one percent (1%) of the U.S. dollar amount of any international transaction, whether that transaction  must agree not to use the Account.  All amounts outstanding on the Account will be immediately due  where you reside.  At your request, we will advance the ?rst $250 of the ?ling and hearing fees for any 
   was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by  and payable without notice or demand. Claim you may ?le against us.  The arbitrator will decide whether we or you will ultimately pay those 
   Visa or MasterCard.  In either case, the 1% will be calculated on the U.S. dollar amount provided to us  (c) If you fail to pay any amount you owe under this Agreement, you will be liable for our costs of  fees.  The arbitrator shall apply applicable substantive law consistent with the FAA and applicable 
   by that entity.  The same process and charges may apply if any international transaction is reversed.   collecting.  In addition, if we refer our claim to an attorney for collection, you will be liable for reasonable  statutes of limitation, and shall honor claims of privilege recognized at law.  Judgment upon the award 
                                     attorney�s fees we incur and expenses of any legal actions. rendered by the arbitrator may be entered in any court having jurisdiction.  This Arbitration Provision 
   YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT 28. Assignment of Your Account to Another Creditor: We may assign, sell or transfer your  shall survive repayment of your extension of credit and termination of your Account.  The arbitration 
   19. Responsibility to Pay: You agree to pay us for all Purchases, Advances, Balance Transfers, Finance  Account and amounts owed by you to another creditor at any time.  If we do, this Agreement  provision shall be governed by the Federal Arbitration Act, 9 U.S.C. �1 through �6.
   Charges, Account Fees and charges, any other transaction charges as provided in this Agreement and,  will still be in effect unless and until amended and any references made in this Agreement 
   to the extent permitted under applicable law, attorneys fees and collection costs we incur enforcing  to �we�, �us�, �our� or �the Bank� will refer to the creditor to which we assigned, sold or  YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE
   this Agreement against you.  This is the case even if the Account is only used by you, or someone to  transferred the Account or amounts owed under the Account.  You may not delegate your  This is important information about your rights and our responsibilities under the Fair Credit Billing Act. 
   whom you�ve given access to the Account.   obligation and responsibilities to us to any third party without our express written consent.  NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
   20. Liability for Charges: You are individually liable and you and the individual or co-obligor(s) who  If you think your bill is wrong or if you need more information about an item or transaction on your monthly 
   accepted the application for credit, if any, are jointly liable for all charges to the Account including,  THE BANK�S LEGAL RIGHTS AND OBLIGATIONS billing statement, YOU MUST WRITE TO US ON A SEPARATE SHEET OF PAPER AND SEND IT TO:
   without limitation, all fees and ?nance charges.  29. Collecting Credit Information About You: You authorize us to make any credit, employment and       Credit Card Department
   21. Intent to Repay: Every time you use the Account, you represent to us that you intend and have  investigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on       Hills Bank and Trust Company  Visa Platinum 
   the reasonable ability to repay your Account obligations.  We rely on that representation every time  your Account.  You agree that a consumer credit report or business bureau ?le request, as applicable,        131 Main Street
   you use the Account.              may be requested periodically from one or more credit reporting agencies (credit bureaus) and used        P.O. Box 160
   22. Settling a Disputed Balance: Payment in Full � If you want to settle a disagreement with us about  in connection with your application and any update, renewal or extension of credit.  We may provide        Hills, Iowa 52235
   any amount you owe by sending a check on which you have written �Payment in Full� or similar language,  information about you, your Account or your credit history to credit reporting agencies and others who  Write to us as soon as possible.  We must hear from you no later than 60 days after we sent you the 
   you must send us a written explanation of the disagreement and dispute and send such check to: may properly receive that information. ?rst bill where the error or problem appeared.  You can telephone us, but doing so will not preserve 
           Credit Card Department    30. Credit Bureau Disputes: If you believe we inaccurately reported credit history information about  Rewards
                                                                        your legal rights under the Fair Credit Billing Act.  In your letter, include the following information:
        Hills Bank and Trust Company  you or the Account to a credit bureau, call us at 1-800-445-5725 or write to us at:  (1) Your name and Account number;
         131 Main Street                  Credit Card Department        (2) the dollar amount of the suspected error;
         P.O. Box 160                     Hills Bank and Trust Company  (3) the date the transaction occurred (if possible); and
         Hills, Iowa 52235                 131 Main Street              (4) describe the error, and explain, if you can, why you believe there is an error.  If you need more 
   (See �Your Billing Rights� section for complete details.) Writing �payment in full� or similar language on        P.O. Box 160 information, describe the items you are not sure about.  If you have authorized us to pay your credit  Credit Card 
   the check will not be enough to resolve the dispute.  If we collect a check or any payment instrument        Hills, Iowa 52235 card bill automatically from your savings or checking account, you can stop the payment on any amount 
   marked �Paid in Full� that you send without a written explanation of the disagreement or dispute, we will  31. Refusal to Honor Transactions: The Bank and its agents are not responsible if anyone refuses  you believe is wrong.  To stop the payment, your letter must reach us three business days before the 
   not have waived our right to collect any remaining amount you owe us under the terms of the Account.  to honor your Card or a Convenience Check, or if authorization for a particular transaction is not given.  automatic payment is scheduled to occur.
   23. Default: You and the Account will be in default if: Although you may have credit available under the Account, we may be unable to authorize credit for 
   (a) you do not make the Minimum Payment by the Payment Date (disclosed on the monthly Account  a particular transaction.  The number of transactions you make as well as the dollar amount you may  YOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE WRITTEN NOTICE
   statement as the Payment Date);   withdraw from or charge to your Account in one day may be limited, and the limit per day may vary.  Agreement
                                                                        We must acknowledge your letter within 90 days, unless we have corrected the error by then.  Within 
   (b) you violate any other provision of this Agreement; These restrictions are for security reasons.  And, as a result, we cannot explain the details of how this  90 days, we must either correct the error or explain why we believe the statement was correct.
   (c) you become insolvent, assign any property to your creditors or go into bankruptcy or receivership; system works.  If your Account is over limit or delinquent, authorization of credit for transaction may  After we receive your letter, we cannot try to collect any amount you questioned or report your 
   (d) you have made false statements affecting the application or maintenance of your Account; be declined.  We are not responsible for anything purchased with your Card or a Convenience Check,  Account as delinquent.  We can continue to bill you for the amount you questioned, including Finance 
   (e) you go over your Credit Limit; except as expressly required by applicable law (see �Your Billing Rights� section for more details.)  Charges, and we can apply any unpaid amount against your Credit Limit.  You do not have to pay 
   (f) we have any reason to believe that the Account is in danger of, or is being used for fraud; or You must return goods you purchased with the Card or Account to the Merchant and not to us.  Third  any questioned amount while we are investigating, but you are still obligated to pay the parts of your 
   (g) anything happens that we believe in good faith materially increases the risk that you will not live up  party offers: From time to time, third parties may provide you with bene?ts not related to the extension  Account that are not in question.
   to your payment and other obligations under this Agreement. of Account credit.  We are not liable for these features, services and enhancements, as they are the  If we ?nd that we made a mistake on your bill, you will not have to pay any Finance Charges related 
   If you are in default, we may, to the extent permitted by applicable law, set-off and withdraw any portion  sole responsibility of the third party provider.  The Bank and/or third party may add, change or delete  to the questioned amount.  If we did not make a mistake, you may have to pay Finance Charges and 
   or all of the amount due under your Account Agreement against any balance, credit, deposits, accounts  entirely these bene?ts without notice or liability to you, to the extent permitted by applicable law.  You  you will have to make up any missed payments on the questioned amounts.  In either case, we will 
   or other property of yours in our possession, after giving you any notice required by applicable law.  agree to hold us harmless from any claim, actions or damages resulting from your use of any of these  send you a statement of the amount you owe and the date that it is due.
   Should the obligation fall delinquent, and a judgment is obtained then the judgment shall accrue interest  features, services, or enhancements, when permitted by applicable law. If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if 
   at the rate of 18.00% per annum until the judgment is paid in full.  32. Telephone Monitoring: From time to time, we may monitor telephone calls you make to us or  our explanation does not satisfy you and you write us within ten days telling us that you still refuse to 
   24. Illegal Purchases: The Card must not be used for any unlawful purpose, such as tending any  our agents. pay, we must tell anyone we report you to that you have a question about your bill.  And we must tell 
   account that is set up to facilitate online gambling.  You agree that you will not use or knowingly permit  33. Severability: If a court of competent jurisdiction ?nds any part of this Agreement illegal or  you the name of anyone we reported you to.  We must tell anyone we report you to that the matter 
   another to use the Card or Account for any transaction that is illegal under applicable law. unenforceable, the remaining portions of the Agreement will remain in effect as written after any such  has been settled between us when it ?nally is.
                                     illegal or unenforceability porting is amended in compliance with applicable law or, if necessary, voided.
   THE BANK�S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT 34. Entire Agreement: This version of the Agreement replaces any previous versions of the Agreement.  SPECIAL RULES FOR CREDIT CARD PURCHASES
   25. Ownership of this Account; Governing Law: Your Card and any other Account access devices  The Agreement, as modi?ed by any change in terms we may deliver from time to time in accordance  If you have a problem with the quality of property or services that you purchased with your credit card, 
                                                                                                              Hills Bank
   that we supply to you are our property, and must be immediately returned to us or otherwise destroyed or  with applicable law, constitutes the entire agreement between you and us, and supersedes any prior  and you have tried in good faith to correct the problem with the Merchant, you may have the right not 
   surrendered as we instruct.  We extend all Account credit to you in and from the State of Iowa, regardless  negotiation or understanding between you and us concerning the subject matter of the Agreement. to pay the remaining amount due on the property or services.  There are two limitations on this right, 
   of where you reside or use the Account.  This Agreement is governed by Iowa law, and, to the extent  35. Waiver: We do not give up our rights under the Agreement or applicable law when we fail to exercise  and both must apply: and Trust Company
   necessary for interest exportation or consumer protection purposes, by federal law, regardless of the  or delay exercising these rights.  Our failure or delay to exercise any right or remedy we have against  (1) You must have made the purchase in your home state or, if not within your home state within 100 
   internal con?ict of law principles of the state where you reside or use the Account.  If a dispute arises  miles of your current mailing address; and  Member FDIC � hillsbank.com
                                     you does not mean that we waive that right.
   and you ?le a lawsuit against us, service or process must be made on the Bank at the following address:  36. Arbitration: In requesting an Agreement from us and accepting the Agreement, you agree that if  (2) The purchase price must have been more than $50.
        Credit Card Department       a dispute of any kind arises out of this Agreement, either you or we may choose to have that dispute  The conditions do not apply if we own or operate the merchant or if we mailed you the advertisement 
        Hills Bank and Trust Company                                    for the property or services.               Credit Card Department
                                     resolved by binding arbitration.  If arbitration is chosen by any party, neither you nor we will have the 
        131 Main Street              right to litigate that claim in court or to have a jury trial on that claim, or to engage in pre-arbitration  SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH 
        P.O. Box 160                 discovery, except as provided for in the arbitration rules.  In addition, you will not have the right to  CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS. 131 Main St � PO Box 160
        Hills, Iowa 52235            participate as a representative or member of any class of claimants pertaining to any claim subject to         Hills Bank and Trust Company 
   26. Changing the Agreement: The Bank may change all or any part of this Agreement at any time,  arbitration.  The Arbitrator�s decision will generally be ?nal and binding.  Other rights that you would          Credit Card Department Hills, IA 52235
   including changing the APR and other fees on the Account, unless prohibited by law.  We will give  have if you went to court, may also not be available in arbitration.  It is important that you read the entire          131 Main Street
   at least 30 days notice before the effective date of any change.  On the effective date, the changes,  Arbitration Provision carefully before accepting the terms of this Agreement.         P.O. Box 160 1-800-445-5725
   including any changes in APR or recalculation of Finance Charges, will apply to all amounts you owe at  Any claim, dispute or controversy (whether in contract, regulatory, tort or otherwise, whether pre-existing,         Hills, Iowa 52235
   the time the change goes into effect.  If you do not agree to the changes, you must notify us in writing  present or future and including constitutional, statutory, common law, intentional tort and equitable            1-800-445-5725
   within 25 days after the effective date of the change; you also must pay any remaining amount due  claims) arising from or relating to (a) the card it offered or provided to you; (b) the actions of you, or 
   and destroy the Card.  You may pay the remaining amount all at once or the Bank may allow you to  third parties; or (c) the validity of this arbitration provision individually and collective, (a �Claim�) must,  We may report information about your account to credit bureaus.  Late payments, missed payments 
   continue making payments under the existing terms.  Otherwise, you will have agreed to the changes  after an election by you or us, be resolved by binding arbitration in accordance with this arbitration  or other defaults on your accounts may be re?ected in your credit report.
   in the notice.  Use of the Account after the effective date of the changes shall be deemed acceptance  provision and the Commercial Arbitration Rules of the American Arbitration Association (�AAA�) in effect 
   of the new terms, even if the 25 days have not expired.              Rev. 6/10
                                     when the Claim is ?led (or, in the event this arbitrator or these arbitration rules are no longer available, 
   27. Cancellation:                 then a comparable substitute arbitration procedure and/or arbitration organization that does business 
   (a) The Bank may cancel the Account or suspend credit privileges immediately and without notice if  on a nationwide basis).  There shall be no authority for any Claim to be arbitrated on a class action 
   the Account is in default.  We may also cancel the Account in our sole discretion (even if the Account  basis.  An arbitration can only decide our or your Claim and may not consolidate or join the claims 
   is not in default) by providing notice to you.  You may cancel the Account by providing notice to us. of other persons who may have similar claims.  You may obtain rules and forms by calling the AAA 
   (b) After cancellation of the Account, you will not be able to obtain additional credit on the Account and  at 800-778-7879.  Any arbitration hearing that you attend will take place in the federal judicial district 
   This is a card member agreement and disclosure statement (�Agreement�) between you and Hills Bank  to as �interest� here and on your monthly Account statement); (b) Advance transaction fees; and (c)  the APR divided by 12 months) to the Average Daily Balance of Purchases, which is determined by  transactions which will be provided upon your request for an agreed upon fee. 
   and Trust Company containing the terms that will apply to your Hills Bank Visa Platinum Rewards  any other transaction fees that are considered Finance Charges.  In some of the following sections we  dividing the sum of the daily balance of Purchases during the billing cycle by the number of days in  (h) International Transactions: Currently a 1.0% fee is assessed only on international transactions 
   (�Account�).  In this Agreement, �you� and �your� means each individual accepting a solicitation or  have abbreviated the terms �monthly periodic rate� as MPR, �average daily balance� as �ADB�, and  the cycle.  Each daily balance is the principal balance including current cycle Purchases and payments  when a currency conversion occurs.  This fee is unchanged.  Effective July 1st, 2008, Visa will also 
   applying for the Account or otherwise agreeing to be responsible for the Account.  �We�, �us�, �our�  �annual percentage rate� as �APR�. and credits as received, but excluding any unpaid Finance Charges. impose a 0.8% fee on foreign transactions where a currency conversion is not performed.   
   and �the Bank� means Hills Bank and Trust Company, the issuer of the Card and your Account creditor.  Cash Advances (Method A)  
   Other terms are de?ned in the text of the Agreement.  Please read this Agreement carefully and keep  Interest Rates and Interest Charges A Finance Charge will be imposed on Advances from the date of the Advance or from the ?rst day of  IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT
   it in a safe place to make the best use of the Hills Bank credit card (the �Card�) we issue with this  the billing cycle in which the Advance is posted to the account, whichever is later, and will continue  13. Credit Limit: The Account Credit Limit is the maximum amount of credit available and the maximum 
   Account.  The Agreement becomes effective as soon as you or someone authorized by you uses the  Annual Percentage Rate    to accrue until the date of payment.  The Finance Charge for a billing cycle is computed by applying  amount that you may owe under the Account at any time.  You may not request or obtain additional 
   Card or Account, but no later than 30 calendar days after we issue and you fail to return the Card. 10.25% to 14.25%, when  the Monthly Periodic Rate (which is the APR divided by 12 months) to the Average Daily Balance  Purchases, Advances or Balance Transfers once you have reached your Credit Limit.  The initial 
                                      (APR) for Purchases/
                                                   you open your account based on your credit  and Advances which is determined by dividing the sum of the daily balances of Advances during the  Credit Limit is shown on the Card carrier and will also appear on your monthly Account statement. 
   ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT Balance Transfers       billing cycle by the number of days in the cycle.  Each daily balance is determined by adding to the  We reserve the right to review your Account at any time and increase or decrease your Credit Line. 
                                                   worthiness.  This APR will vary with the
   1. Use: Charging privileges on the Card and Account are provided by the Bank pursuant to the terms  Previous Balance (the outstanding balance of your account at the beginning of the billing cycle) any  You may not increase your Credit Limit by carrying a credit balance over the Credit Limit we make 
   of this Agreement.  Charge activity, Account status, and any Account delinquency information will  market based on the Prime Rate. Purchase as of the date it is posted to your account and any advances as of the transaction date  available to you.  (Also see the �Advance Limits� section for more information about Limits on Advance 
   be provided to you monthly.  You may use the Card to obtain an Advance (as de?ned below) from a  or the ?rst day of the billing cycle in which the Advance is posted to the account, whichever is later,  transactions section.)
   participating ?nancial institution or ATM (Automated Teller Machine).  You may use the Account only  APR for Cash Advances 14.25% this APR will vary with the market  and subtracting all payments as received and credits as posted through that date, but excluding any  14. Payment:
   for personal, family or household purposes.     based on the Prime Rate. unpaid Finance Charges.       (a) Promise to Pay: You agree to pay for all Purchases, Advances, Finance Charges, fees and any 
   2. Your Acceptance of the Agreement: By accepting, signing or using this Card or Account, or  Any Finance Charge shown on your monthly statement is computed only through the last date of the  other obligations incurred on the Account.
   by continued use of an existing Card or Account, you are agreeing to the terms of this Agreement. How to Avoid Paying Your due date is at least 25 days after the  Billing Cycle.  Since Finance Charges continue to accrue until the date your payment is received and  (b) Method of Payment: You must pay us in U.S. dollars with checks or similar payment instruments 
   3. Account Purchases: You may use the Account to buy, lease or otherwise obtain goods or services  Interest on Purchases close of each billing cycle.  Hills Bank will not  posted to your Account, additional Finance Charges may appear on the following month�s statement.  drawn on a ?nancial institution located in the United States.  We may, at our option, choose to make 
   from participating merchants (including transactions you initiate via email, by telephone or over the  charge you any interest on purchases if you  The amount of the Finance Charge and the Advance Fee may be changed from time to time.  There  an exception and accept a payment drawn on a foreign bank.  However, you will be charged and 
   Internet) or take advantage of special promotional Convenience Check or Balance Transfer offers that  is a minimum Finance Charge of 50 cents in any billing cycle in which a Finance Charge is due. agree to pay any collection fees required in connection with such a transaction.  The date you mail a 
                                                   pay your entire balance by the due date each 
   post as Purchase Transactions (�Purchases�).  We will, in connection with any promotional Balance  11. Grace Period: You have a 25-day grace period for Purchases (including any promotional Balance  payment is different than the date we receive payment. For purposes of this Agreement, the payment 
   Transfer or Convenience Check offer we make, provide you with materials that explain whether those  month. Transfers or Convenience Checks that will post as Purchases), provided you have paid your Previous  date is the day we receive your check or money order at the address speci?ed on your monthly Account 
   transactions will post and be treated as a Purchase.  Even if you have not signed a sales draft or the  Balance in full by the Payment Due Date shown on your monthly Account statement.  In order to avoid  statement.  If you mail your payment without a payment coupon or to an incorrect address, it may 
   merchant has not supplied you with a written receipt or other proof of sale, you are responsible for  additional Finance Charges on Purchases, you must pay your New Balance in full by the Payment Due  result in a delayed credit to your Account.  This may result in additional Finance Charges, fees, and 
                                      Minimum Interest Charge If you are charged interest the charge will be 
   all Purchases made through the Account, except as expressly limited by applicable law.  See �Your  Date shown on the front of your monthly Account statement.  There is no grace period for transactions  possible suspension of your Account.
   Billing Rights� section for more detail.        no less than $0.50.  that post to the Account as Advances.  Those transactions are subject to interest from the date they  (c) Minimum Monthly Payment: Each month you must pay at least the Minimum Payment and any 
   4. Account Advances: Advances are transactions other than Purchases that allow you direct access  post to the Account until the date they are paid in full. past due Minimum Payment by the Payment Due Date shown in your monthly Account statement. 
                                      For Credit Card Tips from  To learn more about factors to consider when 
   to funds available through your Account.  Advances may include Account transactions such as cash       Your Minimum Payment for Purchases and Cash Advances is 3%, rounded up to the nearest dollar, 
   advances you obtain directly from us, other participating ?nancial institutions or ATMs, Telephone  the Federal Reserve Board applying for or using a credit card, visit the  of the total Purchase and Cash Advance balance (excluding late payment), or $25.00 � whichever is 
   Transfers, Balance Transfers, or Convenience Checks.  Monthly Account statements we issue may  website of the Federal Reserve Board at  Fees greater.  In addition, your Minimum Payment will include all amounts delinquent, and amounts in excess 
   refer to Advances as �Advance�, �Cash�, �Cash Advances� or by the product or device you used to  http://www.federalreserve.gov/creditcard. of your credit limit.  If your outstanding Purchase and Cash Advance balance is less than $25.00 then 
   obtain an Advance.  You may use your Account to obtain cash either by presenting your Card at any  $15.00 charged on the entire balance is due.  You also may pay the entire balance on your Account at any time or pay 
   bank or other ?nancial institution that accepts the Card or by making a withdrawal of cash at an ATM.  Annual Fee
                                     How we will calculate your balance: We use a method called �average daily  any amount between the Minimum Payment and your entire balance.  Any changes in your Minimum 
                                                                                        anniversary date of the card.
   We may restrict the amount of the credit limit that is available for Advances.  If an Advance limit greater  Payment due will be re?ected on your monthly statement in the month in which the Minimum Payment 
                                     balance (including new purchases)�
   than the percentage available is requested, it will be subject to credit approval.  You may be limited in  due is affected.  However, in all cases, you may continue to pay any amount equal to or greater than 
                                                                         Transaction Fees
   the amount and/or number of Advances you may make on your Account.                   � Either $5.00 or 3.00% of the  the Minimum Payment due.  
                                     9.1 Interest Rate - The APR will be determined by adding the following margins to the Prime Rate: 
   5. Convenience Checks: From time to time, we may supply Convenience Checks for use by the    � Cash Advance
                                                                                          amount of each cash advance,     (d) Application of Payment: We may allocate payments to amounts owed on your Account in the 
                                     7%, 8%, 10%, or 11%.  The margin you receive is dependent upon underwriting and credit score 
   person(s) named on those checks.  Convenience Checks are drafts that look like other checks, but       manner we deem appropriate, including but not limited to, applying payment to promotional balances, 
                                     requirements.  Your rate of margin has been determined by adding ______ percentage points (_____%)    whichever is greater, with a
   are drawn on credit available in the Account.  We may, based on the particular offers we make from     such as Balance Transfers, before applying them to Purchases and Advances.  
                                     to the Prime Rate in respect of the Account for the billing cycle. The Prime Rate used to calculate the 
   time to time, provide Convenience Checks that will post and be treated as an Advance or Convenience    maximum fee of $15.00. 15. Change of Address: Your monthly Account statements and notices about your Account will be 
                                     APR will be the Prime Rate on the 15th day of each month or the ?rst regular business day thereafter    � Foreign Transaction
   Check that will post and be treated as a Purchase.  We will, in connection with any Convenience Check  � 1.0% when a currency conversion  sent to the address you provided in your application or your response to our Account solicitation.  To 
                                     as published on that business day in the Money Rates column of The Wall Street Journal (�WSJ�). 
   we provide, include materials that explain whether the Convenience Check will post and be treated as    occurs.  0.8% when a currency    change your address, you must call us at 1-800-445-5725 or write to us at the following address:  
                                     The APR may increase if the Prime Rate increases. An increase will take effect the day after your 
   an Advance or as a Purchase.  Convenience Checks must be written in U.S. dollars.  We may return          Credit Card Department
                                     statement cycles following the 15th of the month. An increase will result in an increase in the ?nance 
   a Convenience Check unpaid if:                                                         conversion is not performed. Hills Bank and Trust Company 
                                     charge and it may have the effect of increasing your periodic minimum payment. The APR will not 
   (a) the credit available under your Credit Limit is less than the Convenience Check amount;               131 Main Street
                                     change more often than once a month. A decrease will have the opposite effect of an increase. If the 
   (b) the Account is in default; or                                     Penalty Fees   Penalty Fees         P.O. Box 160
                                     Prime Rate changes more frequently than the APR, we will always use the Prime Rate in effect on 
   (c) the Convenience Check is improperly signed or otherwise fails to conform to our
                                     the day we adjust the APR to determine the new APR. In such case we will ignore any changes in    � Late Payment � $27.00 Hills, Iowa 52235
   regularly accepted standards for check payment.  Convenience Checks may not be used                    We must receive this information 15 days before the date a billing cycle closes to provide your Monthly 
                                     the Prime Rate that occur between APR adjustments. Any rate change will be applied to all balances    � Returned Payment � $27.00
   to pay the Account or any obligation you owe us or our af?liates.                                      Account statement at your new address.  Note: If you have an address change within 45 days of the 
                                     carried forward from the last statement. We reserve the right to choose a comparable new index if the 
   6. Paying and Stopping Payment on Convenience Checks: You must use the number and address    � Returned Convenience Check � $35.00 expiration date of your Card(s), please contact Customer Service at 
                                     WSJ ceases to publish a Prime Rate.
   provided in the �Lost or Stolen Card or Convenience Checks� section below to request that payment be   1-800-445-5725 with that information so your new Card(s) can be mailed to your new address.
                                     9.2 Interest Rate for Cash Advances: The MPR and the corresponding variable APR will be determined 
   stopped on a Convenience Check.  You must call us promptly with an oral stop payment request and       16. Authorized Use: You agree not to give your Card to anyone else or to authorize anyone to use the 
                                     by adding eleven percentage points (11.0%) to the Prime Rate in respect to the Account for the billing 
   then provide us with a written con?rmation of the stop payment request within 14 calendar days.  Any 
                                     cycle.  The Prime Rate used to calculate the APR will be the Prime Rate on the 15 th Account.  If you give your Card or Account number to someone and they use either, you will be liable 
                                                                day of each month 
   stop payment request we receive will remain in effect for 6 months, unless you renew the request in  12. Account Fees: You agree to pay the following Account fees and Finances Charges: for any charges that the person incurs.
                                     or the ?rst regular business day thereafter as published on that business day in the Money Rates 
   writing before the end of that time.  We may pay Convenience Checks more than 6 months old.  There  (a) Advance Fee: We will add a Finance Charge to the Advance balance of the Account 17. Lost or Stolen Card or Convenience Checks: You must notify us immediately if your Card or 
                                     column of The Wall Street Journal (�WSJ�).  The APR may increase if the Prime Rate increases. 
   may be circumstances under which a Convenience Check must be paid, even if we have received a stop  in the form of the Advance Transaction Fees disclosed below for each Advance you obtain during a  Convenience Checks are lost or stolen or there is possible unauthorized use of your Card or Account. 
                                     An increase will take effect the day after your statement cycles following the 15th of the month.  An 
   payment request from you.  We will not be liable to you if we do not honor your stop payment request  billing cycle.  The fees imposed will equal the greater of the fees based on a disclosed percentage of  You will not be liable in excess of $50 for any loss, theft or loss for purchase charges that occur after 
                                     increase will result in an increase in the ?nance charge and it may have the effect of increasing your 
   under those circumstances.  If it is determined that a Convenience Check should have been paid, but  each Advance of the minimum dollar amount, shown below. noti?cation to the Bank.  You must notify the Credit Card Department by phone at 1-800-445-5725, 
                                     periodic minimum payment.  The APR will not change more often than once a month.  A decrease will 
   was not, we will not be liable for any consequential, punitive or incidental damages if we acted in good  CASH RECEIVED  PERCENTAGE  MINIMUM or 1-800-423-7503 or in writing to:
                                     have the opposite effect of an increase.  If the Prime Rate changes more frequently than the APR, we 
   faith.  Our only obligation under those circumstances will be to pay the designated payee the amount  FROM:   OF CASH FEE:  MAXIMUM: Credit Card Department
                                     will always use the Prime Rate in effect on the day we adjust the APR to determine the new APR.  In 
   of the Convenience Check and cancel any charges assessed against your Account as a result of any  FINANCIAL INSTITUTION  3%  $ 5.00 Hills Bank and Trust Company 
                                     such case we will ignore any changes in the Prime Rate that occur between APR adjustments.  Any rate 
   wrongful failure to honor the Convenience Check.                       OR ATM                $15.00       131 Main Street
                                     change will be applied to all balances carried forward from the last statement.  We reserve the right to 
   7. Balance Transfers: We may permit you to transfer balances from other companies, including ?nancial  (b) Annual Membership Fee: $15.00  P.O. Box 160
                                     choose a comparable new index if the WSJ ceases to publish a Prime Rate.  The Annual Percentage 
   institutions.  However, you cannot make Balance Transfers from the Bank accounts.  The amount of  (c) Late Fee: We will add a Late Payment Fee of $27.00 to the Purchase balance of the Account if your  Hills, Iowa 52235
                                     Rate will never decrease below 12.00%. 
   your total Credit Limit which we may allow to you for a Balance Transfer reduces the amount of the  Minimum Payment is not received by the Payment Due Date shown on the monthly Account statement. If this happens, we will ask you and all other persons given Account access to return all Cards and 
                                     10. Interest Finance Charge: Finance Charges on your Account for Purchases and Advances are 
   Credit Limit available for Purchases and Advances.  Finance Charges on your Balance Transfers accrue  (d) Returned Check Fee: We will add a Returned Check Fee of $27.00 to the Purchase balance of the  unused Convenience Checks to our Credit Card Department.  In addition, we have the right to close 
                                     calculated separately.  
   from the date of transfer to your Account.  If you reach your limit on the amount of credit we allocate to  Account if a draft or check you give us as payment on the Account is not honored or if we must return  your Account and open a new Account.  If we do so, new Cards and Convenience Checks will be 
                                     Purchases (Method G)  
   you for one or more Balance Transfers, you may not transfer additional balances even if you have not  it to you because it cannot be processed.  A check that is returned unpaid may be sent for collection. issued for your new Account.  
                                     A ?nance charge will be imposed on purchases only if you elect not to pay the entire New Balance 
   reached your total Credit Limit.  Balance Transfers will post to the Account and be separately re?ected  (e) Returned Convenience Check Fee: We may charge a fee of $35.00 to the Purchase balance of  18. U.S. Currency:  If you make a purchase or cash advance in foreign currency the transaction will 
                                     shown on your previous monthly statement within 25 days from the closing date on the statement. 
   on the monthly Account statements as a Balance Transfer, or, depending upon the offer, may post to  the Account if you write a Convenience Check that we do not honor under the terms of this Agreement.  be converted into U.S. Dollars by Visa.  
                                     If you elect not to pay the entire New Balance shown on your previous monthly statement within 25 
   the Account and be treated as a Purchase, or as an Advance transaction. (See �Convenience Checks�, and �Paying and Stopping Payment on Convenience Checks� sections  For Visa Accounts: To the extent that you have used your Visa card to purchase goods or services, 
                                     days from the closing date on the statement, a ?nance charge will be imposed on the unpaid balance 
                                                                        for more details).                or obtain cash in another country, your statement may re?ect the conversion into U.S. dollars of 
                                     of purchases from the statement closing date (including new purchases) and will continue to accrue 
   FINANCE CHARGES AND ACCOUNT FEES                                     (f) ATM Surcharges: When you use an ATM not owned by us, you may be charged a fee by the ATM  transactions that occurred, initially, in a different currency.  The exchange rate applied to such 
                                     until the closing date of the billing cycle preceding the date on which the entire new balance is paid in 
   8. Account Finance Charges: Finance Charges re?ect the cost of credit.  Your total Finance Charge  owner or network used to complete the transaction and you may be charged for a balance inquiry. transactions is a (i) wholesale market rate or (ii) government-mandated rate in effect one day prior 
                                     full or until the date of payment if more than 25 days from the closing date.
   for any billing cycle will equal the amount of any (a) periodic rate Finance Charges (sometimes referred  (g) Card Usage Reports Fee: We may offer additional reports regarding Card usage and Account  to the processing date, increased by one percent.  We reserve the right to charge you an additional 
                                     The Finance Charge for a billing cycle is computed by applying the Monthly Periodic Rate (which is 
             Credit Card Addendum � Visa Platinum Rewards 
              
              
             Hills Bank determines rate of margin by these underwriting criteria: 
                  -  Credit Score 
                  -  Income 
                  -  Debt to Income Ratio 
                   
             Depending on the underwriting and credit score requirements your variable interest rate 
             will be based on the prime rate plus a margin of 7 percent, 8 percent, 10 percent, or 
             11percent.