Effective as of E?ective as of 
                                                                                                      E?ective as of 
                  Important Terms and Conditions Important Terms and Conditions  October 1, 2010 April 25, 2011
                        Important Terms and Conditions                                              October 1, 2010
              PLATINUM REWARDS VISA CREDIT CARD
     CLASSIC VISA CREDIT CARD               PLATINUM VISA CREDIT CARD
              Interest Rates and Interest Charges
     Interest Rates and Interest Charges    Interest Rates and Interest Charges
              Annual Percentage Rate 
     Annual Percentage Rate  11.90% Fixed Rate  9.90% to 18.00% Annual Percentage Rate  9.90% Fixed Rate 
     CLASSIC VISA CREDIT CARD (APR) for Purchases            PLATINUM VISA CREDIT CARD
     (APR) for Purchases           when you open your account, based on your creditworthiness. After that,  (APR) for Purchases
                                   your APR will vary with the Wall Street Journal�s Highest Published Prime.
     APR for Balance Transfers  Interest Rates and Interest Charges 11.90% Fixed Rate APR for Balance Transfers  9.90% Fixed Rate Interest Rates and Interest Charges
              APR for Balance 
                                   9.90% to 18.00%
     APR for Cash Advances  Transfers 11.90% Fixed Rate APR for Cash Advances  9.90% Fixed Rate
                                   when you open your account, based on your creditworthiness. After that, 
     Annual Percentage Rate  11.90% Fixed Rate               Annual Percentage Rate  9.90% Fixed Rate 
                                   your APR will vary with the Wall Street Journal�s Highest Published Prime.
     Penalty APR and When   None            Penalty APR and When   None 
     (APR) for Purchases                                     (APR) for Purchases
     It Applies                             It Applies
              APR for Cash Advances
                                   9.90% to 18.00%
     Paying Interest  APR for Balance Transfers  Your due date is at least 25 days after  11.90% Fixed Rate Paying Interest  Your due date is at least 25 days after 
                                   when you open your account, based on your creditworthiness. After that,  APR for Balance Transfers  9.90% Fixed Rate
                    the close of each billing cycle. We will    the close of each billing cycle. We will 
                                   your APR will vary with the Wall Street Journal�s Highest Published Prime.
                    not charge you interest on purchases if    not charge you interest on purchases if 
       APR for Cash Advances  you pay your entire balance by the due  11.90% Fixed Rate   you pay your entire balance by the due  APR for Cash Advances  9.90% Fixed Rate
              Penalty APR and When It Applies None
                    date each month. We will begin charging    date each month. We will begin charging 
                    interest on cash advances and balance     interest on cash advances and balance  
     Penalty APR and When   None                             Penalty APR and When   None 
                    transfers on the transaction date.      transfers on the transaction date.
              How to Avoid Paying Interest on  Your due date is at least 25 days after the close of each billing cycle. We 
     It Applies                                              It Applies
              Purchases            will not charge you interest on purchases if you pay your entire balance by 
     Minimum Interest Charge  Not Applicable Minimum Interest Charge  Not Applicable
                                   the due date each month.
     For Credit Card Tips from  Paying Interest  To learn about factors to consider when  Your due date is at least 25 days after  For Credit Card Tips from  To learn about factors to consider when  Paying Interest  Your due date is at least 25 days after 
              Minimum Interest Charge Not Applicable
     the Federal Reserve Board    applying for or using a credit card, visit  the close of each billing cycle. We will  the Federal Reserve Board  applying for or using a credit card, visit    the close of each billing cycle. We will 
                    the website of the Federal Reserve Board at    the website of the Federal Reserve Board at 
              For Credit Card Tips from the  not charge you interest on purchases if  To learn about factors to consider when applying for or using a credit card,    not charge you interest on purchases if 
                    http://www.federalreserve.gov/creditcard   http://www.federalreserve.gov/creditcard
              Federal Reserve Board visit the website of the Federal Reserve Board at 
                           you pay your entire balance by the due                  you pay your entire balance by the due 
     Fees                          http://www.federalreserve.gov/creditcard. Fees
                           date each month. We will begin charging                 date each month. We will begin charging 
     Set-up and Maintenance Fees Fees
                           interest on cash advances and balance   Set-up and Maintenance Fees   interest on cash advances and balance  
     � Annual       None                    � Annual        None
      
     � Account Set-up   Set-up and Maintenance Fees transfers on the transaction date.   transfers on the transaction date.
                    None                    � Account Set-up   None
              � Annual             None
     � Participation   None                 � Participation   None
              � Account Set-up     None 
     � Additional Card   Minimum Interest Charge  None Not Applicable � Additional Card   None Minimum Interest Charge  Not Applicable
              � Participation      None
              � Additional Card    None
     Transaction Fees                       Transaction Fees
     � Balance Transfer   For Credit Card Tips from  None To learn about factors to consider when  � Balance Transfer   None For Credit Card Tips from  To learn about factors to consider when 
     � Cash Advance   Transaction Fees None � Cash Advance   None
     the Federal Reserve Board  applying for or using a credit card, visit 
              � Balance Transfer   2% of the amount of each transfer (maximum fee $50) the Federal Reserve Board  applying for or using a credit card, visit 
     � Foreign Transaction   None           � Foreign Transaction   None
              � Cash Advance  the website of the Federal Reserve Board at  2% of the amount of each cash advance (maximum fee $50)    the website of the Federal Reserve Board at 
              � Foreign Transaction 1% of each transaction in U.S. Dollars
     Penalty Fees          http://www.federalreserve.gov/creditcard Penalty Fees   http://www.federalreserve.gov/creditcard
     � Late Payment   Up to $20.00          � Late Payment   Up to $20.00
              Penalty Fees
     � Returned Payment   Up to $25.00      � Returned Payment   Up to $25.00
              � Late Payment       Up to $25.00
     Fees                                                    Fees
              � Returned Payment   Up to $25.00
     Set-up and Maintenance Fees                             Set-up and Maintenance Fees
     How We Will Calculate your Balance: We use a method called �average daily balance (including new purchases)�. See your account agreement for  How We Will Calculate your Balance: We use a method called �average daily balance (including purchases)�. See your account agreement for
     � Annual              None                              � Annual              None
     more details. more details.
     � Account Set-up      None                              � Account Set-up      None
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
     � Participation       None                              � Participation       None
     � Additional Card   The information about the costs of the Visa credit cards described in this disclosure is accurate as of October 1, 2010. The information may have  The information about the current APR and costs of the VISA credit card described in this disclosure was accurate as of  None � Additional Card   None
      April 25, 2011 and is subject to change after that date.
      To ?nd out what may have changed, call us at 763-544-1517 or 800-862-1998 outstate.
     Transaction Fees                                        Transaction Fees
     � Balance Transfer    None                              � Balance Transfer    None
     � Cash Advance        None                              � Cash Advance        None
     � Foreign Transaction   None                            � Foreign Transaction   None
                                     F I N A N C I A L
     Penalty Fees                                            Penalty Fees
     � Late Payment        Up to $20.00                      � Late Payment        Up to $20.00
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     � Returned Payment    Up to $25.00                      � Returned Payment    Up to $25.00
      How We Will Calculate your Balance: We use a method called �average daily balance (including new purchases)�. See your account agreement for 
      more details.
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
      The information about the costs of the Visa credit cards described in this disclosure is accurate as of October 1, 2010. The information may have 
                                                  F I N A N C I A L
                  ( 7 6 3 ) 5 4 4 - 1 5 1 7 � ( 8 0 0 ) 8 6 2 - 1 9 9 8 � w w w. Tr u S t o n e F i n a n c i a l . o r g