payment instrument marked �Paid in Full� that you send without a written explanation of the  credit reporting agencies (credit bureaus) and used in connection with your application and  credit and termination of your Account.  The Arbitration Provision shall be governed by the 
   disagreement or dispute, we will not have waived our right to collect any remaining amount  any update, renewal, or extension of credit.  We may provide information about you, your  FAA, 9 U.S.C. �1 through �6.
   you owe us under the terms of the Account.   Account, or your credit history to credit reporting agencies and others who may properly 
   23.  Default:  You and the Account will be in default if: receive that information. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
   (a)  you do not make the Minimum Payment by the Payment Due Date (disclosed on the  30.  Credit Bureau Disputes:  If you believe we inaccurately reported credit history  This is important information about your rights and our responsibilities under the Fair Credit 
   monthly Account statement as the Payment Due Date); information about you or the Account to a credit bureau, call us at 1-800-445-5725 or write  Billing Act.  
   (b)  you violate any other provision of this Agreement; to us at:    NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
   (c)  you become insolvent, assign any property to your creditors, or go into bankruptcy                  eServices Department If you think your bill is wrong or you need more information about an item or transaction on 
   or receivership;                       Hills Bank and Trust Company  your monthly billing statement, YOU MUST WRITE TO US ON A SEPARATE SHEET OF 
   (d)  you have made false statements affecting the application or maintenance of your Account;       131 Main Street PAPER AND SEND IT TO:
   (e)  you go over your Credit Limit;       P.O. Box 160                    eServices Department
   (f)  we have any reason to believe that the Account is in danger of, or is being used for fraud; or       Hills, Iowa 52235      Hills Bank and Trust Company 
   (g)  anything happens that we believe in good faith materially increases the risk that you will  31.  Refusal to Honor Transactions:  The Bank and its agents are not responsible if anyone        131 Main Street
   not live up to your payment and other obligations under this Agreement. refuses to honor your Card or a Convenience Check, or if authorization for a particular        P.O. Box 160
   If you are in default, we may, to the extent permitted by applicable law, set-off and withdraw  transaction is not given.  Although you may have credit available under the Account, we        Hills, Iowa 52235
   any portion or all of the amount due under your Account Agreement against any balance,  may be unable to authorize credit for a particular transaction.  The number of transactions  Write to us as soon as possible. We must hear from you no later than 60 days after we sent 
   credit, deposits, accounts, or other property of yours in our possession, after giving you any  you make as well as the dollar amount you may withdraw from or charge to your Account in  you the ?rst bill where the error or problem appeared.  You can telephone us, but doing so  Visa Platinum
   notice required by applicable law.  Should the obligation fall delinquent, and a judgment is  one day may be limited, and the limit per day may vary.  These restrictions are for security  will not preserve your legal rights under the Fair Credit Billing Act.  In your letter, include the 
   obtained then the judgment shall accrue interest at the rate of 18.0% per annum until the  reasons.  And, as a result, we cannot explain the details of how this system works.  If your  following information:
   judgment is Paid in Full.         Account is over limit or delinquent, authorization of credit for transaction may be declined.   (1)  Your name and Account number;
   24.  Illegal Purchases:  The Card must not be used for any unlawful purpose, such as  We are not responsible for anything Purchased with your Card or a Convenience Check,  (2)  the dollar amount of the suspected error;
   tending any account that is set up to facilitate online gambling.  You agree that you will not  except as expressly required by applicable law (see �Your Billing Rights� section for more  (3)  the date the transaction occurred (if possible); and
   use or knowingly permit another to use the Card or Account for any transaction that is illegal  details.)  You must return goods you Purchased with the Card or Account to the Merchant  (4)  describe the error, and explain if you can why you believe there is an error.  If you need  Credit Card 
   under applicable law.             and not to us.  Third party offers � From time to time, third parties may provide you with  more information, describe the items you are not sure about.  If you have authorized us to 
                                     bene?ts not related to the extension of Account credit.  We are not liable for these features,  pay your credit card bill automatically from your savings or checking account, you can stop 
   THE BANK�S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT services and enhancements, as they are the sole responsibility of the third party provider.   the payment on any amount you believe is wrong.  To stop the payment, your letter must 
   25.  Ownership of this Account; Governing Law:  Your Card and any other Account  The Bank and/or third party may add, change, or delete entirely these bene?ts without notice  reach us three business days before the automatic payment is scheduled to occur.
   access devices that we supply to you are our property, and must be immediately returned  or liability to you, to the extent permitted by applicable law.  You agree to hold us harmless  YOUR RIGHTS AND RESONSIBILITIES AFTER WE RECEIVE WRITTEN NOTICE Agreement
   to us or otherwise destroyed or surrendered as we instruct.  We extend all Account credit to  form any claim, actions, or damages resulting from your use of any of these features,  We must acknowledge your letter within 90 days, unless we have corrected the error 
   you in and from the State of Iowa, regardless of where you reside or use the Account.  This  services, or enhancements, when permitted by applicable law. by then.  Within 90 days, we must either correct the error or explain why we believe the 
   Agreement is governed by Iowa law, and, to the extent necessary for interest exportation  32.  Telephone Monitoring:  From time to time, we may monitor telephone calls you make  statement was correct.
   or consumer protection purposes, by federal law, regardless of the internal con?ict of law  to us or our agents. After we receive your letter, we cannot try to collect any amount you questioned or report 
   principles of the state where you reside or use the Account.  If a dispute arises and you ?le a  33.  Severability:  If a court of competent jurisdiction ?nds any part of this Agreement illegal  your Account as delinquent.  We can continue to bill you for the amount you questioned, 
   lawsuit against us, service or process must be made on the Bank at the following address:   or unenforceable, the remaining portions of the Agreement will remain in effect as written  including Finance Charges, and we can apply any unpaid amount against your Credit Limit.  
        eServices Department         after any such illegal or unenforceability porting is amended in compliance with applicable  You do not have to pay any questioned amount while we are investigating, but you are still 
        Hills Bank and Trust Company  law or, if necessary, voided.     obligated to pay the parts of your Account that are not in question.
        131 Main Street              34.  Entire Agreement:  This version of the Agreement replaces any previous versions of the  If we ?nd that we made a mistake on your bill, you will not have to pay any Finance Charges 
        P.O. Box 160                 Agreement.  The Agreement, as modi?ed by any change in terms we may deliver from time  related to the questioned amount.  If we did not make a mistake, you may have to pay 
        Hills, Iowa 52235            to time in accordance with applicable law, constitutes the entire agreement between you and  Finance Charges and you will have to make up any missed payments on the questioned 
   26.  Changing the Agreement:  The Bank may change all or any part of this Agreement  us, and supersedes any prior negotiation or understanding between you and us concerning  amounts.  In either case, we will send you a statement of the amount you owe and the 
   at any time, including changing the APR and other fees on the Account, unless prohibited  the subject matter of the Agreement. Payment Due Date.
   by law.  We will give at least 30 days notice before the effective date of any change.  On  35.  Waiver:  We do not give up our rights under the Agreement or applicable law when we  If you fail to pay the amount that we think you owe, we may report you as delinquent.  
   the effective date, the changes, including any changes in APR or recalculation of Finance  fail to exercise or delay exercising these rights.  Our failure or delay to exercise any right or  However, if our explanation does not satisfy you and you write us within ten days telling us 
   Charges, will apply to all amounts you owe at the time the change goes into effect.  If you  remedy we have against you does not mean that we waive that right. that you still refuse to pay, we must tell anyone we report you to that you have a question 
   do not agree to the changes, you must notify us in writing within 25 days after the effective  36.  Arbitration:  In requesting an Agreement from us and accepting the Agreement, you  about your bill.  And, we must tell you the name of anyone we reported you to.  We must tell 
   date of the change; you also must pay any remaining amount due and destroy the Card.   agree that if a dispute of any kind arises out of this Agreement, either you or we may choose  anyone we report you to that the matter has been settled between us when it ?nally is.
   You may pay the remaining amount all at once or the Bank may allow you to continue  to have that dispute resolved by binding arbitration.  If arbitration is chosen by any party,  SPECIAL RULES FOR CREDIT CARD PURCHASES
   making payments under the existing terms.  Otherwise, you will have agreed to the changes  neither you nor we will have the right to litigate that claim in court or to have a jury trial on  If you have a problem with the quality of property or services that you Purchased with your 
                                                                                                                 Hills Bank
   in the notice.  Use of the Account after the effective date of the changes shall be deemed  that claim, or to engage in pre-arbitration discovery, except as provided for in the arbitration  Card, and you have tried in good faith to correct the problem with the Merchant, you may 
   acceptance of the new terms, even if the 25 days have not expired. rules.  In addition, you will not have the right to participate as a representative or member of  have the right not to pay the remaining amount due on the property or services.  There are 
   27.  Cancellation:                any class of claimants pertaining to any claim subject to arbitration.  The Arbitrator�s decision  two limitations on this right and both must apply: and Trust Company
   (a)  The Bank may cancel the Account or suspend credit privileges immediately and without  will generally be ?nal and binding.  Other rights, that you would have if you went to court,  (1)  You must have made the Purchase in your home state or, if not within your home state  Member FDIC � hillsbank.com
   notice if the Account is in default.  We may also cancel the Account in our sole discretion  may also not be available in arbitration.  It is important that you read the entire Arbitration  within 100 miles of your current mailing address; and 
   (even if the Account is not in default) by providing notice to you.  You may cancel the  Provision carefully before accepting the terms of this Agreement. (2)  The purchase price must have been more than $50.00.
   Account by providing notice to us. Any claim, dispute, or controversy (whether in contract, regulatory tort, or otherwise, whether  The conditions do not apply if we own or operate the Merchant or if we mailed you the 
                                                                                                                     eServices Department
   (b)  After cancellation of the Account, you will not be able to obtain additional credit on the  pre-existing, present, or future and including constitutional, statutory, common law, intentional  advertisement for the property or services.
   Account and must agree not to use the Account.  All amounts outstanding on the Account will  tort, and equitable claims) arising from or relating to (a) the Card it offered or provided to  SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO PURCHASES 
                                                                                                                   131 Main St � PO Box 160
   be immediately due and payable without notice or demand. you; (b) the actions of you, or third parties; or (c) the validity of this arbitration provision  MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER CHECKS.
   (c)  If you fail to pay any amount you owe under this Agreement, you will be liable for our  individually and collective, (a �Claim�) must, after an election by you or us, be resolved         eServices Department
                                                                                                                      Hills, IA 52235
   costs of collecting.  In addition, if we refer our claim to an attorney for collection, you will be  by binding arbitration in accordance with this arbitration provision and the Commercial    Hills Bank and Trust Company
   liable for reasonable attorney�s fees we incur and expenses of any legal actions. Arbitration Rules of the American Arbitration Association (�AAA�) in effect when the Claim          131 Main Street
                                                                                                                      1-800-445-5725
   28.  Assignment of your Account to Another Creditor:  We may assign, sell, or transfer  is ?led (or, in the event this arbitrator or these arbitration rules are no longer available, then          P.O. Box 160
   your Account and amounts owed by you to another creditor at any time.  If we do, this  a comparable substitute arbitration procedure and/or arbitration organization that does         Hills, Iowa 52235
   Agreement will still be in effect unless and until amended and any references made in this  business on a nationwide basis).  There shall be no authority for any Claim to be arbitrated            1-800-445-5725
   Agreement to �we�, �us�, �our�, or �the Bank� will refer to the creditor to which we assigned,  on a class action basis.  An arbitration can only decide our or your Claim and may not 
   sold, or transferred the Account or amounts owed under the Account.  You may not delegate  consolidate or join the claims of other persons who may have similar Claims.  You may  We may report information about your Account to credit bureaus.  Late payments, missed 
   your obligation and responsibilities to us to any third party without our express written  obtain rules and forms by calling the AAA at 1-800-778-7879.  Any arbitration hearing that  payments, or other defaults on your Accounts may be re?ected in your credit report.
   consent.                          you attend will take place in the federal judicial district where you reside.  At your request, 
                                     we will advance the ?rst $250.00 of the ?ling and hearing fees for any Claim you may ?le  Rev. 6/11
   THE BANK�S LEGAL RIGHTS AND OBLIGATIONS against us.  The arbitrator will decide whether we or you will ultimately pay those fees.  The 
   29.  Collecting Credit Information About You:  You authorize us to make any credit,  arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act 
   employment, and investigative inquiries we feel are appropriate related to giving you credit  (FAA) and applicable statutes of limitation, and shall honor claims of privilege recognized 
   or collecting amounts owed on your Account.  You agree that a consumer credit report or  at law.  Judgment upon the award rendered by the arbitrator may be entered in any court 
   business bureau ?le request, as applicable, may be requested periodically from one or more  having jurisdiction.  This Arbitration Provision shall survive repayment of your extension of 
   This is a card member agreement and disclosure statement (�Agreement�) between you and  to your Account.  If you reach your limit on the amount of credit we allocate to you for one  the following month�s statement.  The amount of the Finance Charge and the Advance Fee  Minimum Payment due will be re?ected on your monthly statement in the month in which 
   Hills Bank and Trust Company containing the terms that will apply to your Hills Bank Visa  or more Balance Transfers, you may not transfer additional balances even if you have not  may be changed from time to time.  There is a minimum Finance Charge of 50 cents in any  the Minimum Payment due is affected.  However, in all cases, you may continue to pay any 
   Platinum (�Account�).  In this Agreement, �you� and �your� means each individual accepting  reached your total Credit Limit.  Balance Transfers will post to the Account and be separately  billing cycle in which a Finance Charge is due. amount equal to or greater than the Minimum Payment due.  
   a solicitation or applying for the Account or otherwise agreeing to be responsible for the  re?ected on the monthly Account statements as a Balance Transfer, or, depending upon the  11.  Grace Period:  You have a 25 day Grace Period for Purchases (including any  (d)  Application of Payment:  We may allocate payments to amounts owed on your 
   Account.  �We�, �us�, �our�, and �the Bank� means Hills Bank and Trust Company, the issuer  offer, may post to the Account and be treated as a Purchase, or as an Advance transaction. promotional Balance Transfers or Convenience Checks that will post as Purchases),  Account in the manner we deem appropriate, including but not limited to, applying payment 
   of the Card and your Account creditor.  Other terms are de?ned in the text of the Agreement.   provided you have paid your Previous Balance in full by the Payment Due Date shown  to promotional balances, such as Balance Transfers, before applying them to Purchases and 
   Please read this Agreement carefully and keep it in a safe place to make the best use of  FINANCE CHARGES AND ACCOUNT FEES on your monthly Account statement.  In order to avoid additional Finance Charges on  Advances.  
   the Hills Bank credit card we issue with this Account (the �Card�).  The Agreement becomes  8.  Account Finance Charges:  Finance Charges re?ect the cost of credit.  Your total  Purchases, you must pay your New Balance in full by the Payment Due Date shown on the  15.  Change of Address:  Your monthly Account statements and notices about your Account 
   effective as soon as you or someone authorized by you uses the Card or Account, but no  Finance Charge for any billing cycle will equal the amount of any (a) periodic rate Finance  front of your monthly Account statement.  There is no grace period for transactions that post  will be sent to the address you provided in your application or your response to our Account 
   later than 30 calendar days after we issue and you fail to return the Card. Charges (sometimes referred to as �interest� here and on monthly Account statement); (b)  to the Account as Advances.  Those transactions are subject to interest from the date they  solicitation.  To change your address, you must call us at 1-800-445-5725 or write to us at 
                                     Advance transaction fees; and (c) any other transaction fees that are considered Finance  post to the Account until the date they are paid in full. the following address:  
   ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT Charges.  In some of the following sections we have abbreviated the terms �monthly periodic  12.  Account Fees:  We may charge the following fees.  The amounts of these fees are  eServices Department
   1.  Use:  Charging privileges on the Card and Account are provided by the Bank pursuant to  rate� as MPR, �average daily balance� as �ADB�, and �annual percentage rate� as �APR�. listed in the attached rates and fee table. Hills Bank and Trust Company 
   the terms of this Agreement.  Charge activity, Account status, and any Account delinquency  9.1  Introductory rate:  Your Annual Percentage Rate and the corresponding monthly  (a)  Cash Advance Transaction Fee:  We will add a Finance Charge to the Advance  131 Main Street
   information will be provided to you monthly.  You may use the Card to obtain an Advance (as  periodic interest rates are listed on the attached rates and fee table.  The Prime Rate used  balance of the Account in the form of the Advance Transaction Fees disclosed below for  P.O. Box 160
   de?ned below) from a participating ?nancial institution or Automated Teller Machine (ATM).   to calculate the APR will be the Prime Rate on the 15 th  day of each month or the ?rst regular  each Advance you obtain during a billing cycle.  The fees imposed will equal the greater of  Hills, Iowa 52235
   You may use the Account only for personal, family, or household purposes.   business day thereafter as published on that business day in the Money Rates column of  the fees based on a disclosed percentage of each Advance of the minimum dollar amount,  We must receive this information 15 days before the date a billing cycle closes to provide 
   2.  Your Acceptance of the Agreement:  By accepting, signing, or using this Card or  The Wall Street Journal (�WSJ�). The APR may increase if the Prime Rate increases. An  shown below. your monthly Account statement at your new address. Note:  If you have an address change 
   Account, or by continued use of an existing Card or Account, you are agreeing to the terms  increase will take effect the day after your statement cycles following the 15 th  of the month.  CASH RECEIVED  PERCENTAGE  MINIMUM within 45 days of the expiration date of your Card(s), please contact the Hills Bank Contact 
   of this Agreement.                An increase will result in an increase in the ?nance charge and it may have the effect of  FROM:   OF CASH FEE:  MAXIMUM: Center at 1-800-445-5725 with that information so your new Card(s) can be mailed to your 
   3.  Account Purchases:  You may use the Account to buy, lease, or otherwise obtain goods  increasing your periodic minimum payment. The APR will not change more often than  FINANCIAL INSTITUTION  3.0%  $ 5.00 new address.
   or services from participating merchants (including transactions you initiate via email, by  once a month. A decrease will have the opposite effect of an increase. If the Prime Rate  OR ATM   $15.00 16.  Authorized Use:  You agree not to give your Card to anyone else or to authorize 
   telephone, or over the Internet) or take advantage of special promotional Convenience  changes more frequently than the APR, we will always use the Prime Rate in effect on the  (b)  Annual Fee:  None  anyone to use the Account.  If you give your Card or Account number to someone and they 
   Check or Balance Transfer offers that post as Purchase Transactions (�Purchases�).  We  day we adjust the APR to determine the new APR. In such case we will ignore any changes  (c)  Late Payment Fee:  We will add a Late Payment Fee of $27.00 to the Purchase balance  use either, you will be liable for any charges that the person incurs.
   will, in connection with any promotional Balance Transfer or Convenience Check offer we  in the Prime Rate that occur between APR adjustments. Any rate change will be applied  of the Account if your Minimum Payment is not received by the Payment Due Date shown on  17.  Lost or Stolen Card or Convenience Checks:  You must notify us immediately if your 
   make, provide you with materials that explain whether those transactions will post and  to all balances carried forward from the last statement. We reserve the right to choose a  the monthly Account statement. Card or Convenience Checks are lost or stolen or there is possible unauthorized use of your 
   be treated as a Purchase.  Even if you have not signed a sales draft or the merchant has  comparable new index if the WSJ ceases to publish a Prime Rate. (d)  Returned Payment Fee:  We will add a Returned Payment Fee of $27.00 to the  Card or Account.  You will not be liable in excess of $50.00 for any theft or loss for purchase 
   not supplied you with a written receipt or other proof of sale, you are responsible for all  9.2  Interest Rate for Cash Advances:  The MPR and the corresponding variable APR will  Purchase balance of the Account if a draft or check you give us as payment on the Account  charges that occur after noti?cation to the Bank.  You must notify eServices by phone at 
   Purchases made through the Account, except as expressly limited by applicable law.  See  be determined by adding nine percentage points (9.0%) to the Prime Rate in respect of the  is not honored or if we must return it to you because it cannot be processed.  A check that is  1-800-445-5725, or 1-800-423-7503 or in writing to:
   �Your Billing Rights� section for more detail. Account for the billing cycle. The Prime Rate used to calculate the APR will be the Prime  returned unpaid may be sent for collection. eServices Department
   4.  Account Advances:  Advances are transactions other than Purchases that allow you  Rate on the 15 th  day of each month or the ?rst regular business day thereafter as published  (e)  Returned Convenience Check Fee:  We may charge a fee of $35.00 to the Purchase  Hills Bank and Trust Company 
   direct access to funds available through your Account.  Advances may include Account  on that business day  in the Money Rates column of WSJ.  The APR may increase if the  balance of the Account if you write a Convenience Check that we do not honor under the  131 Main Street
   transactions such as cash advances you obtain directly from us, other participating ?nancial  Prime Rate increases.  An increase will take effect the day after your statement cycles  terms of this Agreement.  (See �Convenience Checks�, and �Paying and Stopping Payment  P.O. Box 160
   institutions, ATMs, telephone transfers, Balance Transfers, or Convenience Checks.   following the 15 th  of the month.  An increase will result in an increase in the ?nance charge  on Convenience Checks� sections for more details).  Hills, Iowa 52235
   Monthly Account statements we issue may refer to Advances as �Advance�, �Cash�, �Cash  and it may have the effect of increasing your periodic minimum payment.  The APR will  (f)  ATM Surcharges:  When you use an ATM not owned by us, you may be charged a fee  If this happens, we will ask you and all other persons given Account access to return all 
   Advances�, or by the product or device you used to obtain an Advance.  You may use  not change more often than once a month.  A decrease will have the opposite effect of an  by the ATM owner or network used to complete the transaction and you may be charged for  Cards and unused Convenience Checks to our eServices Department.  In addition, we 
   your Account to obtain cash either by presenting your Card at any bank or other ?nancial  increase.  If the Prime Rate changes more frequently than the APR, we will always use  a balance inquiry. have the right to close your Account and open a new Account.  If we do so, new Cards and 
   institution that accepts the Card or by making a withdrawal of cash at an ATM.  We may  the Prime Rate in effect on the day we adjust the APR to determine the new APR.  In such  (g)  Card Usage Reports Fee:  We may offer additional reports regarding Card usage and  Convenience Checks will be issued for your new Account.  
   restrict the amount of the credit limit that is available for Advances.  If an Advance limit  case we will ignore any changes in the Prime Rate that occur between APR adjustments.   Account transactions which will be provided upon your request for an agreed upon fee.  18.  U.S. Currency:  If you make a Purchase or Cash Advance in foreign currency the 
   greater than the percentage available is requested, it will be subject to credit approval.  You  Any rate change will be applied to all balances carried forward from the last statement.  We  (h)  Foreign Transactions:  A 1.0% fee is assessed only on international transactions when  transaction will be converted into U.S. Dollars by Visa.  
   may be limited in the amount and/or number of Advances you may make on your Account. reserve the right to choose a comparable new index if the WSJ ceases to publish a Prime Rate. a currency conversion occurs.  Visa will also impose a 0.8% fee on foreign transactions  For Visa Accounts: To the extent that you have used your Visa card to Purchase goods or 
   5.  Convenience Checks:  From time to time, we may supply Convenience Checks for  10.  Interest Finance Charge:  Finance Charges on your Account for Purchases and  where a currency conversion is not performed.    services, or obtain cash in another country, your statement may re?ect the conversion into 
   use by the person(s) named on those checks.  Convenience Checks are drafts that look  Advances are calculated separately.   U.S. dollars of transactions which occurred, initially, in a different currency.  The exchange 
   like other checks, but are drawn on credit available in the Account.  We may, based on  Purchases (Method G)   IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT rate applied to such transactions is a (i) wholesale market rate or (ii) government-mandated 
   the particular offers we make from time to time, provide Convenience Checks that will post  A Finance Charge will be imposed on Purchases only if you elect not to pay the entire New  13.  Credit Limit:  The Account Credit Limit is the maximum amount of credit available and  rate in effect one day prior to the processing date, increased by one percent.  We reserve 
   and be treated as an Advance or Convenience Check that will post and be treated as a  Balance shown on your previous monthly statement within 25 days from the closing date  that you may owe under the Account at any time.  You may not request or obtain additional  the right to charge you an additional one percent (1.0%) of the U.S. dollar amount of any 
   Purchase.  We will, in connection with any Convenience Check we provide, include materials  on the statement.  If you elect not to pay the entire New Balance shown on your previous  Purchases, Advances, or Balance Transfers once you have reached your Credit Limit.   international transaction, whether that transaction was originally made in U.S. dollars or was 
   that explain whether the Convenience Check will post and be treated as an Advance or  monthly statement within 25 days from the closing date on the statement, a Finance Charge  The initial Credit Limit is shown on the Card carrier and will also appear on your monthly  made in another currency and converted to U.S. dollars by Visa or MasterCard.  In either 
   as a Purchase.  Convenience Checks must be written in U.S. dollars.  We may return a  will be imposed on the unpaid balance of Purchases from the statement closing date  Account statement.  We reserve the right to review your Account at any time and increase  case, the 1.0% will be calculated on the U.S. dollar amount provided to us by that entity.  The 
   Convenience Check unpaid if:      (including new Purchases) and will continue to accrue until the closing date of the billing  or decrease your Credit Limit.  You may not increase your Credit Limit by carrying a credit  same process and charges may apply if any international transaction is reversed. 
   (a)  the credit available under your Credit Limit is less than the Convenience Check amount; cycle preceding the date on which the entire New Balance is paid in full or until the date of  balance over the Credit Limit we make available to you.  (Also see the �Advance Limits�   
   (b)  the Account is in default; or payment if more than 25 days from the closing date. section for more information about Limits on Advance transactions section.) YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT
   (c)  the Convenience Check is improperly signed or otherwise fails to conform to our The Finance Charge for a billing cycle is computed by applying the Monthly Periodic Rate  14. Payment: 19.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances, Balance 
   regularly accepted standards for check payment.  Convenience Checks may not be used (which is the APR divided by 12 months) to the Average Daily Balance of Purchases, which  (a)  Promise to Pay:  You agree to pay for all Purchases, Advances, Finance Charges, fees,  Transfers, Finance Charges, Account Fees and charges, any other transaction charges as 
   to pay the Account or any obligation you owe us or our af?liates. is determined by dividing the sum of the daily balance of Purchases during the billing cycle  and any other obligations incurred on the Account. provided in this Agreement and, to the extent permitted under applicable law, attorneys fees, 
   6.  Paying and Stopping Payment on Convenience Checks:  You must use the number  by the number of days in the cycle.  Each daily balance is the principal balance including  (b)  Method of Payment:  You must pay us in U.S. dollars with checks or similar payment  and collection costs we incur enforcing this Agreement against you.  This is the case even if 
   and address provided in the �Lost or Stolen Card or Convenience Check� sections to request  current cycle Purchases and payments and credits as received, but excluding any unpaid  instruments drawn on a ?nancial institution located in the United States.  We may, at our  the Account is only used by you, or someone to whom you�ve given access to the Account.  
   that payment be stopped on a Convenience Check.  You must call us promptly with an oral  Finance Charges. option, choose to make an exception and accept a payment drawn on a foreign bank.   20.  Liability for Charges:  You are individually liable and you and the individual or co-
   stop payment request and then provide us with a written con?rmation of the stop payment  Cash Advances (Method A)   However, you will be charged and agree to pay any collection fees required in connection  obligor(s) who accepted the application for credit, if any, are jointly liable for all charges to 
   request within 14 calendar days.  Any stop payment request we receive will remain in effect  A Finance Charge will be imposed on Advances from the date of the Advance or from the  with such a transaction. The date you mail a payment is different than the date we receive  the Account including, without limitation, all fees and Finance Charges. 
   for 6 months, unless you renew the request in writing before the end of that time.  We may  ?rst day of the billing cycle in which the Advance is posted to the Account, whichever is later,  payment. For purposes of this Agreement, the payment date is the day we receive your  21.  Intent to Repay:  Every time you use the Account, you represent to us that you 
   pay Convenience Checks more than 6 months old.  There may be circumstances under  and will continue to accrue until the date of payment.  The Finance Charge for a billing cycle  check or money order at the address speci?ed on your monthly Account statement.  If you  intend and have the reasonable ability to repay your Account obligations.  We rely on that 
   which a Convenience Check must be paid, even if we have received a stop payment request  is computed by applying the Monthly Periodic Rate (which is the APR divided by 12 months)  mail your payment without a payment coupon or to an incorrect address, it may result in a  representation every time you use the Account.  
   from you.  We will not be liable to you if we do not honor your stop payment request under  to the Average Daily Balance and Advances which is determined by dividing the sum of the  delayed credit to your Account.  This may result in additional Finance Charges, fees, and  22.  Settling a Disputed Balance:  Payment in Full � If you want to settle a disagreement 
   those circumstances.  If it is determined that a Convenience Check should have been paid,  daily balances of Advances during the billing cycle by the number of days in the cycle.  Each  possible suspension of your Account. with us about any amount you owe by sending a check on which you have written �Payment 
   but was not, we will not be liable for any consequential, punitive, or incidental damages if  daily balance is determined by adding to the Previous Balance (the outstanding balance of  (c)  Minimum Monthly Payment:  Each month you must pay at least the Minimum  in Full� or similar language, you must send us a written explanation of the disagreement and 
   we acted in good faith.  Our only obligation under those circumstances will be to pay the  your Account at the beginning of the billing cycle) any Purchase as of the date it is posted  Payment and any past due Minimum Payment by the Payment Due Date shown in your  dispute and send such check to:
   designated payee the amount of the Convenience Check and cancel any charges assessed  to your Account and any Advances as of the transaction date or the ?rst day of the billing  monthly Account statement.  Your Minimum Payment for Purchases and Cash Advances is          eServices Department
   against your Account as a result of any wrongful failure to honor the Convenience Check. cycle in which the Advance is posted to the Account, whichever is later, and subtracting all  3.0%, rounded up to the nearest dollar, of the total Purchase and Cash Advance balance    Hills Bank and Trust Company 
   7.  Balance Transfers:  We may permit you to transfer balances from other companies,  payments as received and credits as posted through that date, but excluding any unpaid  (excluding late payment), or $25.00 whichever is greater.  In addition, your Minimum        131 Main Street
   including ?nancial institutions.  However, you cannot make Balance Transfers from the  Finance Charges. Payment will include all amounts delinquent, and amounts in excess of your Credit Limit.  If        P.O. Box 160
   Bank accounts.  The amount of your total Credit Limit which we may allow to you for a  Any Finance Charge shown on your monthly statement is computed only through the last  your outstanding Purchase and Cash Advance balance is less than $25.00 then the entire        Hills, Iowa 52235
   Balance Transfer reduces the amount of the Credit Limit available for Purchases and  date of the billing cycle.  Since Finance Charges continue to accrue until the date your  balance is due.  You also may pay the entire balance on your Account at any time or pay  (See �Your Billing Rights� section for complete details.)  Writing �Payment in Full� or similar 
   Advances.  Finance Charges on your Balance Transfers accrue from the date of transfer  payment is received and posted to your Account, additional Finance Charges may appear on  any amount between the Minimum Payment and your entire balance.  Any changes in your  language on the check will not be enough to resolve the dispute.  If we collect a check or any 
                                      � 
      Hills Bank                 Visa  Platinum Credit Card Agreement
                                             Rates and Fees Table
      and Trust Company
                   INTEREST RATES AND INTEREST CHARGES
      Annual Percentage       3.9% introductory APR for the ?rst seven billing cycles.  After that your 
      Rate (APR) for Purchases/              
                              APR will be 5.25% to 12.25%, based on your credit worthiness.  
      Balance Transfers 
                              This APR will vary with the market based on the Prime Rate.
      APR for Cash Advances   12.25% this APR will vary with the market based on the Prime Rate.
      How to Avoid Paying                  Your due date is at least 25 days after the close of each billing     
      Interest on Purchases   cycle. Hills Bank will not charge you any interest on purchases if 
                              you pay your entire balance by the due date each month.
      Minimum Interest Charge If you are charged interest the charge will be no less than $0.50.
      For Credit Card Tips from  To learn more about factors to consider when applying for or using
      the Federal Reserve Board a credit card, visit the website of the Federal Reserve Board at     
                              http://www.federalreserve.gov/creditcard.
                                        FEES
      Annual Fee              No annual fee.
      Transaction Fees
      � Cash Advance          � Either $5.00 or 3.00% of the amount of each cash advance,   
                                whichever is greater, with a maximum fee of $15.00.
      � Foreign Transaction   � 1.0% when a currency conversion occurs. 0.8% when a              
                                currency conversion is not performed.
      Penalty Fees
      � Late Payment          � up to $27.00
      � Returned Payment      � up to $27.00
      � Returned Convenience Check � up to $35.00
     How we will calculate your balance: 
     �  We use a method called �average daily balance (including new purchases)�
     Prime Rate: 
     �  Variable APRs are based on the 3.25% Prime Rate as of May 31, 2011.
     �  For the introductory rate, we add 0.65% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly 
        periodic rate currently 0.32500%).
     �  We add 2.0% to 9.0% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate 
        currently 0.43750% to 1.02083%).
     �  We add 9.0% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.02083%).
     Billing Rights: 
     �  Information on your rights to dispute transactions and how to exercise those rights is provided in the attached                                
        account agreement. 
                      eServices Department � 131 Main St � PO Box 160 � Hills, IA 52235 � 1-800-445-5725 
               Cedar Rapids Downtown � Cedar Rapids Northeast � Cedar Rapids Southwest � Coralville � Hills � Iowa City Downtown � Iowa City Eastside 
                 Iowa City South Gilbert � Kalona � Lisbon � Marion � Mount Vernon � North Liberty � Wellman � Member FDIC � hillsbank.com
                                                                              Rev. 6/11