NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES       uilding a successful financial When you use the... plan takes the right resources. That's why we work hard to é Pinnacle Bank jarnber FOIC   provide you with quality financial services Visa® or Visa® Gold Credit Card for and products. Like our convenient, the purchase of goods or services, the following benefits are yours at no flexible Visa® & Visa® Gold Credit Cards. additional cost.   it’s accepted at thousands of jocations TRAVEL ACCIDENT INSURANCE You, your spouse and dependent children up to age 19 (age 25 ifa full-time worldwide for just about any type of student at any institute af higher learning) are automatically covered with common carrier travel accident insurance every time you travel by air, bus, purchase you can dream u p. Our card train, ship, taxi, or any ather common cartier anywhere in the world when . . . you charge your entire fare to aur card. This coverage is provided to you at comes with the personal, friendly service NO EXTRA COST, Not FO‘C insured, Not insured by any Federal Gavernment Agency, Not 4 Deposit, Not Guaranteed by the Bank, May go down in value.     you've come to expect from us. So, With Visa® OT OY Ra er Ko Le Et   whatever your plans, choose the credit BASIC ADVANTAGE . + Travel Reservation Service + Quarterly Newsletter card that gives you all the value and «Bonus Travel Dividends + Auto Renal Discounts buyi + Eyewear Discounts + Pharmacy Discounts . uying power you need to get your These additional benefits are available upon registration: ‘ . + Key Registration Seevice + Payment Card Registration pro) ects off the d rawing board. Not FDIC Insured, Not Insured by any Federal Government Agency, Not a Deposit, Not Guaranteed by the Bank, May go down in value, LINCOLN, NE     S ake our credit card Apply for yours today! With Visa® Gold      COMPLETE ADVANTAGE + Travel Reservation Service + Pharmacy Discounts + Bonus Travel Dividends + Medical Assistance + Concierge Services + Quarterly Newsletter + Automobile Rental Insurance » Auto Reatat Discount + Personal Shopper + Luggage Insurance + Eyewear Discounts + Hotel-Motel Theft Insurance These additional benefits are available upan registration: + Key Registration Service + Payment Card Registration + Lost Luggage Locator Tag +, Not FOI insured, Not Insured by any Federal Government Agency, Nota LINCOLN, NE 68507-8904   BANKCARD DEPARTMENT 7000 ADAMS STREET POSTAGE WILL BE PAID BY ADDRESSEE with you wherever you go. Holy Taday!   BUSINESS REPLY MAIL   FIRST-CLASS MAIL PERMIT NO. 97         /e 6 Pinnacle Bank Deposit, Not Guaranteed by the Bank, May go down in vatue. na . id Member FOIC Pinnacle Bank Mambnae FDIC O7/t2 AAD                                 i]                                                         How We Will Catculate Your Balance: We use 2 method called avergge aly balance fc ow fo CXErcse Bitling Rights: Intonation on your rights lo dispute transactions and new purchases)”. An explanation of this method is orovided in your credit card agreement, e nights is provided in your cradit card agreement.                                                                           ; ; : ice: G1 Individual Account interest Rates and interest Charges Visa® Visa® Gold : CREDIT APPLICATION Check Account Cholce: 1 Joint Account q ' (Signature required far joint applicant) i . . : ep ey {see oo-applicant and signatures section) ry 3 ' Credit Limit Requested $ 2 Credil Line Increase Annual Percentage Rate (APR) for Purchases 15.99 % 10.99 Ye 1" Ghesk Card Choice DVisa* Classic DVisat Gott applicant does not quafty for a Visa‘ Gold. a Visa" Classic may be substituled Fixed Fixed 1 IMPORTANT INFORMATION ASQUT PROCEDURES FOR GPENING A NEW ACCOUNT: To help the gavemment fight the funding af terrorism and money la activities, Federal laws requic all financial | insilufions lo obtain, verily und record int ion that identifies each persan who pans an Accovat, Whal this means lo you! Whan you open an ACcOUnL we WH ask lor your nama, address, date of birth, and other APR for Bal 1 ‘i 15.99% 40,99%, { _infoemation thal wall als us to identify you. We may 35a asi to seo your driver's hcensa.ac other identifying dacumens, R for Balance Transfers Fixed Fixed i Tast Name Fist ! Tie Social Secunty Number 45.99% 40.99% : Bate of Binh No. ol Dependents Home Prose Colt Phone Own Rent Ober Monthly Payment S APR for Cash Advances Fixed Fixed : to} i) aoa 4 , Curren Address City Stile Zp Code Hew Long (y1s} Penalty APR and When it Applies None : i Hailing Addrass (d diferent from above} City Sle 2p Code How Long (yrs) ; a7 F it oe ; Your due dale is al least 25 days after the close of each billing cycle. We will not charge you |: zak Pravious Address (i less Inan 2 years al present address) Cy Slate Zip Code How Long (yr3} Paying Interest interest on purchases if you pay your entire balance by the dué date each month. We will i Of begin charging interest on cash advances and/or balance transfers on the transaction date. 1 z Employer Sell Employed Work Phone How Long (ys) : og Yes DNo { ) Minimum Interest Charge None if ag [address PosttonOccupabon Woalhiy Gross Incorne $ - - , - : 3 . “ To lear more about factors lo consider when applying for or using a credit card, : ‘3 | Name and Address of Previous Employer (ittess than 2 years al present emplayer) Bowe Long ray . For Credit Card Tips from the Consumer Financial —_| visit the webs site of the Consumer Financial Protection Bureau al : 2 rotection Bureay hito/www.consumerfinance.govilearmmore. : 2 [aancectadinona income: income fiom alimony, child support or separate Amount per Month § : : Inaintenance need nol be revealed if it is nol ul ir ir Visa® Gold : Nearest Relative (Not Living Wilh You} Fame Mone Relabonship : Tost Name First Middle Soe Security Number Annual Fee None None ' :} gs Oate of Guth No. of Dependents Home Fone | ca Pree Sun Rent Ober Monthly Payment $ 1) 2 ; a Transaction Fees : ath Current Address City Stale ZipCode Haw Lang {y73) rio : ai Previous Address (it less than 2 years at present address) City Stata Zip Code How Long fyrs) + Balance Transfer 2.0% of the amount transferred. 1 | % : St Employer Sell Employed Work Phone How Lang (yrs) : ; Tes Gi No t 4} + Cash Advances 2.0% of the amount advanced ($2.00 minimum) : Addvess PositowOceunaton Manihty Gross Incarne S » Foreign Transaction 1.0% of each mulli-currency transaction in U. S. Dollars or i 2 5 a ess See erie nto Wh Aceounl s Cartes Seoul Harter Balance Mery Payren 0.80% of each single-currency iransaction in U.S, Dollars zi) So = 2, Bank Name & Starch Location Penalty Fees wil NIA ao PLEASE REAO THE FOLLOWING CAREFULLY BEFORE SIGNING: This slatement is submilied to oulain credi{ and Live certify thal all information herein is true and completa, Ive agree that + Lale Payment Ur t $25, 00 bo inquifies may be made to verify information and thal credit references or verification may bo gvén based on inquiries [tem olher parties, This offer is subject fo he credit policies of this institution, We y Blo . Ee aptes ta be nd by the terms and conditions of the cardholder agraamenl, a copy of which will be mailéd t8 the applicant il this application is granled, regeipt of such agreemant ard acceptance of such teems to be conclusively presumed by the apalicants use. if you intend to apply Yor joint cradil, the undersigned shall ba joinlly and severaty Gable foe any and all credit extended from tiraa to EY time. We may repad information aboul your account to the credit bureaus. Late payments, messed paymanls, or other delaults on your account may be reflected in your cradd ropodt * Over-the-Credit-Limit None O |x __ x _—— oo Swhatue Date Co-Applicant Signatine One rq 2 iy Upon approval, twish to bansler my oresenl balance on the credkl cord aecourtt(s) listed below 'o my new eradil cafd abcauL, rey + Returned Payment None oo a ! Credit Card Account Number Amount to be transferred $, ih z ° bal Signalure Please provide a capy ol your mosl recent slalement lo be transferred Other Fees z ay visa Account No. 5e5 . i ith a live representalive. No charge if processed He 4 ug Cale Approved Grea Line Approved By + Telepho: Fi $10.00 per occurrence if processed with a | phone Payment Fea through the aulomated syslem. B Pinnucty fink, Lircadit, ME OSSO2 ER FOLD AX SECURE WITH TAPE FOR MAING Apypliveiten C2 Fis" GUNS AGENT In ese Lil contents are acedrate at the time of printing, for changes that may have been meds after printing please call (800) 261-8852.  YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice talls you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statament, write to us at the address shown on your monthly billing statements. In your letier, giva us the following information: . ion: Your name and aecount number. * Dollar Amount: The dollar amount of the suspected error. © Description of Problem: Ifyou think there is an error.on your bill, describe what you believe is wrong and why you believe it is a mistake, You must contact us: * Within 40 days after the error appeared an your statement. * Atleast 3 business days belore an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notily us of any potential errors in writing for electronically). You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question, WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your latter, we must do two things; 1. Within 30 days after receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there hag been an enor: © We cannot try te collect the amount in question, or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge you interest on that amount, « While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apoly any unpaid amount against your credit limit. Alter we finish our invastigation, one of two things will happen: * Ifwe made a mistake: ‘You will not have to pay the amount in question or any interest or other dees ralated to that amount, * [fwe do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees, We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you de not Pay the amount we think you owe, If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reparting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as calinquent, and we must let those organizations know when the matter has been settled between us. Hf we do nat follow all of the rules above, you do not have to pay the first $50 of the amount in question, even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES Hf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not te pay the remaining amount due on the purchase, To use this tight, all of the fallowing must be true: 7. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than £50, (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the gooc's or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must nat yet have fully paid for the purchase. Hall of the criteria above are met anc you are still dissatisfied with the purchase, contact us in writing (or electronically) at the address shown on your monthly billing statement. While we investigate, the same rules apply to the disputed arnount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.       REV. 01/13 01.13_CREDITCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement. You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” “Us,” and “Our” mean Pinnacle Bank/ Bank of Colorado. “You” and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card” means each credit card we issue to you for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount of the transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a sales draft, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all arnounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account halder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immeciately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.C. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Untit you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission. D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you ta owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Interest Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime rate published in The Wall Street Journal on the first day of the prior month ("Prime Rate”). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the interest Charge due on your Account and may increase the Minimum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance" of purchases {including cash advances and/or balance transfers). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycte. i, GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without fosing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty if you do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S) You are responsible for promptly notifying us of a change in your name, address {including any e-mail address at which you agree to be contacted}, or telephone number(s) including any wireless telephone number(s). .