Current Credit Card Agreements for New Personal Accounts 
              NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us at 
              (800) 996-2638 or send us a secured message through Online Banking with the subject line 
              �Credit Card Inquiry�. 
              For new personal accounts opened beginning 07/22/2016, the following Account 
              Opening Disclosures and Credit Card Agreements apply by the credit card type 
              received: 
              Platinum Credit Card 
              Interest Rates, Interest Charges, and Fees � 
              Platinum Card 
              Credit Card Agreement (Personal Accounts) 
              Platinum Rewards Credit Card 
              Interest Rates, Interest Charges, and Fees � Platinum 
              Rewards Card 
              Credit Card Agreement (Personal Accounts) 
                           � 
              World MasterCard Credit Card 
                                                        �
              Interest Rates, Interest Charges, and Fees �World MasterCard
                                                   � 
              Credit Card Credit Card Agreement (World MasterCard Credit 
              Card) 
                                               � 
              Wealth Management World Elite� MasterCard Credit Card 
              Interest Rates, Interest Charges, and Fees � Wealth Management World Elite� 
                      � 
              MasterCard Credit Card 
                                                              � 
              Credit Card Agreement (Wealth Management World Elite� MasterCard Credit Card) 
              Secured Credit Card 
              Interest Rates, Interest Charges, and Fees � 
              Secured Card 
              Secured Credit Card Agreement (Personal 
              Accounts) 
                                                                          
     
                      Interest Rates, Interest Charges, and Fees � Platinum Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                            After that, your APR will be 15.24% to 23.24%, based on your 
                            creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  15.24% to 23.24%, based on your creditworthiness. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies              
                            This APR may be applied to your account if your payment is more than 60 days past 
                            the Payment Due Date. 
                          
                            How Long Will the Penalty APR Apply? The Penalty APR will apply until you 
                            make six consecutive minimum payments when due beginning with the payment 
                            following the commencement of the Penalty APR. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
     Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees      
                           
        �  Balance Transfer  Either $5 or 3% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees          
      
        �  Late Payment   Up to $35 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $35 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
     Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement. 
        Continued on next page. 
     
      
                                                                          
     Late Payment fee for Iowa residents is $15. For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due, 
     the fee will be equal to the Minimum Payment Due. 
      
     Returned Payment fee for Iowa residents is $19.95. For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment 
     Due, the fee will be equal to the Minimum Payment Due. 
       
      In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
      
                                                                          
      
                   Interest Rates, Interest Charges, and Fees � Platinum Rewards Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months.    
     (APR) for Purchases 
                           
                              After that, your APR will be 16.24% to 23.24%, based on your     
                              creditworthiness. 
                           
                              This APR will vary with the market based on the Prime Rate.  
     APR for Balance Transfers  16.24% to 23.24%, based on your creditworthiness. 
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment  
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month.  We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the  Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/.  
      
     Fees 
     Annual Fee           None 
     Transaction Fees      
                           
        �  Balance Transfer   Either $5 or 3% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction   3% of the U.S. Dollar amount of each such transaction.  
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (Varies by State.  See next page for details.).  
                           
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).�  See your Credit Card Agreement for more details. 
      
     Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date. 
       
      Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
      Credit Card Agreement.   
     Continued on next page. 
                                                                                  
                                                                          
      
     Late Payment fee for Iowa residents is $15.  For other states the fee is $25 for the first violation and $35 for each 
      subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, 
      the fee will be equal to the Minimum Payment Due. 
       
      Returned Payment fee for Iowa residents is $19.95.  For other states the fee is $25 for the first violation and $35 for each 
      subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment 
      Due, the fee will be equal to the Minimum Payment Due. 
       
      In South Dakota, Bank of the West operates under the name of Bank of the West California. 
       
      
                                                                                  
     
                                                                                   
                                                   CREDIT CARD AGREEMENT  
                                                                       (Personal Accounts) 
                                             
                                        ?
     By requesting or accepting any  Platinum  MasterCard ,  increased by the amount of the overpayment nor will we be 
              ?                       ?
    Platinum Visa ,  Platinum  Rewards  MasterCard , or  required to authorize transactions for an amount in excess 
                   ?
     Platinum Rewards Visa  account (individually or collectively  of your Credit Limit. 
    called �Credit Card account� or �Account�) with Bank of the  3. Temporary Reduction of Credit Limit.  Merchants, 
    West, you agree to be bound by all the terms of this  such as car rental companies and hotels, may request prior 
    Agreement. In this Agreement, the words �you� or �your�  credit approval from us for an estimated amount of your 
    mean everyone who has requested or accepted a Credit  Purchases, even if you ultimately do not pay by credit. If our 
    Card account with us. The words �we,� �us,� �our,� or �Bank�  approval is granted, your available Credit Limit will 
    mean Bank of the West.  If you do not accept this  temporarily be reduced by the amount authorized by us.  If 
    Agreement, you must notify us in writing within 5 days after  you do not ultimately use your Credit Card account to pay 
    receipt.  Use of your card or any feature (including a balance  for your Purchases or if the actual amount of Purchases 
    transfer) of your  Credit Card Agreement shall  constitute  posted to your Credit Card account varies from the 
     acceptance of this Agreement.           estimated amount approved by us, it is the responsibility of 
      1. Use.  Your Platinum MasterCard, Platinum Visa,  the merchant, not us, to cancel the prior credit approval 
    Platinum Rewards MasterCard, or Platinum Rewards Visa  based on the estimated amount. The failure of the merchant 
     card (individually or collectively called �Card�) may be used  to cancel a prior credit approval may result in a temporary 
     as a credit card for purchases of goods or services from  reduction of your available Credit Limit, but will not increase 
     participating merchants (�Purchases�) or to get Cash  the amount you owe us under this Agreement. 
     Advances from us or any other financial institution displaying  4. Agreement to Pay. When you use your Card or Credit 
     the �MasterCard� or �Visa� logo, or to purchase certain items  Card account, or when you permit anyone to use it, you 
     such as traveler's cheques, foreign currency, money orders,  agree to pay the amount of any and all transactions 
     wire transfers, lottery tickets, and (except as noted below)  (including any which may have been made in violation of this 
     funds to be used for wagers or gambling (all of which are  Agreement), and the INTEREST CHARGES, and fees that 
     collectively referred to as �Cash Advances�) up to your  may become due as shown on the periodic statement. You 
     Credit Limit; provided, however, you may not use your Card  agree that we may change or cancel your Credit Card 
     (i) to make Purchases or obtain Cash Advances for any  Account at any time without affecting your obligation to pay 
     illegal transaction, or (ii) for any internet or online gambling  the amounts that you owe under this Agreement.  
     transactions.  Transactions for online or internet gambling  5. Periodic Statement. Each month we will send you a 
     will not be approved.  If you use your Card for any illegal or  periodic statement for each Credit Card account you have 
     prohibited transaction, this Agreement also applies to such  with us covering the previous billing period. We may not 
     transaction and you agree to pay any and all amounts  send you a statement if your balance is less than $1 and 
     related to such transaction pursuant to the terms of this  there were no transactions during the billing period. The 
     Agreement. We may, in our sole discretion, restrict the use  statement will have a �Statement Period Date�, �Statement 
     of or terminate your Card if we notice excessive use of your  Closing Date� and a �Payment Due Date,� and will show, 
     Card or other suspicious activities or if we reasonably  among other things, your �Previous Balance,� your �New 
     believe the Card is or has been used for one or more illegal  Balance,� and your minimum monthly payment, which will be 
     or prohibited transactions. You can also obtain a Cash  shown as �Minimum Payment Due.� 
     Advance by writing a special MasterCard or Visa check  6. Payment. You must make a payment by the �Payment 
     (�Convenience Check�).  The Cash Advance will be posted  Due Date.� You have two choices: You may pay the entire 
     to your Credit Card account when the Convenience Check  �New Balance� or you may pay in installments by paying at 
     reaches us. If you stop payment on a Convenience Check,  least the �Minimum Payment Due.� When your payment is 
     your Credit Card account will be charged $16.00 (or as  properly received, we will allocate your payment in a manner 
     permitted by law) for each stop payment. We may designate  we determine except as otherwise required by law.  The 
     that only a portion of your Credit Limit is available for Cash  Minimum Payment is applied first to fees, then to 
     Advances. In addition, you may request that we pay other  INTEREST CHARGES and finally to principal. We apply the 
     creditors on your behalf and transfer approved amounts to  Minimum Payment to balances with lower APRs, including 
     your Account (�Balance Transfers�).     introductory APRs, before balances with higher APRs. 
      Your Card may also be used in certain automated  Payments made in excess of the Minimum Payment will be 
     terminals to gain access to your Credit Card accounts. We  applied first to balances with the highest Annual Percentage 
     have no responsibility for the failure of any machine,  Rate and then to each successive balance bearing the next 
     merchant, financial institution, or any other party to honor  highest Annual Percentage Rate.  
     your Card. Your Card and Credit Card account may be used    Payments must be mailed to the BankCard Center 
     only for valid and lawful purposes. If you use or allow  address specified in your periodic statement. Payments 
     someone else to use the Card or Credit Card account for  must reach our BankCard Center during our regular 
     any other purpose, you will be responsible for such use and  business day in order to be credited on that date.  Payments 
     may be required to reimburse us for all amounts or  received after the cutoff times of 5:00 p.m. PT are credited 
     expenses we pay as a result of such use.  as of the following business day. If you make a payment by 
      2. Credit Limit.  We will notify you of the Credit Limit for  any means other than mail to our BankCard Center crediting 
     each Credit Card account you have with us. You agree that  of the payment may be delayed.  If you fail to properly make 
     your total charges, including Purchases, Cash Advances,  payments, crediting such payments may be delayed. Your 
     Balance Transfers, INTEREST CHARGES, and fees that  total available credit may not be restored for up to 15 days 
     may be due will not exceed your Credit Limit. If you do go  after we receive your payment.    
     over your Credit Limit, you must repay the excess amount    If a payment is returned to us for any reason, we may 
     immediately, and we may reduce the available Credit Limit  apply a Returned Payment Fee of $25 for the first violation 
     of any other Credit Card account you have with us until such  and $35 for each subsequent violation within the next six 
     time the excess amount is repaid. You may apply to  billing cycles. The Returned Payment Fee for Iowa residents 
     increase your Credit Limit at any time but we are not  is $19.95.  If the Returned Payment Fee is greater than the 
     obligated to increase your Credit Limit at any time.  Minimum Payment Due, the fee will be equal to the 
     Furthermore, we reserve the right to lower your Credit Limit  Minimum Payment Due.  
     at any time. For security reasons, we may limit the number    From time to time, we may let you skip or reduce one or 
     or amount of transactions that may be accomplished with  more monthly payments during a year and/or we may 
     your Card or Credit Card account, and we have the right to  temporarily reduce or eliminate certain  INTEREST 
     limit authorizations to make transactions if we consider it  CHARGES on all or a portion of your Credit Card account 
     necessary to verify Payments received on your Credit Card  balance or offer you other special terms. If we do, we will 
     account.  If we accept a payment from you in excess of your  advise you of the scope and duration of the applicable skip 
     outstanding balance, your available Credit Limit will not be  or promotional feature. When the skip or promotional 
    M-118007 
    BW-CCAG (REV.  07/2016)  
     
      
    feature ends, your regular rates and all the terms of the  and Balance Transfers on your Platinum Rewards Credit 
    Agreement will resume.                  Card account is based on a variable rate equal to the sum of 
      7. Minimum Payment- Late Payment Fee. At least the  the Current Index plus a �Rate Spread� of 12.74 to 19.74 
     amount of the �Minimum Payment Due� must be received by  percentage points, based on your creditworthiness.  The 
     us by the �Payment Due Date.� If it is not, we may apply a  interest rate for Purchases (after the Introductory Period) 
     Late Payment fee of $25 for the first violation and $35 for  and Balance Transfers on your Platinum Credit Card 
     each subsequent violation within the next six billing cycles.   account is based on a variable rate equal to the sum of the 
     The Late Payment fee for Iowa residents is $15.  If the Late  Current Index plus a �Rate Spread� of  11.74 to 19.74 
     Payment fee is greater than the Minimum Payment Due, the  percentage points, based on your creditworthiness. The 
     fee will be equal to the Minimum Payment Due.  If such  interest rate for Cash Advances on your Account is based 
     charge would result in an INTEREST CHARGE greater than  on a variable rate equal to the sum of the Current Index plus 
     the maximum allowed by law, we will only charge the  a �Rate Spread� of 21.74 percentage points. Immediately 
     maximum allowable rate. Your Minimum Payment Due will  before each Change Date we will determine the new interest 
     be 3% of the New Balance plus any Late Payment fee (with  rate by adding the Rate Spread to the Current Index. The 
     a minimum of the lesser of $25 or your New Balance) and  new interest rate will become effective at the start of your 
     any amount over your credit limit and past due amount.  first billing cycle after the Change Date. Only one Annual 
                                            Percentage Rate and Daily Periodic Rate will be in effect for 
      8. How to Avoid Paying Interest on Purchases. There 
                                            each Balance Category during the billing period. The Annual 
     may be different treatment of  INTEREST CHARGES for 
                                            Percentage Rate will not exceed the maximum rate 
     Purchases, Balance Transfers, and Cash Advances, even 
                                            permitted by law. The effect of any increase in the Annual 
     though they are computed the same way. You may avoid 
                                            Percentage Rate and the Daily Periodic Rate would be to 
     paying an INTEREST CHARGE on Purchases if we receive 
                                            increase the amount of INTEREST CHARGE or interest you 
     the entire New Balance by the Payment Due Date. If we do 
                                            must pay and thus increase your monthly payments. 
     not receive the entire New Balance by the Payment Due 
                                             10. Transaction Fees. You also agree to pay us the 
     Date, the INTEREST CHARGE will be charged on the 
                                            appropriate fees listed below (as permitted by applicable 
     Purchases from the date of the transaction.  INTEREST 
                                            law) which may be amended from time to time by us. You 
     CHARGES on all other balances, including Cash Advances 
                                            authorize us to charge your Credit Card account for the 
     and Balance Transfers, begin on the transaction date and 
                                            following fees due to us. Balance Transfer fee: 3.00% of 
     will be assessed even if your entire New Balance is paid by 
                                            each balance transferred, $5 minimum. Cash Advance fee: 
     the Payment Due Date. 
                                            4.00% of each Cash Advance, $10 minimum.  
      9. Computing Your INTEREST CHARGE. We figure the 
                                             11.   Foreign  Transaction  Fee. Transactions that you 
     INTEREST CHARGE on each Credit Card account by 
                                            make in a foreign currency or that you make outside of the 
     applying the periodic rate to the �Average Daily Balance� of 
                                            United States of America even if it is made in U.S. dollars 
     each Balance Category on the Credit Card account, 
                                            are considered foreign transactions.  If you make  a 
     including current transactions. Balance Categories include 
                                            transaction in a foreign currency it will be billed to you in 
     Purchases, Balance Transfers, Cash Advances, 
                                            U.S. Dollars. The conversion rate to U.S. Dollars will be 
     Introductory Rates and any special rate offers we may make 
                                            determined by Visa International or MasterCard International 
     available from time to time.  If you are charged interest, the 
                                            in accordance with their operating regulations or conversion 
     charge will be no less than $1.00 (the minimum interest 
                                            procedures in effect at the time the transaction is 
     charge will appear as �Minimum Charge� in the fees section 
                                            processed. Currently, their regulations and procedures 
     of your statement).  
                                            provide that the currency conversion rate they use is either 
       a. Average Daily Balance.  To obtain the daily balance 
                                            (1) a government-mandated rate or (2) a wholesale market 
    for each Balance Category we take the beginning balance 
                                            rate, whichever is applicable, in effect one day prior to the 
    each day and add new transactions applicable to each 
                                            processing date. We do not determine the currency 
    category, and subtract any payments, credits, and refunds 
                                            conversion rate which is used.  You agree to pay the 
    applied to the category.  To figure your Average Daily 
                                            converted amount in U.S. funds. In addition, Visa or 
    Balance for each Balance Category, we add all your daily 
                                            MasterCard will charge us (the Bank) an international 
    balances and divide by the number of days in the billing 
                                            transaction fee, currently equal to one percent (1.00%) of 
    period. 
                                            the transaction amount. We will charge you the international 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            transaction fee imposed on us plus an additional  two 
    INTEREST CHARGE for each Balance Category by 
                                            percent (2.00%) of the transaction amount whether that 
    multiplying these Average Daily Balances by the applicable 
                                            transaction was originally made in U.S. dollars or was made 
    Daily Periodic Rate, and then we multiply the result by the 
                                            in another currency and converted to U.S. dollars.  These 
    number of days in the billing period. To determine the Daily 
                                            two fees will be aggregated and shown as one  Foreign 
    Periodic Rate for each Balance Category, we divide the 
                                            Transaction Fee on your statement. 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                              12. Other Fees. As allowed by law, we may charge, and 
    billing period by 365 (366 for leap year). The way we get the 
                                            you agree to pay, fees for certain services or requests made 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                            by you, such as but not limited to: Automated Teller Machine 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                            (�ATM�) transactions conducted at machines not operated 
       c.  Fixed Rate. For the first six months (�Introductory 
                                            by us, requests for copies of billing statements, sales drafts, 
    Period�) your interest rate for Purchases on your Account is 
                                            or other records of your Account, or if you request a 
    equal to 0.00% APR; thereafter, your interest rate for 
                                            replacement card(s).  However, we will not charge fees for 
    Purchases will apply.  There is no introductory rate for 
                                            copies of documents requested for a billing dispute.  These 
    Balance Transfers or Cash Advances.  
                                            fees may change from time to time.  We will inform you of 
       d. Variable Rate. The current Annual Percentage Rate 
                                            the fee(s) that you will incur prior to when the applicable 
    for all variable rates  is  shown on the Account Opening 
                                            service(s) is(are) provided or when you make the request(s), 
    Disclosure which has been provided to you with this 
                                            as applicable. You authorize us to charge your Credit Card 
    Agreement. The Daily Periodic Rate and the corresponding 
                                            account for any such fees that you incur. We reserve the 
    Annual Percentage Rate may change each month on the 
                                            right to waive a fee from time to time but a waiver does not 
    first day of each of your billing cycles. Each date on which 
                                            mean we will continue to waive such fee in the future.  
    the rate of interest could change is called a �Change Date.� 
                                               13.  Default. We may declare the entire balance for all 
    Changes will be based on changes in the �Index.� The Index 
                                            Credit Card accounts due and payable at once with or 
    is the highest Prime Rate published in the �Money Rates� 
                                            without notice or demand if any of these events (a �Default�) 
    table of The Wall Street Journal. If the Index is no longer 
                                            happens: 
    available, we will choose a new index which is based upon 
                                               a. If you miss a payment under this Agreement or any 
    comparable information and will give you notice of our 
                                            other obligation you owe us; or 
    choice. The Index figure published on the second Tuesday 
                                               b. If you violate any terms of this Agreement. 
    (or on the next business day if the second Tuesday is a 
                                               If you are in Default, we may terminate your Credit Card 
    holiday) each month is called the �Current Index.� The 
                                            account, make no more additional loans, and require you to 
    interest rate for Purchases (after the Introductory Period) 
    M-118007 
    BW-CCAG (REV.  07/2016)  
     
      
    immediately repay the entire unpaid balance of all amounts  15. Lost or Stolen Card; Your Liability for 
    due on your Credit Card account, including but not limited to  Unauthorized Use. Tell us AT ONCE if you believe your 
    all loan amounts, late charges and other charges assessed  Card has been lost or stolen. Telephoning is the best way of 
    but not paid, and all of the INTEREST CHARGES accrued  keeping your possible losses down. 
     but not paid. If we terminate your Credit Card account, your  You may be liable for the unauthorized use of your Card 
     obligation to repay the amounts you already owe us would  as a credit card. You will not be liable for unauthorized use 
     continue.                              of your Card as a credit card which occurs after you notify 
       At our option, we may also take action short of  us at the telephone number or address stated in paragraph 
     terminating your Credit Card account. If your required  16, orally or in writing, of loss, theft, or possible unauthorized 
     minimum payment (shown on your periodic statement as  use. In any case, your liability for unauthorized use of your 
    �Minimum Payment Due�) is not received within 60 days of  Card as a credit card will not exceed $50.00. 
    the Payment Due Date, your ANNUAL PERCENTAGE  16.  Where to Call or Write. If you believe your Card has 
    RATE for all balances will be a variable rate equal to the  been lost or stolen or that someone is using your Card or 
    sum of the Current Index plus a �Rate Spread� of 26.74  Credit Card account without your permission, call: 
    percentage points (Penalty Rate). You will be provided with  1-800-996-2638 (for TTY/TDD call 1-800-659-5495) or write 
    a notice 45 days in advance of the effective date of the  to: Bank of the West, BankCard Security Department, PO 
    change in Annual Percentage Rate.  Your payments under  Box 2078, Omaha, NE 68103-2078. 
    this Agreement, including the amount of the  INTEREST  17.  Our Business Days. Our business days are Monday 
    CHARGE, will increase as a result of the increase in your  through Friday, except for bank holidays. 
    ANNUAL PERCENTAGE RATE, and any such increase in  18.  Credit Investigation and Disclosure. You authorize 
    your ANNUAL PERCENTAGE RATE will be shown on your  us, both now and in the future, to check your credit and 
    next periodic statement. We will reinstate your Daily Periodic  employment history and to release information about our 
    Rate and ANNUAL PERCENTAGE RATE to the rate set  credit experience with you in response to legitimate credit 
    forth in this Agreement once you have made at least your  inquiries. If you believe that we have incorrect information or 
    Minimum Payment Due for  six (6) consecutive billing  have reported inaccurate information about you to a credit 
    periods immediately following the effective date of the  bureau, please call us at 1-800-996-2638 (for TTY/TDD call 
    Penalty Rate.  If we take such lesser action initially, we  1-800-659-5495).  As required by law, you are hereby 
    reserve the right to terminate your Credit Card account and  notified that a negative credit report reflecting on your credit 
    accelerate all amounts due under this Agreement regardless  history may be submitted to a credit reporting agency if you 
    of whether any additional events have occurred which would  fail to fulfill the terms of your credit obligations. 
    permit termination and acceleration.  
                                             19. Security Interest. We have no security for any 
     14.  Automated Terminal Services       amounts which become due under this Agreement, even 
       a. Automated Terminals. You may use your Card in  though any other agreement you may have with us, such as 
    the following automated terminals:      a mortgage, may provide for such a security interest, unless 
         (1) Any Bank of the West automated teller machines.  you have given us a specific security interest in connection 
         (2) Any other automated teller machine that is  with this Agreement, which is described on the Supplement 
    participating in a network and accepts our Card (�Network  attached to this Agreement. 
    ATM�) and                                 20.  Collection. You promise to pay all collection costs, 
          (3) Any point-of-sale terminal that accepts our Card  including, without limitation, mailgram charges, reasonable 
    (�POS terminal�).                       lawyers� fees and court costs, as permitted by law. 
       b. Services Available at an Automated Terminal  21.  If There are More Than One of You. Each of you 
         (1) You may use your Card at a Bank of the West or  individually, or all of you together, will be liable under this 
    any Network ATM to:                     Agreement. We may collect from or sue any one of you, or 
          (a) Get a Cash Advance from your Credit Card  make any settlements or extensions with any one of you, 
    account.                                without giving up our rights against the other. You 
          (b) Get your Credit Card account balances. These  understand that any one of you can make Purchases, get 
    balances may not include some transactions recently made  Cash Advances, or perform Balance Transfers under this 
    in your Credit Card account. Some of the services described  Agreement which will be binding upon all of you. 
    in subparagraphs (a) and (b) may not be available at all  22.  No Waiver of Rights. If we choose to waive any of 
    Network ATMs.                           the terms or conditions of this Agreement on a case-by-case 
          (c) You may use your Card at a POS terminal to  basis, such as by not declaring the entire balance due when 
    purchase certain merchandise. The amount of your  the minimum monthly payment has not been made on time, 
    purchase will automatically be charged to your Credit Card  it does not mean that we have waived, or given up, our right 
    account as a Purchase.                  to exercise any of our rights or remedies under this 
       c. Limits of Automated Terminal Services  -  Cash  Agreement in the future. We are not required to use any 
    Advances. You may get a Cash Advance from a Bank of  particular kind of demand or notice in order to collect 
    the West Automated Terminal up to an aggregate amount of  amounts due to us under this Agreement. No indulgence or 
    $500 each calendar day, provided that this amount does not  acceptance by us of delinquent or partial payments 
    exceed your Credit Limit. This amount may be less for Cash  constitute a waiver of our rights or of any provision of this 
    Advances from Network ATMs.             Agreement. No waiver of any existing default shall be 
       d. Card and Secret Code (PIN) Use. You are  deemed to waive any subsequent default. 
    responsible for all transactions in which you use your Card  23. Changing Terms. We can change, add to, delete or 
    in an automated terminal, or the use of the Card by anyone  otherwise modify the terms of this Agreement at any time in 
    else who uses it with your permission. Security in use of the  any way permitted by law.  We will send you a notice of 
    Card is provided by the secret code, which we will provide  change at least 45 days (or as required by applicable law) 
    you, and the magnetically encoded stripe on the Card.  before the effective date of the change. We do not have to 
    Please keep the Card safe and also protect the secret code.  send you an advance notice of the change if it favors you, 
    Use the Card and the secret code as instructed at all times.  such as by reducing rates, or increasing the maximum credit 
    Please notify us of any mechanical or operating failure in  limit.  Except in cases where we are changing terms due to 
    connection with the use of your Card. Do not permit anyone  the Minimum Payment Due not being received within 60 
    else to use your Card and do not disclose your secret code  days of the Payment Due Date, you agree that the change 
    or record it on the Card. The Card remains the property of  may cover all transactions made 15 days after we mail the 
    the Bank and can be revoked and repossessed at any time.  notice.  If you do not agree to the change, a method for 
    You must return it to us when asked.    rejecting the change and closing the account will be 
       e. Fees for Using Automated Terminal Services.  provided in the Change of Terms Notice.   You agree that if 
    Fees may be charged for transactions made at automated  you use your card after the effective date of the change, this 
    teller machines not operated by us as described in  will constitute your agreement with the change.  
    paragraph 12-Other Fees.                 24. Canceling this Agreement. We have the right to 
                                            cancel this Agreement at any time by sending a notice to 
    M-118007 
    BW-CCAG (REV.  07/2016)  
     
      
    any one of you in writing. You also have the same right to  28.  Our Communications with You 
    cancel this Agreement at any time by sending us a notice in  You agree that we, any of our affiliates, agents, 
    writing or calling the BankCard Center at 1-800-996-2638  independent contractors or service providers may monitor 
     (for TTY/TDD call 1-800-659-5495). If this Agreement is  and record telephone calls regarding your banking services 
    canceled by you or us, your obligation is to repay amounts  to assure the quality of our service or for other reasons. You 
    you already owe under this Agreement.  In either case, the  expressly consent that we, any of our affiliates, agents, 
    account will be closed and you will no longer have access to  independent contractors or service providers may use 
    the account.                            written, electronic, or verbal means, or  any other medium, 
     25.  Governing Law. This Agreement will be governed by  as permitted by law and including, but not limited to, mail 
    the laws of the State of Nebraska, and, as applicable,  and facsimile, to contact you. Your consent includes, but is 
    federal law, regardless of where the transactions are made.  not limited to, contact by manual calling methods, 
     26. Monitoring/Recording Telephone Calls.  Our  prerecorded or artificial voice messages, text messages, e-
    supervisory personnel may listen to and record your  mails and/or automatic telephone dialing systems. You 
    telephone calls to us for the purpose of monitoring and  agree that we, any of our affiliates, agents, independent 
    improving the quality of service you receive.  contractors or service providers may contact you by using 
     27.  Severability.  All other provisions of this Agreement  any e-mail or any telephone number you provide, including a 
    shall remain in full force even if one or more provisions of  telephone number for a cellular phone or other wireless 
    this Agreement are held invalid, illegal, void or  device, regardless of whether you incur any charges as a 
    unenforceable by any rule or law, administrative order or  result.   
    judicial decision. 
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  �  If we do not believe there was a mistake: You will 
    If you think there is an error on your statement, write to us  have to pay the amount in question, along with 
    at:                                          applicable interest and fees.  We will send you a 
             Bank of the West                    statement of the amount you owe and the date 
             BankCard Customer Service Department  payment is due.  We may then report you as 
             PO Box 2319                         delinquent if you do not pay the amount we think 
             Omaha, NE 68172-9793                you owe. 
       In your letter, give us the following information:   
      �  Account information: Your name and account  If you receive our explanation but still believe your bill is 
         number.                            wrong, you must write to us within 10 days telling us that you 
      �  Dollar amount: The dollar amount of the suspected  still refuse to pay.  If you do so, we cannot report you as 
         error.                             delinquent without also reporting that you are questioning 
      �  Description of problem: If you think there is an error  your bill.  We must tell you the name of anyone to whom we 
         on your bill, describe what you believe is wrong and  reported you as delinquent, and we must let those 
         why you believe it is a mistake.   organizations know when the matter has been settled 
       You must contact us:                 between us. 
      �  Within 60 days after the error appeared on your   
         statement.                          If we do not follow all of the rules above, you do not have 
                                            to pay the first $50 of the amount you question even if your 
      �  At least 3 business days before an automated 
                                            bill is correct. 
         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  Your Rights If You Are Dissatisfied With Your Credit 
    electronically].  You may call us, but if you do we are not  Card Purchases 
    required to investigate any potential errors and you may  If you are dissatisfied with the goods or services that you 
    have to pay the amount in question.     have purchased with your credit card and you have tried in 
                                            good faith to correct the problem with the merchant, you 
                                            may have the right not to pay the remaining amount due on 
    What Will Happen After We Receive Your Letter 
                                            the purchase. 
     When we receive your letter, we must do two things: 
                                              
     1. Within 30 days of receiving your letter, we must tell you 
                                             To use this right, all of the following must be true: 
    that we received your letter.  We will also tell you if we have 
                                             1. The purchase must have been made in your home state 
    already corrected the error. 
                                            or within 100 miles of your current mailing address, and the 
     2. Within 90 days of receiving your letter, we must either 
                                            purchase price must have been more than $50.  (Note: 
    correct the error or explain to you why we believe the bill is 
                                            Neither of these are necessary if your purchase was based 
    correct.  While we investigate whether or not there has 
                                            on an advertisement we mailed to you, or if we own the 
    been an error: 
                                            company that sold you the goods or services.) 
      
                                             2. You must have used your credit card for the purchase.  
       �  We cannot try to collect the amount in question, or 
                                            Purchases made with cash advances from an ATM or with a 
         report you as delinquent on that amount. 
                                            check that accesses your credit card account do not qualify. 
       �  The charge in question may remain on your 
                                              3. You must not yet have fully paid for the purchase. 
         statement, and we may continue to charge you 
                                             
         interest on that amount. 
                                              If all of the criteria above are met and you are still 
       �  While you do not have to pay the amount in 
                                            dissatisfied with the purchase, contact us in writing at: 
         question, you are responsible for the remainder of 
                                               Bank of the West  
         your balance. 
                                               BankCard Customer Service Department 
       �  We can apply any unpaid amount against your 
                                               PO Box 2319 
         credit limit. 
                                               Omaha, NE 68172-9793 
      
                                            While we investigate, the same rules apply to the disputed 
     After we finish our investigation, one of two things will 
                                            amount as discussed above.  After we finish our 
    happen: 
                                            investigation, we will tell you our decision.  At that point, if 
      
                                            we think you owe an amount and you do not pay, we may 
       �  If we made a mistake: You will not have to pay the  report you as delinquent. 
         amount in question or any interest or other fees   
         related to that amount. 
    M-118007 
    BW-CCAG (REV.  07/2016)  
     
      
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
     Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services obtained pursuant hereto or with the proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
    M-118007 
    BW-CCAG (REV.  07/2016)  
     
                                                                          
                                                                                  
           Interest Rates, Interest Charges, and Fees � Bank of the West World MasterCard� Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months.    
     (APR) for Purchases 
                           
                            After that, your APR will be 13.24% to 23.24%, based on your 
                            creditworthiness. 
                           
                              This APR will vary with the market based on the Prime Rate.  
     APR for Balance Transfers  13.24% to 23.24%, based on your creditworthiness. 
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment  
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month.  We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/.  
      
     Fees 
                             1
     Annual Fee           $85  
     Transaction Fees      
                           
        �  Balance Transfer   Either $5 or 3% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction   1% of the U.S. Dollar amount of each such transaction.  
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).�  See your Credit Card Agreement for more details. 
      
     Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement.   
      Continued on next page. 
                         
                                                                          
                                                                                  
     1 
      The World MasterCard card is subject to an Annual Membership Fee if you do not maintain an open Bank of the West 
      Premier Checking account.  For details, refer to the World MasterCard Credit Card Agreement. 
      
     Late Payment fee for Iowa residents is $15. For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, 
     the fee will be equal to the Minimum Payment Due. 
      
     Returned Payment fee for Iowa residents is $19.95.  For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment 
     Due, the fee will be equal to the Minimum Payment Due. 
      
     In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
      
                         
                                                   CREDIT CARD AGREEMENT  
                                                                   (World MasterCard� Card) 
                                             
    By requesting or accepting any World MasterCard account  3. Temporary Reduction of Credit Limit.   Merchants, 
     (individually or collectively called �Credit Card account� or  such as car rental companies and hotels, may request prior 
     �Account�) with Bank of the West, you agree to be bound by  credit approval from us for an estimated amount of your 
    all the terms of this Agreement. In this Agreement, the  Purchases, even if you ultimately do not pay by credit. If our 
    words �you� or �your� mean everyone who has requested or  approval is granted, your available Credit Limit will 
    accepted a Credit Card account with us. The words �we,�  temporarily be reduced by the amount authorized by us. If 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  you do not ultimately use your Credit Card account to pay 
    accept this Agreement, you must notify us in writing within 5  for your Purchases or if the actual amount of Purchases 
     days after receipt.  Use of your card or any feature  posted to your Credit Card account varies from the 
     (including a balance transfer) of your  Credit  Card  estimated amount approved by us, it is the responsibility of 
     Agreement shall constitute acceptance of this Agreement.   the merchant, not us, to cancel the prior credit approval 
      1. Use.  Your   World  MasterCard  Card (individually or  based on the estimated amount. The failure of the merchant 
     collectively called �Card�) may be used as a credit card for  to cancel a prior credit approval may result in a temporary 
     purchases of goods or services from participating  reduction of your available Credit Limit, but will not increase 
     merchants (�Purchases�) or to get Cash Advances from us  the amount you owe us under this Agreement. 
     or any other financial institution displaying the �MasterCard�  4. Agreement to Pay. When you use your Card or Credit 
     logo, or to purchase certain items such as traveler's  Card account, or when you permit anyone to use it, you 
     cheques, foreign currency, money orders, wire transfers,  agree to pay the amount of any and all  transactions 
     lottery tickets, and (except as noted below) funds to be used  (including any which may have been made in violation of this 
     for wagers or gambling (all of which are collectively referred  Agreement), and the INTEREST CHARGES and fees that 
     to as �Cash Advances�) up to your Credit Limit; provided,  may become due as shown on the periodic statement. You 
     however, you may not use your Card (i) to make Purchases  agree that we may change or cancel your Credit Card 
     or obtain Cash Advances for any illegal transaction, or (ii) for  Account at any time without affecting your obligation to pay 
     any internet or online gambling transactions. Transactions  the amounts that you owe under this Agreement.  
     for online or internet gambling will not be approved.  If you  5. Periodic Statement. Each month we will send you a 
     use your Card for any illegal or prohibited transaction, this  periodic statement for each Credit Card account you have 
     Agreement also applies to such transaction and you agree  with us covering the previous billing period. We may not 
     to pay any and all amounts related to such transaction  send you a statement if your balance is less than $1 and 
     pursuant to the terms of this Agreement. We may, in our  there were no transactions during the billing period. The 
     sole discretion, restrict the use of or terminate your Card if  statement will have a �Statement Period Date�, �Statement 
     we notice excessive use of your Card or other suspicious  Closing Date� and a �Payment Due Date,� and will show, 
     activities or if we reasonably believe the Card is or has been  among other things, your �Previous Balance,� your �New 
     used for one or more illegal or prohibited transactions. You  Balance,� and your minimum monthly payment, which will be 
     can also obtain a Cash Advance by writing a special  shown as �Minimum Payment Due.� 
     MasterCard check (�Convenience Check�). The Cash  6. Payment. You must make a payment by the �Payment 
     Advance will be posted to your Credit Card account when  Due Date.� You have two choices: You may pay the entire 
     the Convenience Check reaches us. If you stop payment on  �New Balance� or you may pay in installments by paying at 
     a Convenience Check, your Credit Card account will be  least the �Minimum Payment Due.� When your payment is 
     charged $16.00 (or as permitted by law) for each stop  properly received, we will allocate your payment in a manner 
     payment. We may designate that only a portion of your  we determine except as otherwise required by law.  The 
     Credit Limit is available for Cash Advances.  In addition, you  Minimum Payment is applied first to fees, then to 
     may request that we pay other creditors on your behalf and  INTEREST CHARGES and finally to principal. We apply the 
     transfer approved amounts to your Account (�Balance  Minimum Payment to balances with lower APRs, including 
     Transfers�).                            introductory APRs, before balances with higher APRs. 
      Your Card may also be used in certain automated  Payments made in excess of the Minimum Payment will be 
     terminals to gain access to your Credit Card accounts. We  applied first to balances with the highest Annual Percentage 
     have no responsibility for the failure of any machine,  Rate and then to each successive balance bearing the next 
     merchant, financial institution, or any other party to honor  highest Annual Percentage Rate. 
     your Card. Your Card and Credit Card account may be used    Payments must be mailed to the BankCard Center 
     only for valid and lawful purposes. If you use or allow  address specified in your periodic statement. Payments 
     someone else to use the Card or Credit Card account for  must reach our BankCard Center during our regular 
     any other purpose, you will be responsible for such use and  business day in order to be credited on that date.  Payments 
     may be required to reimburse us for all amounts or  received after the cutoff times of 5:00 p.m. PT are credited 
     expenses we pay as a result of such use.   as of the following business day. If you make payment by 
      2. Credit Limit. We will notify you of the Credit Limit for  any means other than mail to our BankCard Center crediting 
     each Credit Card account you have with us. You agree that  of the payment may be delayed.  If you fail to properly make 
     your total charges, including Purchases, Cash Advances,  payments, crediting such payments may be delayed.  Your 
     Balance Transfers, INTEREST CHARGES, and fees that  total available credit may not be restored for up to 15 days 
     may be due will not exceed your Credit Limit. If you do go  after we receive your payment.   
     over your Credit Limit, you must repay the excess amount  If a payment is returned to us for any reason, we may 
     immediately, and we may reduce the available Credit Limit  apply a Returned Payment Fee of $25 for the first violation 
     of any other Credit Card account you have with us until such  and $35 for each subsequent violation within the next six 
     time the excess amount is repaid. You may apply to  billing cycles. The Returned Payment Fee for Iowa residents 
     increase your Credit Limit at any time but we are not  is $19.95.  If the Returned Payment Fee is greater than the 
     obligated to increase your Credit Limit at any time.  Minimum Payment Due, the fee will be equal to the 
     Furthermore, we reserve the right to lower your Credit Limit  Minimum Payment Due. 
     at any time. For security reasons, we may limit the number    From time to time, we may let you skip or reduce one or 
     or amount of transactions that may be accomplished with  more monthly payments during a year and/or we may 
     your Card or Credit Card account, and we have the right to  temporarily reduce or eliminate certain  INTEREST 
     limit authorizations to make transactions if we consider it  CHARGES on all or a portion of your Credit Card account 
     necessary to verify Payments received on your Credit Card  balance or offer you other special terms. If we do, we will 
     account.  If we accept a payment from you in excess of your  advise you of the scope and duration of the applicable skip 
     outstanding balance, your available Credit Limit will not be  or promotional feature. When the skip or promotional 
     increased by the amount of the overpayment nor will we be  feature ends, your regular rates and all the terms of the 
     required to authorize transactions for an amount in excess  Agreement will resume. 
     of your Credit Limit. 
                                              7. Minimum Payment- Late Payment Fee. At least the 
                                             amount of the �Minimum Payment Due� must be received by 
    M � 118440 
    BW-WCCAG (07/2016) 
      
    us by the �Payment Due Date.� If it is not, we may apply a  Cash Advances on your Account is based on a variable rate 
    Late Payment fee of $25 for the first violation and $35 for  equal to the sum of the Current Index plus a �Rate Spread� 
     each subsequent violation within the next six billing cycles.   of  21.74 percentage points.  Immediately before each 
     The Late Payment fee for Iowa residents is $15.  If the Late  Change Date we will determine the new interest rate by 
     Payment fee is greater than the Minimum Payment Due, the  adding the Rate Spread to the Current Index.  The new 
     fee will be equal to the Minimum Payment Due.  If such  interest rate will become effective at the start of your first 
     charge would result in an INTEREST CHARGE greater than  billing cycle after the Change Date. Only one Annual 
     the maximum allowed by law, we will only charge the  Percentage Rate and Daily Periodic Rate will be in effect for 
     maximum allowable rate.  Your Minimum Payment Due will  each Balance Category during the billing period. The Annual 
     be 3% of the New Balance plus any Late Payment fee (with  Percentage Rate will not exceed the maximum rate 
     a minimum of the lesser of $25 or your New Balance) and  permitted by law. The effect of any increase in the Annual 
     any amount over your credit limit and past due amount.  Percentage Rate and the Daily Periodic Rate would be to 
                                            increase the amount of INTEREST CHARGE or interest you 
      8. How to Avoid Paying Interest on Purchases. There 
                                            must pay and thus increase your monthly payments. 
     may be different treatment of INTEREST CHARGES for 
     Purchases, Balance Transfers, and Cash Advances, even  10.  Transaction Fees. You also agree to pay us the 
     though they are computed the same way. You may avoid  appropriate fees listed below (as permitted by applicable 
     paying an INTEREST CHARGE on Purchases if we receive  law) which may be amended from time to time by us. You 
     the entire New Balance by the Payment Due Date.  If we do  authorize us to charge your Credit Card account for the 
    not receive the entire New Balance by the Payment Due  following fees due to us. Balance Transfer fee: 3.00% of 
    Date, the INTEREST CHARGE will be charged on the  each balance transferred, $5 minimum. Cash Advance fee: 
     Purchases from the date of the transaction.  INTEREST  4.00% of each Cash Advance, $10 minimum.  
     CHARGES on all other balances, including Cash Advances  11.  Foreign  Transaction  Fee. Transactions that you 
    and Balance Transfers, begin on the transaction date and  make in a foreign currency or that you make outside of the 
    will be assessed even if your entire New Balance is paid by  United States of America even if it is made in U.S. dollars 
    the Payment Due Date.                   are considered foreign transactions.  If you make a 
     9. Computing Your INTEREST CHARGE. We figure the  transaction in a foreign currency it will be billed to you in 
    INTEREST CHARGE on each Credit Card account by  U.S. Dollars. The conversion rate to U.S. Dollars will be 
    applying the periodic rate to the �Average Daily Balance� of  determined by MasterCard International in accordance with 
    each Balance Category on the Credit Card account,  their operating regulations or conversion procedures in 
    including current transactions. Balance Categories include  effect at the time the transaction is processed. Currently, 
    Purchases, Balance Transfers, Cash Advances,  their regulations and procedures provide that the currency 
    Introductory Rates and any special rate offers we may make  conversion rate they use is either (1) a government-
    available from time to time.  If you are charged interest, the  mandated rate or (2) a wholesale market rate, whichever is 
    charge will be no less than $1.00 (the minimum interest  applicable, in effect one day prior to the processing date. 
    charge will appear as �Minimum Charge� in the fees section  We do not determine the currency conversion rate which is 
    of your statement).                     used.  You agree to pay the converted amount in U.S. 
                                            funds. In addition, MasterCard will charge us (the Bank) an 
       a. Average Daily Balance. To obtain the daily balance 
                                            international  transaction fee, currently equal to one percent 
    for each Balance Category we take the beginning balance 
                                            (1.00%) of the transaction amount, which we will charge you 
    each day and add new transactions applicable to each 
                                            whether that transaction was originally made in U.S. dollars 
    category, and subtract any payments, credits, and refunds 
                                            or was made in another currency and converted to U.S. 
    applied to the category.  To figure your Average Daily 
                                            dollars. This fee will be shown as a Foreign Transaction Fee 
    Balance for each Balance Category, we add all your daily 
                                            on your statement. 
    balances and divide by the number of days in the billing 
                                               12.   Annual Membership Fee.  The  World 
    period. 
                                             MasterCard Account is subject to an Annual Membership 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             Fee of $85.00. The Annual Membership Fee will be waived 
    INTEREST CHARGE for each Balance Category  by 
                                             for the first year of your Account. After the first year, on an 
    multiplying these Average Daily Balances by the applicable 
                                             annual basis, but in no case later than the first business day 
    Daily Periodic Rate, and then we multiply the result by the 
                                             of the second month of the quarter preceding the 
    number of days in the billing period. To determine the Daily 
                                             anniversary of the Account�s opening date, the Bank will 
    Periodic Rate for each Balance Category, we divide the 
                                             review the status of your Bank of the West Premier 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             Checking account to determine whether or not the Annual 
    billing period by 365 (366 for leap year). The way we get the 
                                             Membership Fee will be waived.  This waiver will be applied 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             annually so long as you maintain an open Bank of the West 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             Premier Checking account at the time the Bank evaluates 
       c.  Fixed Rate. For the first six months (Introductory 
                                            your status.    
    Period) your interest rate for Purchases on your Account is 
    equal to 0.00% APR; thereafter, your interest rate for  13. Other Fees. As allowed by law, we may charge, and 
    Purchases will apply.  There is no introductory rate for  you agree to pay, fees for certain services or requests made 
    Balance Transfers or Cash Advances.     by you, such as but not limited to: Automated Teller Machine 
       d. Variable Rate. The current Annual Percentage Rate  (�ATM�) transactions conducted at machines not operated 
    for all variable rates  is shown on the Account Opening  by us, requests for copies of billing statements, sales drafts, 
    Disclosure which has been provided to you with this  or other records of your Account, or if you request a 
    Agreement. The Daily Periodic Rate and the corresponding  replacement card(s).  However, we will not charge fees for 
    Annual Percentage Rate may change each month on the  copies of documents requested for a billing dispute.  These 
    first day of each of your billing cycles. Each date on which  fees may change from time to time.  We will inform you of 
    the rate of interest could change is called a �Change Date.�  the fee(s) that you will incur prior to when the applicable 
    Changes will be based on changes in the �Index.� The Index  service(s) is(are) provided or when you make the request(s), 
    is the highest Prime Rate published in the �Money Rates�  as applicable. You authorize us to charge your Credit Card 
    table of The Wall Street Journal. If the Index is no longer  account for any such fees that you incur. We reserve the 
    available, we will choose a new index which is based upon  right to waive a fee from time to time but a waiver does not 
    comparable information and will give you notice of our  mean we will continue to waive such fee in the future. 
    choice. The Index figure published on the second Tuesday  14.  Default. We may declare the entire balance for all 
    (or on the next business day if the second Tuesday is a  Credit Card accounts due and payable at once with or 
    holiday)  each month is called the �Current Index.�  Your  without notice or demand if any of these events (a �Default�) 
    interest rate for Purchases (after the Introductory Period)  happens: 
    and Balance Transfers on your World MasterCard account  a. If you miss a payment under this Agreement or any 
    is based on a variable rate equal to the sum of the Current  other obligation you owe us; or 
    Index plus a �Rate Spread� of 9.74 to 19.74 percentage  b. If you violate any terms of this Agreement. 
    points, based on your creditworthiness. The interest rate for 
    M � 118440 
    BW-WCCAG (07/2016) 
      
     If you are in Default, we may terminate your Credit Card  16. Lost or Stolen Card; Your Liability for 
    account, make no more additional loans, and require you to   Unauthorized Use. Tell us AT ONCE if you believe your 
    immediately repay the entire unpaid balance of all amounts  Card has been lost or stolen. Telephoning is the best way of 
    due on your Credit Card account, including but not limited to  keeping your possible losses down. 
    all loan amounts, late charges and other charges assessed  You may be liable for the unauthorized use of your Card 
    but not paid, and all of the INTEREST CHARGES accrued  as a credit card. You will not be liable for unauthorized use 
    but not paid. If we terminate your Credit Card account, your  of your Card as a credit card which occurs after you notify 
    obligation to repay the amounts you already owe us would  us at the telephone number or address stated in paragraph 
    continue.                               17, orally or in writing, of loss, theft, or possible unauthorized 
      At our option, we may also take action short of terminating  use. In any case, your liability for unauthorized use of your 
    your Credit Card account. If your required minimum  Card as a credit card will not exceed $50.00. 
    payment (shown on your periodic statement as �Minimum  17.  Where to Call or Write. If you believe your Card has 
    Payment Due�) is not received within 60  days of the  been lost or stolen or that someone is using your Card or 
     Payment Due Date, your ANNUAL PERCENTAGE RATE  Credit Card account without your permission, call: 1-844-
     for all balances will be a variable rate equal to the sum of  446-9378 (for TTY/TDD call 1-800-659-5495) or write to: PO 
     the Current Index plus a �Rate Spread� of 26.74 percentage  Box 2078, Omaha, NE 68103-2078.  
     points (Penalty Rate).  You will be provided with a notice 45  18.  Our Business Days. Our business days are Monday 
     days in advance of the effective date of the change in  through Friday, except for bank holidays. 
     Annual Percentage Rate.  Your payments under this  19.  Credit Investigation and Disclosure. You authorize 
     Agreement, including the amount of the  INTEREST  us, both now and in the future, to check your credit and 
     CHARGE, will increase as a result of the increase in your  employment history and to release information about our 
     ANNUAL PERCENTAGE RATE, and any such increase in  credit experience with you in response to legitimate credit 
     your ANNUAL PERCENTAGE RATE will be shown on your  inquiries. If you believe that we have incorrect information or 
     next periodic statement. We may reinstate your ANNUAL  have reported inaccurate information about you to a credit 
     PERCENTAGE RATE to the rate set forth in this Agreement  bureau, please call us at 1-844-446-9378 (for TTY/TDD call 
     once you have made at least your Minimum Payment Due  1-800-659-5495). 
     for (6) consecutive billing periods immediately following the 
                                             20. Security Interest. We have no security for any 
     effective date of the Penalty Rate.  If we take such lesser 
                                            amounts which become due under this Agreement, even 
     action initially, we reserve the right to terminate your Credit 
                                            though any other agreement you may have with us, such as 
     Card account and accelerate all amounts due under this 
                                            a mortgage, may provide for such a security interest, unless 
     Agreement regardless of whether any additional events 
                                            you have given us a specific security interest in connection 
     have occurred which would permit termination and 
                                            with this Agreement, which is described on the Supplement 
     acceleration.  
                                            attached to this Agreement. 
      15.  Automated Terminal Services 
                                             21.  Collection. You promise to pay all collection costs, 
       a. Automated Terminals. You may use your Card in  including, without limitation, mailgram charges, reasonable 
     the following automated terminals:     lawyers� fees and court costs, as permitted by law. 
          (1) Any Bank of the West automated teller machines.  22.  If There are More Than One of You. Each of you 
          (2) Any other automated teller machine that is  individually, or all of you together, will be liable under this 
     participating in a network and accepts our Card (�Network  Agreement. We may collect from or sue any one of you, or 
     ATM�) and                              make any settlements or extensions with any one of you, 
          (3) Any point-of-sale terminal that accepts our Card  without giving up our rights against the other. You 
     (�POS terminal�).                      understand that any one of you can make Purchases, get 
       b. Services Available at an Automated Terminal  Cash Advances, or perform Balance Transfers under this 
          (1) You may use your Card at a Bank of the West or  Agreement which will be binding upon all of you. 
     any Network ATM to:                      23.  No Waiver of Rights. If we choose to waive any of 
           (a) Get a Cash Advance from your Credit Card  the terms or conditions of this Agreement on a case-by-case 
     account.                               basis, such as by not declaring the entire balance due when 
           (b) Get your Credit Card account balances. These  the minimum monthly payment has not been made on time, 
     balances may not include some transactions recently made  it does not mean that we have waived, or given up, our right 
     in your Credit Card account. Some of the services described  to exercise any of our rights or remedies under this 
     in subparagraphs (a) and (b) may not be available at all  Agreement in the future. We are not required to use any 
     Network ATMs.                          particular kind of demand or notice in order to collect 
           (c) You may use your Card at a POS terminal to  amounts due to us under this Agreement. No indulgence or 
     purchase certain merchandise. The amount of your  acceptance by us of delinquent or partial payments 
     purchase will automatically be charged to your Credit Card  constitute a waiver of our rights or of any provision of this 
     account as a Purchase.                 Agreement. No waiver of any existing default shall be 
       c. Limits of Automated Terminal Services  -  Cash  deemed to waive any subsequent default. 
     Advances. You may get a Cash Advance from a Bank of  24.  Changing Terms.  We can change, add to, delete or 
     the West Automated Terminal up to an aggregate amount of  otherwise modify the terms of this Agreement at any time in 
     $500 each calendar day, provided that this amount does not  any way permitted by law. We will send you a notice of 
     exceed your Credit Limit. This amount may be less for Cash  change at least 45 days (or as required by applicable law) 
     Advances from Network ATMs.            before the effective date of the change. We do not have to 
       d. Card and Secret Code  (PIN)  Use. You are  send you an advance notice of the change if it favors you, 
     responsible for all transactions in which you use your Card  such as by reducing rates, or increasing the maximum credit 
     in an automated terminal, or the use of the Card by anyone  limit.  Except in cases where we are changing terms due to 
     else who uses it with your permission. Security in use of the  the Minimum Payment Due not being received within 60 
     Card is provided by the secret code, which we will provide  days of the Payment Due Date, you agree that the change 
     you, and the magnetically encoded stripe on the Card.  may cover all transactions made 15 days after we mail the 
     Please keep the Card safe and also protect the secret code.  notice. If you do not agree to the change, a method for 
     Use the Card and the secret code as instructed at all times.  rejecting the change and closing the account will be 
     Please notify us of any mechanical or operating failure in  provided in the Change of Terms Notice.   You agree that if 
     connection with the use of your Card. Do not permit anyone  you use your card after the effective date of the change, this 
     else to use your Card and do not disclose your secret code  will constitute your agreement with the change. 
     or record it on the Card. The Card remains the property of  25.  Canceling this Agreement.  We have the right to 
     the Bank and can be revoked and repossessed at any time.  cancel this Agreement at any time by sending a notice to 
     You must return it to us when asked.   any one of you in writing. You also have the same right to 
       e. Fees for Using Automated Terminal Services.  cancel this Agreement at any time by sending us a notice in 
    Fees may be charged for transactions made at automated  writing or calling the BankCard Center at 1-844-446-9378 
    teller machines not operated by us as described in  (for TTY/TDD call 1-800-659-5495). If this Agreement is 
    paragraph 13-Other Fees.                canceled by you or us, your obligation is to repay amounts 
    M � 118440 
    BW-WCCAG (07/2016) 
      
    you already owe under this Agreement.  In either case, the  telephone calls regarding your banking services to assure 
    account will be closed and you will no longer have access to  the quality of our service or for other reasons. You expressly 
    the account.                            consent that we, any of our affiliates, agents, independent 
      26.  Governing Law. This Agreement will be governed by  contractors or service providers may use written, electronic, 
    the laws of the State of Nebraska, and, as applicable,  or verbal means, or  any other medium, as permitted by law 
    federal law, regardless of where the transactions are made.  and including, but not limited to, mail and facsimile, to 
     27. Monitoring/Recording Telephone Calls.  Our  contact you. Your consent includes, but is not limited to, 
    supervisory personnel may listen to and record your  contact by manual calling methods, prerecorded or artificial 
    telephone calls to us for the purpose of monitoring and  voice messages, text messages, e-mails and/or automatic 
    improving the quality of service you receive.  telephone dialing systems. You agree that we, any of our 
     28.  Severability.  All other provisions of this Agreement  affiliates, agents, independent contractors or service 
    shall remain in full force even if one or more provisions of  providers may contact you by using any e-mail or any 
    this Agreement are held invalid, illegal, void or  telephone number you provide, including a telephone 
    unenforceable by any rule or law, administrative order or  number for a cellular phone or other wireless device, 
    judicial decision.                      regardless of whether you incur any charges as a result.   
     29.  Our Communications with You         
    You agree that we, any of our affiliates, agents, independent 
    contractors or service providers may monitor and record 
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                under the Fair Credit Billing Act. 
                                            
    What To Do If You Find a Mistake on Your Statement  delinquent if you do not pay the amount we think 
    If you think there is an error on your statement, write to us  you owe. 
    at:                                      If you receive our explanation but still believe your bill is 
       Bank of the West                     wrong, you must write to us within 10 days telling us that you 
       BankCard Customer Service Department  still refuse to pay.  If you do so, we cannot report you as 
       PO Box 2319                          delinquent without also reporting that you are questioning 
       Omaha, NE 68172-9793                 your bill.  We must tell you the name of anyone to whom we 
    In your letter, give us the following information:  reported you as delinquent, and we must let those 
       �  Account information: Your name and account  organizations know when the matter has been settled 
         number.                            between us. 
       �  Dollar amount: The dollar amount of the suspected  If we do not follow all of the rules above, you do not have to 
         error.                             pay the first $50 of the amount you question even if your bill 
       �  Description of problem: If you think there is an error  is correct. 
         on your bill, describe what you believe is wrong and   
         why you believe it is a mistake.   Your Rights If You Are Dissatisfied With Your Credit 
    You must contact us:                    Card Purchases 
      �  Within 60 days after the error appeared on your  If you are dissatisfied with the goods or services that you 
         statement.                         have purchased with your credit card and you have tried in 
                                            good faith to correct the problem with the merchant, you 
      �  At least 3 business days before an automated 
                                            may have the right not to pay the remaining amount due on 
         payment is scheduled, if you want to stop payment 
                                            the purchase. 
         on the amount you think is wrong. 
                                              
    You must notify us of any potential errors in writing.  You 
                                            To use this right, all of the following must be true: 
    may call us, but if you do we are not required to investigate 
                                            1.  The purchase must have been made in your home state 
    any potential errors and you may have to pay the amount in 
                                               or within 100 miles of your current mailing address, and 
    question. 
                                               the purchase price must have been more than $50.  
     
                                               (Note: Neither of these are necessary if your purchase 
    What Will Happen After We Receive Your Letter 
                                               was based on an advertisement we mailed to you, or if 
    When we receive your letter, we must do two things: 
                                               we own the company that sold you the goods or 
    1.  Within 30 days of receiving your letter, we must tell you 
                                               services.) 
       that we received your letter.  We will also tell you if we 
                                            2.  You must have used your credit card for the purchase.  
       have already corrected the error. 
                                               Purchases made with cash advances from an ATM or 
    2.  Within 90 days of receiving your letter, we must either 
                                               with a check that accesses your credit card account do 
       correct the error or explain to you why we believe the bill 
                                               not qualify. 
       is correct.  While we investigate whether or not there 
                                            3.  You must not yet have fully paid for the purchase. 
       has been an error: 
                                              
       �  We cannot try to collect the amount in question, or 
                                              If all of the criteria above are met and you are still 
         report you as delinquent on that amount. 
                                             dissatisfied with the purchase, contact us in writing at: 
       �  The charge in question may remain on your 
                                               Bank of the West 
         statement, and we may continue to charge you 
                                               BankCard Customer Service Department 
         interest on that amount. 
                                               PO Box 2319  
       �  While you do not have to pay the amount in 
                                               Omaha, NE 68172-9793 
         question, you are responsible for the remainder of 
                                            While we investigate, the same rules apply to the disputed 
         your balance. 
                                            amount as discussed above.  After we finish our 
       �  We can apply any unpaid amount against your 
                                            investigation, we will tell you our decision.  At that point, if 
         credit limit. 
                                            we think you owe an amount and you do not pay, we may 
    After we finish our investigation, one of two things will 
                                            report you as delinquent. 
    happen: 
                                             
       �  If we made a mistake: You will not have to pay the  NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
         amount in question or any interest or other fees  Credit Card Agreement is subject to all claims and defenses 
         related to that amount.             which the debtor could assert against the seller of goods or 
       �  If we do not believe there was a mistake: You will  services obtained pursuant hereto or with the proceeds 
         have to pay the amount in question, along with  hereof.  Recovery hereunder by the debtor shall not exceed 
         applicable interest and fees.  We will send you a  amounts paid by the debtor hereunder. 
         statement of the amount you owe and the date   
         payment is due.  We may then report you as 
    M � 118440 
    BW-WCCAG (07/2016) 
                                                                          
      
             Interest Rates, Interest Charges, and Fees � Bank of the West Wealth Management  
                                               �
                             World Elite� MasterCard  Credit Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months.    
     (APR) for Purchases 
                           
                              After that, your APR will be 7.40%.  This APR will vary with the market based on  
                          the Prime Rate.  
     APR for Balance Transfers  7.40%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment    
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month.  We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/.  
      
     Fees 
                              1
     Annual Fee           $295    
     Transaction Fees      
                           
        �  Balance Transfer   Either $5 or 3% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction   1% of the U.S. Dollar amount of each such transaction.  
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).�  See your Credit Card Agreement for more details. 
      
     Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date.   
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement. 
      
     Continued on next page. 
                                                                          
      
      
     1
       The Wealth Management World Elite MasterCard Credit Card is subject to an Annual Membership Fee if you do not 
     maintain  Eligible Qualified Balances of $250,000 or more.  For details, refer to the Wealth Management World Elite 
     MasterCard Credit Card Agreement. 
      
     Late Payment fee for Iowa residents is $15.  For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, 
     the fee will be equal to the Minimum Payment Due. 
      
     Returned Payment fee for Iowa residents is $19.95.  For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment 
     Due, the fee will be equal to the Minimum Payment Due. 
      
     In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
      
                                  
                                                   CREDIT CARD AGREEMENT  
                                                                  TM      �
                                                (Wealth Management World Elite  MasterCard  Credit Card) 
                                             
    The terms of the Bank of the West Wealth Management  or amount of transactions that may be accomplished with 
    World Elite MasterCard Credit Card are available to the  your Card or Credit Card account, and we have the right to 
    Bank�s Wealth Management clients.        limit authorizations to make transactions if we consider it 
                                             necessary to verify Payments received on your Credit Card 
    By requesting or accepting any Wealth Management World  account.  If we accept a payment from you in excess of your 
     Elite MasterCard Credit Card account (individually or  outstanding balance, your available Credit Limit will not be 
     collectively called �Credit Card account� or �Account�) with  increased by the amount of the overpayment nor will we be 
     Bank of the West, you agree to be bound by all the terms of  required to authorize transactions for an amount in excess 
     this Agreement. In this Agreement, the words �you� or �your�  of your Credit Limit. 
     mean everyone who has requested or accepted a Credit  3. Temporary Reduction of Credit Limit.   Some 
     Card account with us. The words �we,� �us,� �our,� or �Bank�  merchants (for example, car rental companies and hotels) 
     mean Bank of the West.  If you do not accept this  may request prior credit approval from us for an estimated 
    Agreement, you must notify us in writing within 5 days after  amount of your Purchases, even if you ultimately do not pay 
    receipt.  Use of your card or any feature (including a balance  by credit. If our approval is granted, your available Credit 
    transfer) of your  Credit Card Agreement shall constitute  Limit will temporarily be reduced by the amount authorized 
     acceptance of this Agreement.           by us. If you do not ultimately use your Credit Card account 
      1. Use. Your Wealth Management World Elite MasterCard  to pay for your Purchases or if the actual amount of 
     Credit Card (individually or collectively called �Card�) may be  Purchases posted to your Credit Card account varies from 
     used as a credit card for purchases of goods or services  the estimated amount approved by us, it is the responsibility 
     from participating merchants (�Purchases�) or to get Cash  of the merchant, not us, to cancel the prior credit approval 
     Advances from us or any other financial institution displaying  based on the estimated amount. The failure of the merchant 
     the �MasterCard� logo, or to purchase certain items such as  to cancel a prior credit approval may result in a temporary 
    traveler's cheques, foreign currency, money orders, wire  reduction of your available Credit Limit, but will not increase 
    transfers, lottery tickets, and (except as noted below) funds  the amount you owe us under this Agreement. 
    to be used for wagers or gambling (all of which are  4. Agreement to Pay. When you use your Card or Credit 
    collectively referred to as �Cash Advances�) up to your  Card account, or when you permit anyone to use it, you 
    Credit Limit; provided, however, you may not use your Card  agree to pay the amount of any and all  transactions 
    (i) to make Purchases or obtain Cash Advances for any  (including any which may have been made in violation of this 
    illegal transaction, or (ii) for any internet or online gambling  Agreement), and the INTEREST CHARGES and fees that 
    transactions. Transactions for online or internet gambling  may become due as shown on the periodic statement. You 
    will not be approved.  If you use your Card for any illegal or  agree that we may change or cancel your Credit Card 
    prohibited transaction, this Agreement also applies to such  Account at any time without affecting your obligation to pay 
    transaction and you agree to pay any and all amounts  the amounts that you owe under this Agreement.  
    related to such transaction pursuant to the terms of this  5. Periodic Statement. Each month we will send you a 
    Agreement. We may, in our sole discretion, restrict the use  periodic statement for each Credit Card account you have 
    of or terminate your Card if we notice excessive use of your  with us covering the previous billing period. We may not 
    Card or other suspicious activities or if we reasonably  send you a statement if your balance is  less than $1 and 
    believe the Card is or has been used for one or more illegal  there were no transactions during the billing period. The 
    or prohibited transactions. You can also obtain a Cash  statement will have a �Statement Period Date�, �Statement 
    Advance by writing a special MasterCard check  Closing Date� and a �Payment Due Date,� and will show, 
    (�Convenience Check�). The Cash Advance will be posted  among other things, your �Previous Balance,� your �New 
    to your Credit Card account when the Convenience Check  Balance,� and your minimum monthly payment, which will be 
    reaches us. If you stop payment on a Convenience Check,  shown as �Minimum Payment Due.� 
    your Credit Card account will be charged $16.00 (or as  6. Payment. You must make a payment by the �Payment 
    permitted by law) for each stop payment. We may designate  Due Date.� You have two choices: You may pay the entire 
    that only a portion of your Credit Limit is available for Cash  �New Balance� or you may pay in installments by paying at 
    Advances.  In addition, you may request that we pay other  least the �Minimum Payment Due.� When your payment is 
    creditors on your behalf and transfer approved amounts to  properly received, we will allocate your payment in a manner 
    your Account (�Balance Transfers�).     we determine except as otherwise required by law.  The 
     Your Card may also be used in certain automated  Minimum Payment is applied first to fees, then to 
    terminals to gain access to your Credit Card accounts. We  INTEREST CHARGES and finally to principal. We apply the 
    have no responsibility for the failure of any machine,  Minimum Payment to balances with lower APRs, including 
    merchant, financial institution, or any other party to honor  introductory APRs, before balances with higher APRs. 
    your Card. Your Card and Credit Card account may be used  Payments made in excess of the Minimum Payment will be 
    only for valid and lawful purposes. If you use or allow  applied first to balances with the highest Annual Percentage 
    someone else to use the Card or Credit Card account for  Rate and then to each successive balance bearing the next 
    any other purpose, you will be responsible for such use and  highest Annual Percentage Rate. 
    may be required to reimburse us for all amounts or    Payments must be mailed to the BankCard Center 
    expenses we pay as a result of such use.   address specified in your periodic statement. Payments 
     2. Credit Limit. We will notify you of the Credit Limit for  must reach our BankCard Center during our regular 
    each Credit Card account you have with us. You agree that  business day in order to be credited on that date.  Payments 
    your total charges, including Purchases, Cash Advances,  received after the cutoff times of 5:00 p.m. PT are credited 
    Balance Transfers, INTEREST CHARGES, and fees that  as of the following business day. If you make payment by 
    may be due will not exceed your Credit Limit. If you do go  any means other than mail to our BankCard Center crediting 
    over your Credit Limit, you must repay the excess amount  of the payment may be delayed.  If you fail to properly make 
    immediately, and we may reduce the available Credit Limit  payments, crediting such payments may be delayed.  Your 
    of any other Credit Card account you have with us until such  total available credit may not be restored for up to 15 days 
    time the excess amount is repaid.   You may apply to  after we receive your payment.   
    increase your Credit Limit at any time but we are not  If a payment is returned to us for any reason, we may 
    obligated to increase your Credit Limit at any time.  apply a Returned Payment Fee of $25 for the first violation 
    Furthermore, we reserve the right to lower your Credit Limit  and $35 for each subsequent violation within the next six 
    at any time. For security reasons, we may limit the number  billing cycles. The Returned Payment Fee for Iowa residents 
    M-116835       
    BW-WECCAG (11/2015) 
      
    is $19.95.  If the Returned Payment Fee is greater than the  the rate of interest could change is called a �Change Date.� 
     Minimum Payment Due, the fee will be equal to the  Changes will be based on changes in the �Index.� The Index 
     Minimum Payment Due.                   is the highest Prime Rate published in the �Money Rates� 
        From time to time, we may let you skip or reduce one or  table of The Wall Street Journal. If the Index is no longer 
     more monthly payments during a year and/or we may  available, we will choose a new index which is based upon 
     temporarily reduce or eliminate certain  INTEREST  comparable information and will give you notice of our 
     CHARGES on all or a portion of your Credit Card account  choice. The Index figure published on the second Tuesday 
     balance or offer you other special terms. If we do, we will  (or on the next business day if the second Tuesday is a 
     advise you of the scope and duration of the applicable skip  holiday)  each month is called the �Current Index.� Your 
     or promotional feature. When the skip or promotional  interest rate for Purchases (after the Introductory Period) 
     feature ends, your regular rates and all the terms of the  and Balance Transfers on your Wealth Management World 
     Agreement will resume.                 Elite MasterCard Account is based on a variable rate equal 
      7. Minimum Payment- Late Payment Fee. At least the  to the sum of the Current Index plus a �Rate Spread� of 3.90 
     amount of the �Minimum Payment Due� must be received by  percentage points. The interest rate for Cash Advances on 
     us by the �Payment Due Date.� If it is not, we may apply a  your Account is based on a variable rate equal to the sum of 
     Late Payment fee of $25 for the first violation and $35 for  the Current Index plus a �Rate Spread� of 21.74 percentage 
     each subsequent violation within the next six billing cycles.   points.  Immediately before each Change Date we will 
     The Late Payment fee for Iowa residents is $15.  If the Late  determine the new interest rate by adding the Rate Spread 
     Payment fee is greater than the Minimum Payment Due, the  to the Current Index.  The new interest rate will become 
     fee will be equal to the Minimum Payment Due.  If such  effective at the start of your first billing cycle after the 
     charge would result in an INTEREST CHARGE greater than  Change Date. Only one Annual Percentage Rate and Daily 
     the maximum allowed by law, we will only charge the  Periodic Rate will be in effect for each Balance Category 
     maximum allowable rate.  Your Minimum Payment Due will  during the billing period. The Annual Percentage Rate will 
     be 3% of the New Balance plus any Late Payment fee (with  not exceed the maximum rate permitted by law. The effect 
     a minimum of the lesser of $25 or your New Balance) and  of any increase in the Annual Percentage Rate and the Daily 
     any amount over your credit limit and past due amount.  Periodic Rate would be to increase the amount of 
                                            INTEREST CHARGE or interest you must pay and thus 
      8. How to Avoid Paying Interest on Purchases. There 
                                            increase your monthly payments. 
     may be different treatment of INTEREST CHARGES for 
                                             10.  Transaction Fees. You also agree to pay us the 
     Purchases, Balance Transfers, and Cash Advances, even 
                                            appropriate fees listed below (as permitted by applicable 
     though they are computed the same way. You may avoid 
                                            law) which may be amended from time to time by us. You 
     paying an INTEREST CHARGE on Purchases if we receive 
                                            authorize us to charge your Credit Card account for the 
     the entire New Balance by the Payment Due Date.  If we do 
                                            following fees due to us. Balance Transfer fee: 3.00% of 
     not receive the entire New Balance by the Payment Due 
                                            each balance transferred, $5 minimum. Cash Advance fee: 
     Date, the INTEREST CHARGE will be charged on the 
                                            4.00% of each Cash Advance, $10 minimum.  
     Purchases from the date of the transaction.  INTEREST 
                                              11.  Foreign  Transaction  Fee. Transactions that you 
     CHARGES on all other balances, including Cash Advances 
                                             make in a foreign currency or that you make outside of the 
     and Balance Transfers, begin on the transaction date and 
                                             United States of America even if it is made in U.S. dollars 
     will be assessed even if your entire New Balance is paid by 
                                             are considered foreign transactions.  If you make a 
     the Payment Due Date. 
                                             transaction in a foreign currency it will be billed to you in 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
    INTEREST CHARGE on each Credit Card account by 
                                             determined by MasterCard International in accordance with 
    applying the periodic rate to the �Average Daily Balance� of 
                                             their operating regulations or conversion procedures in 
    each Balance Category on the Credit Card account, 
                                             effect at the time the transaction is processed. Currently, 
    including current transactions. Balance Categories include 
                                             their regulations and procedures provide that the currency 
    Purchases, Balance Transfers, Cash Advances, 
                                             conversion rate they use is either (1) a government-
    Introductory Rates and any special rate offers we may make 
                                             mandated rate or (2) a wholesale market rate, whichever is 
    available from time to time.  If you are charged interest, the 
                                             applicable, in effect one day prior to the processing date. 
    charge will be no less than $1.00 (the minimum interest 
                                             We do not determine the currency conversion rate which is 
    charge will appear as �Minimum Charge� in the fees section 
                                             used.  You agree to pay the converted amount in U.S. 
    of your statement).  
                                             funds. In addition, MasterCard will charge us (the Bank) an 
       a. Average Daily Balance. To obtain the daily balance 
                                             international  transaction fee, currently equal to one percent 
    for each Balance Category we take the beginning balance 
                                             (1.00%) of the transaction amount, which we will charge you 
    each day and add new transactions applicable to each 
                                             whether that transaction was originally made in U.S. dollars 
    category, and subtract any payments, credits, and refunds 
                                             or was made in another currency and converted to U.S. 
    applied to the category.  To figure your Average Daily 
                                             dollars. This fee will be shown as a Foreign Transaction Fee 
    Balance for each Balance Category, we add all your daily 
                                             on your statement. 
    balances and divide by the number of days in the billing 
                                              12. Annual Membership Fee. The Wealth Management 
    period. 
                                             World Elite MasterCard Credit Card is subject to an Annual 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             Membership Fee of $295. The Annual Membership Fee will 
    INTEREST CHARGE for each Balance Category  by 
                                             be assessed in the first billing cycle after Account opening 
    multiplying these Average Daily Balances by the applicable 
                                             and annually thereafter. A credit in the amount of the Annual 
    Daily Periodic Rate, and then we multiply the result by the 
                                             Membership Fee (the �AMF Credit�) for the first year will 
    number of days in the billing period. To determine the Daily 
                                             appear on your first billing statement. No later than the first 
    Periodic Rate for each Balance Category, we divide the 
                                             business day of the last month of the quarter preceding the 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             annual anniversary of the Account�s opening date (Annual 
    billing period by 365 (366 for leap year). The way we get the 
                                             Fee Determination Date), the Bank will determine whether 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             or not to apply the AMF Credit by evaluating your month-end 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             Eligible Qualified Balances for the prior 3 consecutive 
       c. Fixed Rate. For the first six months (Introductory 
                                             months selected by the Bank. The AMF Credit will be 
    Period) your interest rate for Purchases on your Account is 
                                             applied if you maintain month-end Eligible Qualified 
    equal to 0.00% APR; thereafter, your interest rate for 
                                             Balances of $250,000 or more, as calculated by the Bank, in 
    Purchases will apply.  There is no introductory rate for 
                                             any one of the prior 3 consecutive months used to evaluate 
    Balance Transfers or Cash Advances.  
                                             eligibility.  If you do not qualify for the AMF Credit, within 90 
       d. Variable Rate. The current Annual Percentage Rate 
                                             days of the fee being charged, you can increase your 
    for all variable rates  is shown on the Account Opening 
                                             Eligible Qualified Balances or close your Account and 
    Disclosure which has been provided to you with this 
                                             request to have the AMF Credit applied retroactively.  
    Agreement. The Daily Periodic Rate and the corresponding 
                                              The term �Eligible Qualified Balances� used in this 
    Annual Percentage Rate may change each month on the 
                                             Agreement means and shall include (i) deposits and 
    first day of each of your billing cycles. Each date on which 
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    BW-WECCAG (11/2015) 
      
    investments maintained with the Bank, including those    (1) You may use your Card at a Bank of the West or 
    maintained with the Bank�s Investment Management or  any Network ATM to: 
    Trust Services departments, and (ii) investment balances     (a) Get a Cash Advance from your Credit Card 
    with the Bank�s affiliate, BancWest Investment Services,  account. 
    Inc. Eligible Qualified Balances may be owned by you     (b) Get your Credit Card account balances. These 
    directly, or held in any trust controlled by you as settlor and  balances may not include some transactions recently made 
    trustee. Deposits or investments held by business entities  in your Credit Card account. Some of the services described 
    that are wholly-owned and controlled by you may also be  in subparagraphs (a) and (b) may not be available at all 
    included. Eligible Qualified Balances do not include any  Network ATMs. 
    account prohibited by law or which the inclusion of may     (c) You may use your Card at a POS terminal to 
    result in a breach of any fiduciary duty, law or regulation,  purchase certain merchandise. The amount of your 
    including the Employee Retirement Income Security Act of  purchase will automatically be charged to your Credit Card 
    1974 (�ERISA�).                          account as a Purchase. 
      13. Other Fees. As allowed by law, we may charge, and  c. Limits of Automated Terminal Services  -  Cash 
    you agree to pay, fees for certain services or requests made  Advances. You may get a Cash Advance from a Bank of 
    by you, such as but not limited to: Automated Teller Machine  the West Automated Terminal up to an aggregate amount of 
    (�ATM�) transactions conducted at machines not operated  $1,000 each calendar day, provided that this amount does 
    by us, requests for copies of billing statements, sales drafts,  not exceed your Credit Limit. This amount may be less for 
    or other records of your Account, or if you request a  Cash Advances from Network ATMs. 
    replacement card(s).  However, we will not charge fees for  d. Card and Secret Code  (PIN)  Use. You are 
    copies of documents requested for a billing dispute.  These  responsible for all transactions in which you use your Card 
    fees may change from time to time.  We will inform you of  in an automated terminal, or the use of the Card by anyone 
    the fee(s) that you will incur prior to when the applicable  else who uses it with your permission. Security in use of the 
    service(s) is(are) provided or when you make the request(s),  Card is provided by the secret code, which we will provide 
    as applicable. You authorize us to charge your Credit Card  you, and the magnetically encoded stripe on the Card. You 
    account for any such fees that you incur. We reserve the  are responsible for  keeping the Card safe and also  for 
    right to waive a fee from time to time but a waiver does not  protecting the secret code. Use the Card and the secret 
    mean we will continue to waive such fee in the future.  code only as instructed at all times. Please notify us of any 
                                            mechanical or operating failure in connection with the use of 
      14.  Default. We may declare the entire balance for all 
                                            your Card. Do not permit anyone else to use your Card and 
    Credit Card accounts due and payable at once with or 
                                            do not disclose your secret code or record it on the Card. 
    without notice or demand if any of these events (a �Default�) 
                                            The Card remains the property of the Bank and can be 
    happens: 
                                            revoked and repossessed at any time. You must return it to 
       a. If you miss a payment under this Agreement or any 
                                            us when asked. 
    other obligation you owe us; or 
       b. If you violate any terms of this Agreement.  e. Fees for Using Automated Terminal Services. 
     If you are in Default, we may terminate your Credit Card  Fees may be charged for transactions made at automated 
    account, make no more additional loans, and require you to   teller machines not operated by us as described in 
    immediately repay the entire unpaid balance of all amounts  paragraph 13-Other Fees. 
    due on your Credit Card account, including but not limited to  16. Lost or Stolen Card; Your Liability for 
    all loan amounts, late charges and other charges assessed  Unauthorized Use. Tell us AT ONCE if you believe your 
    but not paid, and all of the INTEREST CHARGES accrued  Card has been lost or stolen. Telephoning is the best way of 
    but not paid. If we terminate your Credit Card account, your  keeping your possible losses down. 
    obligation to repay the amounts you already owe us would  You may be liable for the unauthorized use of your Card 
    continue.                               as a credit card. You will not be liable for unauthorized use 
     At our option, we may also take action short of terminating  of your Card as a credit card which occurs after you notify 
    your Credit Card account. If your required minimum  us at the telephone number or address stated in paragraph 
    payment (shown on your periodic statement as �Minimum  17, orally or in writing, of loss, theft, or possible unauthorized 
    Payment Due�) is not received within 60  days of the  use. In any case, your liability for unauthorized use of your 
    Payment Due Date, your ANNUAL PERCENTAGE RATE  Card as a credit card will not exceed $50.00. 
    for all balances will be a variable rate equal to the sum of  17.  Where to Call or Write. If you believe your Card has 
    the Current Index plus a �Rate Spread� of 26.74 percentage  been lost or stolen or that someone is using your Card or 
    points (Penalty Rate).  You will be provided with a notice 45  Credit Card account without your permission, call: 1-866-
    days in advance of the effective date of the change in  218-4959 (for TTY/TDD call 1-800-659-5495) or write to: 
    Annual Percentage Rate.  Your payments under this  Bank of the West, BankCard Security Department, PO Box 
    Agreement, including the amount of the  INTEREST  2078, Omaha, NE 68103-2078.  
    CHARGE, will increase as a result of the increase in your  18.  Our Business Days. Our business days are Monday 
    ANNUAL PERCENTAGE RATE, and any such increase in  through Friday, except for bank holidays. 
    your ANNUAL PERCENTAGE RATE will be shown on your  19.  Credit Investigation and Disclosure. You authorize 
    next periodic statement. We may reinstate your ANNUAL  us, both now and in the future, to check your credit and 
    PERCENTAGE RATE to the rate set forth in this Agreement  employment history and to release information about our 
    once you have made at least your Minimum Payment Due  credit experience with you in response to legitimate credit 
    for (6) consecutive billing periods immediately following the  inquiries. If you believe that we have incorrect information or 
    effective date of the Penalty Rate.  If we take such lesser  have reported inaccurate information about you to a credit 
    action initially, we reserve the right to terminate your Credit  bureau, please call us at 1-866-218-4959 (for TTY/TDD call 
    Card account and accelerate all amounts due under this  1-800-659-5495). 
    Agreement regardless of whether any additional events  20. Security Interest. We have no security for any 
    have occurred which would permit termination and  amounts which become due under this Agreement, even 
    acceleration.                           though any other agreement you may have with us, such as 
      15.  Automated Terminal Services      a mortgage, may provide for such a security interest, unless 
       a. Automated Terminals. You may use your Card in  you have given us a specific security interest in connection 
    the following automated terminals:      with this Agreement, which is described on the Supplement 
         (1) Any Bank of the West automated teller machines.  attached to this Agreement. 
         (2) Any other automated teller machine that is  21.  Collection. You promise to pay all collection costs, 
     participating in a network and accepts our Card (�Network  including, without limitation, mailgram charges, reasonable 
     ATM�) and                              lawyers� fees and court costs, as permitted by law. 
          (3) Any point-of-sale terminal that accepts our Card  22.  If There are More Than One of You. Each of you 
    (�POS terminal�).                       individually, or all of you together, will be liable under this 
       b. Services Available at an Automated Terminal  Agreement. We may collect from or sue any one of you, or 
                                            make any settlements or extensions with any one of you, 
    M-116835       
    BW-WECCAG (11/2015) 
      
    without giving up our rights against the other. You  canceled by you or us, your obligation is to repay amounts 
    understand that any one of you can make Purchases, get  you already owe under this Agreement.  In either case, the 
     Cash Advances, or perform Balance Transfers under this  account will be closed and you will no longer have access to 
     Agreement which will be binding upon all of you.  the account. 
      23.  No Waiver of Rights. If we choose to waive any of  26.  Governing Law. This Agreement will be governed by 
     the terms or conditions of this Agreement on a case-by-case  the laws of the State of Nebraska, and, as applicable, 
     basis, such as by not declaring the entire balance due when  federal law, regardless of where the transactions are made. 
     the minimum monthly payment has not been made on time,  27. Monitoring/Recording Telephone Calls.  Our 
     it does not mean that we have waived, or given up, our right  supervisory personnel may listen to and record your 
     to exercise any of our rights or remedies under this  telephone calls to us for the purpose of monitoring and 
     Agreement in the future. We are not required to use any  improving the quality of service you receive. 
     particular kind of demand or notice in order to collect  28.  Severability.  All other provisions of this Agreement 
     amounts due to us under this Agreement. No indulgence or  shall remain in full force even if one or more provisions of 
     acceptance by us of delinquent or partial payments  this Agreement are held invalid, illegal, void or 
     constitute a waiver of our rights or of any provision of this  unenforceable by any rule or law, administrative order or 
     Agreement. No waiver of any existing default shall be  judicial decision. 
     deemed to waive any subsequent default.   29. Our Communications with You 
      24.  Changing Terms.  We can change, add to, delete or  You agree that we, any of our affiliates, agents, 
    otherwise modify the terms of this Agreement at any time in  independent contractors or service providers may monitor 
    any way permitted by law. We will send you a notice of  and record telephone calls regarding your banking services 
    change at least 45 days (or as required by applicable law)  to assure the quality of our service or for other reasons. You 
    before the effective date of the change. We do not have to  expressly consent that we, any of our affiliates, agents, 
    send you an advance notice of the change if it favors you,  independent contractors or service providers may use 
    such as by reducing rates, or increasing the maximum credit  written, electronic, or verbal means, or  any other medium, 
    limit.  Except in cases where we are changing terms due to  as permitted by law and including, but not limited to, mail 
    the Minimum Payment Due not being received within 60  and facsimile, to contact you. Your consent includes, but is 
    days of the Payment Due Date, you agree that the change  not limited to, contact by manual calling methods, 
    may cover all transactions made 15 days after we mail the  prerecorded or artificial voice messages, text messages, e-
    notice. If you do not agree to the change, a method for  mails and/or automatic telephone dialing systems. You 
    rejecting the change and closing the account will be  agree that we, any of our affiliates, agents, independent 
    provided in the Change of Terms Notice.   You agree that if  contractors or service providers may contact you by using 
    you use your card after the effective date of the change, this  any e-mail or any telephone number you provide, including a 
    will constitute your agreement with the change.  telephone number for a cellular phone or other wireless 
     25.  Canceling this Agreement.  We have the right to  device, regardless of whether you incur any charges as a 
    cancel this Agreement at any time by sending a notice to  result.   
    any one of you in writing. You also have the same right to   
    cancel this Agreement at any time by sending us a notice in   
    writing or calling the BankCard Center at 1-866-218-4959 
    (for TTY/TDD call 1-800-659-5495). If this Agreement is 
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                 under the Fair Credit Billing Act 
                                           .
    What To Do If You Find a Mistake on Your Statement  �  We cannot try to collect the amount in question, or 
    If you think there is an error on your statement, write to us  report you as delinquent on that amount. 
    at:                                        �  The charge in question may remain on your 
       Bank of the West                          statement, and we may continue to charge you 
       BankCard Customer Service Department      interest on that amount. 
       PO Box 2319                             �  While you do not have to pay the amount in 
       Omaha, NE 68172-9793                      question, you are responsible for the remainder of 
    In your letter, give us the following information:  your balance. 
      �  Account information: Your name and account  �  We can apply any unpaid amount against your 
         number.                                 credit limit. 
      �  Dollar amount: The dollar amount of the suspected  After we finish our investigation, one of two things will 
         error.                             happen: 
      �  Description of problem: If you think there is an error  �  If we made a mistake: You will not have to pay the 
         on your bill, describe what you believe is wrong and  amount in question or any interest or other fees 
         why you believe it is a mistake.        related to that amount. 
    You must contact us:                       �  If we do not believe there was a mistake: You will 
      �  Within 60 days after the error appeared on your  have to pay the amount in question, along with 
         statement.                              applicable interest and fees.  We will send you a 
      �  At least 3 business days before an automated  statement of the amount you owe and the date 
         payment is scheduled, if you want to stop payment  payment is due.  We may then report you as 
         on the amount you think is wrong.       delinquent if you do not pay the amount we think 
    You must notify us of any potential errors in writing.  You  you owe. 
    may call us, but if you do we are not required to investigate  If you receive our explanation but still believe your bill is 
    any potential errors and you may have to pay the amount in  wrong, you must write to us within 10 days telling us that you 
    question.                               still refuse to pay.  If you do so, we cannot report you as 
                                            delinquent without also reporting that you are questioning 
    What Will Happen After We Receive Your Letter  your bill.  We must tell you the name of anyone to whom we 
    When we receive your letter, we must do two things:  reported you as delinquent, and we must let those 
    1.  Within 30 days of receiving your letter, we must tell you  organizations know when the matter has been settled 
       that we received your letter.  We will also tell you if we  between us. 
       have already corrected the error.    If we do not follow all of the rules above, you do not have to 
    2.  Within 90 days of receiving your letter, we must either  pay the first $50 of the amount you question even if your bill 
       correct the error or explain to you why we believe the bill  is correct. 
       is correct.  While we investigate whether or not there   
       has been an error: 
    M-116835       
    BW-WECCAG (11/2015) 
      
    Your Rights If You Are Dissatisfied With Your Credit 
     Card Purchases 
      If you are dissatisfied with the goods or services that you 
     have purchased with your credit card and you have tried in 
    good faith to correct the problem with the merchant, you 
    may have the right not to pay the remaining amount due on 
    the purchase. 
      
    To use this right, all of the following must be true: 
    1.  The purchase must have been made in your home state 
       or within 100 miles of your current mailing address, and 
       the purchase price must have been more than $50.  
       (Note: Neither of these are necessary if your purchase 
       was based on an advertisement we mailed to you, or if 
       we own the company that sold you the goods or 
       services.) 
    2.  You must have used your credit card for the purchase.  
       Purchases made with cash advances from an ATM or 
       with a check that accesses your credit card account do 
       not qualify. 
    3.  You must not yet have fully paid for the purchase. 
     
     If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West  
       BankCard Customer Service Department 
       PO Box 2319  
       Omaha, NE 68172-9793 
     
     While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services obtained pursuant hereto or with the proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
     
    M-116835       
    BW-WECCAG (11/2015) 
                                                                         
     
                        Interest Rates, Interest Charges, and Fees � Secured Credit Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          21.24% 
     (APR) for Purchases 
                            This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  21.24% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies              
                            This APR will vary with the market based on the Prime Rate. 
                          
                            This APR may be applied to your account if your payment is more than 60 days past 
                            the Payment Due Date. 
                          
                            How Long Will the Penalty APR Apply? The Penalty APR will apply until you 
                            make six consecutive minimum payments when due beginning with the payment 
                            following the commencement of the Penalty APR. 
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at  
     Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           $25 
     Transaction Fees      
                           
        �  Balance Transfer  Either $5 or 3% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State. See next page for details.).  
      
        �  Returned Payment  Up to $35 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Secured Credit Card Agreement for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Secured Credit Card Agreement. 
     
     Late Payment fee for Iowa residents is $15. For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due, 
     the fee will be equal to the Minimum Payment Due. 
     
     Continued on next page. 
     
      
                                                                         
      
      
     Returned Payment fee for Iowa residents is $19.95. For other states the fee is $25 for the first violation and $35 for each 
     subsequent violation within the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment 
     Due, the fee will be equal to the Minimum Payment Due. 
      
     SECURITY INTEREST: Information on the security interest you provided on the deposit account that secures your Credit 
     Card account is provided in your Secured Credit Card Agreement. 
       
      In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
     
                                                                                   
                                        SECURED CREDIT CARD AGREEMENT  
                                                                       (Personal Account) 
                                             
                                    ?  
     By requesting or accepting a Secured MasterCard  Credit  3. Temporary Reduction of Credit Limit.  Merchants, 
        
     Card account (�Credit Card account� or �Account�) with Bank  such as car rental companies and hotels, may request prior 
     of the West, you agree to be bound by all the terms of this  credit approval from us for an estimated amount of your 
     Agreement. In this Agreement, the words �you� or �your�  Purchases, even if you ultimately do not pay by credit. If our 
     mean everyone who has requested or accepted a Credit  approval is granted, your available Credit Limit will 
     Card account with us. The words �we,� �us,� �our,� or �Bank�  temporarily be reduced by the amount authorized by us.  If 
     mean Bank of the West.  If you do not accept this  you do not ultimately use your Credit Card account to pay 
     Agreement, you must notify us in writing within 5 days after  for your Purchases or if the actual amount of Purchases 
     receipt.  Use of your card or any feature (including a balance  posted to your Credit Card account varies from the 
     transfer) of your  Credit Card Agreement shall  constitute  estimated amount approved by us, it is the responsibility of 
     acceptance of this Agreement.          the merchant, not us, to cancel the prior credit approval 
      1. Use. Your Credit Card account card (�Card�) may be  based on the estimated amount. The failure of the merchant 
    used as a credit card for purchases of goods or services  to cancel a prior credit approval may result in a temporary 
    from participating merchants (�Purchases�) or to get Cash  reduction of your available Credit Limit, but will not increase 
    Advances from us or any other financial institution displaying  the amount you owe us under this Agreement. 
    the �MasterCard�� logo, or to purchase certain items such as  4. Agreement to Pay. When you use your Card or Credit 
    traveler's cheques, foreign currency, money orders, wire  Card account, or when you permit anyone to use it, you 
    transfers, lottery tickets, and (except as noted below) funds  agree to pay the amount of any and all transactions 
    to be used for wagers or gambling (all of which are  (including any which may have been made in violation of this 
    collectively referred to as �Cash Advances�) up to your  Agreement), and the INTEREST CHARGES, and fees that 
    Credit Limit; provided, however, you may not use your Card  may become due as shown on the periodic statement. You 
    (i) to make Purchases or obtain Cash Advances for any  agree that we may change or cancel your Credit Card 
    illegal transaction, or (ii) for any internet or online gambling  Account at any time without affecting your obligation to pay 
    transactions.  Transactions for online or internet gambling  the amounts that you owe under this Agreement.  
     will not be approved.  If you use your Card for any illegal or  5. Periodic Statement. Each month we will send you a 
     prohibited transaction, this Agreement also applies to such  periodic statement for each Credit Card account you have 
     transaction and you agree to pay any and all amounts  with us covering the previous billing period. We may not 
     related to such transaction pursuant to the terms of this  send you a statement if your balance is less than $1 and 
     Agreement. We may, in our sole discretion, restrict the use  there were no transactions during the billing period. The 
     of or terminate your Card if we notice excessive use of your  statement will have a �Statement Period Date�, �Statement 
     Card or other suspicious activities or if we reasonably  Closing Date� and a �Payment Due Date,� and will show, 
     believe the Card is or has been used for one or more illegal  among other things, your �Previous Balance,� your �New 
     or prohibited transactions. You can also obtain a Cash  Balance,� and your minimum monthly payment, which will be 
     Advance by writing a special MasterCard check  shown as �Minimum Payment Due.� 
     (�Convenience Check�).  The Cash Advance will be posted  6. Payment. You must make a payment by the �Payment 
     to your Credit Card account when the Convenience Check  Due Date.� You have two choices: You may pay the entire 
     reaches us. If you stop payment on a Convenience Check,  �New Balance� or you may pay in installments by paying at 
     your Credit Card account will be charged $16.00 (or as  least the �Minimum Payment Due.� When your payment is 
     permitted by law) for each stop payment. We may designate  properly received, we will allocate your payment in a manner 
     that only a portion of your Credit Limit is available for Cash  we determine except as otherwise required by law.  The 
     Advances. In addition, you may request that we pay other  Minimum Payment is applied first to fees, then to 
     creditors on your behalf and transfer approved amounts to  INTEREST CHARGES and finally to principal. We apply the 
     your Account (�Balance Transfers�).    Minimum Payment to balances with lower APRs, including 
     Your Card may also be used in certain automated  introductory APRs, before balances with higher APRs. 
    terminals to gain access to your Credit Card accounts. We  Payments made in excess of the Minimum Payment will be 
    have no responsibility for the failure of any machine,  applied first to balances with the highest Annual Percentage 
    merchant, financial institution, or any other party to honor  Rate and then to each successive balance bearing the next 
    your Card. Your Card and Credit Card account may be used  highest Annual Percentage Rate.  
    only for valid and lawful purposes. If you use or allow    Payments must be mailed to the BankCard Center 
    someone else to use the Card or Credit Card account for  address specified in your periodic statement. Payments 
    any other purpose, you will be responsible for such use and  must reach our BankCard Center during our regular 
    may be required to reimburse us for all amounts or  business day in order to be credited on that date.  Payments 
    expenses we pay as a result of such use.  received after the cutoff times of 5:00 p.m. PT are credited 
     2. Credit Limit.   Your Credit Limit for  the Credit Card  as of the following business day. If you make a payment by 
    account you have with us will be based on the amount  any means other than mail to our BankCard Center crediting 
    described in paragraph 20. You agree that your total  of the payment may be delayed.  If you fail to properly make 
    charges, including Purchases, Cash Advances, Balance  payments, crediting such payments may be delayed. Your 
    Transfers, INTEREST CHARGES, and fees that may be  total available credit may not be restored for up to 15 days 
    due will not exceed your Credit Limit. If you do go over your  after we receive your payment.    
    Credit Limit, you must repay the excess amount   
    immediately, and we may reduce the available Credit Limit 
                                               If a payment is returned to us for any reason, we may 
    of any other Credit Card account you have with us until such 
                                            apply a Returned Payment Fee of $25 for the first violation 
    time the excess amount is repaid.  You may apply to 
                                            and $35 for each subsequent violation within the next six 
    increase your Credit Limit at any time but we are not 
                                            billing cycles. The Returned Payment Fee for Iowa residents 
    obligated to increase your Credit Limit at any time. 
                                            is $19.95.  If the Returned Payment Fee is greater than the 
    Furthermore, we reserve the right to lower your Credit Limit 
                                            Minimum Payment Due, the fee will be equal to the 
    at any time. For security reasons, we may limit the number 
                                            Minimum Payment Due.  
    or amount of transactions that may be accomplished with 
                                               From time to time, we may let you skip or reduce one or 
    your Card or Credit Card account, and we have the right to 
                                            more monthly payments during a year and/or we may 
    limit authorizations to make transactions if we consider it 
                                            temporarily reduce or eliminate certain  INTEREST 
    necessary to verify Payments received on your Credit Card 
                                            CHARGES on all or a portion of your Credit Card account 
    account.  If we accept a payment from you in excess of your 
                                            balance or offer you other special terms. If we do, we will 
    outstanding balance, your available Credit Limit will not be 
                                            advise you of the scope and duration of the applicable skip 
    increased by the amount of the overpayment nor will we be 
                                            or promotional feature. When the skip or promotional 
    required to authorize transactions for an amount in excess 
    of your Credit Limit. 
    M-114761 
    BW-SCCAG (REV. 04/2015)  
     
      
    feature ends, your regular rates and all the terms of the  points. Immediately before each Change Date we will 
    Agreement will resume.                   determine the new interest rate by adding the Rate Spread 
      7. Minimum Payment- Late Payment Fee. At least the  to the Current Index. The new interest rate will become 
     amount of the �Minimum Payment Due� must be received by  effective at the start of your first billing cycle after the 
     us by the �Payment Due Date.� If it is not, we may apply a  Change Date. Only one Annual Percentage Rate and Daily 
     Late Payment fee of $25 for the first violation and $35 for  Periodic Rate will be in effect for each Balance Category 
     each subsequent violation within the next six billing cycles.   during the billing period. The Annual Percentage Rate will 
     The Late Payment fee for Iowa residents is $15.  If the Late  not exceed the maximum rate permitted by law. The effect 
     Payment fee is greater than the Minimum Payment Due, the  of any increase in the Annual Percentage Rate and the Daily 
     fee will be equal to the Minimum Payment Due.  If such  Periodic Rate would be to increase the amount of 
     charge would result in an INTEREST CHARGE greater than  INTEREST CHARGE or interest you must pay and thus 
     the maximum allowed by law, we will only charge the  increase your monthly payments. 
     maximum allowable rate. Your Minimum Payment Due will  10. Transaction Fees. You also agree to pay us the 
     be 3% of the New Balance plus any Late Payment fee (with  appropriate fees listed below (as permitted by applicable 
     a minimum of the lesser of $25 or your New Balance) and  law) which may be amended from time to time by us. You 
     any amount over your credit limit and past due amount.  authorize us to charge your Credit Card account for the 
                                             following fees due to us. Balance Transfer fee: 3.00% of 
      8. How to Avoid Paying Interest on Purchases. There 
                                             each balance transferred, $5 minimum. Cash Advance fee: 
     may be different treatment of  INTEREST CHARGES for 
                                             4.00% of each Cash Advance, $10 minimum.  
     Purchases, Balance Transfers, and Cash Advances, even 
                                              11.   Foreign  Transaction  Fee. Transactions that you 
     though they are computed the same way. You may avoid 
                                             make in a foreign currency or that you make outside of the 
     paying an INTEREST CHARGE on Purchases if we receive 
                                             United States of America even if it is made in U.S. dollars 
     the entire New Balance by the Payment Due Date. If we do 
                                             are considered foreign transactions.  If you make  a 
     not receive the entire New Balance by the Payment Due 
                                             transaction in a foreign currency it will be billed to you in 
     Date, the INTEREST CHARGE will be charged on the 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
     Purchases from the date of the transaction.  INTEREST 
                                             determined by Visa International or MasterCard International 
     CHARGES on all other balances, including Cash Advances 
                                             in accordance with their operating regulations or conversion 
     and Balance Transfers, begin on the transaction date and 
                                             procedures in effect at the time the transaction is 
     will be assessed even if your entire New Balance is paid by 
                                             processed. Currently, their regulations and procedures 
     the Payment Due Date. 
                                             provide that the currency conversion rate they use is either 
      9. Computing Your INTEREST CHARGE. We figure the 
                                             (1) a government-mandated rate or (2) a wholesale market 
     INTEREST CHARGE on each Credit Card account by 
                                             rate, whichever is applicable, in effect one day prior to the 
     applying the periodic rate to the �Average Daily Balance� of 
                                             processing date. We do not determine the currency 
     each Balance Category on the Credit Card account, 
                                             conversion rate which is used.  You agree to pay the 
     including current transactions. Balance Categories include 
                                             converted amount in U.S. funds. In addition, Visa or 
     Purchases, Balance Transfers, Cash Advances, 
                                             MasterCard will charge us (the Bank) an international 
     Introductory Rates and any special rate offers we may make 
                                             transaction fee, currently equal to one percent (1.00%) of 
     available from time to time.  If you are charged interest, the 
                                             the transaction amount. We will charge you the international 
     charge will be no less than $1.00 (the minimum interest 
                                             transaction fee imposed on us plus an additional  two 
     charge will appear as �Minimum Charge� in the fees section 
                                             percent (2.00%) of the transaction amount whether that 
     of your statement).  
                                            transaction was originally made in U.S. dollars or was made 
       a. Average Daily Balance.  To obtain the daily balance 
                                            in another currency and converted to U.S. dollars.  These 
     for each Balance Category we take the beginning balance 
                                            two fees will be aggregated and shown as one  Foreign 
     each day and add new transactions applicable to each 
                                            Transaction Fee on your statement. 
     category, and subtract any payments, credits, and refunds 
                                             12. Annual Fee. We will assess an Annual Cardholder 
     applied to the category.  To figure your Average Daily 
                                             Fee of $25 for each year your account is open, whether or 
     Balance for each Balance Category, we add all your daily 
                                             not you use your account and regardless of the number of 
     balances and divide by the number of days in the billing 
                                             cards issued on your account. You can avoid the Annual 
     period. 
                                             Cardholder Fee if you terminate your Account within 30 days 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             after the date of the periodic statement in which the Annual 
    INTEREST CHARGE for each Balance Category  by 
                                             cardholder fee is posted. Otherwise, the Annual Cardholder 
     multiplying the Average Daily Balances by the applicable 
                                             fee will not be refunded in whole or in part and shall be owed 
    Daily Periodic Rate, and then we multiply the result by the 
                                             to us by you even if your account is subsequently changed, 
     number of days in the billing period. To determine the Daily 
                                             suspended, closed or terminated for any reason. 
     Periodic Rate for each Balance Category, we divide the 
                                              13. Other Fees. As allowed by law, we may charge, and 
     applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             you agree to pay, fees for certain services or requests made 
     billing period by 365 (366 for leap year). The way we get the 
                                            by you, such as but not limited to: Automated Teller Machine 
     ANNUAL PERCENTAGE RATE for each Balance Category 
                                            (�ATM�) transactions conducted at machines not operated 
     described below under �Variable Rate.� 
                                            by us, requests for copies of billing statements, sales drafts, 
       c. Variable Rate. The current Annual Percentage Rate 
                                            or other records of your Account, or if you request a 
     for all variable rates  is  shown on the Account Opening 
                                            replacement card(s).  However, we will not charge fees for 
     Disclosure which has been provided to you with this 
                                            copies of documents requested for a billing dispute.  These 
     Agreement. The Daily Periodic Rate and the corresponding 
                                            fees may change from time to time.  We will inform you of 
     Annual Percentage Rate may change each month on the 
                                            the fee(s) that you will incur prior to when the applicable 
     first day of each of your billing cycles. Each date on which 
                                            service(s) is(are) provided or when you make the request(s), 
     the rate of interest could change is called a �Change Date.� 
                                            as applicable. You authorize us to charge your Credit Card 
     Changes will be based on changes in the �Index.� The Index 
                                            account for any such fees that you incur. We reserve the 
     is the highest Prime Rate published in the �Money Rates� 
                                            right to waive a fee from time to time but a waiver does not 
     table of The Wall Street Journal. If the Index is no longer 
                                            mean we will continue to waive such fee in the future.  
     available, we will choose a new index which is based upon 
                                              
     comparable information and will give you notice of our 
                                              14.  Default. We may declare the entire balance for    the 
     choice. The Index figure published on the second Tuesday 
                                             Credit Card accounts due and payable at once with or 
     (or on the next business day if the second Tuesday is a 
                                             without notice or demand if any of these events (a �Default�) 
     holiday) each month is called the �Current Index.� Your 
                                             happens: 
     interest rate for Purchases and Balance Transfers on your 
                                               a. If you miss a payment under this Agreement or any 
     Credit Card account is based on a variable rate equal to the 
                                            other obligation you owe us; or 
     sum of the Current Index plus a �Rate Spread� of 17.74 
                                               b. If you violate any terms of this Agreement. 
     percentage points. The interest rate for Cash Advances on 
                                               If you are in Default, we may terminate your Credit Card 
     your Account is based on a variable rate equal to the sum of 
                                            account, make no more additional loans, and require you to 
     the Current Index plus a �Rate Spread� of 21.74 percentage 
    M-114761 
    BW-SCCAG (REV. 04/2015)  
     
      
    immediately repay the entire unpaid balance of all amounts  16. Lost or Stolen Card; Your Liability for 
    due on your Credit Card account, including but not limited to  Unauthorized Use. Tell us AT ONCE if you believe your 
    all loan amounts, late charges and other charges assessed  Card has been lost or stolen. Telephoning is the best way of 
    but not paid, and all of the INTEREST CHARGES accrued  keeping your possible losses down. 
     but not paid. If we terminate your Credit Card account, your  You may be liable for the unauthorized use of your Card 
     obligation to repay the amounts you already owe us would  as a credit card. You will not be liable for unauthorized use 
    continue.                               of your Card as a credit card which occurs after you notify 
       At our option, we may also take action short of  us at the telephone number or address stated in paragraph 
     terminating your Credit Card account. If your required  17, orally or in writing, of loss, theft, or possible unauthorized 
     minimum payment (shown on your periodic statement as  use. In any case, your liability for unauthorized use of your 
    �Minimum Payment Due�) is not received within 60 days of  Card as a credit card will not exceed $50.00. 
    the Payment Due Date, your ANNUAL PERCENTAGE  17.  Where to Call or Write. If you believe your Card has 
    RATE for all balances will be a variable rate equal to the  been lost or stolen or that someone is using your Card or 
    sum of the Current Index plus a �Rate Spread� of 26.74  Credit Card account without your permission, call: 
    percentage points (Penalty Rate). You will be provided with  1-800-996-2638 (for TTY/TDD call 1-800-659-5495) or write 
    a notice 45 days in advance of the effective date of the  to: Bank of the West, BankCard Security Department, PO 
    change in Annual Percentage Rate.  Your payments under 
                                            Box 2078 Omaha, NE 68103-2078   
    this Agreement, including the amount of the  INTEREST 
                                              18.  Our Business Days. Our business days are Monday 
    CHARGE, will increase as a result of the increase in your 
                                            through Friday, except for bank holidays. 
    ANNUAL PERCENTAGE RATE, and any such increase in 
                                             19.  Credit Investigation and Disclosure. You authorize 
    your ANNUAL PERCENTAGE RATE will be shown on your 
                                            us, both now and in the future, to check your credit and 
    next periodic statement. We will reinstate your Daily Periodic 
                                            employment history and to release information about our 
    Rate and ANNUAL PERCENTAGE RATE to the rate set 
                                            credit experience with you in response to legitimate credit 
    forth in this Agreement once you have made at least your 
                                            inquiries. If you believe that we have incorrect information or 
    Minimum Payment Due for  six (6) consecutive billing 
                                            have reported inaccurate information about you to a credit 
    periods immediately following the effective date of the 
                                            bureau, please call us at 1-800-996-2638 (for TTY/TDD call 
    Penalty Rate.  If we take such lesser action initially, we 
                                            1-800-659-5495).  As required by law, you are hereby 
    reserve the right to terminate your Credit Card account and 
                                            notified that a negative credit report reflecting on your credit 
    accelerate all amounts due under this Agreement regardless 
                                            history may be submitted to a credit reporting agency if you 
    of whether any additional events have occurred which would 
                                            fail to fulfill the terms of your credit obligations. 
    permit termination and acceleration.  
                                             20. Security Interest .   This  Credit  Card account  is 
     15.  Automated Terminal Services 
                                             secured by a deposit account (�Deposit Account�) in your 
       a. Automated Terminals. You may use your Card in 
                                             name only with Bank of the West.  The amount  you 
    the following automated terminals: 
                                             deposited in the Deposit Account (subject to the minimum 
         (1) Any Bank of the West automated teller machines. 
                                             amount required and maximum  amount allowed by the 
         (2) Any other automated teller machine that is 
                                             Bank) is your credit limit.  The Deposit Account will be used 
    participating in a network and accepts our Card (�Network 
                                             as collateral to secure the obligations you incur in 
    ATM�) and 
                                             connection with your Credit Card account. You grant the 
          (3) Any point-of-sale terminal that accepts our Card 
                                             Bank a security interest in, and assign to the Bank, all funds 
    (�POS terminal�). 
                                             in your Deposit Account.  You agree that you will be bound 
       b. Services Available at an Automated Terminal 
                                             by the agreement (�Deposit Account Agreement�) for your 
         (1) You may use your Card at a Bank of the West or 
                                             Deposit Account and that your Deposit Account is subject to 
    any Network ATM to: 
                                             this Agreement. You grant the Bank exclusive control over 
          (a) Get a Cash Advance from your Credit Card 
                                             the Deposit Account, the right to redeem, collect and 
    account. 
                                             withdraw any part or the full amount of the Deposit Account 
          (b) Get your Credit Card account balances. These 
                                             upon any default under this Agreement or if your Credit Card 
    balances may not include some transactions recently made 
                                             account is closed for any reason. The Bank may apply funds 
    in your Credit Card account. Some of the services described 
                                             in the Deposit Account to pay off any balance on the Credit 
    in subparagraphs (a) and (b) may not be available at all 
                                             Card account if the Credit Card account is closed for any 
    Network ATMs. 
                                             reason. You may not make or otherwise arrange for any 
          (c) You may use your Card at a POS terminal to 
                                             deposits to or withdrawals from the Deposit Account while 
    purchase certain merchandise. The amount of your 
                                             the Deposit Account secures your Credit Card account. The 
    purchase will automatically be charged to your Credit Card 
                                             Deposit Account will not be eligible for Auto-Save or Savings 
    account as a Purchase. 
                                             Overdraft Protection while the Deposit Account secures your 
       c. Limits of Automated Terminal Services  -  Cash 
                                             Credit Card Account. You provide the security interest and 
    Advances. You may get a Cash Advance from a Bank of  assignment as security for any and all amounts you may 
    the West Automated Terminal up to an aggregate amount of  owe (including but not limited to interest, fees and charges 
    $500 each calendar day, provided that this amount does not  which may accrue under your Credit Card account). The 
    exceed your Credit Limit. This amount may be less for Cash  balance of your Deposit Account is only refundable after 
    Advances from Network ATMs.              your Credit Card account is closed and all amounts owed to 
       d. Card and Secret Code (PIN) Use. You are  the Bank are paid (any remaining amount you request to be 
    responsible for all transactions in which you use your Card  refunded may take up to 30 days to be returned to you).  
    in an automated terminal, or the use of the Card by anyone  You agree to pay all charges and follow all practices set 
    else who uses it with your permission. Security in use of the  forth in the Deposit Account Agreement for the Deposit 
    Card is provided by the secret code, which we will provide  Account that secures your Credit Card account and abide by 
    you, and the magnetically encoded stripe on the Card.  all future changes to the terms and charges for the Deposit 
    Please keep the Card safe and also protect the secret code.  Account.   
    Use the Card and the secret code as instructed at all times.  21.  Collection. You promise to pay all collection costs, 
    Please notify us of any mechanical or operating failure in  including, without limitation, mailgram charges, reasonable 
    connection with the use of your Card. Do not permit anyone  lawyers� fees and court costs, as permitted by law. 
    else to use your Card and do not disclose your secret code  22.  If There are More Than One of You. Each of you 
    or record it on the Card. The Card remains the property of  individually, or all of you together, will be liable under this 
    the Bank and can be revoked and repossessed at any time.  Agreement. We may collect from or sue any one of you, or 
    You must return it to us when asked.    make any settlements or extensions with any one of you, 
       e. Fees for Using Automated Terminal Services.  without giving up our rights against the other. You 
    Fees may be charged for transactions made at automated  understand that any one of you can make Purchases, get 
    teller machines not operated by us as described in  Cash Advances, or perform Balance Transfers under this 
    paragraph 12-Other Fees.                Agreement which will be binding upon all of you. 
    M-114761 
    BW-SCCAG (REV. 04/2015)  
     
      
     23  No Waiver of Rights. If we choose to waive any of  26.  Governing Law. This Agreement will be governed by 
    the terms or conditions of this Agreement on a case-by-case  the laws of the State of Nebraska, and, as applicable, 
    basis, such as by not declaring the entire balance due when  federal law, regardless of where the transactions are made. 
    the minimum monthly payment has not been made on time,  27.  Monitoring/Recording Telephone Calls.  Our 
    it does not mean that we have waived, or given up, our right  supervisory personnel may listen to and record your 
    to exercise any of our rights or remedies under this  telephone calls to us for the purpose of monitoring and 
    Agreement in the future. We are not required to use any  improving the quality of service you receive. 
    particular kind of demand or notice in order to collect  28.  Severability.  All other provisions of this Agreement 
    amounts due to us under this Agreement. No indulgence or  shall remain in full force even if one or more provisions of 
    acceptance by us of delinquent or partial payments  this Agreement are held invalid, illegal, void or 
    constitutes a waiver of our rights or of any provision of this  unenforceable by any rule or law, administrative order or 
    Agreement. No waiver of any existing default shall be  judicial decision. 
    deemed to waive any subsequent default.  29. Authorized User.  If you elect to have an authorized 
                                            user, you will be liable for all transactions made by that user 
     24. Changing Terms. We can change, add to, delete or 
                                            on your account. Any authorized user is not a contractually 
    otherwise modify the terms of this Agreement at any time in  liable party. 
    any way permitted by law.  We will send you a notice of  30. Our communications with you.  
    change at least 45 days (or as required by applicable law)     You agree that we, any of our affiliates, agents, 
    before the effective date of the change. We do not have to  independent contractors or service providers may monitor 
    send you an advance notice of the change if it favors you,  and record telephone calls regarding your banking services 
    such as by reducing rates, or increasing the maximum credit  to assure the quality of our service or for other reasons. You 
    limit.  Except in cases where we are changing terms due to  expressly consent that we, any of our affiliates, agents, 
    the Minimum Payment Due not being received within 60  independent contractors or service providers may use 
    days of the Payment Due Date, you agree that the change  written, electronic, or verbal means, or  any other medium, 
    may cover all transactions made 15 days after we mail the  as permitted by law and including, but not limited to, mail 
    notice.  If you do not agree to the change, a method for  and facsimile, to contact you. Your consent includes, but is 
    rejecting the change and closing the account will be  not limited to, contact by manual calling methods, 
    provided in the Change of Terms Notice.   You agree that if  prerecorded or artificial voice messages, text messages, e-
    you use your card after the effective date of the change, this  mails and/or automatic telephone dialing systems. You 
    will constitute your agreement with the change.   agree that we, any of our affiliates, agents, independent 
     25. Canceling this Agreement. We have the right to  contractors or service providers may contact you by using 
    cancel this Agreement at any time by sending a notice to  any e-mail or any telephone number you provide, including a 
    any one of you in writing. You also have the same right to  telephone number for a cellular phone or other wireless 
    cancel this Agreement at any time by sending us a notice in  device, regardless of whether you incur any charges as a 
    writing. If this Agreement is canceled by you or us, your  result.   
    obligation is to repay amounts you already owe under this   
    Agreement, and you must return your Card to us or destroy   
    the card.  In either case, the account will be closed and you   
    will no longer have access to the account. 
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement  �  We cannot try to collect the amount in question, or 
    If you think there is an error on your statement, write to us  report you as delinquent on that amount. 
    at:                                        �  The charge in question may remain on your 
             Bank of the West                    statement, and we may continue to charge you 
             BankCard Customer Service Department  interest on that amount. 
             PO Box 2319                       �  While you do not have to pay the amount in 
             Omaha, NE 68172-9793                question, you are responsible for the remainder of 
       In your letter, give us the following information:  your balance. 
      �  Account information: Your name and account  �  We can apply any unpaid amount against your 
         number.                                 credit limit. 
      �  Dollar amount: The dollar amount of the suspected   
         error.                              After we finish our investigation, one of two things will 
      �  Description of problem: If you think there is an error  happen: 
         on your bill, describe what you believe is wrong and   
         why you believe it is a mistake.      �  If we made a mistake: You will not have to pay the 
       You must contact us:                      amount in question or any interest or other fees 
      �  Within 60 days after the error appeared on your  related to that amount. 
         statement.                            �  If we do not believe there was a mistake: You will 
      �  At least 3 business days before an automated  have to pay the amount in question, along with 
         payment is scheduled, if you want to stop payment  applicable interest and fees.  We will send you a 
         on the amount you think is wrong.       statement of the amount you owe and the date 
    You must notify us of any potential errors in writing  [or  payment is due.  We may then report you as 
    electronically].  You may call us, but if you do we are not  delinquent if you do not pay the amount we think 
    required to investigate any potential errors and you may  you owe. 
    have to pay the amount in question.        
                                              If you receive our explanation but still believe your bill is 
    What Will Happen After We Receive Your Letter  wrong, you must write to us within 10 days telling us that you 
     When we receive your letter, we must do two things:  still refuse to pay.  If you do so, we cannot report you as 
     1. Within 30 days of receiving your letter, we must tell you  delinquent without also reporting that you are questioning 
    that we received your letter.  We will also tell you if we have  your bill.  We must tell you the name of anyone to whom we 
    already corrected the error.            reported you as  delinquent, and we must let those 
     2. Within 90 days of receiving your letter, we must either  organizations know when the matter has been settled 
    correct the error or explain to you why we believe the bill is  between us. 
    correct.  While we investigate whether or not there has   
    been an error: 
      
    M-114761 
    BW-SCCAG (REV. 04/2015)  
     
      
     If we do not follow all of the rules above, you do not have 
    to pay the first $50 of the amount you question even if your 
    bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit 
    Card Purchases 
     If you are dissatisfied with the goods or services that you 
    have purchased with your credit card and you have tried in 
    good faith to correct the problem with the merchant, you 
    may have the right not to pay the remaining amount due on 
    the purchase. 
      
     To use this right, all of the following must be true: 
     1. The purchase must have been made in your home state 
    or within 100 miles of your current mailing address, and the 
    purchase price must have been more than $50.  (Note: 
    Neither of these are necessary if your purchase was based 
    on an advertisement we mailed to you, or if we own the 
    company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase.  
    Purchases made with cash advances from an ATM or with a 
    check that accesses your credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. 
     
     If all of the criteria above are met and you are still 
    dissatisfied with the purchase, contact us in writing at: 
       Bank of the West 
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
      
     While we investigate, the same rules apply to the disputed 
    amount as discussed above.  After we finish our 
    investigation, we will tell you our decision.  At that point, if 
    we think you owe an amount and you do not pay, we may 
    report you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services obtained pursuant hereto or with the proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
    M-114761 
    BW-SCCAG (REV. 04/2015)