IN THE UNITED STATES: IF MAILED NG POSTAGE NECESSARY       Ih   bed edtob yb betty ullding a successful financtal plan takes the right resources. That’s why we work hard to   provide you with quality financial services and products. Like our convenient, flexible Visa® & Visa® Gold Credit Cards. It’s accepted at thousands of locations worldwide for just about any type of purchase you can dream up. Our card comes with the personal, friendly service you've come to expect from us, So, whatever your plans, choose the credlt card that gives you all the value and buying power you need to get your projects off the drawing board. Apply for yours today! When you use the.,, @ Pinnacle Bank Visa® or Visa® Gold Credit Card for the purchase of goods or services, the following benefits are yours! TRAVEL ACCIDENT INSURANCE You, yourspouse and dependent childrex up to age 19 (age 25 ia full-time student at any tastitute of higher fearaing) are automatically covered with conimon carcler travel accident Insurance every lime you travel by alr, bus, train, ship, taxl, or any other common. carder anywhere tn the world when you charge your entire fare to our card, This coverage Is provided te-you at NO EXTRA COST. Not FGIC Insured, Not insured by any Federal Government Agency, Nota Deposit, Not Guaranteed by the Bank, May go down In value, . SCORECARD® BONUS POINTS Far Sonus Points for every net retail purchase you make wilh our Pinnacle Bank Credit Cardl You can zedeem Bonus Potats for brand-fame merchandise and exciting travel awards. Visit www.scorecardrewards.com and brawse the Current award selectlans. You'll be amazed at what ScoreCard® has to olfer! To find out how the plan works, ask one of our ftlendly representatives, Your palnts are qood for 3 years from the date earned and will explre at that time if net redeemed. , With Visa®   ADVANTAGE - BASIC + Travel Reservation Service + Bonus Travel Dividends + Vislen Care Discounts + Key Registration + Prescription Discounts + Auto Rental Insurance Not FDIC Insured, Not Insured by any Federal Government Agency, Not a Deposit, Not Guaranteed by the Sank, May go down in value, + Payment Card Registration + Quarterly Newsleuer     BANKCARD DEPARTMENT 7000 ADAMS STREET LINCOLN, NE 68507-9904 With Visa® Gold ADVANTAGE « COMPLETE Travel Reservatlon Service * Quarterly Newsletter Sonus Travel Dividends + Key Registration Conclerge Services + Auto Rental Discount ‘ rons ae + Travel Protection ~ Lost Luggage Locator Service + Miston Care Discounts Prescription Discaunts ~ Lost or Damaged Luggage Medical Assistance Seevices Insurance &, * 6 Pinnacle Bank + Payment Card Registalion ~ Hotel-Motel Burglary Insurance   BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMITNO.97 UNCOLN, NE              Mambar FOtC Not FDIC Insured, Not Insured by any Federal Government Agency, Nata Deposit, Not Guaranteed by the Bank, May go down In value,       6 Pinnacle Bank mbar FOI viz SAAD   Interest Rates anil Interest Charges       7 CREDIT APPLICATION   Check Account Chelce: (Signature cequkad for }olol applicant)   G indiMidual Accovrl 1 Joint Account seo co-spplicanl and signalures suction)       : 15.99% 10.99% Annual Percentage Rate (APR) for Purchases A le , APR for Balance Transfers 15.00% 1.88 % L APR for Cash Advances 15.00% ‘0.89 M     Penalty APR and When it Applies None   Paylng Interest Your dua date Is at least 25 days after the close of sach billing cycle. We will not charge you Interest on retail purchases if you pay your entire balance by the due date. We will bagin charging interast on cash advancas and/or balance sransfers on tha transaction date.   Minimum Intarast Charge NIA   For Gredit Card Tips from the Consumer Financlal Protection Bureau Annual Fee      visit tna wab site of Iha Consur r 0                                                Transaction Fees * Balance Transfer * Gash Advances + Forelgn Transaction 2.0% of tha amount lranslerred. 2.0% of the amount advanced ($2.00 minlmum} 4.0% of each mul-cutrency transaction a U. $, Dallars of 0.80% of each single-currency transaction in U.S. Dollars                     Ponally Faas + Late Payment ' Over-ihe-Credlt-Limil * Relurned Payment Up to $25.00 None None                     Other Fees * Telephone Paymont Fee   $10.00 per occurrence if processed with a five representative. No charge if processed   {hrough the automated system,                                       Credil Limit Requested $ Credit Une Increase ‘Check Cand Choke ~— O Visa Visa" Gold IMPORTANT INFORMATION ABOUE PROCEDURES FOR OPENING A NEW ACCOUNT: Toielp the gavarement gh! the funding of terol: d y acthtdes, F require oll financial Inatitutons: lo ostaln, varity joartaton that Sderites aach parson who-opons an Account Whal fir mieens to you: When you opon am Account, va wll OFK lor your namo, addtoss, Gale of binh, god other glow us lo . Wem ask (p40 your driver's Heonso of othar Maalitng documents, ot Neo Firat | Nidda Sodel Security Huriber Dato of Birth No, of Dependonts flares Pone fe Fre on Real Saer Monihty Payment $ | Currenl Address Gy Sata Zip Code How Long (pra) i Holing Addruss 4 dfenant irom above) Cy Site Zp odo How Lowy (y78) a Pravious Address [if less thon 2 yousa at present address) Gty Stato ip Code How Long (v8) FI i Employsr Sol Ei Work Phone How rs a plays | Set Empbed Wot Long dra] :. Address PositonOceupation Woot Gross noone § # ‘ome ond Addrass of Provions Empioyor [il loss thon 2 yrore ot proson| omployer} How Long {y18) § Sourea of Addaional Income: Income from allmany, child support or saparale ‘Arsoun! por Berth J nol ba led tills 1 cometiared ppt i pa § Nearest Relative (Hel Uving With You) fore! Phone Relakonship Test Nama First Mido Soolal Securty Number pa Galo of Sith Ko. of Gspendents heaprene faa Browa Ou Beat Orne Monthly Paymoat § Z H Cunronl Aches Cily Stats Zip Code How Leng (yr) Be Previous Address (ifSata than 2 poate at present addross} Ciy Blnto ip Code Hew Long (yta} S 7 Self Tork Phone How Sap | Peeve | fties Gis. oo} tong bet Aadiass FositontOecupaticn Wonthly Gross income 5 o Rome and Address of Creditor Name under Wich Account Is Canted Agcount Humber Balance Honthly Payment 2) 4. Homme ortgaqa/enl is 2,.Bank Nama & Branch Location Bij NA 2 — “9 PLEASE READ THE FOLLOWING CAREFULLY SEFORE SIOHING: lain credit and Venn cactify Uhal all iofornation baraia bs true aad compile. [Wa agres that Tales may bo cade lo yadlty Information and thal caadil eferences ct varifical ry pared on , pers, The offar is subsect to tha credit polides of Lite iitututlon. wwe 20 Lo ba bound by ihe lars and comdivons ol tha cardholder agree men, a ogpy af which ‘willbe malted fo tho applica ni f ints oppricallon ts granted, cecoipl of such saceamanl and acceplanog ‘of auch forms to ba conclusively presumed by lhe apolicaat’s use. If you Intend Io epply lore ead, tha undorsigned shall bo Jointly acd seveveliy blo lor ang ond oll gedit oxionded trom Uma to F-4 nnn. We may rapart lnformavion about your account le-tho credit bureaus. Leta paymonis, missad paymants, or other dofauits on your: your cred repost. x x ia Dato. Salo Upon approval, Eeash fo Lanstar my presen bal abo crockt cord. ny 4 credit Card Amount la be vansierted $. Yiso Account Na, Credit Uno Approved By     FGL0 AND SECURE WITH TAPE FOR ATAILING Apyitceuton O2009 FS" OSI12   — How We Will Calculate Your Balance: We use-a molhod called “averaga dally betance” {including “sw purchases)" An oxplanaton of this malhod is providedin your accounl agreemant, and haw ge those rights Is p your agsounl ded In   Billing Rights: Information on your dghts to dispulo   Pinnacle Bank, Lincoln, NE 65529-9900 AGENT 10 #000000 Mi contents ere accurate atthe die of priming, for changes vit diay Nave bern mente after pring please call (800) 261-8852.YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and responsibilities under the Fair Credit Billing Act, WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT {Fyou think there is an error on your statement, write to us at the address shown on your monthly billing statement. In your fener, give us the following information: . igo Your name and account number. * Dollar Amourt: The dollar amount of the suspected error. * Desciptionof Problems Ifyou think there is an eoren your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: * Within 60 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required 1o investigate any potential errors and you may have to Pay the ammount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things: 1. Within 30 days after zecewing your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: + We cannot try to collect the ameunt 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 te pay the amount in question, you are responsible for the termainder of your balance. * We can apply any unpaid amoum against your credit limit. After we finish our investigation, one of two things will happen: * iwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. * iwe de not believe there wana mistake: You will have to pay the amount in question, afong with applicable interest and fees. We will send you a statement of the ammount you owe and the date payment is due. We may then report you as delinquent if you do not Pay the amnount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reponied you as delinquent, and we must let those organizations know when the matter has been settled between us. (f we do not follow all of the rufes above, you do not have to pay the first $50 of the amount in question, even if your bill s comect. YOUR RIGHTS IF YOU ARE CISSATISFHIED 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 ta correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Te use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit cand for the purchase. Purchases made with cash advances from an AFM or with a check that accesses your credit card account do not qualify. 2. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in waiting (or electronically) at the address shown on your monthly billing statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you de not pay, we may report you as delinquent       REV 02/13 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 etigible 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, Hf 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 amounts 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 immediately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.Cc. 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. Until 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 to 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. Fhe 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 cycle. 1. 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 losing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conferm 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 net 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 numbers).