19.  19.  19.  Binding Effect. This Agreement is binding upon and enforceable  Binding Effect. This Agreement is binding upon and enforceable  Binding Effect. This Agreement is binding upon and enforceable  Your Rights and Our Responsibilities After We Receive Your  Your Rights and Our Responsibilities After We Receive Your  Your Rights and Our Responsibilities After We Receive Your  Interest Rates and Interest Charges  Interest Rates and Interest Charges  Interest Rates and Interest Charges  � to pay the excess immediately if we demand that you do so. You  Your Account is not in good standing if at any time we do not  Fee equal to the amount of the Minimum Payment Due up to a 
                                                                                                                         VISA                                                                              th
 15.  15.  15.  Changes in Agreement Terms. We can change any term of this  Changes in Agreement Terms. We can change any term of this  Changes in Agreement Terms. We can change any term of this  against your heirs, legal representatives, or successors.  against your heirs, legal representatives, or successors.  against your heirs, legal representatives, or successors.  Written Notice  Written Notice  Written Notice  Annual Percentage  Annual Percentage  Annual Percentage  agree that we may change or cancel your credit line at any time  receive at least the Minimum Payment Due by the 60  day after  maximum of $25.00.   
 Agreement, including the rate at which or manner in which Interest  Agreement, including the rate at which or manner in which Interest  Agreement, including the rate at which or manner in which Interest  CARDHOLDER AGREEMENT
                                                                        Rate (APR) for  Rate (APR) for  Rate (APR) for  14.9%  14.9%  14.9%      without affecting your obligation to pay amounts that you owe  the Payment Due Date shown on the Monthly Billing Statement.   
 charges are calculated, at any time upon such notice to you as is  charges are calculated, at any time upon such notice to you as is  charges are calculated, at any time upon such notice to you as is  20.  20.  20.  Foreign Conversion Transactions. If you effect an international  Foreign Conversion Transactions. If you effect an international  Foreign Conversion Transactions. If you effect an international  We must acknowledge your letter within 30 days, unless we have  We must acknowledge your letter within 30 days, unless we have  We must acknowledge your letter within 30 days, unless we have  under this Agreement.  Account Handling Fee. If you are in default of this Agreement 
                                                                        Purchases Purchases Purchases
 required by law. At our option, any change will apply both to your  required by law. At our option, any change will apply both to your  required by law. At our option, any change will apply both to your  transaction at a merchant that settles in a currency other than U.S.  transaction at a merchant that settles in a currency other than U.S.  transaction at a merchant that settles in a currency other than U.S.  corrected the error by then. Within 90 days, we must either correct the  corrected the error by then. Within 90 days, we must either correct the  corrected the error by then. Within 90 days, we must either correct the  Please read this agreement carefully and save it for future reference. It  9.  INTEREST CHARGES. Your Account is subject to the  and it is necessary for us to place restrictions on your Account, you 
                                                                        APR for Balance  APR for Balance  APR for Balance  14.9%  14.9%  14.9% 
 new activity and to your outstanding balance when the change is  new activity and to your outstanding balance when the change is  new activity and to your outstanding balance when the change is  dollars the rate used to determine the transaction amount for such  dollars the rate used to determine the transaction amount for such  dollars the rate used to determine the transaction amount for such  error or explain why we believe the bill was correct.  error or explain why we believe the bill was correct.  error or explain why we believe the bill was correct.  contains Regulation Z disclosures and your rights in case of errors or  4.  Billing Statements. We will promptly send a Monthly Billing  following Interest Charges, each of which will be charged to your  may be charged an Account Handling Fee of $25.00. If these 
                                                                        Transfers  Transfers  Transfers 
 effective. If you do not wish to be subject to the change, you must  effective. If you do not wish to be subject to the change, you must  effective. If you do not wish to be subject to the change, you must  transactions is generally either a government mandated rate or a  transactions is generally either a government mandated rate or a  transactions is generally either a government mandated rate or a  inquiries about your bill.  Statement at the end of each monthly billing cycle if your Account  Account as a Purchase:  restrictions cause your Card to be retained and returned to us, you 
                                                                        APR for Cash  APR for Cash  APR for Cash  14.9%  14.9%  14.9% 
 notify us in writing within 25 days of the effective date of the  notify us in writing within 25 days of the effective date of the  notify us in writing within 25 days of the effective date of the  wholesale rate determined by VISA� for the processing cycle in  wholesale rate determined by VISA� for the processing cycle in  wholesale rate determined by VISA� for the processing cycle in  After we receive your letter, we cannot try to collect any amount you  After we receive your letter, we cannot try to collect any amount you  After we receive your letter, we cannot try to collect any amount you  has a debit or credit balance greater than $1.00. The Monthly  agree to pay all charges associated with recovering your Card. 
 change and close your Account. Use of the Card after the effective  change and close your Account. Use of the Card after the effective  change and close your Account. Use of the Card after the effective  which the transaction is processed, and may be increased by an  which the transaction is processed, and may be increased by an  which the transaction is processed, and may be increased by an  question, or report you as delinquent. We can continue to bill you for the  question, or report you as delinquent. We can continue to bill you for the  question, or report you as delinquent. We can continue to bill you for the  Advances Advances Advances �
                                                                                                            This is the Agreement that covers your VISA  Cardholder Account with  Billing Statement will show the Previous Balance, Purchases and  Periodic Interest Charges.  An INTEREST CHARGE is 
 date of the change is deemed acceptance of the new terms.  date of the change is deemed acceptance of the new terms.  date of the change is deemed acceptance of the new terms.  adjustment factor established from time to time by VISA�. The  adjustment factor established from time to time by VISA�. The  adjustment factor established from time to time by VISA�. The  amount you question, including Interest charges, and we can apply any  amount you question, including Interest charges, and we can apply any  amount you question, including Interest charges, and we can apply any  How to Avoid  How to Avoid  How to Avoid  Your due date is at least 25 days after the  Your due date is at least 25 days after the  Your due date is at least 25 days after the  Cash Advances posted during the billing period, any Interest  imposed on Purchases beginning on the date the Purchase is posted  Reinstatement Fee. If we close your Account due to your default 
                                                                                                            First Bank & Trust (�Account�). In this Agreement, the words �you� and 
     rate used on the processing date may differ from the rate that  rate used on the processing date may differ from the rate that  rate used on the processing date may differ from the rate that  unpaid amount against your credit limit. You do not have to pay any  unpaid amount against your credit limit. You do not have to pay any  unpaid amount against your credit limit. You do not have to pay any  Paying Interest on  Paying Interest on  Paying Interest on  close of each billing cycle.  We will not  close of each billing cycle.  We will not  close of each billing cycle.  We will not  Charges, and all payments, debits, and credits to your Account  to your Account. No INTEREST CHARGE will be imposed on  and we later reinstate your Account at your request, you may be a 
                                                                                                            �your� refer to the person who applied for the Account and any Joint 
 16.  16.  16.  Arbitration.  �Arbitration� is a means of having an independent  Arbitration.  �Arbitration� is a means of having an independent  Arbitration.  �Arbitration� is a means of having an independent  would have been used on the purchase or cardholder statement  would have been used on the purchase or cardholder statement  would have been used on the purchase or cardholder statement  questioned amount while we are investigating, but you are still obligated  questioned amount while we are investigating, but you are still obligated  questioned amount while we are investigating, but you are still obligated  Purchases Purchases Purchases charge you interest on purchases if you pay  charge you interest on purchases if you pay  charge you interest on purchases if you pay  through the Billing Cycle Closing Date. It will also show, among  your Purchases if the Previous Balance shown on your Monthly  charged a Reinstatement Fee of $25.00.
                                                                                                            Accountholder, if applicable. �We�, �us�, and �our� refer to First Bank 
 third party resolve a Dispute. A �Dispute� is any controversy or  third party resolve a Dispute. A �Dispute� is any controversy or  third party resolve a Dispute. A �Dispute� is any controversy or  posting.  posting.  posting.  to pay the parts of your bill that are not in question.  to pay the parts of your bill that are not in question.  to pay the parts of your bill that are not in question.  your entire balance by the due date each  your entire balance by the due date each  your entire balance by the due date each  other things, your New Balance, the Minimum Payment Due, and  Billing Statement is zero and you pay your New Balance in full by 
                                                                                                            & Trust, Brookings, South Dakota.  The word �Card� means your 
 claim of any type or nature between you (or any co-signer, co- claim of any type or nature between you (or any co-signer, co- claim of any type or nature between you (or any co-signer, co- month.  month.  month.  � the Payment Due Date (which will be at least 25 days after the  the Payment Due Date shown on your Monthly Billing Statement.  Statement Copy Fee. If you request a copy of a Monthly Billing 
 obligor, guarantor, joint user or authorized user) and us or our  obligor, guarantor, joint user or authorized user) and us or our  obligor, guarantor, joint user or authorized user) and us or our  If you effect a transaction at a merchant that settles in a currency  If you effect a transaction at a merchant that settles in a currency  If you effect a transaction at a merchant that settles in a currency  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  VISA  Card. 
                                                                        Minimum Interest  Minimum Interest  Minimum Interest  If you are charged interest, the charge will be  If you are charged interest, the charge will be  If you are charged interest, the charge will be  Billing Cycle Closing Date).  An INTEREST CHARGE is imposed on Cash Advances  Statement, you may be charged a Statement Copy Fee of $2.50 per 
 employees, officers, directors, attorneys, and other representatives  employees, officers, directors, attorneys, and other representatives  employees, officers, directors, attorneys, and other representatives  other than U.S. dollars, VISA� will convert the charge into a U.S.  other than U.S. dollars, VISA� will convert the charge into a U.S.  other than U.S. dollars, VISA� will convert the charge into a U.S.  any Interest charges related to any questioned amount. If we didn�t make  any Interest charges related to any questioned amount. If we didn�t make  any Interest charges related to any questioned amount. If we didn�t make  beginning on the date they are obtained and continues until the  page. 
                                                                        Charge Charge Charge no less than $.50.  no less than $.50.  no less than $.50. 
 and agents, arising out of or in any way relating to this agreement,  and agents, arising out of or in any way relating to this agreement,  and agents, arising out of or in any way relating to this agreement,  dollar amount. VISA� will use its currency conversion rate used  dollar amount. VISA� will use its currency conversion rate used  dollar amount. VISA� will use its currency conversion rate used  a mistake, you may have to pay Interest charges, and you will have to  a mistake, you may have to pay Interest charges, and you will have to  a mistake, you may have to pay Interest charges, and you will have to  This Agreement is effective when you use the Card or the Account or if  5.  Lost or Stolen Card. You may be liable for the unauthorized use  balance of your Account is paid in full. There is no time in which 
                                                                        For Credit Card  For Credit Card  For Credit Card  To learn more about factors to consider when  To learn more about factors to consider when  To learn more about factors to consider when 
 including this arbitration agreement. You agree that this is a  including this arbitration agreement. You agree that this is a  including this arbitration agreement. You agree that this is a  to determine the transaction amount in U.S. dollars for such  to determine the transaction amount in U.S. dollars for such  to determine the transaction amount in U.S. dollars for such  make up any missed payments on the questioned amount. In either case,  make up any missed payments on the questioned amount. In either case,  make up any missed payments on the questioned amount. In either case,  you fail to cut your Card in half and return it to us within 30 days after  of your Card. You will not be liable for unauthorized use that  you can pay the balance of Cash Advances in order to completely  11.  Default/Collection Costs. Your Account will be in default and we 
                                                                        Tips from the  Tips from the  Tips from the  applying for or using a credit card, visit the  applying for or using a credit card, visit the  applying for or using a credit card, visit the 
 contract involving interstate commerce which is subject to the  contract involving interstate commerce which is subject to the  contract involving interstate commerce which is subject to the  transactions is generally either a government mandated rate or a  transactions is generally either a government mandated rate or a  transactions is generally either a government mandated rate or a  we will send you a statement of the amount you owe and the date that it  we will send you a statement of the amount you owe and the date that it  we will send you a statement of the amount you owe and the date that it  the date it is issued to you.  occurs after you notify us through our agent at 1-800-658-3660  avoid an INTEREST CHARGE. may demand immediate payment of the entire amount you owe us 
                                                                        Federal Reserve  Federal Reserve  Federal Reserve  website of the Consumer Financial Protection  website of the Consumer Financial Protection  website of the Consumer Financial Protection 
 Federal Arbitration Act and that any Dispute shall be settled by  Federal Arbitration Act and that any Dispute shall be settled by  Federal Arbitration Act and that any Dispute shall be settled by  wholesale rate determined by VISA� for the processing cycle in  wholesale rate determined by VISA� for the processing cycle in  wholesale rate determined by VISA� for the processing cycle in  is due.  is due.  is due.  orally of the loss, theft, or possible unauthorized use. You may  without giving you prior notice, if: (a) your Minimum Payment 
                                                                        Board Board Board Bureau at   Bureau at   Bureau at  
 binding Arbitration in accordance with the applicable rules and  binding Arbitration in accordance with the applicable rules and  binding Arbitration in accordance with the applicable rules and  which the adjustment factor established from time to time by  which the adjustment factor established from time to time by  which the adjustment factor established from time to time by  To avoid unauthorized use of your Card, please sign the back of your  also notify us in writing of loss, theft, or possible unauthorized use  THE INTEREST CHARGE is determined by multiplying the  Due is not received by the Payment Due Date; (b) you make 
 procedures of the American Arbitration Association (�AAA�),  procedures of the American Arbitration Association (�AAA�),  procedures of the American Arbitration Association (�AAA�),  VISA�.  The currency conversion rate used on the processing date  VISA�.  The currency conversion rate used on the processing date  VISA�.  The currency conversion rate used on the processing date  If you fail to pay the amount that we think you owe, we may report you  If you fail to pay the amount that we think you owe, we may report you  If you fail to pay the amount that we think you owe, we may report you  http://www.consumerfinance.gov/learnmore  http://www.consumerfinance.gov/learnmore  http://www.consumerfinance.gov/learnmore  Card immediately.  at CARD PROCESSING CENTER, PO Box 495933, Cincinnati,  Average Daily Balance for Purchases and for Cash Advances  Purchases or obtain Cash Advances in excess of your credit line; 
 except as modified herein with the sole exception of collection  except as modified herein with the sole exception of collection  except as modified herein with the sole exception of collection  may differ from the rate that would have been used on the  may differ from the rate that would have been used on the  may differ from the rate that would have been used on the  as delinquent. However, if our explanation does not satisfy you and you  as delinquent. However, if our explanation does not satisfy you and you  as delinquent. However, if our explanation does not satisfy you and you  Fees  Fees  Fees  OH 45249-5933. In either case, your maximum liability is $50 for  outstanding during the monthly billing cycle by the monthly  (c) you become insolvent or are a party to a bankruptcy 
 actions by us relating to your Account. You and we agree that the  actions by us relating to your Account. You and we agree that the  actions by us relating to your Account. You and we agree that the  purchase or cardholder statement posting date.  purchase or cardholder statement posting date.  purchase or cardholder statement posting date.  write to us within ten days telling us that you still refuse to pay, we must  write to us within ten days telling us that you still refuse to pay, we must  write to us within ten days telling us that you still refuse to pay, we must  Annual Fee  Annual Fee  Annual Fee  None  None  None  1.  Using Your Card. You may use your Card or Account to  unauthorized charges to your Account made prior to receipt of  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  proceeding; (d) in the case of an Account with co-obligors where 
 arbitrator has no authority to conduct class-wide proceedings and  arbitrator has no authority to conduct class-wide proceedings and  arbitrator has no authority to conduct class-wide proceedings and  tell anyone we report you to that you have a question about your bill.  tell anyone we report you to that you have a question about your bill.  tell anyone we report you to that you have a question about your bill.  Transaction Fees  Transaction Fees  Transaction Fees  purchase or lease goods or services (�Purchases�) to obtain cash  your oral or written notification.  Advances is 1.24%, which is equivalent to an  ANNUAL either of you request termination of the other; (e) you or a co-
 will be restricted to resolving the individual disputes between the  will be restricted to resolving the individual disputes between the  will be restricted to resolving the individual disputes between the  For each purchase transaction in a foreign currency that has been  For each purchase transaction in a foreign currency that has been  For each purchase transaction in a foreign currency that has been  And, we must tell you the name of anyone we reported you to. We must  And, we must tell you the name of anyone we reported you to. We must  And, we must tell you the name of anyone we reported you to. We must  ? ? ? Balance Transfer  Balance Transfer  Balance Transfer  None None None loans (�Cash Advances�) from any financial institution that  PERCENTAGE RATE of 14.9%.  obligor dies; (f) you provide false information to us, misuse the 
 parties. You further agree to waive any claim for punitive damages  parties. You further agree to waive any claim for punitive damages  parties. You further agree to waive any claim for punitive damages  converted into a U.S. dollar amount by VISA�, we may pass  converted into a U.S. dollar amount by VISA�, we may pass  converted into a U.S. dollar amount by VISA�, we may pass  tell anyone we report you to that the matter has been settled between us  tell anyone we report you to that the matter has been settled between us  tell anyone we report you to that the matter has been settled between us  accepts the Card. Any cash equivalents obtained with the Card will  6.  Promise to Pay. By applying for and obtaining credit on your  Account or Card or violate any term of this Agreement; (g) any 
                                                                          ? ? ? Foreign Currency  Foreign Currency  Foreign Currency  Up to 1% of each  Up to 1% of each  Up to 1% of each 
 to the extent permitted by law. The arbitrator otherwise has the  to the extent permitted by law. The arbitrator otherwise has the  to the extent permitted by law. The arbitrator otherwise has the  along a Foreign Currency Conversion Fee in the amount provided  along a Foreign Currency Conversion Fee in the amount provided  along a Foreign Currency Conversion Fee in the amount provided  when it finally is.  when it finally is.  when it finally is.  also be treated as Cash Advances. Cash equivalent transactions 
                                                                                          transaction converted to  transaction converted to  transaction converted to  Account, you agree jointly and severally, if more than one person  judgment or lien is filed against you; or (h) we reasonably believe 
 ability to award all remedies otherwise available by statute, at law  ability to award all remedies otherwise available by statute, at law  ability to award all remedies otherwise available by statute, at law  to us by VISA�.     to us by VISA�.     to us by VISA�.     Conversion  Conversion  Conversion  include but are not limited to wire transfers, money orders  applies for the Account, to be obligated and pay for all credit  The Average Daily Balance is computed by taking the beginning  that your ability to repay your obligations to us has been materially 
                                                                                          U.S. dollars  U.S. dollars  U.S. dollars 
 or in equity to the prevailing party including the recovery of  or in equity to the prevailing party including the recovery of  or in equity to the prevailing party including the recovery of  If we don�t follow these rules, we can�t collect the first $50.00 of the  If we don�t follow these rules, we can�t collect the first $50.00 of the  If we don�t follow these rules, we can�t collect the first $50.00 of the  ? ? ? Cash Advance� Cash Advance� Cash Advance� travelers checques, tax payments, gold bullion purchase, and  obtained on your Account by you or any person you authorize to  balance of your Account on each day, calculated separately for  impaired. We shall also have the right to all remedies provided by 
                                                                                          Either $5 or 3% of the  Either $5 or 3% of the  Either $5 or 3% of the 
 reasonable attorneys� fees and the costs of arbitration, as  reasonable attorneys� fees and the costs of arbitration, as  reasonable attorneys� fees and the costs of arbitration, as  questioned amount, even if your bill was correct.  questioned amount, even if your bill was correct.  questioned amount, even if your bill was correct.  gamming transactions or services.  If you use your Card or  use your Card, as well as our Interest charges and any other fees  Purchases and Cash Advances, adding new Purchases and Cash  law including, without limitation, closing or refusing to renew 
                                                                                          amount of each cash  amount of each cash  amount of each cash 
 determined by the arbitrator. Judgment upon the award rendered  determined by the arbitrator. Judgment upon the award rendered  determined by the arbitrator. Judgment upon the award rendered  21.  21.  21.  Illegal Transactions. Your Card and Account may be used only  Illegal Transactions. Your Card and Account may be used only  Illegal Transactions. Your Card and Account may be used only  Account, you agree to us paying the amount owed to each  imposed by us, as provided for in the Agreement. You agree to pay  Advances and subtracting any payments and credits. Any resulting  your Account and demanding return of your Card(s).  If we refer 
                                                                                          advance, whichever is  advance, whichever is  advance, whichever is 
 by an arbitrator may be entered in any court having jurisdiction  by an arbitrator may be entered in any court having jurisdiction  by an arbitrator may be entered in any court having jurisdiction  for valid and lawful purposes. If you use, or allow someone else to  for valid and lawful purposes. If you use, or allow someone else to  for valid and lawful purposes. If you use, or allow someone else to  Special Rule for Credit Card Purchases  Special Rule for Credit Card Purchases  Special Rule for Credit Card Purchases  merchant or financial institution which honored your Card.   us only in U.S. Dollars drawn on U/S/ financial institutions.  credit balance is treated as a zero ($0.00) balance. This gives us the  your Account for collections to an attorney who is not our 
                                                                                          greater.  greater.  greater. 
 thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  use your Card and Account for any other purpose you will be  use your Card and Account for any other purpose you will be  use your Card and Account for any other purpose you will be  daily balance. The daily balances are then added together and  regularly salaried employee, you agree to pay the reasonable fees 
 THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  responsible for such use and may be required to reimburse us for  responsible for such use and may be required to reimburse us for  responsible for such use and may be required to reimburse us for  If you have a problem with the quality of property or services that you  If you have a problem with the quality of property or services that you  If you have a problem with the quality of property or services that you  Penalty Fees  Penalty Fees  Penalty Fees  If you give your Account number to make a purchase or obtain a  7.  Irregular Payment and Delay in Enforcement, Waivers and  divided by the number of days in the billing cycle to get the  of such attorney and, whether or not an attorney is retained, all 
 TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  all amounts or expenses we pay as a result of such use.  all amounts or expenses we pay as a result of such use.  all amounts or expenses we pay as a result of such use.  purchased with a credit card, and you have tried in good faith to correct  purchased with a credit card, and you have tried in good faith to correct  purchased with a credit card, and you have tried in good faith to correct  ? ? ? Late Payment  Late Payment  Late Payment  Up to $25  Up to $25  Up to $25  Cash Advance without presenting your Card (such as for a mail  Releases. We can accept late payments, partial payments, checks  Average Daily Balance.  court and other collection costs (including any amounts actually 
 AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  the problem with the merchant, you may have the right not to pay the  the problem with the merchant, you may have the right not to pay the  the problem with the merchant, you may have the right not to pay the  ? ? ? Returned Payment  Returned Payment  Returned Payment  Up to $25 Up to $25 Up to $25 order, telephone, or Internet purchase), the legal effect will be the  and money orders marked �paid in full� or language having the  incurred by us in recovering your Cards(s)).  
 PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  YOUR BILLING RIGHTS    YOUR BILLING RIGHTS    YOUR BILLING RIGHTS    remaining amount due on the property or services. There are two  remaining amount due on the property or services. There are two  remaining amount due on the property or services. There are two  same as if the Card itself was used by you.  same effect without losing any of our rights under this Agreement.  Minimum Interest Charge. The minimum Periodic INTEREST 
 ANY CLASS OF CLAIMANTS PERTAINING TO ANY  ANY CLASS OF CLAIMANTS PERTAINING TO ANY  ANY CLASS OF CLAIMANTS PERTAINING TO ANY  KEEP THIS NOTICE FOR FUTURE USE  KEEP THIS NOTICE FOR FUTURE USE  KEEP THIS NOTICE FOR FUTURE USE  limitations on this right:  limitations on this right:  limitations on this right:  We can also delay enforcing our rights under this Agreement any  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  12.  Refusals to Honor Card. We are not responsible for refusals to 
 DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  If we, at our option, give you a Personal Identification Number  number of times without losing them and can waive or delay  honor your Card. And, except as otherwise required by law or 
                                                                        Other Fees  Other Fees  Other Fees 
 YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  This notice contains important information about your rights and our  This notice contains important information about your rights and our  This notice contains important information about your rights and our  (a) (a) (a) You must have made the Purchase in your home state or, if not  You must have made the Purchase in your home state or, if not  You must have made the Purchase in your home state or, if not  (PIN), you may use your Card to obtain a Cash Advance from any  enforcing a right against one of you without waiving or delaying it  Cash Advance Fee. In addition to the INTEREST CHARGE on  regulations, we will not be responsible for merchandise or services 
                                                                          ? ? ? Account Handling Fee  Account Handling Fee  Account Handling Fee  $25-If it is necessary to  $25-If it is necessary to  $25-If it is necessary to  �
 ARBITRATION. If any portion of this Arbitration Agreement is  ARBITRATION. If any portion of this Arbitration Agreement is  ARBITRATION. If any portion of this Arbitration Agreement is  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  within your home state, within 100 miles of your current mailing  within your home state, within 100 miles of your current mailing  within your home state, within 100 miles of your current mailing  Automated Teller Machine (ATM) that bears the VISA or  as to the other.  No waiver by us of any default shall be effective  Cash Advances calculated by application of the Periodic Rate,  purchased through use of your Card.
 subsequently deemed unenforceable, the enforceability of any  subsequently deemed unenforceable, the enforceability of any  subsequently deemed unenforceable, the enforceability of any  address; and  address; and  address; and  place restrictions on  place restrictions on  place restrictions on  � unless in writing nor operate as a waiver of any other future  there is a INTEREST CHARGE of 3% (minimum $5.00), 
                                                                                                              PLUS  logo. All ATM transactions are treated under terms of this 
 other provision of this Arbitration Agreement shall not be affected  other provision of this Arbitration Agreement shall not be affected  other provision of this Arbitration Agreement shall not be affected  Notify Us In Case of Errors or Questions About Your Bill  Notify Us In Case of Errors or Questions About Your Bill  Notify Us In Case of Errors or Questions About Your Bill  (b)  (b)  (b)  The Purchase price must have been more than $50.00. The Purchase price must have been more than $50.00. The Purchase price must have been more than $50.00. ? ? ? Statement Copy Fee  Statement Copy Fee  Statement Copy Fee  account account account default. We can release any one of you in whole or in part without  whichever is greater, for each Cash Advance posted to your  13. Termination. We may terminate your privileges under the 
 and the unenforceable term shall be amended such that it is  and the unenforceable term shall be amended such that it is  and the unenforceable term shall be amended such that it is  $2.50 per page  $2.50 per page  $2.50 per page  Agreement the same as Cash Advances. We have the right to  affecting your obligation under this Agreement.  Account that month.  Agreement or cancel or limit your privileges to make Purchases or 
                                                                          ? ? ? Reinstatement Fee  Reinstatement Fee  Reinstatement Fee 
 enforceable to the maximum extent permitted by law.  enforceable to the maximum extent permitted by law.  enforceable to the maximum extent permitted by law.  If you think your bill is wrong, or if you need more information about a  If you think your bill is wrong, or if you need more information about a  If you think your bill is wrong, or if you need more information about a  These limitations do not apply if we own or operate the merchant, or if  These limitations do not apply if we own or operate the merchant, or if  These limitations do not apply if we own or operate the merchant, or if  $25  $25  $25  restrict your access to any qualified ATM at any time. You should  obtain Cash Advances at any time, with or without cause, without 
   transaction on your bill, write us [on a separate sheet] at the address  transaction on your bill, write us [on a separate sheet] at the address  transaction on your bill, write us [on a separate sheet] at the address  we mailed you the advertisement for the property or services.  we mailed you the advertisement for the property or services.  we mailed you the advertisement for the property or services.  ? ? ? Lost/Stolen Replacement  Lost/Stolen Replacement  Lost/Stolen Replacement  $5  $5  $5  not keep your PIN with your Card. If you believe that anyone has  8.  Minimum Payments. You may pay your New Balance each  Replacement Card Fee. If at any time you request a replacement  notice or liability. If we ask, you must return your Card(s) to us, 
 17.  17.  17.  Venue and Jurisdiction. You consent to be subject to the  Venue and Jurisdiction. You consent to be subject to the  Venue and Jurisdiction. You consent to be subject to the  listed on your bill. Write to us as soon as possible. We must hear from  listed on your bill. Write to us as soon as possible. We must hear from  listed on your bill. Write to us as soon as possible. We must hear from  Card Fee� Card Fee� Card Fee� gained unauthorized access to your PIN, you should advise us  month, or you may pay in monthly installments. If you decide to  credit card due to loss, damage, theft, or destruction of your  cut in half. You agree that you will not try to make any Purchases 
 jurisdiction and venue of the Circuit Court for the Third Judicial  jurisdiction and venue of the Circuit Court for the Third Judicial  jurisdiction and venue of the Circuit Court for the Third Judicial  you no later than 60 days after we sent you the first bill on which the  you no later than 60 days after we sent you the first bill on which the  you no later than 60 days after we sent you the first bill on which the  immediately, following the procedures under the heading �Lost or  pay in monthly installments, you must pay at least the Minimum  current credit card, you may be charged a Replacement Card Fee  or obtain Cash Advances after you have been notified that your 
 Circuit, State of South Dakota, and agree that such court shall be  Circuit, State of South Dakota, and agree that such court shall be  Circuit, State of South Dakota, and agree that such court shall be  error or problem appeared. You can telephone us, but doing so will not  error or problem appeared. You can telephone us, but doing so will not  error or problem appeared. You can telephone us, but doing so will not  Stolen Card.�  Payment Due shown on your Monthly Billing Statement by the  of $5.00. No replacement Card will be allowed on the third lost or  privileges to use your Account have been canceled. You may 
 the sole and exclusive jurisdiction and venue of all court actions of  the sole and exclusive jurisdiction and venue of all court actions of  the sole and exclusive jurisdiction and venue of all court actions of  preserve your rights. preserve your rights. preserve your rights. Payment Due Date. You may pay more than the Minimum  stolen Card. This fee is an INTEREST CHARGE. cancel this Agreement by returning all Cards issued on your 
                                                                        How We Will Calculate Your Balance: We use a method called  How We Will Calculate Your Balance: We use a method called  How We Will Calculate Your Balance: We use a method called 
 disputes or claims arising from or relating to this Agreement or the  disputes or claims arising from or relating to this Agreement or the  disputes or claims arising from or relating to this Agreement or the  2.  Joint Account. If this is a Joint Account, each person (a) may  Payment Due and may at any time pay your total balance due. We  Account to us, cut in half. Your or our termination or cancellation 
                                                                        �average daily balance (including new purchases).�  �average daily balance (including new purchases).�  �average daily balance (including new purchases).� 
 Account relationship.  Account relationship.  Account relationship.  In your letter, give us the following information:  In your letter, give us the following information:  In your letter, give us the following information:  obtain Purchases and Cash Advances (but the total of these cannot  will apply payments to amounts owed on your Account based on  10. Fees. Your Account is subject to the following fees, each of which  will not affect your existing obligations under this Agreement. 
    ? ? ? Your name and account number.  Your name and account number.  Your name and account number.         exceed the credit line); (b) will be responsible for paying all  applicable law.   will be charged to your Account as a Purchase: 
                                                                        Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions 
 18.  18.  18.  Applicable Law. This Agreement is entered into in the State of  Applicable Law. This Agreement is entered into in the State of  Applicable Law. This Agreement is entered into in the State of  amounts owed; and (c) can close the Account. 
    ? ? ? The dollar amount of the suspected error.  The dollar amount of the suspected error.  The dollar amount of the suspected error.                                                                          14. Notices. We will send statements and any other notices to you at 
 South Dakota where the decision to grant credit is made and in  South Dakota where the decision to grant credit is made and in  South Dakota where the decision to grant credit is made and in  and how to exercise those rights is provided in your account  and how to exercise those rights is provided in your account  and how to exercise those rights is provided in your account 
    ? ? ? Describe the error and explain, if you can, why you believe there  Describe the error and explain, if you can, why you believe there  Describe the error and explain, if you can, why you believe there  If your New Balance is greater than $20.00, then the Minimum  Late Fee. If we do not receive a payment from you in at least the  the address shown in our files. If this is a Joint Account, we can 
 which payments will be received. Therefore, this Agreement will  which payments will be received. Therefore, this Agreement will  which payments will be received. Therefore, this Agreement will  agreement  agreement  agreement  3.  Credit Line. Your credit line is shown on the folder containing 
      is an error. If you need more information describe the item you  is an error. If you need more information describe the item you  is an error. If you need more information describe the item you  Payment Due will be the greater of $20.00 or 3% of your total  amount of your Minimum Payment Due by the Payment Due Date  notify one of you and the notice will be effective for both of you. 
 be governed by the laws of the State of South Dakota without  be governed by the laws of the State of South Dakota without  be governed by the laws of the State of South Dakota without  your Card. Since we may change your credit line from time to 
      are not sure about.  are not sure about.  are not sure about.     The information about costs of the card described in this application  The information about costs of the card described in this application  The information about costs of the card described in this application  outstanding balance, plus any Late Fee, and any amount that is  shown on any Monthly Billing Statement, you may be charged a  Similarly, one of you can notify us and we will consider it to be 
 giving reference to its conflict of law provisions. If there is any  giving reference to its conflict of law provisions. If there is any  giving reference to its conflict of law provisions. If there is any  If you have authorized us to pay your credit card bill automatically from  If you have authorized us to pay your credit card bill automatically from  If you have authorized us to pay your credit card bill automatically from  is accurate as of 7/26/2013.  The information may have changed  is accurate as of 7/26/2013.  The information may have changed  is accurate as of 7/26/2013.  The information may have changed  time, your latest credit line will appear on your monthly billing  delinquent. If the New Balance is less than $20.00 you pay only  Late Fee equal to the amount of the Minimum Payment Due up to  notice from both of you. You promise to inform us promptly in 
 conflict between any of the terms and conditions of this Agreement  conflict between any of the terms and conditions of this Agreement  conflict between any of the terms and conditions of this Agreement  statement. You agree not to make any Purchases or obtain any 
   your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  after this date.  To find out what may have changed, write us at: PO  after this date.  To find out what may have changed, write us at: PO  after this date.  To find out what may have changed, write us at: PO  the New Balance.  When we calculate the Minimum Payment Due,  a maximum of $25.00.  writing of any change in your address. In determining your last 
 and applicable law, this Agreement will be considered changed to  and applicable law, this Agreement will be considered changed to  and applicable law, this Agreement will be considered changed to  Cash Advances that would cause the unpaid balance of your 
   amount you think is wrong. To stop the payment your letter must reach  amount you think is wrong. To stop the payment your letter must reach  amount you think is wrong. To stop the payment your letter must reach  Box 6000, Brookings, SD  57006.  Box 6000, Brookings, SD  57006.  Box 6000, Brookings, SD  57006.  it will be rounded to the next highest $5.00 increment.  known address, we can accept address corrections received from 
 the extent necessary to comply with the law. The other provisions  the extent necessary to comply with the law. The other provisions  the extent necessary to comply with the law. The other provisions  Account to exceed your credit line. We may honor Purchases and 
   us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to  Returned Payment Fee. If you make a payment on your Account  the U.S. Postal Service. 
 of the Agreement shall not be affected. of the Agreement shall not be affected. of the Agreement shall not be affected. Cash Advances in excess of your credit line at our sole discretion. 
   occur.  occur.  occur.                                                                                                                                                          and your check or other payment instrument is not honored for any 
                                                                        07/13        07/13        07/13        If we do this Agreement also applies to that excess and you agree   reason or cannot be processed, we may charge a Returned Payment 
                                                                                                   G-14784
 � � � to pay the excess immediately if we demand that you do so. You  to pay the excess immediately if we demand that you do so. You  to pay the excess immediately if we demand that you do so. You  Your Account is not in good standing if at any time we do not  Your Account is not in good standing if at any time we do not  Your Account is not in good standing if at any time we do not  Fee equal to the amount of the Minimum Payment Due up to a  Fee equal to the amount of the Minimum Payment Due up to a  Fee equal to the amount of the Minimum Payment Due up to a  19.  Binding Effect. This Agreement is binding upon and enforceable  Your Rights and Our Responsibilities After We Receive Your 
 VISA VISA VISA                                                                                                                                                                                                    Interest Rates and Interest Charges 
                                                               th th th
     agree that we may change or cancel your credit line at any time  agree that we may change or cancel your credit line at any time  agree that we may change or cancel your credit line at any time  receive at least the Minimum Payment Due by the 60 receive at least the Minimum Payment Due by the 60 receive at least the Minimum Payment Due by the 60  day after   day after   day after  maximum of $25.00.    maximum of $25.00.    maximum of $25.00.    15.  Changes in Agreement Terms. We can change any term of this  against your heirs, legal representatives, or successors.  Written Notice  Annual Percentage 
 CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT without affecting your obligation to pay amounts that you owe  without affecting your obligation to pay amounts that you owe  without affecting your obligation to pay amounts that you owe  the Payment Due Date shown on the Monthly Billing Statement.    the Payment Due Date shown on the Monthly Billing Statement.    the Payment Due Date shown on the Monthly Billing Statement.    Agreement, including the rate at which or manner in which Interest  Rate (APR) for  14.9% 
     under this Agreement.  under this Agreement.  under this Agreement.  Account Handling Fee. If you are in default of this Agreement  Account Handling Fee. If you are in default of this Agreement  Account Handling Fee. If you are in default of this Agreement  charges are calculated, at any time upon such notice to you as is  20.  Foreign Conversion Transactions. If you effect an international  We must acknowledge your letter within 30 days, unless we have  Purchases
 Please read this agreement carefully and save it for future reference. It  Please read this agreement carefully and save it for future reference. It  Please read this agreement carefully and save it for future reference. It  9.  9.  9.  INTEREST CHARGES. Your Account is subject to the  INTEREST CHARGES. Your Account is subject to the  INTEREST CHARGES. Your Account is subject to the  and it is necessary for us to place restrictions on your Account, you  and it is necessary for us to place restrictions on your Account, you  and it is necessary for us to place restrictions on your Account, you  required by law. At our option, any change will apply both to your  transaction at a merchant that settles in a currency other than U.S.  corrected the error by then. Within 90 days, we must either correct the 
                                                                                                                                                                                                                   APR for Balance  14.9% 
 contains Regulation Z disclosures and your rights in case of errors or  contains Regulation Z disclosures and your rights in case of errors or  contains Regulation Z disclosures and your rights in case of errors or  4.  4.  4.  Billing Statements. We will promptly send a Monthly Billing  Billing Statements. We will promptly send a Monthly Billing  Billing Statements. We will promptly send a Monthly Billing  following Interest Charges, each of which will be charged to your  following Interest Charges, each of which will be charged to your  following Interest Charges, each of which will be charged to your  may be charged an Account Handling Fee of $25.00. If these  may be charged an Account Handling Fee of $25.00. If these  may be charged an Account Handling Fee of $25.00. If these  new activity and to your outstanding balance when the change is  dollars the rate used to determine the transaction amount for such  error or explain why we believe the bill was correct. 
                                                                                                                                                                                                                   Transfers 
 inquiries about your bill.  inquiries about your bill.  inquiries about your bill.  Statement at the end of each monthly billing cycle if your Account  Statement at the end of each monthly billing cycle if your Account  Statement at the end of each monthly billing cycle if your Account  Account as a Purchase:  Account as a Purchase:  Account as a Purchase:  restrictions cause your Card to be retained and returned to us, you  restrictions cause your Card to be retained and returned to us, you  restrictions cause your Card to be retained and returned to us, you  effective. If you do not wish to be subject to the change, you must  transactions is generally either a government mandated rate or a 
                                                                                                                                                                                                                   APR for Cash  14.9% 
     has a debit or credit balance greater than $1.00. The Monthly  has a debit or credit balance greater than $1.00. The Monthly  has a debit or credit balance greater than $1.00. The Monthly  agree to pay all charges associated with recovering your Card.  agree to pay all charges associated with recovering your Card.  agree to pay all charges associated with recovering your Card.  notify us in writing within 25 days of the effective date of the  wholesale rate determined by VISA� for the processing cycle in  After we receive your letter, we cannot try to collect any amount you 
 � � �                                                                                                                                                                                                             Advances
 This is the Agreement that covers your VISA This is the Agreement that covers your VISA This is the Agreement that covers your VISA  Cardholder Account with   Cardholder Account with   Cardholder Account with  Billing Statement will show the Previous Balance, Purchases and  Billing Statement will show the Previous Balance, Purchases and  Billing Statement will show the Previous Balance, Purchases and  Periodic Interest Charges.  Periodic Interest Charges.  Periodic Interest Charges.  An INTEREST CHARGE is  An INTEREST CHARGE is  An INTEREST CHARGE is  change and close your Account. Use of the Card after the effective  which the transaction is processed, and may be increased by an  question, or report you as delinquent. We can continue to bill you for the 
     Cash Advances posted during the billing period, any Interest  Cash Advances posted during the billing period, any Interest  Cash Advances posted during the billing period, any Interest  imposed on Purchases beginning on the date the Purchase is posted  imposed on Purchases beginning on the date the Purchase is posted  imposed on Purchases beginning on the date the Purchase is posted  Reinstatement Fee. If we close your Account due to your default  Reinstatement Fee. If we close your Account due to your default  Reinstatement Fee. If we close your Account due to your default  date of the change is deemed acceptance of the new terms.  adjustment factor established from time to time by VISA�. The  amount you question, including Interest charges, and we can apply any  How to Avoid  Your due date is at least 25 days after the 
 First Bank & Trust (�Account�). In this Agreement, the words �you� and  First Bank & Trust (�Account�). In this Agreement, the words �you� and  First Bank & Trust (�Account�). In this Agreement, the words �you� and 
     Charges, and all payments, debits, and credits to your Account  Charges, and all payments, debits, and credits to your Account  Charges, and all payments, debits, and credits to your Account  to your Account. No INTEREST CHARGE will be imposed on  to your Account. No INTEREST CHARGE will be imposed on  to your Account. No INTEREST CHARGE will be imposed on  and we later reinstate your Account at your request, you may be a  and we later reinstate your Account at your request, you may be a  and we later reinstate your Account at your request, you may be a  rate used on the processing date may differ from the rate that  unpaid amount against your credit limit. You do not have to pay any  Paying Interest on  close of each billing cycle.  We will not 
 �your� refer to the person who applied for the Account and any Joint  �your� refer to the person who applied for the Account and any Joint  �your� refer to the person who applied for the Account and any Joint 
     through the Billing Cycle Closing Date. It will also show, among  through the Billing Cycle Closing Date. It will also show, among  through the Billing Cycle Closing Date. It will also show, among  your Purchases if the Previous Balance shown on your Monthly  your Purchases if the Previous Balance shown on your Monthly  your Purchases if the Previous Balance shown on your Monthly  charged a Reinstatement Fee of $25.00. charged a Reinstatement Fee of $25.00. charged a Reinstatement Fee of $25.00. 16.  Arbitration.  �Arbitration� is a means of having an independent  would have been used on the purchase or cardholder statement  questioned amount while we are investigating, but you are still obligated  Purchases charge you interest on purchases if you pay 
 Accountholder, if applicable. �We�, �us�, and �our� refer to First Bank  Accountholder, if applicable. �We�, �us�, and �our� refer to First Bank  Accountholder, if applicable. �We�, �us�, and �our� refer to First Bank 
     other things, your New Balance, the Minimum Payment Due, and  other things, your New Balance, the Minimum Payment Due, and  other things, your New Balance, the Minimum Payment Due, and  Billing Statement is zero and you pay your New Balance in full by  Billing Statement is zero and you pay your New Balance in full by  Billing Statement is zero and you pay your New Balance in full by  third party resolve a Dispute. A �Dispute� is any controversy or  posting.  to pay the parts of your bill that are not in question.  your entire balance by the due date each 
 & Trust, Brookings, South Dakota.  The word �Card� means your  & Trust, Brookings, South Dakota.  The word �Card� means your  & Trust, Brookings, South Dakota.  The word �Card� means your 
 � � � the Payment Due Date (which will be at least 25 days after the  the Payment Due Date (which will be at least 25 days after the  the Payment Due Date (which will be at least 25 days after the  the Payment Due Date shown on your Monthly Billing Statement.  the Payment Due Date shown on your Monthly Billing Statement.  the Payment Due Date shown on your Monthly Billing Statement.  Statement Copy Fee. If you request a copy of a Monthly Billing  Statement Copy Fee. If you request a copy of a Monthly Billing  Statement Copy Fee. If you request a copy of a Monthly Billing  claim of any type or nature between you (or any co-signer, co- month. 
 VISA VISA VISA  Card.   Card.   Card.  Billing Cycle Closing Date).  Billing Cycle Closing Date).  Billing Cycle Closing Date).  An INTEREST CHARGE is imposed on Cash Advances  An INTEREST CHARGE is imposed on Cash Advances  An INTEREST CHARGE is imposed on Cash Advances  Statement, you may be charged a Statement Copy Fee of $2.50 per  Statement, you may be charged a Statement Copy Fee of $2.50 per  Statement, you may be charged a Statement Copy Fee of $2.50 per  obligor, guarantor, joint user or authorized user) and us or our  If you effect a transaction at a merchant that settles in a currency  If we find that we made a mistake on your bill, you will not have to pay  Minimum Interest  If you are charged interest, the charge will be 
                                        beginning on the date they are obtained and continues until the  beginning on the date they are obtained and continues until the  beginning on the date they are obtained and continues until the  page.  page.  page.  employees, officers, directors, attorneys, and other representatives  other than U.S. dollars, VISA� will convert the charge into a U.S.  any Interest charges related to any questioned amount. If we didn�t make  Charge no less than $.50. 
 This Agreement is effective when you use the Card or the Account or if  This Agreement is effective when you use the Card or the Account or if  This Agreement is effective when you use the Card or the Account or if  5.  5.  5.  Lost or Stolen Card. You may be liable for the unauthorized use  Lost or Stolen Card. You may be liable for the unauthorized use  Lost or Stolen Card. You may be liable for the unauthorized use  balance of your Account is paid in full. There is no time in which  balance of your Account is paid in full. There is no time in which  balance of your Account is paid in full. There is no time in which  and agents, arising out of or in any way relating to this agreement,  dollar amount. VISA� will use its currency conversion rate used  a mistake, you may have to pay Interest charges, and you will have to 
                                                                                                                                                                                                                   For Credit Card  To learn more about factors to consider when 
 you fail to cut your Card in half and return it to us within 30 days after  you fail to cut your Card in half and return it to us within 30 days after  you fail to cut your Card in half and return it to us within 30 days after  of your Card. You will not be liable for unauthorized use that  of your Card. You will not be liable for unauthorized use that  of your Card. You will not be liable for unauthorized use that  you can pay the balance of Cash Advances in order to completely  you can pay the balance of Cash Advances in order to completely  you can pay the balance of Cash Advances in order to completely  11.  11.  11.  Default/Collection Costs. Your Account will be in default and we  Default/Collection Costs. Your Account will be in default and we  Default/Collection Costs. Your Account will be in default and we  including this arbitration agreement. You agree that this is a  to determine the transaction amount in U.S. dollars for such  make up any missed payments on the questioned amount. In either case, 
                                                                                                                                                                                                                   Tips from the  applying for or using a credit card, visit the 
 the date it is issued to you.  the date it is issued to you.  the date it is issued to you.  occurs after you notify us through our agent at 1-800-658-3660  occurs after you notify us through our agent at 1-800-658-3660  occurs after you notify us through our agent at 1-800-658-3660  avoid an INTEREST CHARGE. avoid an INTEREST CHARGE. avoid an INTEREST CHARGE. may demand immediate payment of the entire amount you owe us  may demand immediate payment of the entire amount you owe us  may demand immediate payment of the entire amount you owe us  contract involving interstate commerce which is subject to the  transactions is generally either a government mandated rate or a  we will send you a statement of the amount you owe and the date that it 
                                                                                                                                                                                                                   Federal Reserve  website of the Consumer Financial Protection 
     orally of the loss, theft, or possible unauthorized use. You may  orally of the loss, theft, or possible unauthorized use. You may  orally of the loss, theft, or possible unauthorized use. You may  without giving you prior notice, if: (a) your Minimum Payment  without giving you prior notice, if: (a) your Minimum Payment  without giving you prior notice, if: (a) your Minimum Payment  Federal Arbitration Act and that any Dispute shall be settled by  wholesale rate determined by VISA� for the processing cycle in  is due. 
 To avoid unauthorized use of your Card, please sign the back of your  To avoid unauthorized use of your Card, please sign the back of your  To avoid unauthorized use of your Card, please sign the back of your  Board     Bureau at  
     also notify us in writing of loss, theft, or possible unauthorized use  also notify us in writing of loss, theft, or possible unauthorized use  also notify us in writing of loss, theft, or possible unauthorized use  THE THE THE INTEREST CHARGE is determined by multiplying the  INTEREST CHARGE is determined by multiplying the  INTEREST CHARGE is determined by multiplying the  Due is not received by the Payment Due Date; (b) you make  Due is not received by the Payment Due Date; (b) you make  Due is not received by the Payment Due Date; (b) you make  binding Arbitration in accordance with the applicable rules and  which the adjustment factor established from time to time by 
 Card immediately.  Card immediately.  Card immediately.  at CARD PROCESSING CENTER, PO Box 495933, Cincinnati,  at CARD PROCESSING CENTER, PO Box 495933, Cincinnati,  at CARD PROCESSING CENTER, PO Box 495933, Cincinnati,  Average Daily Balance for Purchases and for Cash Advances  Average Daily Balance for Purchases and for Cash Advances  Average Daily Balance for Purchases and for Cash Advances  Purchases or obtain Cash Advances in excess of your credit line;  Purchases or obtain Cash Advances in excess of your credit line;  Purchases or obtain Cash Advances in excess of your credit line;  procedures of the American Arbitration Association (�AAA�),  VISA�.  The currency conversion rate used on the processing date  If you fail to pay the amount that we think you owe, we may report you  http://www.consumerfinance.gov/learnmore 
     OH 45249-5933. In either case, your maximum liability is $50 for  OH 45249-5933. In either case, your maximum liability is $50 for  OH 45249-5933. In either case, your maximum liability is $50 for  outstanding during the monthly billing cycle by the monthly  outstanding during the monthly billing cycle by the monthly  outstanding during the monthly billing cycle by the monthly  (c) you become insolvent or are a party to a bankruptcy  (c) you become insolvent or are a party to a bankruptcy  (c) you become insolvent or are a party to a bankruptcy  except as modified herein with the sole exception of collection  may differ from the rate that would have been used on the  as delinquent. However, if our explanation does not satisfy you and you  Fees 
 1.  1.  1.  Using Your Card. You may use your Card or Account to  Using Your Card. You may use your Card or Account to  Using Your Card. You may use your Card or Account to  unauthorized charges to your Account made prior to receipt of  unauthorized charges to your Account made prior to receipt of  unauthorized charges to your Account made prior to receipt of  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  proceeding; (d) in the case of an Account with co-obligors where  proceeding; (d) in the case of an Account with co-obligors where  proceeding; (d) in the case of an Account with co-obligors where  actions by us relating to your Account. You and we agree that the  purchase or cardholder statement posting date.  write to us within ten days telling us that you still refuse to pay, we must  Annual Fee  None 
 purchase or lease goods or services (�Purchases�) to obtain cash  purchase or lease goods or services (�Purchases�) to obtain cash  purchase or lease goods or services (�Purchases�) to obtain cash  your oral or written notification.  your oral or written notification.  your oral or written notification.  Advances is 1.24%, which is equivalent to an  Advances is 1.24%, which is equivalent to an  Advances is 1.24%, which is equivalent to an  ANNUAL ANNUAL ANNUAL either of you request termination of the other; (e) you or a co- either of you request termination of the other; (e) you or a co- either of you request termination of the other; (e) you or a co- arbitrator has no authority to conduct class-wide proceedings and  tell anyone we report you to that you have a question about your bill.  Transaction Fees 
 loans (�Cash Advances�) from any financial institution that  loans (�Cash Advances�) from any financial institution that  loans (�Cash Advances�) from any financial institution that  PERCENTAGE RATE of 14.9%.  PERCENTAGE RATE of 14.9%.  PERCENTAGE RATE of 14.9%.  obligor dies; (f) you provide false information to us, misuse the  obligor dies; (f) you provide false information to us, misuse the  obligor dies; (f) you provide false information to us, misuse the  will be restricted to resolving the individual disputes between the  For each purchase transaction in a foreign currency that has been  And, we must tell you the name of anyone we reported you to. We must  ? Balance Transfer  None
 accepts the Card. Any cash equivalents obtained with the Card will  accepts the Card. Any cash equivalents obtained with the Card will  accepts the Card. Any cash equivalents obtained with the Card will  6.  6.  6.  Promise to Pay. By applying for and obtaining credit on your  Promise to Pay. By applying for and obtaining credit on your  Promise to Pay. By applying for and obtaining credit on your  Account or Card or violate any term of this Agreement; (g) any  Account or Card or violate any term of this Agreement; (g) any  Account or Card or violate any term of this Agreement; (g) any  parties. You further agree to waive any claim for punitive damages  converted into a U.S. dollar amount by VISA�, we may pass  tell anyone we report you to that the matter has been settled between us 
                                                                                                                                                                                                                      ? Foreign Currency  Up to 1% of each 
 also be treated as Cash Advances. Cash equivalent transactions  also be treated as Cash Advances. Cash equivalent transactions  also be treated as Cash Advances. Cash equivalent transactions  Account, you agree jointly and severally, if more than one person  Account, you agree jointly and severally, if more than one person  Account, you agree jointly and severally, if more than one person  judgment or lien is filed against you; or (h) we reasonably believe  judgment or lien is filed against you; or (h) we reasonably believe  judgment or lien is filed against you; or (h) we reasonably believe  to the extent permitted by law. The arbitrator otherwise has the  along a Foreign Currency Conversion Fee in the amount provided  when it finally is.  transaction converted to 
 include but are not limited to wire transfers, money orders  include but are not limited to wire transfers, money orders  include but are not limited to wire transfers, money orders  applies for the Account, to be obligated and pay for all credit  applies for the Account, to be obligated and pay for all credit  applies for the Account, to be obligated and pay for all credit  The Average Daily Balance is computed by taking the beginning  The Average Daily Balance is computed by taking the beginning  The Average Daily Balance is computed by taking the beginning  that your ability to repay your obligations to us has been materially  that your ability to repay your obligations to us has been materially  that your ability to repay your obligations to us has been materially  ability to award all remedies otherwise available by statute, at law  to us by VISA�.     Conversion 
                                                                                                                                                                                                                                      U.S. dollars 
 travelers checques, tax payments, gold bullion purchase, and  travelers checques, tax payments, gold bullion purchase, and  travelers checques, tax payments, gold bullion purchase, and  obtained on your Account by you or any person you authorize to  obtained on your Account by you or any person you authorize to  obtained on your Account by you or any person you authorize to  balance of your Account on each day, calculated separately for  balance of your Account on each day, calculated separately for  balance of your Account on each day, calculated separately for  impaired. We shall also have the right to all remedies provided by  impaired. We shall also have the right to all remedies provided by  impaired. We shall also have the right to all remedies provided by  or in equity to the prevailing party including the recovery of  If we don�t follow these rules, we can�t collect the first $50.00 of the  ? Cash Advance�
                                                                                                                                                                                                                                      Either $5 or 3% of the 
 gamming transactions or services.  If you use your Card or  gamming transactions or services.  If you use your Card or  gamming transactions or services.  If you use your Card or  use your Card, as well as our Interest charges and any other fees  use your Card, as well as our Interest charges and any other fees  use your Card, as well as our Interest charges and any other fees  Purchases and Cash Advances, adding new Purchases and Cash  Purchases and Cash Advances, adding new Purchases and Cash  Purchases and Cash Advances, adding new Purchases and Cash  law including, without limitation, closing or refusing to renew  law including, without limitation, closing or refusing to renew  law including, without limitation, closing or refusing to renew  reasonable attorneys� fees and the costs of arbitration, as  questioned amount, even if your bill was correct. 
                                                                                                                                                                                                                                      amount of each cash 
 Account, you agree to us paying the amount owed to each  Account, you agree to us paying the amount owed to each  Account, you agree to us paying the amount owed to each  imposed by us, as provided for in the Agreement. You agree to pay  imposed by us, as provided for in the Agreement. You agree to pay  imposed by us, as provided for in the Agreement. You agree to pay  Advances and subtracting any payments and credits. Any resulting  Advances and subtracting any payments and credits. Any resulting  Advances and subtracting any payments and credits. Any resulting  your Account and demanding return of your Card(s).  If we refer  your Account and demanding return of your Card(s).  If we refer  your Account and demanding return of your Card(s).  If we refer  determined by the arbitrator. Judgment upon the award rendered  21.  Illegal Transactions. Your Card and Account may be used only 
                                                                                                                                                                                                                                      advance, whichever is 
 merchant or financial institution which honored your Card.   merchant or financial institution which honored your Card.   merchant or financial institution which honored your Card.   us only in U.S. Dollars drawn on U/S/ financial institutions.  us only in U.S. Dollars drawn on U/S/ financial institutions.  us only in U.S. Dollars drawn on U/S/ financial institutions.  credit balance is treated as a zero ($0.00) balance. This gives us the  credit balance is treated as a zero ($0.00) balance. This gives us the  credit balance is treated as a zero ($0.00) balance. This gives us the  your Account for collections to an attorney who is not our  your Account for collections to an attorney who is not our  your Account for collections to an attorney who is not our  by an arbitrator may be entered in any court having jurisdiction  for valid and lawful purposes. If you use, or allow someone else to  Special Rule for Credit Card Purchases 
                                                                                                                                                                                                                                      greater. 
                                        daily balance. The daily balances are then added together and  daily balance. The daily balances are then added together and  daily balance. The daily balances are then added together and  regularly salaried employee, you agree to pay the reasonable fees  regularly salaried employee, you agree to pay the reasonable fees  regularly salaried employee, you agree to pay the reasonable fees  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  use your Card and Account for any other purpose you will be 
 If you give your Account number to make a purchase or obtain a  If you give your Account number to make a purchase or obtain a  If you give your Account number to make a purchase or obtain a  7.  7.  7.  Irregular Payment and Delay in Enforcement, Waivers and  Irregular Payment and Delay in Enforcement, Waivers and  Irregular Payment and Delay in Enforcement, Waivers and  divided by the number of days in the billing cycle to get the  divided by the number of days in the billing cycle to get the  divided by the number of days in the billing cycle to get the  of such attorney and, whether or not an attorney is retained, all  of such attorney and, whether or not an attorney is retained, all  of such attorney and, whether or not an attorney is retained, all  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  responsible for such use and may be required to reimburse us for  If you have a problem with the quality of property or services that you  Penalty Fees 
 Cash Advance without presenting your Card (such as for a mail  Cash Advance without presenting your Card (such as for a mail  Cash Advance without presenting your Card (such as for a mail  Releases. We can accept late payments, partial payments, checks  Releases. We can accept late payments, partial payments, checks  Releases. We can accept late payments, partial payments, checks  Average Daily Balance.  Average Daily Balance.  Average Daily Balance.  court and other collection costs (including any amounts actually  court and other collection costs (including any amounts actually  court and other collection costs (including any amounts actually  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  all amounts or expenses we pay as a result of such use.  purchased with a credit card, and you have tried in good faith to correct  ? Late Payment  Up to $25 
 order, telephone, or Internet purchase), the legal effect will be the  order, telephone, or Internet purchase), the legal effect will be the  order, telephone, or Internet purchase), the legal effect will be the  and money orders marked �paid in full� or language having the  and money orders marked �paid in full� or language having the  and money orders marked �paid in full� or language having the  incurred by us in recovering your Cards(s)).   incurred by us in recovering your Cards(s)).   incurred by us in recovering your Cards(s)).   AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  the problem with the merchant, you may have the right not to pay the  ? Returned Payment  Up to $25
 same as if the Card itself was used by you.  same as if the Card itself was used by you.  same as if the Card itself was used by you.  same effect without losing any of our rights under this Agreement.  same effect without losing any of our rights under this Agreement.  same effect without losing any of our rights under this Agreement.  Minimum Interest Charge. The minimum Periodic INTEREST  Minimum Interest Charge. The minimum Periodic INTEREST  Minimum Interest Charge. The minimum Periodic INTEREST  PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  YOUR BILLING RIGHTS    remaining amount due on the property or services. There are two 
     We can also delay enforcing our rights under this Agreement any  We can also delay enforcing our rights under this Agreement any  We can also delay enforcing our rights under this Agreement any  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  12.  12.  12.  Refusals to Honor Card. We are not responsible for refusals to  Refusals to Honor Card. We are not responsible for refusals to  Refusals to Honor Card. We are not responsible for refusals to  ANY CLASS OF CLAIMANTS PERTAINING TO ANY  KEEP THIS NOTICE FOR FUTURE USE  limitations on this right: 
 If we, at our option, give you a Personal Identification Number  If we, at our option, give you a Personal Identification Number  If we, at our option, give you a Personal Identification Number  number of times without losing them and can waive or delay  number of times without losing them and can waive or delay  number of times without losing them and can waive or delay  honor your Card. And, except as otherwise required by law or  honor your Card. And, except as otherwise required by law or  honor your Card. And, except as otherwise required by law or  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF 
 (PIN), you may use your Card to obtain a Cash Advance from any  (PIN), you may use your Card to obtain a Cash Advance from any  (PIN), you may use your Card to obtain a Cash Advance from any                    Other Fees 
     enforcing a right against one of you without waiving or delaying it  enforcing a right against one of you without waiving or delaying it  enforcing a right against one of you without waiving or delaying it  Cash Advance Fee. In addition to the INTEREST CHARGE on  Cash Advance Fee. In addition to the INTEREST CHARGE on  Cash Advance Fee. In addition to the INTEREST CHARGE on  regulations, we will not be responsible for merchandise or services  regulations, we will not be responsible for merchandise or services  regulations, we will not be responsible for merchandise or services  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  This notice contains important information about your rights and our  (a) You must have made the Purchase in your home state or, if not 
 � � �                                                                                                                                                                                                                ? Account Handling Fee  $25-If it is necessary to 
 Automated Teller Machine (ATM) that bears the VISA Automated Teller Machine (ATM) that bears the VISA Automated Teller Machine (ATM) that bears the VISA or  or  or  as to the other.  No waiver by us of any default shall be effective  as to the other.  No waiver by us of any default shall be effective  as to the other.  No waiver by us of any default shall be effective  Cash Advances calculated by application of the Periodic Rate,  Cash Advances calculated by application of the Periodic Rate,  Cash Advances calculated by application of the Periodic Rate,  purchased through use of your Card. purchased through use of your Card. purchased through use of your Card. ARBITRATION. If any portion of this Arbitration Agreement is  responsibilities under the Fair Credit Billing Act.  within your home state, within 100 miles of your current mailing 
 � � � unless in writing nor operate as a waiver of any other future  unless in writing nor operate as a waiver of any other future  unless in writing nor operate as a waiver of any other future  there is a INTEREST CHARGE of 3% (minimum $5.00),  there is a INTEREST CHARGE of 3% (minimum $5.00),  there is a INTEREST CHARGE of 3% (minimum $5.00),  subsequently deemed unenforceable, the enforceability of any  address; and  place restrictions on 
 PLUS PLUS PLUS  logo. All ATM transactions are treated under terms of this   logo. All ATM transactions are treated under terms of this   logo. All ATM transactions are treated under terms of this  default. We can release any one of you in whole or in part without  default. We can release any one of you in whole or in part without  default. We can release any one of you in whole or in part without  whichever is greater, for each Cash Advance posted to your  whichever is greater, for each Cash Advance posted to your  whichever is greater, for each Cash Advance posted to your  13. Termination. We may terminate your privileges under the  13. Termination. We may terminate your privileges under the  13. Termination. We may terminate your privileges under the  other provision of this Arbitration Agreement shall not be affected  Notify Us In Case of Errors or Questions About Your Bill  (b)  The Purchase price must have been more than $50.00. ? Statement Copy Fee  account
 Agreement the same as Cash Advances. We have the right to  Agreement the same as Cash Advances. We have the right to  Agreement the same as Cash Advances. We have the right to  affecting your obligation under this Agreement.  affecting your obligation under this Agreement.  affecting your obligation under this Agreement.  Account that month.  Account that month.  Account that month.  Agreement or cancel or limit your privileges to make Purchases or  Agreement or cancel or limit your privileges to make Purchases or  Agreement or cancel or limit your privileges to make Purchases or  and the unenforceable term shall be amended such that it is  $2.50 per page 
                                                                                                                                                                                                                      ? Reinstatement Fee 
 restrict your access to any qualified ATM at any time. You should  restrict your access to any qualified ATM at any time. You should  restrict your access to any qualified ATM at any time. You should  obtain Cash Advances at any time, with or without cause, without  obtain Cash Advances at any time, with or without cause, without  obtain Cash Advances at any time, with or without cause, without  enforceable to the maximum extent permitted by law.  If you think your bill is wrong, or if you need more information about a  These limitations do not apply if we own or operate the merchant, or if  $25 
 not keep your PIN with your Card. If you believe that anyone has  not keep your PIN with your Card. If you believe that anyone has  not keep your PIN with your Card. If you believe that anyone has  8.  8.  8.  Minimum Payments. You may pay your New Balance each  Minimum Payments. You may pay your New Balance each  Minimum Payments. You may pay your New Balance each  Replacement Card Fee. If at any time you request a replacement  Replacement Card Fee. If at any time you request a replacement  Replacement Card Fee. If at any time you request a replacement  notice or liability. If we ask, you must return your Card(s) to us,  notice or liability. If we ask, you must return your Card(s) to us,  notice or liability. If we ask, you must return your Card(s) to us,  transaction on your bill, write us [on a separate sheet] at the address  we mailed you the advertisement for the property or services.  ? Lost/Stolen Replacement  $5 
 gained unauthorized access to your PIN, you should advise us  gained unauthorized access to your PIN, you should advise us  gained unauthorized access to your PIN, you should advise us  month, or you may pay in monthly installments. If you decide to  month, or you may pay in monthly installments. If you decide to  month, or you may pay in monthly installments. If you decide to  credit card due to loss, damage, theft, or destruction of your  credit card due to loss, damage, theft, or destruction of your  credit card due to loss, damage, theft, or destruction of your  cut in half. You agree that you will not try to make any Purchases  cut in half. You agree that you will not try to make any Purchases  cut in half. You agree that you will not try to make any Purchases  17.  Venue and Jurisdiction. You consent to be subject to the  listed on your bill. Write to us as soon as possible. We must hear from  Card Fee�
 immediately, following the procedures under the heading �Lost or  immediately, following the procedures under the heading �Lost or  immediately, following the procedures under the heading �Lost or  pay in monthly installments, you must pay at least the Minimum  pay in monthly installments, you must pay at least the Minimum  pay in monthly installments, you must pay at least the Minimum  current credit card, you may be charged a Replacement Card Fee  current credit card, you may be charged a Replacement Card Fee  current credit card, you may be charged a Replacement Card Fee  or obtain Cash Advances after you have been notified that your  or obtain Cash Advances after you have been notified that your  or obtain Cash Advances after you have been notified that your  jurisdiction and venue of the Circuit Court for the Third Judicial  you no later than 60 days after we sent you the first bill on which the 
 Stolen Card.�  Stolen Card.�  Stolen Card.�  Payment Due shown on your Monthly Billing Statement by the  Payment Due shown on your Monthly Billing Statement by the  Payment Due shown on your Monthly Billing Statement by the  of $5.00. No replacement Card will be allowed on the third lost or  of $5.00. No replacement Card will be allowed on the third lost or  of $5.00. No replacement Card will be allowed on the third lost or  privileges to use your Account have been canceled. You may  privileges to use your Account have been canceled. You may  privileges to use your Account have been canceled. You may  Circuit, State of South Dakota, and agree that such court shall be  error or problem appeared. You can telephone us, but doing so will not 
     Payment Due Date. You may pay more than the Minimum  Payment Due Date. You may pay more than the Minimum  Payment Due Date. You may pay more than the Minimum  stolen Card. This fee is an INTEREST CHARGE. stolen Card. This fee is an INTEREST CHARGE. stolen Card. This fee is an INTEREST CHARGE. cancel this Agreement by returning all Cards issued on your  cancel this Agreement by returning all Cards issued on your  cancel this Agreement by returning all Cards issued on your  the sole and exclusive jurisdiction and venue of all court actions of  preserve your rights.
 2.  2.  2.  Joint Account. If this is a Joint Account, each person (a) may  Joint Account. If this is a Joint Account, each person (a) may  Joint Account. If this is a Joint Account, each person (a) may        How We Will Calculate Your Balance: We use a method called 
     Payment Due and may at any time pay your total balance due. We  Payment Due and may at any time pay your total balance due. We  Payment Due and may at any time pay your total balance due. We  Account to us, cut in half. Your or our termination or cancellation  Account to us, cut in half. Your or our termination or cancellation  Account to us, cut in half. Your or our termination or cancellation  disputes or claims arising from or relating to this Agreement or the 
 obtain Purchases and Cash Advances (but the total of these cannot  obtain Purchases and Cash Advances (but the total of these cannot  obtain Purchases and Cash Advances (but the total of these cannot           �average daily balance (including new purchases).� 
     will apply payments to amounts owed on your Account based on  will apply payments to amounts owed on your Account based on  will apply payments to amounts owed on your Account based on  10. Fees. Your Account is subject to the following fees, each of which  10. Fees. Your Account is subject to the following fees, each of which  10. Fees. Your Account is subject to the following fees, each of which  will not affect your existing obligations under this Agreement.  will not affect your existing obligations under this Agreement.  will not affect your existing obligations under this Agreement.  Account relationship.  In your letter, give us the following information: 
 exceed the credit line); (b) will be responsible for paying all  exceed the credit line); (b) will be responsible for paying all  exceed the credit line); (b) will be responsible for paying all  applicable law.   applicable law.   applicable law.   will be charged to your Account as a Purchase:  will be charged to your Account as a Purchase:  will be charged to your Account as a Purchase:  ? Your name and account number. 
 amounts owed; and (c) can close the Account.  amounts owed; and (c) can close the Account.  amounts owed; and (c) can close the Account.                                                                          Billing Rights: Information on your rights to dispute transactions 
                                                                        14. Notices. We will send statements and any other notices to you at  14. Notices. We will send statements and any other notices to you at  14. Notices. We will send statements and any other notices to you at  18.  Applicable Law. This Agreement is entered into in the State of  ? The dollar amount of the suspected error. 
     If your New Balance is greater than $20.00, then the Minimum  If your New Balance is greater than $20.00, then the Minimum  If your New Balance is greater than $20.00, then the Minimum  Late Fee. If we do not receive a payment from you in at least the  Late Fee. If we do not receive a payment from you in at least the  Late Fee. If we do not receive a payment from you in at least the  the address shown in our files. If this is a Joint Account, we can  the address shown in our files. If this is a Joint Account, we can  the address shown in our files. If this is a Joint Account, we can  South Dakota where the decision to grant credit is made and in  and how to exercise those rights is provided in your account 
                                                                                                                                                ? Describe the error and explain, if you can, why you believe there 
 3.  3.  3.  Credit Line. Your credit line is shown on the folder containing  Credit Line. Your credit line is shown on the folder containing  Credit Line. Your credit line is shown on the folder containing  Payment Due will be the greater of $20.00 or 3% of your total  Payment Due will be the greater of $20.00 or 3% of your total  Payment Due will be the greater of $20.00 or 3% of your total  amount of your Minimum Payment Due by the Payment Due Date  amount of your Minimum Payment Due by the Payment Due Date  amount of your Minimum Payment Due by the Payment Due Date  notify one of you and the notice will be effective for both of you.  notify one of you and the notice will be effective for both of you.  notify one of you and the notice will be effective for both of you.  which payments will be received. Therefore, this Agreement will  agreement 
                                                                                                                                                 is an error. If you need more information describe the item you 
 your Card. Since we may change your credit line from time to  your Card. Since we may change your credit line from time to  your Card. Since we may change your credit line from time to  outstanding balance, plus any Late Fee, and any amount that is  outstanding balance, plus any Late Fee, and any amount that is  outstanding balance, plus any Late Fee, and any amount that is  shown on any Monthly Billing Statement, you may be charged a  shown on any Monthly Billing Statement, you may be charged a  shown on any Monthly Billing Statement, you may be charged a  Similarly, one of you can notify us and we will consider it to be  Similarly, one of you can notify us and we will consider it to be  Similarly, one of you can notify us and we will consider it to be  be governed by the laws of the State of South Dakota without  are not sure about.  The information about costs of the card described in this application 
 time, your latest credit line will appear on your monthly billing  time, your latest credit line will appear on your monthly billing  time, your latest credit line will appear on your monthly billing  delinquent. If the New Balance is less than $20.00 you pay only  delinquent. If the New Balance is less than $20.00 you pay only  delinquent. If the New Balance is less than $20.00 you pay only  Late Fee equal to the amount of the Minimum Payment Due up to  Late Fee equal to the amount of the Minimum Payment Due up to  Late Fee equal to the amount of the Minimum Payment Due up to  notice from both of you. You promise to inform us promptly in  notice from both of you. You promise to inform us promptly in  notice from both of you. You promise to inform us promptly in  giving reference to its conflict of law provisions. If there is any  If you have authorized us to pay your credit card bill automatically from  is accurate as of 7/26/2013.  The information may have changed 
 statement. You agree not to make any Purchases or obtain any  statement. You agree not to make any Purchases or obtain any  statement. You agree not to make any Purchases or obtain any  the New Balance.  When we calculate the Minimum Payment Due,  the New Balance.  When we calculate the Minimum Payment Due,  the New Balance.  When we calculate the Minimum Payment Due,  a maximum of $25.00.  a maximum of $25.00.  a maximum of $25.00.  writing of any change in your address. In determining your last  writing of any change in your address. In determining your last  writing of any change in your address. In determining your last  conflict between any of the terms and conditions of this Agreement  your savings or checking account, you can stop the payment on any  after this date.  To find out what may have changed, write us at: PO 
 Cash Advances that would cause the unpaid balance of your  Cash Advances that would cause the unpaid balance of your  Cash Advances that would cause the unpaid balance of your  it will be rounded to the next highest $5.00 increment.  it will be rounded to the next highest $5.00 increment.  it will be rounded to the next highest $5.00 increment.  known address, we can accept address corrections received from  known address, we can accept address corrections received from  known address, we can accept address corrections received from  and applicable law, this Agreement will be considered changed to  amount you think is wrong. To stop the payment your letter must reach  Box 6000, Brookings, SD  57006. 
 Account to exceed your credit line. We may honor Purchases and  Account to exceed your credit line. We may honor Purchases and  Account to exceed your credit line. We may honor Purchases and  Returned Payment Fee. If you make a payment on your Account  Returned Payment Fee. If you make a payment on your Account  Returned Payment Fee. If you make a payment on your Account  the U.S. Postal Service.  the U.S. Postal Service.  the U.S. Postal Service.  the extent necessary to comply with the law. The other provisions  us three business days before the automatic payment is scheduled to 
 Cash Advances in excess of your credit line at our sole discretion.  Cash Advances in excess of your credit line at our sole discretion.  Cash Advances in excess of your credit line at our sole discretion.  and your check or other payment instrument is not honored for any  and your check or other payment instrument is not honored for any  and your check or other payment instrument is not honored for any  of the Agreement shall not be affected. occur. 
 If we do this Agreement also applies to that excess and you agree  If we do this Agreement also applies to that excess and you agree  If we do this Agreement also applies to that excess and you agree  reason or cannot be processed, we may charge a Returned Payment  reason or cannot be processed, we may charge a Returned Payment  reason or cannot be processed, we may charge a Returned Payment  07/13