.. "FEDERAL CREDIT APPLICATION: g zo & INSURANCE DISCLOSURE tun |e oe ee ee © ©6©6©6©6©6™ltlt™tt ROESRe | S ate RTERa ee ee DES UD UTA BORE atez9 ge. 8 a3 and Central States indemnity Co: Of Omaha, bath of Omaha, itebraska, You   “ ate nat required-to purchase the Payment Protection Plan farm the hank or a               = it'saffiliates nor are you prohibited from purchasing insurance elsewhere to Visa e: Credi it Card: for the atircheave = _s ceive an extension of creat fram in Dale of goods or services, the following . = Be es a _benefits-are yours! a = FEDERAL SALE OF INSURANCE ADVANTAGE - TRAVEL = DISCLOSURE + Travel: Reservation Service: z . © Bonus Travel Dividends ie = : The Payment Pratection Pianis nota deposit of or guaranteed bythebank, - . Concéerge Services z < = é. whe FOIC orany other ageny af the United States. ; + -Automabile ‘Rental Insurance: - S 3 = F_ -By sighing, | acknowledge that | have received copy of oth (federal + Auto Rental Discount - 7 = _ Cedi Application Insurance and Federal Sale of fnsuiarice) disdosures + Medical Assistance Services, > = “)  oiVteday's date, Untess this disclosure is provided electranically.arl have + Travel Protection: 434 on = «applied for credit by mai, also acknowledge that this disdasure has been «= Lest Luggage Locator Service oo 3 a x Boe provided orally. . = Lostor Damaged: Luggage frsurance Lu =|% @ . : . + Hotel-Motel Burglary Insurance mel? © . : ~ Payment Card Registration wo a1 2 “ 2 yo . . a _. «Quarterly Newsletter Y) s 23 iw Individually’ *- 7 Date + Rey Registration’ Wiz] 4 a Nz o a oe ; . TRAVEL ACCIDENT INSURANCE wZei2 uw SZ * - You, your spouse and dependent children up ta age 19 {age2sifa D Pa Ox 2 _-lndividually , of |” Bate _ full-time student at any institute of higher learning} are automatically a . oe . wot . = _ . a a . Ss 8 g $ 4 = This Visa* Card may not he used for any iflegal transaction. covered with common carer travel acddent insurance every time you Pa ZOa . . ; a fravel by air, bus, train, ship; tax, or any ather common carrier anywhere Mel? aaa b poe DORE 7 -_. Afee may he imposed hy an ATM operator nat halding the consumers in the world when you charge your entire fare $0 our card. This coverage with you Fi ré © axcount, or by any aational, regional orfocal network used to complete the _ 6 provided ta yau' at NO EXTRA COST. : transaction. ; CREDIT INSURANCE . Malti-Currency Conversion Rates : Our Credit Insurance program can protect your card, your family, and . @ “ iyo ee ‘ 7 ther your credit rating when you may need if most due to unexpected events. yor effect a transaction with yaw? Visa® card in a currency other than a o e ; Vi sa Cc I assic : US. Dollars, Visa® will convert the charge into a U.S. Oollar amount. This SCORECA RD BONUS POINTS a. |. Fate may differ#rom day to day. A 1.0% Fee is assessed on international far Banus Points for every net retail purchase you make with our Zi « . © transactions when a currency conversion occurs This fee is unchanged. Pinnacle Bank Credit Card! You can redeemt Bonus Points for brand-name é = P; n n a cl e B ank Visa® will alsa impose a fee an foreign transactions where a currency merchandise and exciting travel awards. Visit www,scorecardrewards. Ned oo aN. > egnversign is not performed, com and brawse the current award selections. You'll be amazed at what i ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives, . : Som ARSE                                                                                                          iF . . : . . oh ry Interest Rates and Interest Charges Visa® : CREDIT APPLICATION egreck Account Choice: Avent Aoccent i : ey tee see co-applicant and signatures section) {Credit Limit Requested $ Vis aed i 0, : —_— it Line increase Annual Percentage Rate (APR} for Purchases ; 15.60% . i “IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING ANEW ACCOUNE Te heb the government ight the hur ing of favors pad imoney laundenng acthbes, Federal ws require all Enancal APR may vary with the market based on the Prime Rate. {institution to obtam, verify and record il Stereaton tal ieathes 9och param wis opers an cour Wat ts mean yeu ‘When you open an Aocoun!, we will ask for your name, adthess, date of bith, and offer APR for Balance Transfers NA 1 _Linfoemation Bate gis Io identify you. We may also ask see yeu Sie a eoe ster identifying documents, = 15.80% : Date ol ath iio. of Dependents Tome Phone Cel Phone Gam Rant Other | Monty Payment APR for Cash Advances APR may vary with the market based on the Prime Rate. i co) om) a 9 8 « . : Current Address Penalty APR and When it Applies None ' Fa “rent had sue Br Cove How long bes} ‘ 35 —— Your due date is at feast 25 days after the close of each billing eycle. We will not charge : 38 Maing Address {Wf frend rom above) | a Cy Sule Ap Code Het Long tyra} Paying Interest you interest on retail purchases if you pay your entire balance by the due date. We will :| F bedi charging interest on cash advances on the ransaclion date. We do not offer balance |! Ea Previous Address (less then 2 years at present adéress} 1 ity State ZipCode How Long {yrs} nsfers. : | SoRe wo ; os aoe 1 | See (empioyer -_ ~ Sel Employed P Empeyed Minimum interest Charge None t Bas a a : dives Oo (orynee ate r | <083 — : — . Yo leam more about factors fo consider when applying for or using a credit card, visit the i] | Ss esiioOorapston arty Gross freome § For Credit Card Tips from the Federal Reserve Board web sife of the Federal Reserve Board al hittpsiwww. federaireserve. covicreditcard. : a . - : ae) Nari en hes of Pres Egor es thn Z yeas alpen espe How Long [yr3) Fees | Visa® ! Be]: . _ = ‘Soe of heal SS Ieano Kom iy, cd wap cope ; Amount per Month $ Annual Fee _ $15.00. : va L fae Nearest Relative (Nal Living With You) Faw Pose Reionship Transaction Fees 2 . Tasinvame Fst Weal Socal Seouily Number * Balance Transfer None : : Date of Beth ‘No. of Dependents Home Fhooa | CaaPhove Sem Reet Stet Monthly Paymeat $ : | Be : | zee , * Cash Advances None : Sus Curent Atdress Sty Site 4p Code How Long fyrs) z | BES f i t | BES3 TPrevcsagd abe + Foreign Transaction 1.0% of each transaction in U.S. Dallars BH ess (less bran 2 years at present addtess) Cy State ZipCode How Long yrs} : SE Employer Sell Employed Work Prone Date Employed Penatty Fees i =5 Yes LNo { : Feces Position/Gocupaton Monthly Gross fneome 3 » Late Payment Up to $20.00 : —_ ! Oo ~ Kame and Address of Creditor Name under Which Account is Carried Aecount Number Balance Monthy Payment_ + us + Over-the-Credit-Limit None : =u {Heme Mosgegeent 1 | ! | Giga |S pen Crem Cadtiont Naneand Address + Retumed Payment None : a : fa PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING. Tis selementis sted to can cre and Uwe ceri fal al oan nese and complete, ie sree Other Fees : 2 sjss ebay te ene and cman cnt oem yA wie raed be sort is pptonion i parted ese Tope aah ez of mean. Me |] | Berar ei cin gee mes tha en chesnut erate aies moe eeteaeeeeaeee + LostDamaged Fee $20.00 11 Bly, ee : | @ ix x i Ls aie Te Cofopieanl Serie a Pp ment $10.00 per occurrence if processed with a live representative. No charge if processed : iy We Account No hane payment tee through the automated sysiem. 18 cyregrine fale used lo delennine your APRs the rele pubsshed in the Wall Steet Joumal on lhe Istday of tie prior month, The annual percenlage rate may vary Aptll 1 or Oclober T : cE Date Approwed ‘Cred Ling | *oreeer Variable tale determined by adding 16.00% to the prime tate. —         How We Will Calculate Your Balance: We use a mathod called “average daily balance" (including new purchases).* See your account opening disclosures for mare details. i Pinnacie Bonk, Papiflian, WE 68036 FOLD AND SECURE WITH TAPE FOR MAILING agreement. Application ©2009 FIS*GHIZ Billing Rights: information on your righls fo dispute transactions and how to exercise those rights Is provided in your account Ail contents are accurate at the Sime of printing, for changes that may have been made ater printing please call (800) 369-7253.      HTS: KEEP THIS DOCUMENT FOR FUTURE USE, This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT {f you think thera is an ezrer on your statement, write to us at the address shown on your monthly billing statement. in your letter, give us the following information: . ion: Your name and account number. * Dollar Amount: The dollar amount of the suspected error, . ipti : IFyou think there is an error on your bill, describe what you believe is wrong and why you believe it ts a mistake. ‘You must contact us: = Within 40 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if 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 cali us, but if you lo, We are Not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, 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 error. 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 wa investigate whether or not there has been an error: * We cannot try to collect the amaunt 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 net 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 wil! happen: . i : You will not have to pay the amount in question or any interest ar other fees related to that amount. * i af i : You will have to pay the amount in question. along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you da not pay the amount wa think you owe. If you receive our explanation but still believe your bill is wang, you must write to us within 10 days telling us that you still refuse to pay. If you 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 whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. Hf we do not follow all of the rules above, you do nat 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 good faith to correct the problem with the marchant, you may have the right nat te pay the remaining amount due on the purchase. To use this nght, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have bean more than 450. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, of ifwe own the company that sold you the goods or services.) 2. You must have used your credit card far 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 waiting (or electronically} at the address shown on your monthly billing statement. While we investigate, the same rules apply to the disouted amount as discussed above, After we finisk our investigation, we will tell you our decision. At that paint, if we think you owe an amount and you de nat pay, we may report you as delinquent.         O183-PINNBOC REV. 12.11 07.11_CREDITCARD_AGREEMENT     PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies ta you and to all eligible users of your card(s). Kt is effective on the date your card is activated and terminates on the date of expiration shawn 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 “Our” 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 yau 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 amount 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 charge slip, or if you use or permit someone else to use the card. If the Accountis a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for 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. If you want to cancel the authorized or permitted use of your Account by another person, you may either write us at the address or cail us at the telephone number shown on your Statement. 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 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 also telf 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 Limit, we can still charge you for all purchases, Finance 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 and is shown on your billing Statement. F. INTEREST At the end af 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. G. 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.       H. FEES ; Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the attached Credit Application. By executing the Application you agree to.pay them when applicable. |. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without fosing 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 conceming 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. J. 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. K. 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 de not accept such changes, and you may pay off the existing balance uncer the account terms in place at time of cancellation. L. 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 numberts).  Pricing Addendum INTREST RATES AND FINANCE CHARGES Interest Rates The APR is divided by 365 and rounded to 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. Variable rates are determined by adding a specified amount ("Spread”) to an Index (described below). index for Variable Rate Accounts Index Information For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wail! Street Journal that is in effect 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 any APR changes; we will apply it to any applicable balances. Specific Rates and Fees may be determined based on your creditworthiness. Visa Classic -Papillion Visa Classic wifee-Papillion Master Card-Papillion Visa Gold-Lincoln Visa Classic-Lincoln Purchase APR Purchase APR Purchase APR Purchase APR Purchase APR Prime plus 16.00% Prime plus 16.00% Prime plus 16.00% 10.99% Fixed 15.99% Fixed Balance Transfer APR Balance Transfer APR Balance Transfer APR Balance Transfer APR —_ Balance Transfer APR NA NA NA 10.99% Fixed 15.99% Fixed Cash Advance APR Cash Advance APR Cash Advance APR Cash Advance APR Cash Advance APR Prime plus 16.00% Prime plus 16.00% Prime plus 16.00% 10.99% Fixed 15.99% Fixed Penalty APR Penalty APR Penalty APR Penalty APR Penaity APR NA NA NA NA NA Penalty APR: NA. Interest and Finance Charges   Minimum Interest Charge: NA. Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. The interest on cash advances and/or balance transfers will begin on the transaction date. Balance Transfer Fee: 0% -2% of the amount transferred. Cash Advance Fee: 0% -2% of the amount advanced ($2.00 minimum). Foreign Transaction Fee: 1% of each transaction in U.S. dollars.    ACCOUNT FEES AND OTHER CHARGES Annual Fee: $0 - $15. Late Payment Fee: Up to $25. Over the Credit Limit Fee: NA. Returned Payment Fee: NA. Required insurance, debt cancellation or debt suspension coverage: NA Phone Payment Fee: $10.00 per occurrence if processed with a live representative. No charge if processed through automated system. Lost/Damage Fee: $0 - $20.00 Balance Computation Method: The finance charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of cash advances (and if applicable, purchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance 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. Disclosure of Rates: The Daily Periodic Rate, which is used to determine your Interest Charges and the corresponding Annual Percentage Rate, may be variable rates, which may change semi-annually. The Daily Periodic Rate will be one- three hundred sixty fifth of the sums of the U.S. prime rate published in Money Rates table of The Wall Street Joumal that is in effect on the first day of the prior month. ("Prime Rate”), plus a "Spread" of 16.00 percentage points for the Standard Rate. Any changes 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 any APR changes; we will apply it to any applicable balances.