.  You  agree  not  to  make  any  Purchases  or  obtain  any 
Cash  Advances  that  would  cause  the  unpaid  balance  of  your 
Cash  Advances  that  would  cause  the  unpaid  balance  of  your 
Cash  Advances  that  would  cause  the  unpaid  balance  of  your 
Cash  Advances  that  would  cause  the  unpaid  balance  of  your 
Account to exceed your credit line. We may honor Purchases and 
Account to exceed your credit line. We may honor Purchases and 
Account to exceed your credit line. We may honor Purchases and 
Account to exceed your credit line. We may honor Purchases and 
Cash Advances in excess of your credit line at our sole discretion. 
Cash Advances in excess of your credit line at our sole discretion. 
Cash Advances in excess of your credit line at our sole discretion. 
Cash Advances in excess of your credit line at our sole discretion. 
If we do this Agreement also applies to that excess and you agree 
If we do this Agreement also applies to that excess and you agree 
If we do this Agreement also applies to that excess and you agree 
If we do this Agreement also applies to that excess and you agree 

9. 
9. 

9. 
9. 

to pay the excess immediately if we demand that you do so. You 
to pay the excess immediately if we demand that you do so. You 
agree  that  we  may  change  or  cancel  your  credit  line  at  any  time 
agree  that  we  may  change  or  cancel  your  credit  line  at  any  time 
without  affecting  your  obligation  to  pay  amounts  that  you  owe 
without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 
under this Agreement. 

to pay the excess immediately if we demand that you do so. You 
to pay the excess immediately if we demand that you do so. You 
agree  that  we  may  change  or  cancel  your  credit  line  at  any  time 
agree  that  we  may  change  or  cancel  your  credit  line  at  any  time 
without  affecting  your  obligation  to  pay  amounts  that  you  owe 
without  affecting  your  obligation  to  pay  amounts  that  you  owe 
under this Agreement. 
under this Agreement. 

Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement at the end of each monthly billing cycle if your Account 
Statement at the end of each monthly billing cycle if your Account 
has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and 
Cash  Advances  posted  during  the  billing  period,  any  Interest 
Cash  Advances  posted  during  the  billing  period,  any  Interest 
Charges,  and  all  payments,  debits,  and  credits  to  your  Account 
Charges,  and  all  payments,  debits,  and  credits  to  your  Account 
through the Billing Cycle Closing Date. It will also show, among 
through the Billing Cycle Closing Date. It will also show, among 
other things, your New Balance, the Minimum Payment Due, and 
other things, your New Balance, the Minimum Payment Due, and 
the  Payment  Due  Date  (which  will  be  at  least  25  days  after  the 
the  Payment  Due  Date  (which  will  be  at  least  25  days  after  the 
Billing Cycle Closing Date). 
Billing Cycle Closing Date). 

Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Billing  Statements.  We  will  promptly  send  a  Monthly  Billing 
Statement at the end of each monthly billing cycle if your Account 
Statement at the end of each monthly billing cycle if your Account 
has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
has  a  debit  or  credit  balance  greater  than  $1.00.  The  Monthly 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and 
Billing  Statement  will  show  the  Previous  Balance,  Purchases  and 
Cash  Advances  posted  during  the  billing  period,  any  Interest 
Cash  Advances  posted  during  the  billing  period,  any  Interest 
Charges,  and  all  payments,  debits,  and  credits  to  your  Account 
Charges,  and  all  payments,  debits,  and  credits  to  your  Account 
through the Billing Cycle Closing Date. It will also show, among 
through the Billing Cycle Closing Date. It will also show, among 
other things, your New Balance, the Minimum Payment Due, and 
other things, your New Balance, the Minimum Payment Due, and 
the  Payment  Due  Date  (which  will  be  at  least  25  days  after  the 
the  Payment  Due  Date  (which  will  be  at  least  25  days  after  the 
Billing Cycle Closing Date). 
Billing Cycle Closing Date). 

Lost or Stolen Card. You may be liable for the unauthorized use 
Lost or Stolen Card. You may be liable for the unauthorized use 
of  your  Card.  You  will  not  be  liable  for  unauthorized  use  that 
of  your  Card.  You  will  not  be  liable  for  unauthorized  use  that 
occurs  after  you  notify  us  through  our  agent  at  1-800-658-3660 
occurs  after  you  notify  us  through  our  agent  at  1-800-658-3660 
orally  of  the  loss,  theft,  or  possible  unauthorized  use.  You  may 
orally  of  the  loss,  theft,  or  possible  unauthorized  use.  You  may 
also notify us in writing of loss, theft, or possible unauthorized use 
also notify us in writing of loss, theft, or possible unauthorized use 
at  CARD  PROCESSING  CENTER,  PO  Box  495933,  Cincinnati, 
at  CARD  PROCESSING  CENTER,  PO  Box  495933,  Cincinnati, 
OH 45249-5933. In either case, your maximum liability is $50 for 
OH 45249-5933. In either case, your maximum liability is $50 for 
unauthorized  charges  to  your  Account  made  prior  to  receipt  of 
unauthorized  charges  to  your  Account  made  prior  to  receipt  of 
your oral or written notification. 
your oral or written notification. 

Lost or Stolen Card. You may be liable for the unauthorized use 
Lost or Stolen Card. You may be liable for the unauthorized use 
of  your  Card.  You  will  not  be  liable  for  unauthorized  use  that 
of  your  Card.  You  will  not  be  liable  for  unauthorized  use  that 
occurs  after  you  notify  us  through  our  agent  at  1-800-658-3660 
occurs  after  you  notify  us  through  our  agent  at  1-800-658-3660 
orally  of  the  loss,  theft,  or  possible  unauthorized  use.  You  may 
orally  of  the  loss,  theft,  or  possible  unauthorized  use.  You  may 
also notify us in writing of loss, theft, or possible unauthorized use 
also notify us in writing of loss, theft, or possible unauthorized use 
at  CARD  PROCESSING  CENTER,  PO  Box  495933,  Cincinnati, 
at  CARD  PROCESSING  CENTER,  PO  Box  495933,  Cincinnati, 
OH 45249-5933. In either case, your maximum liability is $50 for 
OH 45249-5933. In either case, your maximum liability is $50 for 
unauthorized  charges  to  your  Account  made  prior  to  receipt  of 
unauthorized  charges  to  your  Account  made  prior  to  receipt  of 
your oral or written notification. 
your oral or written notification. 

6. 
6. 

6. 
6. 

Promise  to  Pay.  By  applying  for  and  obtaining  credit  on  your 
Promise  to  Pay.  By  applying  for  and  obtaining  credit  on  your 
Promise  to  Pay.  By  applying  for  and  obtaining  credit  on  your 
Promise  to  Pay.  By  applying  for  and  obtaining  credit  on  your 
Account, you agree jointly and severally, if more than one person 
Account, you agree jointly and severally, if more than one person 
Account, you agree jointly and severally, if more than one person 
Account, you agree jointly and severally, if more than one person 
applies  for  the  Account,  to  be  obligated  and  pay  for  all  credit 
applies  for  the  Account,  to  be  obligated  and  pay  for  all  credit 
applies  for  the  Account,  to  be  obligated  and  pay  for  all  credit 
applies  for  the  Account,  to  be  obligated  and  pay  for  all  credit 
obtained  on your  Account by you or any person you authorize  to 
obtained  on your  Account by you or any person you authorize  to 
obtained  on your  Account by you or any person you authorize  to 
obtained  on your  Account by you or any person you authorize  to 
use  your  Card,  as  well  as  our  Interest  charges  and  any  other  fees 
use  your  Card,  as  well  as  our  Interest  charges  and  any  other  fees 
use  your  Card,  as  well  as  our  Interest  charges  and  any  other  fees 
use  your  Card,  as  well  as  our  Interest  charges  and  any  other  fees 
imposed by us, as provided for in the Agreement. You agree to pay 
imposed by us, as provided for in the Agreement. You agree to pay 
imposed by us, as provided for in the Agreement. You agree to pay 
imposed by us, as provided for in the Agreement. You agree to pay 
us only in U.S. Dollars drawn on U/S/ financial institutions. 
us only in U.S. Dollars drawn on U/S/ financial institutions. 
us only in U.S. Dollars drawn on U/S/ financial institutions. 
us only in U.S. Dollars drawn on U/S/ financial institutions. 

Irregular  Payment  and  Delay  in  Enforcement,  Waivers  and 
Irregular  Payment  and  Delay  in  Enforcement,  Waivers  and 
Releases.  We  can  accept  late  payments,  partial  payments,  checks 
Releases.  We  can  accept  late  payments,  partial  payments,  checks 
and  money  orders  marked  “paid  in  full”  or  language  having  the 
and  money  orders  marked  “paid  in  full”  or  language  having  the 
same effect without losing any of our rights under this Agreement. 
same effect without losing any of our rights under this Agreement. 
We can also delay enforcing our rights under this Agreement any 
We can also delay enforcing our rights under this Agreement any 
number  of  times  without  losing  them  and  can  waive  or  delay 
number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it 
enforcing a right against one of you without waiving or delaying it 
as to the other.  No waiver by us of any default shall be effective 
as to the other.  No waiver by us of any default shall be effective 
unless  in  writing  nor  operate  as  a  waiver  of  any  other  future 
unless  in  writing  nor  operate  as  a  waiver  of  any  other  future 
default. We can release any one of you in whole or in part without 
default. We can release any one of you in whole or in part without 
affecting your obligation under this Agreement. 
affecting your obligation under this Agreement. 

Irregular  Payment  and  Delay  in  Enforcement,  Waivers  and 
Irregular  Payment  and  Delay  in  Enforcement,  Waivers  and 
Releases.  We  can  accept  late  payments,  partial  payments,  checks 
Releases.  We  can  accept  late  payments,  partial  payments,  checks 
and  money  orders  marked  “paid  in  full”  or  language  having  the 
and  money  orders  marked  “paid  in  full”  or  language  having  the 
same effect without losing any of our rights under this Agreement. 
same effect without losing any of our rights under this Agreement. 
We can also delay enforcing our rights under this Agreement any 
We can also delay enforcing our rights under this Agreement any 
number  of  times  without  losing  them  and  can  waive  or  delay 
number  of  times  without  losing  them  and  can  waive  or  delay 
enforcing a right against one of you without waiving or delaying it 
enforcing a right against one of you without waiving or delaying it 
as to the other.  No waiver by us of any default shall be effective 
as to the other.  No waiver by us of any default shall be effective 
unless  in  writing  nor  operate  as  a  waiver  of  any  other  future 
unless  in  writing  nor  operate  as  a  waiver  of  any  other  future 
default. We can release any one of you in whole or in part without 
default. We can release any one of you in whole or in part without 
affecting your obligation under this Agreement. 
affecting your obligation under this Agreement. 

8.  Minimum  Payments.  You  may  pay  your  New  Balance  each 
8.  Minimum  Payments.  You  may  pay  your  New  Balance  each 
8.  Minimum  Payments.  You  may  pay  your  New  Balance  each 
8.  Minimum  Payments.  You  may  pay  your  New  Balance  each 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to 
month,  or  you  may  pay  in  monthly  installments.  If  you  decide  to 
pay  in  monthly  installments,  you  must  pay  at  least  the  Minimum 
pay  in  monthly  installments,  you  must  pay  at  least  the  Minimum 
pay  in  monthly  installments,  you  must  pay  at  least  the  Minimum 
pay  in  monthly  installments,  you  must  pay  at  least  the  Minimum 
Payment  Due  shown  on  your  Monthly  Billing  Statement  by  the 
Payment  Due  shown  on  your  Monthly  Billing  Statement  by  the 
Payment  Due  shown  on  your  Monthly  Billing  Statement  by  the 
Payment  Due  shown  on  your  Monthly  Billing  Statement  by  the 
Payment  Due  Date.  You  may  pay  more  than  the  Minimum 
Payment  Due  Date.  You  may  pay  more  than  the  Minimum 
Payment  Due  Date.  You  may  pay  more  than  the  Minimum 
Payment  Due  Date.  You  may  pay  more  than  the  Minimum 
Payment Due and may at any time pay your total balance due. We 
Payment Due and may at any time pay your total balance due. We 
Payment Due and may at any time pay your total balance due. We 
Payment Due and may at any time pay your total balance due. We 
will  apply  payments  to  amounts  owed  on  your  Account based  on 
will  apply  payments  to  amounts  owed  on  your  Account based  on 
will  apply  payments  to  amounts  owed  on  your  Account based  on 
will  apply  payments  to  amounts  owed  on  your  Account based  on 
applicable laws.  
applicable laws.  
applicable laws.  
applicable laws.  

If  your  New  Balance  is  greater  than  $15.00,  then  the  Minimum 
If  your  New  Balance  is  greater  than  $15.00,  then  the  Minimum 
Payment  Due  will  be  the  greater  of  $15.00  or  3%  of  your  total 
Payment  Due  will  be  the  greater  of  $15.00  or  3%  of  your  total 
outstanding  balance,  plus  late  fee  and  any  amount  that  is 
outstanding  balance,  plus  late  fee  and  any  amount  that  is 
delinquent.  If the New Balance is less than $15.00 you pay only 
delinquent.  If the New Balance is less than $15.00 you pay only 
the New Balance.  When we calculate the Minimum Payment Due, 
the New Balance.  When we calculate the Minimum Payment Due, 
it will be rounded to the next highest $5.00 increment. 
it will be rounded to the next highest $5.00 increment. 

If  your  New  Balance  is  greater  than  $15.00,  then  the  Minimum 
If  your  New  Balance  is  greater  than  $15.00,  then  the  Minimum 
Payment  Due  will  be  the  greater  of  $15.00  or  3%  of  your  total 
Payment  Due  will  be  the  greater  of  $15.00  or  3%  of  your  total 
outstanding  balance,  plus  late  fee  and  any  amount  that  is 
outstanding  balance,  plus  late  fee  and  any  amount  that  is 
delinquent.  If the New Balance is less than $15.00 you pay only 
delinquent.  If the New Balance is less than $15.00 you pay only 
the New Balance.  When we calculate the Minimum Payment Due, 
the New Balance.  When we calculate the Minimum Payment Due, 
it will be rounded to the next highest $5.00 increment. 
it will be rounded to the next highest $5.00 increment. 

06/13 
06/13 

06/13 
06/13 

G-14737
G-14737
G-14737
G-14737

Your  Account  is  not  in  good  standing  if  at  any  time  we  do  not 
Your  Account  is  not  in  good  standing  if  at  any  time  we  do  not 
Your  Account  is  not  in  good  standing  if  at  any  time  we  do  not 
Your  Account  is  not  in  good  standing  if  at  any  time  we  do  not 
receive  at  least  the  Minimum  Payment  Due  by  the  60th  day  after 
receive  at  least  the  Minimum  Payment  Due  by  the  60th  day  after 
receive  at  least  the  Minimum  Payment  Due  by  the  60th  day  after 
receive  at  least  the  Minimum  Payment  Due  by  the  60th  day  after 
the Payment Due Date shown on the Monthly Billing Statement.       
the Payment Due Date shown on the Monthly Billing Statement.       
the Payment Due Date shown on the Monthly Billing Statement.       
the Payment Due Date shown on the Monthly Billing Statement.       

INTEREST  CHARGES.  Your  Account 
the 
to 
INTEREST  CHARGES.  Your  Account 
the 
to 
following Interest charges, each of which will be charged to your 
following Interest charges, each of which will be charged to your 
Account as a Purchase: 
Account as a Purchase: 

INTEREST  CHARGES.  Your  Account 
the 
the 
INTEREST  CHARGES.  Your  Account 
following Interest charges, each of which will be charged to your 
following Interest charges, each of which will be charged to your 
Account as a Purchase: 
Account as a Purchase: 

to 
is  subject 
to 
is  subject 

is  subject 
is  subject 

is 
Periodic  Interest  Charges.  An  INTEREST  CHARGE 
Periodic  Interest  Charges.  An  INTEREST  CHARGE 
Periodic  Interest  Charges.  An  INTEREST  CHARGE 
is 
is 
is 
Periodic  Interest  Charges.  An  INTEREST  CHARGE 
imposed on Purchases beginning on the date the Purchase is posted 
imposed on Purchases beginning on the date the Purchase is posted 
imposed on Purchases beginning on the date the Purchase is posted 
imposed on Purchases beginning on the date the Purchase is posted 
to your Account. No INTEREST CHARGE will be imposed on 
to your Account. No INTEREST CHARGE will be imposed on 
to your Account. No INTEREST CHARGE will be imposed on 
to your Account. No INTEREST CHARGE will be imposed on 
your  Purchases  if  the  Previous  Balance  shown  on  your  Monthly 
your  Purchases  if  the  Previous  Balance  shown  on  your  Monthly 
your  Purchases  if  the  Previous  Balance  shown  on  your  Monthly 
your  Purchases  if  the  Previous  Balance  shown  on  your  Monthly 
Billing Statement is zero and you pay your New Balance in full by 
Billing Statement is zero and you pay your New Balance in full by 
Billing Statement is zero and you pay your New Balance in full by 
Billing Statement is zero and you pay your New Balance in full by 
the Payment Due Date shown on your Monthly Billing Statement. 
the Payment Due Date shown on your Monthly Billing Statement. 
the Payment Due Date shown on your Monthly Billing Statement. 
the Payment Due Date shown on your Monthly Billing Statement. 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances 
An  INTEREST  CHARGE  is  imposed  on  Cash  Advances 
beginning  on  the  date  they  are  obtained  and  continues  until  the 
beginning  on  the  date  they  are  obtained  and  continues  until  the 
beginning  on  the  date  they  are  obtained  and  continues  until  the 
beginning  on  the  date  they  are  obtained  and  continues  until  the 
balance of your Account is paid in full. There is no time in which 
balance of your Account is paid in full. There is no time in which 
balance of your Account is paid in full. There is no time in which 
balance of your Account is paid in full. There is no time in which 
you can pay the balance of Cash Advances in order to completely 
you can pay the balance of Cash Advances in order to completely 
you can pay the balance of Cash Advances in order to completely 
you can pay the balance of Cash Advances in order to completely 
avoid an INTEREST CHARGE. 
avoid an INTEREST CHARGE. 
avoid an INTEREST CHARGE. 
avoid an INTEREST CHARGE. 

THE  INTEREST  CHARGE  is  determined  by  multiplying  the 
THE  INTEREST  CHARGE  is  determined  by  multiplying  the 
Average  Daily  Balance  for  Purchases  and  for  Cash  Advances 
Average  Daily  Balance  for  Purchases  and  for  Cash  Advances 
outstanding  during  the  monthly  billing  cycle  by  the  monthly 
outstanding  during  the  monthly  billing  cycle  by  the  monthly 
Periodic Rate. The monthly Periodic Rate for Purchases and Cash 
Periodic Rate. The monthly Periodic Rate for Purchases and Cash 
Advances  is  1.158%,  which  is  equivalent  to  an  ANNUAL 
Advances  is  1.158%,  which  is  equivalent  to  an  ANNUAL 
PERCENTAGE RATE of 13.9%. 
PERCENTAGE RATE of 13.9%. 

THE  INTEREST  CHARGE  is  determined  by  multiplying  the 
THE  INTEREST  CHARGE  is  determined  by  multiplying  the 
Average  Daily  Balance  for  Purchases  and  for  Cash  Advances 
Average  Daily  Balance  for  Purchases  and  for  Cash  Advances 
outstanding  during  the  monthly  billing  cycle  by  the  monthly 
outstanding  during  the  monthly  billing  cycle  by  the  monthly 
Periodic Rate. The monthly Periodic Rate for Purchases and Cash 
Periodic Rate. The monthly Periodic Rate for Purchases and Cash 
Advances  is  1.158%,  which  is  equivalent  to  an  ANNUAL 
Advances  is  1.158%,  which  is  equivalent  to  an  ANNUAL 
PERCENTAGE RATE of 13.9%. 
PERCENTAGE RATE of 13.9%. 

The  Average  Daily  Balance  is  computed  by  taking  the  beginning 
The  Average  Daily  Balance  is  computed  by  taking  the  beginning 
balance  of  your  Account  on  each  day  calculated  separately  for 
balance  of  your  Account  on  each  day  calculated  separately  for 
Purchases  and  Cash  Advances,  adding  new  Purchases  and  Cash 
Purchases  and  Cash  Advances,  adding  new  Purchases  and  Cash 
Advances and subtracting any payments and credits. Any resulting 
Advances and subtracting any payments and credits. Any resulting 
credit balance is treated as a zero ($0.00) balance. This gives us the 
credit balance is treated as a zero ($0.00) balance. This gives us the 
daily  balance.  The  daily  balances  are  then  added  together  and 
daily  balance.  The  daily  balances  are  then  added  together  and 
divided  by  the  number  of  days  in  the  billing  cycle  to  get  the 
divided  by  the  number  of  days  in  the  billing  cycle  to  get  the 
Average Daily Balance. 
Average Daily Balance. 

The  Average  Daily  Balance  is  computed  by  taking  the  beginning 
The  Average  Daily  Balance  is  computed  by  taking  the  beginning 
balance  of  your  Account  on  each  day  calculated  separately  for 
balance  of  your  Account  on  each  day  calculated  separately  for 
Purchases  and  Cash  Advances,  adding  new  Purchases  and  Cash 
Purchases  and  Cash  Advances,  adding  new  Purchases  and  Cash 
Advances and subtracting any payments and credits. Any resulting 
Advances and subtracting any payments and credits. Any resulting 
credit balance is treated as a zero ($0.00) balance. This gives us the 
credit balance is treated as a zero ($0.00) balance. This gives us the 
daily  balance.  The  daily  balances  are  then  added  together  and 
daily  balance.  The  daily  balances  are  then  added  together  and 
divided  by  the  number  of  days  in  the  billing  cycle  to  get  the 
divided  by  the  number  of  days  in  the  billing  cycle  to  get  the 
Average Daily Balance. 
Average Daily Balance. 

Minimum Interest Charge. The minimum Periodic INTEREST 
Minimum Interest Charge. The minimum Periodic INTEREST 
Minimum Interest Charge. The minimum Periodic INTEREST 
Minimum Interest Charge. The minimum Periodic INTEREST 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 
CHARGE each billing cycle, based on the Periodic Rate, is $.50. 

Cash Advance Fee. In addition to the INTEREST CHARGE on 
Cash Advance Fee. In addition to the INTEREST CHARGE on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate, 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate, 
there  is  an  INTEREST  CHARGE  of  3%  (minimum  $5.00), 
there  is  an  INTEREST  CHARGE  of  3%  (minimum  $5.00), 
whichever  is  greater,  for  each  Cash  Advance  posted  to  your 
whichever  is  greater,  for  each  Cash  Advance  posted  to  your 
Account that month. 
Account that month. 

Cash Advance Fee. In addition to the INTEREST CHARGE on 
Cash Advance Fee. In addition to the INTEREST CHARGE on 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate, 
Cash  Advances  calculated  by  application  of  the  Periodic  Rate, 
there  is  an  INTEREST  CHARGE  of  3%  (minimum  $5.00), 
there  is  an  INTEREST  CHARGE  of  3%  (minimum  $5.00), 
whichever  is  greater,  for  each  Cash  Advance  posted  to  your 
whichever  is  greater,  for  each  Cash  Advance  posted  to  your 
Account that month. 
Account that month. 

Replacement Card Fee. If at any time you request a replacement 
Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your 
current credit card, you may be charged a Replacement  Card Fee 
current credit card, you may be charged a Replacement  Card Fee 
of $5.00. No replacement Card will be allowed on the third lost or 
of $5.00. No replacement Card will be allowed on the third lost or 
stolen Card. This fee is an INTEREST CHARGE. 
stolen Card. This fee is an INTEREST CHARGE. 

Replacement Card Fee. If at any time you request a replacement 
Replacement Card Fee. If at any time you request a replacement 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your 
credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your 
current credit card, you may be charged a Replacement  Card Fee 
current credit card, you may be charged a Replacement  Card Fee 
of $5.00. No replacement Card will be allowed on the third lost or 
of $5.00. No replacement Card will be allowed on the third lost or 
stolen Card. This fee is an INTEREST CHARGE. 
stolen Card. This fee is an INTEREST CHARGE. 

10.  FEES.  Your  Account  is  subject  to  the  following  fees,  each  of 
10.  FEES.  Your  Account  is  subject  to  the  following  fees,  each  of 

10.  FEES.  Your  Account  is  subject  to  the  following  fees,  each  of 
10.  FEES.  Your  Account  is  subject  to  the  following  fees,  each  of 
which will be charged to your Account as a Purchase: 
which will be charged to your Account as a Purchase: 

which will be charged to your Account as a Purchase: 
which will be charged to your Account as a Purchase: 

Late Fee. If we do not receive a payment from you in at least the 
Late Fee. If we do not receive a payment from you in at least the 
amount of your Minimum Payment Due by the Payment Due Date 
amount of your Minimum Payment Due by the Payment Due Date 
shown  on  any  Monthly  Billing  Statement,  you  may  be  charged  a 
shown  on  any  Monthly  Billing  Statement,  you  may  be  charged  a 
Late Fee equal to the amount of the Minimum Payment Due up to 
Late Fee equal to the amount of the Minimum Payment Due up to 
a maximum of $25.00. 
a maximum of $25.00. 

Late Fee. If we do not receive a payment from you in at least the 
Late Fee. If we do not receive a payment from you in at least the 
amount of your Minimum Payment Due by the Payment Due Date 
amount of your Minimum Payment Due by the Payment Due Date 
shown  on  any  Monthly  Billing  Statement,  you  may  be  charged  a 
shown  on  any  Monthly  Billing  Statement,  you  may  be  charged  a 
Late Fee equal to the amount of the Minimum Payment Due up to 
Late Fee equal to the amount of the Minimum Payment Due up to 
a maximum of $25.00. 
a maximum of $25.00. 

Returned Payment Fee. If you make a payment on your Account 
Returned Payment Fee. If you make a payment on your Account 
and your check or other payment instrument is not honored for any 
and your check or other payment instrument is not honored for any 
reason or cannot be processed, we may charge a Returned Payment 
reason or cannot be processed, we may charge a Returned Payment 

Returned Payment Fee. If you make a payment on your Account 
Returned Payment Fee. If you make a payment on your Account 
and your check or other payment instrument is not honored for any 
and your check or other payment instrument is not honored for any 
reason or cannot be processed, we may charge a Returned Payment 
reason or cannot be processed, we may charge a Returned Payment 

Fee  equal  to  the  amount  of  the  Minimum  Payment  Due  up  to  a 
Fee  equal  to  the  amount  of  the  Minimum  Payment  Due  up  to  a 
maximum of $25.00.   
maximum of $25.00.   

Fee  equal  to  the  amount  of  the  Minimum  Payment  Due  up  to  a 
Fee  equal  to  the  amount  of  the  Minimum  Payment  Due  up  to  a 
maximum of $25.00.   
maximum of $25.00.   

Account  Handling  Fee.  If  you  are  in  default  of  this  Agreement 
Account  Handling  Fee.  If  you  are  in  default  of  this  Agreement 
Account  Handling  Fee.  If  you  are  in  default  of  this  Agreement 
Account  Handling  Fee.  If  you  are  in  default  of  this  Agreement 
and it is necessary for us to place restrictions on your Account, you 
and it is necessary for us to place restrictions on your Account, you 
and it is necessary for us to place restrictions on your Account, you 
and it is necessary for us to place restrictions on your Account, you 
may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these 
may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these 
may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these 
may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these 
restrictions cause your Card to be retained and returned to us, you 
restrictions cause your Card to be retained and returned to us, you 
restrictions cause your Card to be retained and returned to us, you 
restrictions cause your Card to be retained and returned to us, you 
agree to pay all charges associated with recovering your Card. 
agree to pay all charges associated with recovering your Card. 
agree to pay all charges associated with recovering your Card. 
agree to pay all charges associated with recovering your Card. 

Reinstatement Fee. If we close your Account due to your default 
Reinstatement Fee. If we close your Account due to your default 
and we later reinstate your Account at your request, you may be a 
and we later reinstate your Account at your request, you may be a 
charged a Reinstatement Fee of $25.00. 
charged a Reinstatement Fee of $25.00. 

Reinstatement Fee. If we close your Account due to your default 
Reinstatement Fee. If we close your Account due to your default 
and we later reinstate your Account at your request, you may be a 
and we later reinstate your Account at your request, you may be a 
charged a Reinstatement Fee of $25.00. 
charged a Reinstatement Fee of $25.00. 

Statement Copy Fee. If you request a copy of a Monthly Billing 
Statement Copy Fee. If you request a copy of a Monthly Billing 
Statement, you may be charged a Statement Copy Fee of $2.50 per 
Statement, you may be charged a Statement Copy Fee of $2.50 per 
page. 
page. 

Statement Copy Fee. If you request a copy of a Monthly Billing 
Statement Copy Fee. If you request a copy of a Monthly Billing 
Statement, you may be charged a Statement Copy Fee of $2.50 per 
Statement, you may be charged a Statement Copy Fee of $2.50 per 
page. 
page. 

11.  Default/Collection Costs. Your Account will be in default and we 
11.  Default/Collection Costs. Your Account will be in default and we 
11.  Default/Collection Costs. Your Account will be in default and we 
11.  Default/Collection Costs. Your Account will be in default and we 
may demand immediate payment of the entire amount you owe us 
may demand immediate payment of the entire amount you owe us 
may demand immediate payment of the entire amount you owe us 
may demand immediate payment of the entire amount you owe us 
without  giving  you  prior  notice,  if:  (a)  your  Minimum  Payment 
without  giving  you  prior  notice,  if:  (a)  your  Minimum  Payment 
without  giving  you  prior  notice,  if:  (a)  your  Minimum  Payment 
without  giving  you  prior  notice,  if:  (a)  your  Minimum  Payment 
Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make 
Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make 
Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make 
Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make 
Purchases  or  obtain  Cash  Advances  in  excess  of  your  credit  line; 
Purchases  or  obtain  Cash  Advances  in  excess  of  your  credit  line; 
Purchases  or  obtain  Cash  Advances  in  excess  of  your  credit  line; 
Purchases  or  obtain  Cash  Advances  in  excess  of  your  credit  line; 
(c)  you  become  insolvent  or  are  a  party  to  a  bankruptcy 
(c)  you  become  insolvent  or  are  a  party  to  a  bankruptcy 
(c)  you  become  insolvent  or  are  a  party  to  a  bankruptcy 
(c)  you  become  insolvent  or  are  a  party  to  a  bankruptcy 
proceeding; (d) in the case of an Account with co-obligors where 
proceeding; (d) in the case of an Account with co-obligors where 
proceeding; (d) in the case of an Account with co-obligors where 
proceeding; (d) in the case of an Account with co-obligors where 
either  of  you  request  termination  of  the  other;  (e)  you  or  a  co-
either  of  you  request  termination  of  the  other;  (e)  you  or  a  co-
either  of  you  request  termination  of  the  other;  (e)  you  or  a  co-
either  of  you  request  termination  of  the  other;  (e)  you  or  a  co-
obligor  dies;  (f)  you  provide  false  information  to  us,  misuse  the 
obligor  dies;  (f)  you  provide  false  information  to  us,  misuse  the 
obligor  dies;  (f)  you  provide  false  information  to  us,  misuse  the 
obligor  dies;  (f)  you  provide  false  information  to  us,  misuse  the 
Account  or  Card  or  violate  any  term  of  this  Agreement;  (g)  any 
Account  or  Card  or  violate  any  term  of  this  Agreement;  (g)  any 
Account  or  Card  or  violate  any  term  of  this  Agreement;  (g)  any 
Account  or  Card  or  violate  any  term  of  this  Agreement;  (g)  any 
judgment or lien is filed against you; or (h) we reasonably believe 
judgment or lien is filed against you; or (h) we reasonably believe 
judgment or lien is filed against you; or (h) we reasonably believe 
judgment or lien is filed against you; or (h) we reasonably believe 
that your ability to repay your obligations to us has been materially 
that your ability to repay your obligations to us has been materially 
that your ability to repay your obligations to us has been materially 
that your ability to repay your obligations to us has been materially 
impaired. We shall also have the right to all remedies provided by 
impaired. We shall also have the right to all remedies provided by 
impaired. We shall also have the right to all remedies provided by 
impaired. We shall also have the right to all remedies provided by 
law  including,  without  limitation,  closing  or  refusing  to  renew 
law  including,  without  limitation,  closing  or  refusing  to  renew 
law  including,  without  limitation,  closing  or  refusing  to  renew 
law  including,  without  limitation,  closing  or  refusing  to  renew 
your Account and demanding return of your Card(s).  If we refer 
your Account and demanding return of your Card(s).  If we refer 
your Account and demanding return of your Card(s).  If we refer 
your Account and demanding return of your Card(s).  If we refer 
your  Account  for  collections  to  an  attorney  who  is  not  our 
your  Account  for  collections  to  an  attorney  who  is  not  our 
your  Account  for  collections  to  an  attorney  who  is  not  our 
your  Account  for  collections  to  an  attorney  who  is  not  our 
regularly salaried employee, you agree to pay the reasonable fees 
regularly salaried employee, you agree to pay the reasonable fees 
regularly salaried employee, you agree to pay the reasonable fees 
regularly salaried employee, you agree to pay the reasonable fees 
of  such  attorney  and,  whether  or  not  an  attorney  is  retained,  all 
of  such  attorney  and,  whether  or  not  an  attorney  is  retained,  all 
of  such  attorney  and,  whether  or  not  an  attorney  is  retained,  all 
of  such  attorney  and,  whether  or  not  an  attorney  is  retained,  all 
court  and  other  collection  costs  (including  and  amounts  actually 
court  and  other  collection  costs  (including  and  amounts  actually 
court  and  other  collection  costs  (including  and  amounts  actually 
court  and  other  collection  costs  (including  and  amounts  actually 
incurred by us in recovering your Cards(s)).  
incurred by us in recovering your Cards(s)).  
incurred by us in recovering your Cards(s)).  
incurred by us in recovering your Cards(s)).  

12.  Refusals  to  Honor  Card.  We  are  not  responsible  for  refusals  to 
12.  Refusals  to  Honor  Card.  We  are  not  responsible  for  refusals  to 
12.  Refusals  to  Honor  Card.  We  are  not  responsible  for  refusals  to 
12.  Refusals  to  Honor  Card.  We  are  not  responsible  for  refusals  to 
honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
honor  your  Card.  And,  except  as  otherwise  required  by  law  or 
regulations, we will not be responsible for merchandise or services 
regulations, we will not be responsible for merchandise or services 
regulations, we will not be responsible for merchandise or services 
regulations, we will not be responsible for merchandise or services 
purchased through use of your Card. 
purchased through use of your Card. 
purchased through use of your Card. 
purchased through use of your Card. 

13.  Termination.  We  may  terminate  your  privileges  under  the 
13.  Termination.  We  may  terminate  your  privileges  under  the 
13.  Termination.  We  may  terminate  your  privileges  under  the 
13.  Termination.  We  may  terminate  your  privileges  under  the 
Agreement or cancel or limit your privileges to make Purchases or 
Agreement or cancel or limit your privileges to make Purchases or 
Agreement or cancel or limit your privileges to make Purchases or 
Agreement or cancel or limit your privileges to make Purchases or 
obtain Cash Advances at any time, with or without cause, without 
obtain Cash Advances at any time, with or without cause, without 
obtain Cash Advances at any time, with or without cause, without 
obtain Cash Advances at any time, with or without cause, without 
notice  or  liability.  If  we  ask,  you  must  return  your  Card(s)  to  us, 
notice  or  liability.  If  we  ask,  you  must  return  your  Card(s)  to  us, 
notice  or  liability.  If  we  ask,  you  must  return  your  Card(s)  to  us, 
notice  or  liability.  If  we  ask,  you  must  return  your  Card(s)  to  us, 
cut in half. You agree that you will not try to make any Purchases 
cut in half. You agree that you will not try to make any Purchases 
cut in half. You agree that you will not try to make any Purchases 
cut in half. You agree that you will not try to make any Purchases 
or  obtain  Cash  Advances  after  you  have  been  notified  that  your 
or  obtain  Cash  Advances  after  you  have  been  notified  that  your 
or  obtain  Cash  Advances  after  you  have  been  notified  that  your 
or  obtain  Cash  Advances  after  you  have  been  notified  that  your 
privileges  to  use  your  Account  have  been  cancelled.  You  may 
privileges  to  use  your  Account  have  been  cancelled.  You  may 
privileges  to  use  your  Account  have  been  cancelled.  You  may 
privileges  to  use  your  Account  have  been  cancelled.  You  may 
cancel  this  Agreement  by  returning  all  Cards  issued  on  your 
cancel  this  Agreement  by  returning  all  Cards  issued  on  your 
cancel  this  Agreement  by  returning  all  Cards  issued  on  your 
cancel  this  Agreement  by  returning  all  Cards  issued  on  your 
Account to us, cut in half. Your or our termination or cancellation 
Account to us, cut in half. Your or our termination or cancellation 
Account to us, cut in half. Your or our termination or cancellation 
Account to us, cut in half. Your or our termination or cancellation 
will not affect your existing obligations under this Agreement. 
will not affect your existing obligations under this Agreement. 
will not affect your existing obligations under this Agreement. 
will not affect your existing obligations under this Agreement. 

14.  Notices. We will send statements and any other notices to you at 
14.  Notices. We will send statements and any other notices to you at 
14.  Notices. We will send statements and any other notices to you at 
14.  Notices. We will send statements and any other notices to you at 
the address shown in our files. IF this is a Joint Account, we can 
the address shown in our files. IF this is a Joint Account, we can 
the address shown in our files. IF this is a Joint Account, we can 
the address shown in our files. IF this is a Joint Account, we can 
notify one of you and the notice will be effective for both of you. 
notify one of you and the notice will be effective for both of you. 
notify one of you and the notice will be effective for both of you. 
notify one of you and the notice will be effective for both of you. 
Similarly,  one  of  you  can  notify  us  and  we  will  consider  it  to  be 
Similarly,  one  of  you  can  notify  us  and  we  will  consider  it  to  be 
Similarly,  one  of  you  can  notify  us  and  we  will  consider  it  to  be 
Similarly,  one  of  you  can  notify  us  and  we  will  consider  it  to  be 
notice  from  both  of  you.  You  promise  to  inform  us  promptly  in 
notice  from  both  of  you.  You  promise  to  inform  us  promptly  in 
notice  from  both  of  you.  You  promise  to  inform  us  promptly  in 
notice  from  both  of  you.  You  promise  to  inform  us  promptly  in 
writing  of  any  change  in  your  address.  In  determining  your  last 
writing  of  any  change  in  your  address.  In  determining  your  last 
writing  of  any  change  in  your  address.  In  determining  your  last 
writing  of  any  change  in  your  address.  In  determining  your  last 
known  address,  we  can  accept  address  corrections  received  from 
known  address,  we  can  accept  address  corrections  received  from 
known  address,  we  can  accept  address  corrections  received  from 
known  address,  we  can  accept  address  corrections  received  from 
the U.S. Postal Service. 
the U.S. Postal Service. 
the U.S. Postal Service. 
the U.S. Postal Service. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
15.  Changes  in  Agreement  Terms.  We  can  change  any  term  of  this 
15.  Changes  in  Agreement  Terms.  We  can  change  any  term  of  this 
15.  Changes  in  Agreement  Terms.  We  can  change  any  term  of  this 
15.  Changes  in  Agreement  Terms.  We  can  change  any  term  of  this 
Agreement, including the rate at which or manner in which Interest 
Agreement, including the rate at which or manner in which Interest 
Agreement, including the rate at which or manner in which Interest 
Agreement, including the rate at which or manner in which Interest 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
charges  are  calculated,  at  any  time  upon  such  notice  to  you  as  is 
required by law. At our option, any change will apply both to your 
required by law. At our option, any change will apply both to your 
required by law. At our option, any change will apply both to your 
required by law. At our option, any change will apply both to your 
new  activity  and  to  your  outstanding  balance  when  the  change  is 
new  activity  and  to  your  outstanding  balance  when  the  change  is 
new  activity  and  to  your  outstanding  balance  when  the  change  is 
new  activity  and  to  your  outstanding  balance  when  the  change  is 
effective. If you do not wish to be subject to the change, you must 
effective. If you do not wish to be subject to the change, you must 
effective. If you do not wish to be subject to the change, you must 
effective. If you do not wish to be subject to the change, you must 
notify  us  in  writing  within  25  days  of  the  effective  date  of  the 
notify  us  in  writing  within  25  days  of  the  effective  date  of  the 
notify  us  in  writing  within  25  days  of  the  effective  date  of  the 
notify  us  in  writing  within  25  days  of  the  effective  date  of  the 
change and close your Account. Use of the Card after the effective 
change and close your Account. Use of the Card after the effective 
change and close your Account. Use of the Card after the effective 
change and close your Account. Use of the Card after the effective 
date of the change is deemed acceptance of the new terms. 
date of the change is deemed acceptance of the new terms. 
date of the change is deemed acceptance of the new terms. 
date of the change is deemed acceptance of the new terms. 

16.  Arbitration.    “Arbitration”  is  a  means  of  having  an  independent 
16.  Arbitration.    “Arbitration”  is  a  means  of  having  an  independent 
16.  Arbitration.    “Arbitration”  is  a  means  of  having  an  independent 
16.  Arbitration.    “Arbitration”  is  a  means  of  having  an  independent 
third  party  resolve  a  Dispute.  A  “Dispute”  is  any  controversy  or 
third  party  resolve  a  Dispute.  A  “Dispute”  is  any  controversy  or 
third  party  resolve  a  Dispute.  A  “Dispute”  is  any  controversy  or 
third  party  resolve  a  Dispute.  A  “Dispute”  is  any  controversy  or 
claim  of  any  type  or  nature  between  you  (or  any  co-signer,  co-
claim  of  any  type  or  nature  between  you  (or  any  co-signer,  co-
claim  of  any  type  or  nature  between  you  (or  any  co-signer,  co-
claim  of  any  type  or  nature  between  you  (or  any  co-signer,  co-
obligor,  guarantor,  joint  user  or  authorized  user)  and  us  or  our 
obligor,  guarantor,  joint  user  or  authorized  user)  and  us  or  our 
obligor,  guarantor,  joint  user  or  authorized  user)  and  us  or  our 
obligor,  guarantor,  joint  user  or  authorized  user)  and  us  or  our 
employees, officers, directors, attorneys, and other representatives 
employees, officers, directors, attorneys, and other representatives 
employees, officers, directors, attorneys, and other representatives 
employees, officers, directors, attorneys, and other representatives 
and agents, arising out of or in any way relating to this agreement, 
and agents, arising out of or in any way relating to this agreement, 
and agents, arising out of or in any way relating to this agreement, 
and agents, arising out of or in any way relating to this agreement, 
including  this  arbitration  agreement.  You  agree  that  this  is  a 
including  this  arbitration  agreement.  You  agree  that  this  is  a 
including  this  arbitration  agreement.  You  agree  that  this  is  a 
including  this  arbitration  agreement.  You  agree  that  this  is  a 
contract  involving  interstate  commerce  which  is  subject  to  the 
contract  involving  interstate  commerce  which  is  subject  to  the 
contract  involving  interstate  commerce  which  is  subject  to  the 
contract  involving  interstate  commerce  which  is  subject  to  the 
Federal  Arbitration  Act  and  that  any  Dispute  shall  be  settled  by 
Federal  Arbitration  Act  and  that  any  Dispute  shall  be  settled  by 
Federal  Arbitration  Act  and  that  any  Dispute  shall  be  settled  by 
Federal  Arbitration  Act  and  that  any  Dispute  shall  be  settled  by 
binding  Arbitration  in  accordance  with  the  applicable  rules  and 
binding  Arbitration  in  accordance  with  the  applicable  rules  and 
binding  Arbitration  in  accordance  with  the  applicable  rules  and 
binding  Arbitration  in  accordance  with  the  applicable  rules  and 
procedures  of  the  American  Arbitration  Association  (“AAA”), 
procedures  of  the  American  Arbitration  Association  (“AAA”), 
procedures  of  the  American  Arbitration  Association  (“AAA”), 
procedures  of  the  American  Arbitration  Association  (“AAA”), 
except  as  modified  herein  with  the  sole  exception  of  collection 
except  as  modified  herein  with  the  sole  exception  of  collection 
except  as  modified  herein  with  the  sole  exception  of  collection 
except  as  modified  herein  with  the  sole  exception  of  collection 
actions by us relating to your Account. You and we agree that the 
actions by us relating to your Account. You and we agree that the 
actions by us relating to your Account. You and we agree that the 
actions by us relating to your Account. You and we agree that the 
arbitrator  has  no  authority  to  conduct  class-wide  proceedings  and 
arbitrator  has  no  authority  to  conduct  class-wide  proceedings  and 
arbitrator  has  no  authority  to  conduct  class-wide  proceedings  and 
arbitrator  has  no  authority  to  conduct  class-wide  proceedings  and 
will be restricted to resolving the individual disputes between the 
will be restricted to resolving the individual disputes between the 
will be restricted to resolving the individual disputes between the 
will be restricted to resolving the individual disputes between the 
parties. You further agree to waive any claim for punitive damages 
parties. You further agree to waive any claim for punitive damages 
parties. You further agree to waive any claim for punitive damages 
parties. You further agree to waive any claim for punitive damages 
to  the  extent  permitted  by  law.  The  arbitrator  otherwise  has  the 
to  the  extent  permitted  by  law.  The  arbitrator  otherwise  has  the 
to  the  extent  permitted  by  law.  The  arbitrator  otherwise  has  the 
to  the  extent  permitted  by  law.  The  arbitrator  otherwise  has  the 
ability to award all remedies otherwise available by statute, at law 
ability to award all remedies otherwise available by statute, at law 
ability to award all remedies otherwise available by statute, at law 
ability to award all remedies otherwise available by statute, at law 
or  in  equity  to  the  prevailing  party  including  the  recovery  of 
or  in  equity  to  the  prevailing  party  including  the  recovery  of 
or  in  equity  to  the  prevailing  party  including  the  recovery  of 
or  in  equity  to  the  prevailing  party  including  the  recovery  of 
reasonable  attorneys’  fees  and  the  costs  of  arbitration,  as 
reasonable  attorneys’  fees  and  the  costs  of  arbitration,  as 
reasonable  attorneys’  fees  and  the  costs  of  arbitration,  as 
reasonable  attorneys’  fees  and  the  costs  of  arbitration,  as 
determined  by  the  arbitrator.  Judgment  upon  the  award  rendered 
determined  by  the  arbitrator.  Judgment  upon  the  award  rendered 
determined  by  the  arbitrator.  Judgment  upon  the  award  rendered 
determined  by  the  arbitrator.  Judgment  upon  the  award  rendered 
by  an  arbitrator  may  be  entered  in  any  court  having  jurisdiction 
by  an  arbitrator  may  be  entered  in  any  court  having  jurisdiction 
by  an  arbitrator  may  be  entered  in  any  court  having  jurisdiction 
by  an  arbitrator  may  be  entered  in  any  court  having  jurisdiction 
thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
thereof.  YOU  UNDERSTAND  THAT  YOU  WILL  NOT  HAVE 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL, 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL, 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL, 
THE  RIGHT  TO  GO  TO  COURT,  TO  HAVE  A  JURY  TRIAL, 
TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT 
TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT 
TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT 
TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT 
AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO 
AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO 
AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO 
AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO 
PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF 
PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF 
PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF 
PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF 
ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY 
ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY 
ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY 
ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY 
DISPUTE.  OTHER  RIGHTS  THAT  YOU  WOULD  HAVE  IF 
DISPUTE.  OTHER  RIGHTS  THAT  YOU  WOULD  HAVE  IF 
DISPUTE.  OTHER  RIGHTS  THAT  YOU  WOULD  HAVE  IF 
DISPUTE.  OTHER  RIGHTS  THAT  YOU  WOULD  HAVE  IF 
YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN 
YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN 
YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN 
YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN 
ARBITRATION.  If  any  portion  of  this  Arbitration  Agreement  is 
ARBITRATION.  If  any  portion  of  this  Arbitration  Agreement  is 
ARBITRATION.  If  any  portion  of  this  Arbitration  Agreement  is 
ARBITRATION.  If  any  portion  of  this  Arbitration  Agreement  is 
subsequently  deemed  unenforceable,  the  enforceability  of  any 
subsequently  deemed  unenforceable,  the  enforceability  of  any 
subsequently  deemed  unenforceable,  the  enforceability  of  any 
subsequently  deemed  unenforceable,  the  enforceability  of  any 
other provision of this Arbitration Agreement shall not be affected 
other provision of this Arbitration Agreement shall not be affected 
other provision of this Arbitration Agreement shall not be affected 
other provision of this Arbitration Agreement shall not be affected 
and  the  unenforceable  term  shall  be  amended  such  that  it  is 
and  the  unenforceable  term  shall  be  amended  such  that  it  is 
and  the  unenforceable  term  shall  be  amended  such  that  it  is 
and  the  unenforceable  term  shall  be  amended  such  that  it  is 
enforceable to the maximum extent permitted by law. 
enforceable to the maximum extent permitted by law. 
enforceable to the maximum extent permitted by law. 
enforceable to the maximum extent permitted by law. 

17.  Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
17.  Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
17.  Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
17.  Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial 
jurisdiction  and  venue  of  the  Circuit  Court  for  the  Third  Judicial 
Circuit, State of South Dakota, and agree that such court shall be 
Circuit, State of South Dakota, and agree that such court shall be 
Circuit, State of South Dakota, and agree that such court shall be 
Circuit, State of South Dakota, and agree that such court shall be 
the sole and exclusive jurisdiction and venue of all court actions of 
the sole and exclusive jurisdiction and venue of all court actions of 
the sole and exclusive jurisdiction and venue of all court actions of 
the sole and exclusive jurisdiction and venue of all court actions of 
disputes or claims arising from or relating to this Agreement or the 
disputes or claims arising from or relating to this Agreement or the 
disputes or claims arising from or relating to this Agreement or the 
disputes or claims arising from or relating to this Agreement or the 
Account relationship. 
Account relationship. 
Account relationship. 
Account relationship. 

18.  Applicable  Law.  This  Agreement  is  entered  into  in  the  State  of 
18.  Applicable  Law.  This  Agreement  is  entered  into  in  the  State  of 
18.  Applicable  Law.  This  Agreement  is  entered  into  in  the  State  of 
18.  Applicable  Law.  This  Agreement  is  entered  into  in  the  State  of 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in 
South  Dakota  where  the  decision  to  grant  credit  is  made  and  in 
which  payments  will  be  received.  Therefore,  this  Agreement  will 
which  payments  will  be  received.  Therefore,  this  Agreement  will 
which  payments  will  be  received.  Therefore,  this  Agreement  will 
which  payments  will  be  received.  Therefore,  this  Agreement  will 
be  governed  by  the  laws  of  the  State  of  South  Dakota  without 
be  governed  by  the  laws  of  the  State  of  South  Dakota  without 
be  governed  by  the  laws  of  the  State  of  South  Dakota  without 
be  governed  by  the  laws  of  the  State  of  South  Dakota  without 
giving  reference  to  its  conflict  of  law  provisions.  If  there  is  any 
giving  reference  to  its  conflict  of  law  provisions.  If  there  is  any 
giving  reference  to  its  conflict  of  law  provisions.  If  there  is  any 
giving  reference  to  its  conflict  of  law  provisions.  If  there  is  any 
conflict between any of the terms and conditions of this Agreement 
conflict between any of the terms and conditions of this Agreement 
conflict between any of the terms and conditions of this Agreement 
conflict between any of the terms and conditions of this Agreement 
and applicable law, this Agreement will be considered changed to 
and applicable law, this Agreement will be considered changed to 
and applicable law, this Agreement will be considered changed to 
and applicable law, this Agreement will be considered changed to 
the extent necessary to comply with the law. The other provisions 
the extent necessary to comply with the law. The other provisions 
the extent necessary to comply with the law. The other provisions 
the extent necessary to comply with the law. The other provisions 
of the Agreement shall not be affected. 
of the Agreement shall not be affected. 
of the Agreement shall not be affected. 
of the Agreement shall not be affected. 

19.  Binding Effect. This Agreement is binding upon and enforceable 

19.  Binding Effect. This Agreement is binding upon and enforceable 

19.  Binding Effect. This Agreement is binding upon and enforceable 
19.  Binding Effect. This Agreement is binding upon and enforceable 
against your heirs, legal representatives, or successors. 
against your heirs, legal representatives, or successors. 

against your heirs, legal representatives, or successors. 

against your heirs, legal representatives, or successors. 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your 
Written Notice 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your 
Written Notice 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your 
Written Notice 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your 
Written Notice 

20.  Foreign  Currency  Transactions.  If  you  effect  an  international 
20.  Foreign  Currency  Transactions.  If  you  effect  an  international 
20.  Foreign  Currency  Transactions.  If  you  effect  an  international 
20.  Foreign  Currency  Transactions.  If  you  effect  an  international 
transaction at a merchant that settles in a currency other than U.S. 
transaction at a merchant that settles in a currency other than U.S. 
transaction at a merchant that settles in a currency other than U.S. 
transaction at a merchant that settles in a currency other than U.S. 
dollars the rate used to determine the transaction amount for such 
dollars the rate used to determine the transaction amount for such 
dollars the rate used to determine the transaction amount for such 
dollars the rate used to determine the transaction amount for such 
transactions  is  generally  either  a  government  mandated  rate  or  a 
transactions  is  generally  either  a  government  mandated  rate  or  a 
transactions  is  generally  either  a  government  mandated  rate  or  a 
transactions  is  generally  either  a  government  mandated  rate  or  a 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
which  the  transaction  is  processed,  and  may  be  increased  by  an 
which  the  transaction  is  processed,  and  may  be  increased  by  an 
which  the  transaction  is  processed,  and  may  be  increased  by  an 
which  the  transaction  is  processed,  and  may  be  increased  by  an 
adjustment  factor  established  from  time  to  time  by  Visa®,  The  
adjustment  factor  established  from  time  to  time  by  Visa®,  The  
adjustment  factor  established  from  time  to  time  by  Visa®,  The  
adjustment  factor  established  from  time  to  time  by  Visa®,  The  
rate  used  on  the  processing  date  may  differ  from  the  rate  that 
rate  used  on  the  processing  date  may  differ  from  the  rate  that 
rate  used  on  the  processing  date  may  differ  from  the  rate  that 
rate  used  on  the  processing  date  may  differ  from  the  rate  that 
would  have  been  used  on  the  purchase  or  cardholder  statement 
would  have  been  used  on  the  purchase  or  cardholder  statement 
would  have  been  used  on  the  purchase  or  cardholder  statement 
would  have  been  used  on  the  purchase  or  cardholder  statement 
posting.  
posting.  
posting.  
posting.  

If you effect a transaction at a merchant that settles in a currency 
other than U.S. dollars, VISA® will convert the charge into a U.S. 
dollar amount. Visa® will use its currency conversion rate used to 
determine  the  transaction  amount  in  U.S.  dollars  for  such 
transactions  is  generally  either  a  government  mandated  rate  or  a 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
which  the  adjustment  factor  established  from  time  to  time  by 
Visa®.  The  currency  conversion  rate  used  on  the  processing  date 
may  differ  from  the  rate  that  would  have  been  used  on  the 
purchase or cardholder statement posting date. 

If you effect a transaction at a merchant that settles in a currency 
other than U.S. dollars, VISA® will convert the charge into a U.S. 
dollar amount. Visa® will use its currency conversion rate used to 
determine  the  transaction  amount  in  U.S.  dollars  for  such 
transactions  is  generally  either  a  government  mandated  rate  or  a 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
which  the  adjustment  factor  established  from  time  to  time  by 
Visa®.  The  currency  conversion  rate  used  on  the  processing  date 
may  differ  from  the  rate  that  would  have  been  used  on  the 
purchase or cardholder statement posting date. 

If you effect a transaction at a merchant that settles in a currency 
other than U.S. dollars, VISA® will convert the charge into a U.S. 
dollar amount. Visa® will use its currency conversion rate used to 
determine  the  transaction  amount  in  U.S.  dollars  for  such 
transactions  is  generally  either  a  government  mandated  rate  or  a 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
which  the  adjustment  factor  established  from  time  to  time  by 
Visa®.  The  currency  conversion  rate  used  on  the  processing  date 
may  differ  from  the  rate  that  would  have  been  used  on  the 
purchase or cardholder statement posting date. 

If you effect a transaction at a merchant that settles in a currency 
other than U.S. dollars, VISA® will convert the charge into a U.S. 
dollar amount. Visa® will use its currency conversion rate used to 
determine  the  transaction  amount  in  U.S.  dollars  for  such 
transactions  is  generally  either  a  government  mandated  rate  or  a 
wholesale  rate  determined  by  Visa®  for  the  processing  cycle  in 
which  the  adjustment  factor  established  from  time  to  time  by 
Visa®.  The  currency  conversion  rate  used  on  the  processing  date 
may  differ  from  the  rate  that  would  have  been  used  on  the 
purchase or cardholder statement posting date. 

For each purchase transaction in a foreign currency that has been 
converted  into  a  U.S.  dollar  amount  by  Visa,  we  may  pass  along 
the Foreign Currency Conversion Fee in the amount provided to us 
by Visa. 

For each purchase transaction in a foreign currency that has been 
converted  into  a  U.S.  dollar  amount  by  Visa,  we  may  pass  along 
the Foreign Currency Conversion Fee in the amount provided to us 
by Visa. 

For each purchase transaction in a foreign currency that has been 
converted  into  a  U.S.  dollar  amount  by  Visa,  we  may  pass  along 
the Foreign Currency Conversion Fee in the amount provided to us 
by Visa. 

For each purchase transaction in a foreign currency that has been 
converted  into  a  U.S.  dollar  amount  by  Visa,  we  may  pass  along 
the Foreign Currency Conversion Fee in the amount provided to us 
by Visa. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the bill was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the bill was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the bill was correct. 

We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected  the  error  by  then.  Within  90  days,  we  must  either  correct  the 
error or explain why we believe the bill was correct. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount you question, including Interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount you question, including Interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount you question, including Interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question, or report you as delinquent. We can continue to bill you for the 
amount you question, including Interest charges, and we can apply any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question. 

If we find that we made a mistake on your bill, you will not have to pay 
any Interest charges related to any questioned amount. If we didn’t make 
a  mistake,  you  may  have  to  pay  Interest  charges,  and  you  will  have  to 
make up any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date that it 
is due. 

If we find that we made a mistake on your bill, you will not have to pay 
any Interest charges related to any questioned amount. If we didn’t make 
a  mistake,  you  may  have  to  pay  Interest  charges,  and  you  will  have  to 
make up any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date that it 
is due. 

If we find that we made a mistake on your bill, you will not have to pay 
any Interest charges related to any questioned amount. If we didn’t make 
a  mistake,  you  may  have  to  pay  Interest  charges,  and  you  will  have  to 
make up any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date that it 
is due. 

If we find that we made a mistake on your bill, you will not have to pay 
any Interest charges related to any questioned amount. If we didn’t make 
a  mistake,  you  may  have  to  pay  Interest  charges,  and  you  will  have  to 
make up any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date that it 
is due. 

If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your  bill. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between us 
when it finally is. 

If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your  bill. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between us 
when it finally is. 

If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your  bill. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between us 
when it finally is. 

If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write to us within ten days telling us that you still refuse to pay, we must 
tell  anyone  we  report  you  to  that  you  have  a  question  about  your  bill. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between us 
when it finally is. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your bill was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your bill was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your bill was correct. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50.00  of  the 
questioned amount, even if your bill was correct. 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

Special Rule for Credit Card Purchases 

If you have a problem with the quality of property or services that you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If you have a problem with the quality of property or services that you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If you have a problem with the quality of property or services that you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

If you have a problem with the quality of property or services that you 
purchased with a 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  property  or  services.  There  are  two 
limitations on this right: 

Interest Rates and Interest Charges 
Interest Rates and Interest Charges 
Interest Rates and Interest Charges 
Interest Rates and Interest Charges 
Annual 
Annual 
Annual 
Annual 
13.9% 
13.9% 
13.9% 
13.9% 
Percentage 
Percentage 
Percentage 
Percentage 
Rate (APR) for 
Rate (APR) for 
Rate (APR) for 
Rate (APR) for 
Purchases 
Purchases 
Purchases 
Purchases 
APR for 
APR for 
APR for 
APR for 
Balance 
Balance 
Balance 
Balance 
Transfers 
Transfers 
Transfers 
Transfers 
APR for Cash 
APR for Cash 
APR for Cash 
APR for Cash 
Advances 
Advances 
Advances 
Advances 
How to Avoid 
How to Avoid 
How to Avoid 
How to Avoid 
Paying Interest 
Paying Interest 
Paying Interest 
Paying Interest 
on Purchases 
on Purchases 
on Purchases 
on Purchases 

13.9% 
13.9% 
13.9% 
13.9% 

13.9% 
13.9% 
13.9% 
13.9% 

Minimum 
Minimum 
Minimum 
Minimum 
Interest Charge 
Interest Charge 
Interest Charge 
Interest Charge 
For Credit 
For Credit 
For Credit 
For Credit 
Card Tips from 
Card Tips from 
Card Tips from 
Card Tips from 
the Consumer 
the Consumer 
the Consumer 
the Consumer 
Financial 
Financial 
Financial 
Financial 
Protection 
Protection 
Protection 
Protection 
Bureau 
Bureau 
Bureau 
Bureau 
Fees 
Fees 
Fees 
Fees 
Annual Fee 
Annual Fee 
Annual Fee 
Annual Fee 
Transaction Fees 
Transaction Fees 
Transaction Fees 
Transaction Fees 

•  Balance Transfer 
•  Balance Transfer 
•  Balance Transfer 
•  Balance Transfer 
•  Foreign Currency 
•  Foreign Currency 
•  Foreign Currency 
•  Foreign Currency 
Conversion    
Conversion    
Conversion    
Conversion    

•  Cash Advance 
•  Cash Advance 
•  Cash Advance 
•  Cash Advance 

Your due date is at least 25 days after the close 
Your due date is at least 25 days after the close 
Your due date is at least 25 days after the close 
Your due date is at least 25 days after the close 
of each billing cycle.  We will not charge you 
of each billing cycle.  We will not charge you 
of each billing cycle.  We will not charge you 
of each billing cycle.  We will not charge you 
interest on purchases if you pay your entire 
interest on purchases if you pay your entire 
interest on purchases if you pay your entire 
interest on purchases if you pay your entire 
balance by the due date each month. 
balance by the due date each month. 
balance by the due date each month. 
balance by the due date each month. 
If you are charged interest, the charge will be no 
If you are charged interest, the charge will be no 
If you are charged interest, the charge will be no 
If you are charged interest, the charge will be no 
less than $.50. 
less than $.50. 
less than $.50. 
less than $.50. 
To learn more about factors to consider when 
To learn more about factors to consider when 
To learn more about factors to consider when 
To learn more about factors to consider when 
applying for or using a credit card, visit the 
applying for or using a credit card, visit the 
applying for or using a credit card, visit the 
applying for or using a credit card, visit the 
website of the Consumer Financial Protection 
website of the Consumer Financial Protection 
website of the Consumer Financial Protection 
website of the Consumer Financial Protection 
Bureau at 
Bureau at 
Bureau at 
Bureau at 
http://www.consumerfinance.gov/learnmore. 
http://www.consumerfinance.gov/learnmore. 
http://www.consumerfinance.gov/learnmore. 
http://www.consumerfinance.gov/learnmore. 

None 
None 
None 
None 

None 
None 
None 
None 
Up to 1% of each 
Up to 1% of each 
Up to 1% of each 
Up to 1% of each 
transaction converted to 
transaction converted to 
transaction converted to 
transaction converted to 
U.S. dollars. 
U.S. dollars. 
U.S. dollars. 
U.S. dollars. 
Either $5 or 3% of the 
Either $5 or 3% of the 
Either $5 or 3% of the 
Either $5 or 3% of the 
amount of each cash 
amount of each cash 
amount of each cash 
amount of each cash 
advance, whichever is 
advance, whichever is 
advance, whichever is 
advance, whichever is 
greater. 
greater. 
greater. 
greater. 

Penalty Fees 
Penalty Fees 
Penalty Fees 
Penalty Fees 

•  Late Fee 
•  Late Fee 
•  Late Fee 
•  Late Fee 
•  Returned Payment 
•  Returned Payment 
•  Returned Payment 
•  Returned Payment 

Up to $25 
Up to $25 
Up to $25 
Up to $25 
Up to $25 
Up to $25 
Up to $25 
Up to $25 

(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
(a)   You  must  have  made  the  Purchase  in  your  home  state  or,  if  not 
within your home state, within 100 miles of  your current mailing 
within your home state, within 100 miles of  your current mailing 
within your home state, within 100 miles of  your current mailing 
within your home state, within 100 miles of  your current mailing 
address; and 
address; and 
address; and 
address; and 

Other Fees 
Other Fees 
Other Fees 
Other Fees 

•  Account Handling Fee 
•  Account Handling Fee 
•  Account Handling Fee 
•  Account Handling Fee 

(b)  The Purchase price must have been more than $50.00. 

(b)  The Purchase price must have been more than $50.00. 

(b)  The Purchase price must have been more than $50.00. 

(b)  The Purchase price must have been more than $50.00. 

These limitations do not apply if we own or operate the merchant, or if 
we mailed you the advertisement for the property or services. 

These limitations do not apply if we own or operate the merchant, or if 
we mailed you the advertisement for the property or services. 

These limitations do not apply if we own or operate the merchant, or if 
we mailed you the advertisement for the property or services. 

These limitations do not apply if we own or operate the merchant, or if 
we mailed you the advertisement for the property or services. 

•  Statement Copy Fee 
•  Statement Copy Fee 
•  Statement Copy Fee 
•  Statement Copy Fee 
•  Reinstatement Fee 
•  Reinstatement Fee 
•  Reinstatement Fee 
•  Reinstatement Fee 
•  Lost/Stolen Replacement 
•  Lost/Stolen Replacement 
•  Lost/Stolen Replacement 
•  Lost/Stolen Replacement 
Card Fee 
Card Fee 
Card Fee 
Card Fee 

$25-If it is necessary to 
$25-If it is necessary to 
$25-If it is necessary to 
$25-If it is necessary to 
place restrictions on 
place restrictions on 
place restrictions on 
place restrictions on 
account 
account 
account 
account 
$2.50 per page 
$2.50 per page 
$2.50 per page 
$2.50 per page 
$25 
$25 
$25 
$25 
$5 
$5 
$5 
$5 

How We Will Calculate Your Balance: We use a method called 
How We Will Calculate Your Balance: We use a method called 
How We Will Calculate Your Balance: We use a method called 
How We Will Calculate Your Balance: We use a method called 
“average daily balance (including new purchases).” 
“average daily balance (including new purchases).” 
“average daily balance (including new purchases).” 
“average daily balance (including new purchases).” 

Billing Rights: Information on your rights to dispute transactions 
Billing Rights: Information on your rights to dispute transactions 
Billing Rights: Information on your rights to dispute transactions 
Billing Rights: Information on your rights to dispute transactions 
and how to exercise those rights is provided in your account 
and how to exercise those rights is provided in your account 
and how to exercise those rights is provided in your account 
and how to exercise those rights is provided in your account 
agreement 
agreement 
agreement 
agreement 
The information about costs of the card described in this application 
The information about costs of the card described in this application 
The information about costs of the card described in this application 
The information about costs of the card described in this application 
is accurate as of 3/12.  The information may have changed after this 
is accurate as of 3/12.  The information may have changed after this 
is accurate as of 3/12.  The information may have changed after this 
is accurate as of 3/12.  The information may have changed after this 
date.  To find out what may have changed, write us at: PO Box 
date.  To find out what may have changed, write us at: PO Box 
date.  To find out what may have changed, write us at: PO Box 
date.  To find out what may have changed, write us at: PO Box 
6000, Brookings, SD  57006. 
6000, Brookings, SD  57006. 
6000, Brookings, SD  57006. 
6000, Brookings, SD  57006. 

21. 

21. 

21. 

21. 

Illegal  Transactions.  Your  Card  and  Account  may  be  used  only 
for valid and lawful purposes. If you use, or allow someone else to 
use  your  Card  and  Account  for  any  other  purpose  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. 

Illegal  Transactions.  Your  Card  and  Account  may  be  used  only 
for valid and lawful purposes. If you use, or allow someone else to 
use  your  Card  and  Account  for  any  other  purpose  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. 

Illegal  Transactions.  Your  Card  and  Account  may  be  used  only 
for valid and lawful purposes. If you use, or allow someone else to 
use  your  Card  and  Account  for  any  other  purpose  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. 

Illegal  Transactions.  Your  Card  and  Account  may  be  used  only 
for valid and lawful purposes. If you use, or allow someone else to 
use  your  Card  and  Account  for  any  other  purpose  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. 

YOUR BILLING RIGHTS   
YOUR BILLING RIGHTS   
YOUR BILLING RIGHTS   
YOUR BILLING RIGHTS   
KEEP THIS NOTICE FOR FUTURE USE 
KEEP THIS NOTICE FOR FUTURE USE 
KEEP THIS NOTICE FOR FUTURE USE 
KEEP THIS NOTICE FOR FUTURE USE 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act. 

Notify Us In Case of Errors or Questions About Your Bill 

Notify Us In Case of Errors or Questions About Your Bill 

Notify Us In Case of Errors or Questions About Your Bill 

Notify Us In Case of Errors or Questions About Your Bill 

If you think your bill is wrong, or if you need more information about a 
transaction  on  your  bill,  write  us  [on  a  separate  sheet]  at  the  address 
listed on your bill. Write to us as soon as possible. We must hear from 
you  no  later  than  60  days  after  we  sent  you  the  first  bill  on  which  the 
error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

If you think your bill is wrong, or if you need more information about a 
transaction  on  your  bill,  write  us  [on  a  separate  sheet]  at  the  address 
listed on your bill. Write to us as soon as possible. We must hear from 
you  no  later  than  60  days  after  we  sent  you  the  first  bill  on  which  the 
error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

If you think your bill is wrong, or if you need more information about a 
transaction  on  your  bill,  write  us  [on  a  separate  sheet]  at  the  address 
listed on your bill. Write to us as soon as possible. We must hear from 
you  no  later  than  60  days  after  we  sent  you  the  first  bill  on  which  the 
error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

If you think your bill is wrong, or if you need more information about a 
transaction  on  your  bill,  write  us  [on  a  separate  sheet]  at  the  address 
listed on your bill. Write to us as soon as possible. We must hear from 
you  no  later  than  60  days  after  we  sent  you  the  first  bill  on  which  the 
error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

In your letter, give us the following information: 
In your letter, give us the following information: 
In your letter, give us the following information: 
In your letter, give us the following information: 
•  Your name and account number. 
•  Your name and account number. 
•  Your name and account number. 
•  Your name and account number. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  The dollar amount of the suspected error. 
•  Describe the error and explain, if you can, why you believe there 
•  Describe the error and explain, if you can, why you believe there 
•  Describe the error and explain, if you can, why you believe there 
•  Describe the error and explain, if you can, why you believe there 
is  an  error.  If  you  need  more  information  describe  the  item  you 
is  an  error.  If  you  need  more  information  describe  the  item  you 
is  an  error.  If  you  need  more  information  describe  the  item  you 
is  an  error.  If  you  need  more  information  describe  the  item  you 
are not sure about. 
are not sure about. 
are not sure about. 
are not sure about. 

If you have authorized us to pay your credit card bill automatically from 
your  savings  or  checking  account,  you  can  stop  the  payment  on  any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card bill automatically from 
your  savings  or  checking  account,  you  can  stop  the  payment  on  any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card bill automatically from 
your  savings  or  checking  account,  you  can  stop  the  payment  on  any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur. 

If you have authorized us to pay your credit card bill automatically from 
your  savings  or  checking  account,  you  can  stop  the  payment  on  any 
amount you think is wrong. To stop the payment your letter must reach 
us  three  business  days  before  the  automatic  payment  is  scheduled  to 
occur.