ge f uilding a successful financial When you use the... Eguwe plan takes the right resources. 4 nr: oust a => gg 8 That's why we work hard to @ Pinnacle Bank a provide you with quality financial services MasterCard® Credit Card for and products. Like our convenient, the purchase of goods or services, the following benefits flexible Gold MasterCard® Credit Card. are yours at no additional cost! It's accepted at thousands of locations TRAVEL ADVANTAGE BENEFITS:   afetggaldl ft gly fypedog Dene HY foccf poly Hled tea AU HN          worldwide for just about any type of Bonus Trave! Dividends 2 : : = tr can dr up. And, unlike « Concierge Services <— i purchase you eam Up + Automobile Rental Insurance mo those big out-of-town institutions, our - Auto Rental Discount _ . . + Medical Assistance Services ane card comes with the personal, friendly -Lost or Damaged Luggage Insurance : Dp 1 . _ 1 3/2 x service you've come to expect from us. Hotel Motel Theft Insurance 5/5 2 ENROLLMENT REQUIRED: = of é 2 $ So, whatever your plans, choose the -Paymnent Card Registration a ry . 7 7 Mis x58 credit card that gives you all the value Key Registration Ww) |z aZQu Lost Luggage Locator Service Lez|@ ae = and buying power you need to get your Not FDIC-insured. Not Insured by any Federal Zo z ws Ss ; ; Government Agency. Not a deposit. Not aw 24 = projects off the drawing board, Guaranteed by the Bank. May go down in value. 32/2 295 21s 20a ej ada TRAVEL ACCIDENT INSURANCE     with you wherever you go. Apply for yours today! You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher fearning) are automatically covered with common carrier travel accident insurance every time you travel by ait, bus, transaction. train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST. Not FDIC-Insured. Not Insured by any Federal Government consumer's account, of by any national, regional or local Agency. Not 2 deposit. Not Guaranteed dy the Bank. This MasterCard® Card may not be used for any illegal Goid MasterCard® A fee may he imposed by an ATM operator not holding the   é Pinnacle Bank network used to complete the transaction. 12    Interest Rates and Interest Charges . MasterCar Annual Percentage Rate (APR) for Purchases 13.80% APR may vary with the market based on the Prime Rate.                         Check Account Choice: i tharidisal Account CREDIT APPLICATION (Signature requved fa jin sci SRR ntact Credit Limit Requested $ MasterCard a brea tee mance   IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the govemment fight [ne funding of lerrorisrm and institutions la oblain, verily identi an Account, information thal will alr ui laundering actviles, Federal laws require a4 Enancial and reoodd inkoation that identities each person who opens. Whalshis means to your When you open an Accounl, we wil ask ky your name, address. dale of bath, and other     driver's license ac ather ident                                             ' LostDamaged Fee     $20.00     How We Will Calculate Your Balance: We use a method called “average daily balance {including new purchases)” An explanation of this method is prowided in your credit card agreement. Billing Rights: Information on your Others Th bes nis to dispule Lransachons and how lo exercise thase nghis is ‘ : The APR may increase with fhe markel based on ihe prime rate. The annual : is the rale published if the Wall Sireat Journal oa the isl day of the peor month, Varigble sale cele hon A ee boaber bateee ch year. The pi le used lo determi APR ntage rate may vel ow of ear af. The ie Fale O Getenrune ir. hy adding (600% toh Prime Rae ye                                       ‘Cred Line Approved By APR for Balance Transfees NIA i Last Name First Middle ‘Social Security Number 43.90% : Date of Bath Wo, of Oependenis Home Phone Cell Phone en Rent Ober | Monthiy Payment § APR for Cash Advances APR may vary with the market based on the Prime Rate. : f3 | {3 370 : = | Cument Address City Slate Bip Cote How Long (yrs) Penalty APR and When it Applies NIA : : : §ha : — F : | Mating if ceesent kom above! Your due dale is at least 25 days after the close of each billing cycle. We will nal charge you j Bg Aaskess (ferent kom stow} on Sie Be Code Mow Langs) Paying Interest interest on purchases if you pay your entire balance by the due dale each month, We will begin : Ae - . _ charging interest on cash advances on the transaction date. We do not offer balance transfers, a Previous Adktess (leas than 2 years al presend addess) Sty Sale Zip Code How Long fyts} 438 Minimum Interest Charge None =a | Employer Set Employed ‘Work Phone Date Empkryed g a. = aes Ties No {oJ . . . . Tol i i i if z = = For Credit Card Tips from the Consumer Financial ait arn more about ‘actors to consider when applying for'or using a credit card, FF ‘Address PosiliontOccupaion Honihiy Gross Income 3 Protection Bureau http JAvany.consumerfinance.govilearmmore. as 2° | Name and Address of Prewcous Employer (illess than 2 years al present employer] How Long (yrs] MasterCard® 2 ‘Source of Addiional lacome: bncomne fr . cha teinlonaree read rotbe reveaied iid hot opieioredin fetormaee eine Arrant er Hooks Annual Fee $30.00 : : Nearest Relative (Not Lrang With You} Home Phace, Retatonshep (3 Transaction Fees Cast Name Fst Wide Sodal Seounty Number + Balance Transfer None ste of ith No. ol Dependents Home Phone cal Phone ‘Sen Reni Orr Monthy Payment $ ei ‘ S3 - = » Cash Advances Nene Fe ui Cumrent Addiess hy State Zip Code Haw Long {ys} bam ht + Foreign Transaction 1.0% of each multi-currency transaction in us. Dollars Pe Previous Address (if less than 2 years al present address) oy Sate Zip Code How Long (975) 0.80% of each single currency transaction in U.S. Collars. oF 85 | Emsoyer Sell Employed Work Phone Date Employed Penalty Fees " ayes Ne {oI Addess, PositantOceupation Mondhty Geass Income $ + Late Payment Up to $20.00 _— >, | Name and Address of Credeer Name under Which Account & Ganied ‘Account Number Balance Monthly Payment epic L228 [1 Home MongageRem + Over the Credit Limit None ae ney 7. Bark Credi CardiBank Name and Adress * Relumed Payment None oa PLEASE READ TRE FOLLOWING CAREFULLY BEFORE SiGHING: This statement is submitied fo obtain credit and lave cavity thal ail inlorreation imarein is true and-complele. Le agree that Other F: ig inquiries may be made to verify inlormabon and thal erect relerences of veriication may be gion based on inquires fram olher parties. This offer is subject Io the credit policies of his insitulion. Ive er Fees Ee agree 1 be bound by the lerms and conélions of ine cardholder agreement, 4 copy of which wil ke mailed (o the applicant if his appucalion is granted, reeeipl of such eqreemenl and acceplance D such terms ko be Conclusively presumed by the applicant's use. Il you inlend to apply For joint crac, be i shallde jointly and severaly bable lor any and all cred extended from lime ko $1 0.00 per occurrence it processed with a live representative No charge if processed = Sime. We may report iadormation about your aocounl lo tha credit bureaus. Late paymenis, (essed paymenis, of other defautts on your account may be reflected in your creda repori. * Telephone payment fee thro. pl * rg o |x x rough the automated system, % LSignzhwe Cae Con Appicand Siqnalre Date Z Z ‘MasterCard Accounl No. ® Ba   Pinnacle Bunk, Papiition, NE 6016 FOLD AND SECURE WITH TAPE FOR MatLixG Application 82009 FIST E112 All contents are accurate at the time of printing, for changes that may have been made after printing please call (300) 369-7283.       YOUR BILLING RIGHTS: KEEP THiS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and sesponsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT HWyou think there is an error on your statement, write to us at the address shawn on your monthly billing statement.    fn your lener, give us the following information: . ion: Your name and account number. * Dellar Amount: The dollar amount of the suspected error, © Dessziption of Problem: 'f you think there is an error.on yourbill, describe what you believe is wrong and why yau believe itis a mistake. ‘You must contact us: © Within 60 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, # you want to stop Payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically). You may call us, but if you do, we are nol required to investigate any potential errors and you may have to pay the amount in question. WHAT WILE HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your latter, we must do two things: 1, Within 30 days after receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the ertor. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: * We cannot try te collect the amount in question, or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge you interest on that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your credit limit After we finish our investigation, one of two things will happen: . i: : Yau will not have to pay the amount in question or any interest or other Jees related to that amount. bd i i: : You will have to pay the amount in question, along with applicable interest and fees. We will send you 2 statement of the amount you Owe and the date payment is due. We may then report you as delinquent if you do not Pay the amount we think you owe. if you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. Ifyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to when we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. I we de not follow all of the nules above, you do not have to pay the first $50 of the amount in question, even if your bill is correct. ‘YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in goad faith to correct the prablem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your hame state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we awn the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in saiting (or electronically} at the address shown on your monthly billing statement. While we investigate, the same rules apply to the cisouted amount as diseussed above. After we finish our investigation, we will tell you our decision. At that point, # we think you owe an amount and you do net pay, we may report you as delinquent.       REV 01/13 01.13_CREDITCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card{s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement, You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” “Us," and “Qur” mean Pinnacle Bank/ Bank of Colorado. “You” and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us, “Card” means each credit card we issue to you for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total ammount of the transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a sales draft, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of yau will be jointly and individually responsible fer repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. if you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.C. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted, For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must alse tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission, D, CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Lirnit, we can still charge you for ail purchases, Interest Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty, You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST . At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application. Fhe APR is divided by 365 and rounded ta the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate, The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 14.00% to the U.S. prime rate published in The Wall Street Journal on the first day of the prior month (“Prime Rate”). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers).   To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. |. GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without losing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law, You may cancel your card without penalty if you do net accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S) You are responsible for promptly notifying us of a change in your name, address {including any e-mail address at which you agree to be contacted), or telephone number(s) including any wireless telephone number(s).