Current Credit Card Agreements for New Personal Accounts 
           
                 NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us 
                 at (800) 996-2638 or send us a secured message through Online Banking with the 
                 subject line �Credit Card Inquiry�. 
           
                 For new personal accounts opened beginning 10/1/2018, the following Account 
                 Opening Disclosures and Credit Card Agreements apply by the credit card type 
                 received: 
           
           
                               �
                 Platinum Mastercard  Credit Card 
                 Interest Rates, Interest Charges, and Fees � Platinum Card Credit 
                 Card Agreement (Personal Accounts) 
           
           
                                      �
                 Platinum Rewards Mastercard   Credit Card 
                 Interest Rates, Interest Charges, and Fees � Platinum Rewards Card 
                 Credit Card Agreement (Personal Accounts) 
           
           
                                     �
                 Cash Back World Mastercard   Credit Card 
                 Interest Rates, Interest Charges, and Fees � Cash Back World Card 
                 Credit Card Agreement (Personal Accounts) 
           
                              � 
                 World Mastercard Credit Card 
                                                           � 
                 Interest Rates, Interest Charges, and Fees �World Mastercard Card 
                                             � 
                 Credit Card Agreement (World Mastercard Credit Card) 
           
           
                                                  � 
                 Wealth Management World Elite� Mastercard Credit Card 
                 Interest Rates, Interest Charges, and Fees � Wealth Management World Elite� 
                         � 
                 Mastercard Credit Card 
                                                                � 
                 Credit Card Agreement (Wealth Management World Elite� Mastercard Credit Card) 
           
           
                               �
                 Secured Mastercard  Credit Card 
                 Interest Rates, Interest Charges, and Fees � Secured Card  
                 Credit Card Agreement (Personal Accounts) 
                      Interest Rates, Interest Charges, and Fees � Platinum Card 
           
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                           0.00% Introductory APR for the first six months. 
      (APR) for Purchases 
                            After that, your APR will be 16.99% to 24.99%, based on your 
                            creditworthiness. 
                           
                            This APR will vary with the market based on the Prime Rate. 
      APR for Balance Transfers  16.99 % to 24.99 %, based on your creditworthiness. 
                           
                            This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  26.99 % 
                           
                            This APR will vary with the market based on the Prime Rate. 
      Penalty APR and When it  None 
      Applies              
                             
      Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                           charge you any interest on purchases if you pay your entire balance by the due date 
                           each month. We will begin charging interest on cash advances and balance transfers 
                           on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
      the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
      Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
           
      Fees 
      Annual Fee           None 
      Transaction Fees     
                           
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance    Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
      Penalty Fees         
      
        �  Late Payment    Up to $38 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
           
             
          How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
          purchases).�  See your Credit Card Agreement for more details. 
           
          Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is 
          provided in your Credit Card Agreement.  
           
          Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation 
          within the next six billing cycles.  For other states the fee is $27 for the first violation and $38 for each 
          subsequent violation within the next six billing cycles.  If the Late Payment fee is greater than the Minimum 
          Payment Due, the fee will be equal to the Minimum Payment Due. 
           
               
          Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent 
           violation within the next six billing cycles.  For other states the fee is $27 for the first violation and $38 
           for each subsequent violation within the next six billing cycles.  If Returned Payment fee is greater than the 
           Minimum Payment Due, the fee will be equal to the Minimum Payment Due. 
               
          Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides 
          important protections to members of the Armed Forces and their dependents relating to extensions of 
          consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her 
          dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the 
          credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary 
          products sold in connection with the credit transaction; any application fee charged (other than certain 
          application fees for specified credit transactions or accounts); and any participation fee charged (other than 
          certain participation fees for a credit card account). 
          If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, 
          transaction fees, or penalty fees so that your cost may not exceed the Military Lending Act annual 
          percentage rate cap. Armed Forces members and their dependents can hear about the protections provided 
           to them by calling 1-866-761-2689 (TTY users call 1-800-659-5495). 
          Doing business in South Dakota as Bank of the West California. 
           
                                                   CREDIT CARD AGREEMENT  
                                                                                           (Personal Accounts) 
                                            
                                        ?
     By  requesting  or  accepting  any  Platinum  MasterCard ,  account.  If we accept a payment from you in excess of your 
             ?                    ?
     Platinum Visa , Platinum Rewards MasterCard , Platinum  outstanding balance, your available Credit Limit will not be 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  increased by the amount of the overpayment nor will we be 
     (individually or collectively called �Credit Card account� or  required to authorize transactions for an amount in excess of 
     �Account�) with Bank of the West, you agree to be bound by  your Credit Limit. 
     all the terms of this Agreement. In this Agreement, the words  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
     �you�  or  �your�  mean  everyone  who  has  requested  or  such as car rental companies and hotels, may request prior 
     accepted a Credit Card account with us. The words �we,�  credit approval from us for an estimated amount of your 
     �us,� �our,� or �Bank� mean Bank of the West.  If you do not  Purchases, even if you ultimately do not pay by credit. If our 
     accept this Agreement, you must notify us in writing within 5  approval  is  granted,  your  available  Credit  Limit  will 
     days after receipt.  Use of your card or any feature (including  temporarily be reduced by the amount authorized by us.  If 
     a balance transfer) of your Credit Card Agreement shall  you do not ultimately use your Credit Card account to pay for 
     constitute acceptance of this Agreement.   your Purchases or if the actual amount of Purchases posted 
      1. Use.  Your  Platinum  MasterCard,  Platinum  Visa,  to  your  Credit  Card  account  varies  from  the  estimated 
     Platinum Rewards MasterCard,  Platinum Rewards Visa card  amount  approved  by  us,  it  is  the  responsibility  of  the 
     or Cash Back World MasterCard (individually or collectively  merchant, not us, to cancel the prior credit approval based 
     called �Card�) may be used as a credit card for purchases of  on the estimated amount. The failure of the merchant to 
     goods  or  services  from  participating  merchants  cancel a prior credit approval may result in a temporary 
     (�Purchases�) or to get Cash Advances from us or any other  reduction of your available Credit Limit, but will not increase 
     financial  institution  displaying  the  �MasterCard�  or  �Visa�  the amount you owe us under this Agreement. 
     logo, or to purchase certain items such as traveler's cheques,  4. Agreement to Pay. When you use your Card or Credit 
     foreign currency, money orders, wire transfers, lottery tickets,  Card account, or when you permit anyone to use it, you agree 
     and (except as noted below) funds to be used for wagers or  to pay the amount of any and all transactions (including any 
     gambling (all of which are collectively referred to as �Cash  which may have been made in violation of this Agreement), 
     Advances�) up to your Credit Limit; provided, however, you  and the INTEREST CHARGES, and fees that may become 
     may not use your Card (i) to make Purchases or obtain Cash  due as shown on the periodic statement. You agree that we 
     Advances for any illegal transaction, or (ii) for any internet or  may change or cancel your Credit Card Account at any time 
     online gambling transactions.  Transactions for online or  without affecting your obligation to pay the amounts that you 
     internet gambling will not be approved.  If you use your Card  owe under this Agreement.  
     for any illegal or prohibited transaction, this Agreement also  5. Periodic Statement. Each month we will send you a 
     applies to such transaction and you agree to pay any and all  periodic statement for each Credit Card account you have 
     amounts related to such transaction pursuant to the terms of  with us covering the previous billing period. We may not send 
     this Agreement. We may, in our sole discretion, restrict the  you a statement if your balance is less than $1 and there 
     use of or terminate your Card if we notice excessive use of  were no transactions during the billing period. The statement 
     your Card or other suspicious activities or if we reasonably  will have a �Statement Period Date�, �Statement Closing 
     believe the Card is or has been used for one or more illegal  Date� and a �Payment Due Date,� and will show, among other 
     or  prohibited  transactions.  You  can  also  obtain  a  Cash  things, your �Previous Balance,� your �New Balance,� and 
     Advance by  writing a special MasterCard  or  Visa  check  your minimum monthly payment, which will be shown as 
     (�Convenience Check�).  The Cash Advance will be posted  �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a manner 
     Advances. In addition, you may request that we pay other  we determine except as otherwise required by law.  The 
     creditors on your behalf and transfer approved amounts to  Minimum Payment is applied first to fees, then to INTEREST 
     your Account (�Balance Transfers�).    CHARGES and finally to principal. We apply the Minimum 
      Your Card may also be used in certain automated terminals  Payment to balances with lower APRs, including introductory 
    to gain access to your Credit Card accounts. We have no  APRs, before balances with higher APRs. Payments made in 
    responsibility  for  the  failure  of  any  machine,  merchant,  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    financial institution, or any other party to honor your Card.  balances with the highest ANNUAL PERCENTAGE RATE 
    Your Card and Credit Card account may be used only for  and  then  to  each  successive  balance  bearing  the  next 
    valid and lawful purposes. If you use or allow someone else  highest ANNUAL PERCENTAGE RATE.  
    to use the Card or Credit Card account for any other purpose,    Payments  must  be  mailed  to  the  BankCard  Center 
    you will be responsible for such use and may be required to  address specified in your periodic statement. Payments must 
    reimburse us for all amounts or expenses we pay as a result  reach our BankCard Center during our regular business day 
    of such use.                            in order to be credited on that date.  Payments received after 
     2. Credit Limit.  We will notify you of the Credit Limit for  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    each Credit Card account you have with us. You agree that  following business day. If you make a payment by any means 
    your total charges, including Purchases, Cash Advances,  other than mail to our BankCard Center crediting of the 
    Balance Transfers, INTEREST CHARGES, and fees that  payment  may  be  delayed.   If  you  fail  to  properly  make 
    may be due will not exceed your Credit Limit. If you do go  payments, crediting such payments may be delayed. Your 
    over your Credit Limit, you must repay the excess amount  total available credit may not be restored for up to 15 days 
    immediately, and we may reduce the available Credit Limit of  after we receive your payment.    
    any other Credit Card account you have with us until such    If a payment is returned to us for any reason, we may 
    time the excess amount is repaid. You may apply to increase  apply a Returned Payment Fee of $27 for the first violation 
    your Credit Limit at any time but we are not obligated to  and $38 for each subsequent violation within the next six 
    increase  your Credit Limit at any  time. Furthermore,  we  billing cycles. The Returned Payment Fee for Iowa residents 
    reserve the right to lower your Credit Limit at any time. For  is $27 for the first violation and $30 for each subsequent 
    security reasons, we may limit the number or amount of  violation within the next six billing cycles.  If the Returned 
    transactions that may be accomplished with your Card or  Payment Fee is greater than the Minimum Payment Due, the 
    Credit  Card  account,  and  we  have  the  right  to  limit  fee will be equal to the Minimum Payment Due.  
    authorizations  to  make  transactions  if  we  consider  it    From time to time, we may let you skip or reduce one or 
    necessary to verify Payments received on your Credit Card  more  monthly  payments  during  a  year  and/or  we  may 
                                            temporarily  reduce  or  eliminate  certain  INTEREST 
    BW-CCAG (Rev. 07/2018) 
     
      
    CHARGES on all or a portion of your Credit Card account  preceding the day your billing cycle ends. If the Index is no 
    balance or offer you other special terms. If we do, we will  longer available, we will choose a new index which is based 
    advise you of the scope and duration of the applicable skip  upon comparable information and will give you notice of our 
    or promotional feature. When the skip or promotional feature  choice. The ANNUAL PERCENTAGE RATE may increase or 
    ends, your regular rates and all the terms of the Agreement  decrease each month if the Index changes. Any new rate will 
    will resume.                             be applied as of the first day of your billing cycle during which 
     7. Minimum Payment- Late Payment Fee. The �Minimum  the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
    Payment Due� must be received by us by the �Payment Due  RATE increases, you will pay a higher INTEREST CHARGE, 
    Date.� If it is not, we may apply a Late Payment Fee of up to  which may result in a higher minimum payment. 
    $27 for the first violation and up to $38 for each subsequent    The interest rate for Purchases (after the Introductory 
    violation within the next six billing cycles.  The Late Payment  Period) and Balance Transfers on your Platinum Rewards 
    Fee for Iowa residents is up to $27 for the first violation and  Credit Card account is based on a variable rate equal to the 
    up to $30 for each subsequent violation within the next six  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
    billing cycles.  If such charge would result in an INTEREST  percentage  points,  based  on  your  creditworthiness.  The 
    CHARGE greater than the maximum allowed by law, we will  interest rate for Purchases (after the Introductory Period) and 
    only charge the maximum allowable rate. Your Minimum  Balance Transfers on your Platinum Credit Card account is 
    Payment Due will be 3% of the New Balance plus any Late  based on a variable rate equal to the sum of the Index plus a 
    Payment Fee (with a minimum of the lesser of $27 or your  �Rate Spread� of 11.74 to 19.74 percentage points, based on 
    New Balance) and any amount over your credit limit and past  your creditworthiness. The interest rate for Purchases (after 
    due amount.                              the Introductory Period) and Balance Transfers on your Cash 
     8. How to Avoid Paying Interest on Purchases. There  Back World Credit Card account is based on a variable rate 
    may be  different treatment of INTEREST CHARGES for  equal to the sum of the Index plus a �Rate Spread� of 12.74 
    Purchases, Balance Transfers, and Cash Advances, even  to 19.74 percentage points, based on your creditworthiness. 
    though they are computed the same way. You may avoid  The interest rate for Cash Advances on your Account is 
    paying an INTEREST CHARGE on Purchases if we receive  based on a variable rate equal to the sum of the Index plus a 
    the entire New Balance by the Payment Due Date. If we do  �Rate  Spread�  of  21.74  percentage  points.  Immediately 
    not receive the entire New Balance by the Payment Due  before each Change Date we will determine the new interest 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the  rate by adding the Rate Spread to the Index. The new interest 
    Purchases  from  the  date  of  the  transaction.  INTEREST  rate will become effective at the start of your first billing cycle 
    CHARGES on all other balances, including Cash Advances  after the Change Date. Only one ANNUAL PERCENTAGE 
    and Balance Transfers, begin on the transaction date and will  RATE and Daily Periodic Rate will be in effect for each 
    be assessed even if your entire New Balance is paid by the  Balance Category during the billing period. The ANNUAL 
    Payment Due Date.                        PERCENTAGE RATE will not exceed the maximum rate 
     9. Computing Your INTEREST CHARGE. We figure the  permitted by law. The effect of any increase in the ANNUAL 
    INTEREST  CHARGE  on  each  Credit  Card  account  by  PERCENTAGE RATE and the Daily Periodic Rate would be 
    applying the periodic rate to the �Average Daily Balance� of  to increase the amount of INTEREST CHARGE or interest 
    each Balance Category on the Credit Card account, including  you must pay and thus increase your monthly payments. 
                                             10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
    current transactions. Balance Categories include Purchases, 
    Balance Transfers, Cash Advances, Introductory Rates and  appropriate fees listed below (as permitted by applicable law) 
    any special rate offers we may make available from time to  which  may  be  amended  from  time  to  time  by  us.  You 
    time.  If you are charged interest, the charge will be no less  authorize us to charge your Credit Card account for the 
    than  $1.00  (the  minimum  interest  charge  will  appear  as  following fees due to us. Cash Advance fee: 4.00% of each 
    �Minimum Charge� in the fees section of your statement).   Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
       a. Average Daily Balance.  To obtain the daily balance  of each balance transferred, $10 minimum. 
                                             11.  Foreign Transaction Fee. Transactions that you make 
    for each Balance Category we take the beginning balance 
    each  day  and  add  new  transactions  applicable  to  each  in a foreign currency or that you make outside of the United 
    category, and subtract any payments, credits, and refunds  States of America even if it is made in U.S. dollars are 
    applied  to  the  category.   To  figure  your  Average  Daily  considered foreign transactions.  If you make a transaction in 
    Balance for each Balance Category, we add all your daily  a foreign currency it will be billed to you in U.S. Dollars. The 
    balances and divide by the number of days in the billing  conversion rate to U.S. Dollars will be determined by Visa 
    period.                                  International or MasterCard International in accordance with 
       b. Figuring the INTEREST CHARGE. We compute the  their operating regulations or conversion procedures in effect 
    INTEREST  CHARGE  for  each  Balance  Category  by  at the time the transaction is processed. Currently, their 
    multiplying these Average Daily Balances by the applicable  regulations  and  procedures  provide  that  the  currency 
    Daily Periodic Rate, and then we multiply the result by the  conversion  rate  they  use  is  either  (1)  a  government-
    number of days in the billing period. To determine the Daily  mandated rate or (2) a wholesale market rate, whichever is 
    Periodic Rate for each Balance Category, we divide the  applicable, in effect one day prior to the processing date. We 
    applicable ANNUAL PERCENTAGE RATE in effect for the  do not determine the currency conversion rate which is used.  
    billing period by 365 (366 for leap year). The way we get the  You agree to pay the converted amount in U.S. funds. In 
    ANNUAL PERCENTAGE RATE for each Balance Category  addition, Visa or MasterCard will charge us (the Bank) an 
    is described below under �Fixed Rate� and �Variable Rate.�  international transaction fee, currently equal to one percent 
       c. Fixed Rate. For the Introductory Period your interest  (1.00%) of the transaction amount. We will charge you the 
    rate for Purchases on your Account is equal to 0.00% APR;  international transaction fee imposed on us plus an additional 
    thereafter, your regular ANNUAL PERCENTAGE RATE for  two percent (2.00%) of the transaction amount whether that 
    Purchases will apply. Introductory ANNUAL PERCENTAGE  transaction was originally made in U.S. dollars or was made 
    RATES for Balance Transfers or Cash Advances may vary.  in another currency and converted to U.S. dollars.  These two 
    Please refer to your Account Opening Disclosures for specific  fees  will  be  aggregated  and  shown  as  one  Foreign 
    introductory period and ANNUAL PERCENTAGE RATES  Transaction Fee on your statement. 
                                              12.  Other Fees. As allowed by law, we may charge, and 
    associated with your account. 
     d. Variable Rate. The current ANNUAL PERCENTAGE  you agree to pay, fees for certain services or requests made 
    RATE for all variable rates is shown on the Account Opening  by you, such as but not limited to: Automated Teller Machine 
    Disclosure  which  has  been  provided  to  you  with  this  (�ATM�) transactions conducted at machines not operated by 
    Agreement. The Daily Periodic Rate and the corresponding  us, requests for copies of billing statements, sales drafts, or 
    ANNUAL PERCENTAGE RATE may change each month on  other  records  of  your  Account,  or  if  you  request  a 
    the first day of each of your billing cycles. Each date on which  replacement card(s).  However, we will not charge fees for 
    the rate of interest could change is called a �Change Date.�  copies of documents requested for a billing dispute.  These 
    Changes will be based on changes in the �Index.� The Index  fees may change from time to time.  We will inform you of the 
    is the Prime Rate published in the �Money Rates� table of The  fee(s)  that  you  will  incur  prior  to  when  the  applicable 
    Wall  Street  Journal  on  the  business  day  immediately  service(s) is(are) provided or when you make the request(s), 
    BW-CCAG (Rev. 07/2018) 
     
      
    as applicable. You authorize us to charge your Credit Card  who uses it with your permission. Security in use of the Card 
    account for any such fees that you incurs. We reserve the  is provided by the secret code, which we will provide you, and 
    right to waive a fee from time to time but a waiver does not  the magnetically encoded stripe on the Card. Please keep 
    mean we will continue to waive such fee in the future.   the Card safe and also protect the secret code. Use the Card 
     13.  Interest  Charges  for  Covered  Members  of  the  and the secret code as instructed at all times. Please notify 
    Armed  Forces  and  Their  Dependents:  Federal  law  us of any mechanical or operating failure in connection with 
    provides important protections to members of the Armed  the use of your Card. Do not permit anyone else to use your 
    Forces  and  their  dependents  relating  to  extensions  of  Card and do not disclose your secret code or record it on the 
    consumer credit. In general, the cost of consumer credit to a  Card. The Card remains the property of the Bank and can be 
    member of the Armed Forces and his or her dependent may  revoked and repossessed at any time. You must return it to 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  us when asked. 
    rate must include, as applicable to the credit transaction or  e. Fees for Using Automated Terminal Services. Fees 
    account:  the  costs  associated  with  credit  insurance  may be charged for transactions made at automated teller 
    premiums; fees for ancillary products sold in connection with  machines not operated by us as described in paragraph 12-
    the credit transaction; any application fee charged (other than  Other Fees. 
    certain application fees for specified credit transactions or  16.  Lost  or  Stolen  Card;  Your  Liability  for 
    accounts); and any participation fee charged (other than  Unauthorized Use. Tell us AT ONCE if you believe your 
    certain participation fees for a credit card account).  Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a  keeping your possible losses down. 
    dependent, you will not be charged annual fees, transaction  You may be liable for the unauthorized use of your Card 
    fees, or penalty fees so that your cost may not exceed the  as a credit card. You will not be liable for unauthorized use of 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.  your Card as a credit card which occurs after you notify us at 
    Armed  Forces  members  and  their  dependents  can  hear  the telephone number or address stated in paragraph 17, 
    about the protections provided to them by calling 1-866-761- orally or in writing, of loss, theft, or possible unauthorized 
    2689 (TTY users call 1-800-659-5495).   use. In any case, your liability for unauthorized use of your 
       14.  Default. We may declare the entire balance for all  Card as a credit card will not exceed $50.00. 
    Credit Card accounts due and payable at once with or without  17.  Where to Call or Write. If you believe your Card has 
    notice  or  demand  if  any  of  these  events  (a  �Default�)  been lost or stolen or that someone is using your Card or 
    happens:                                Credit  Card  account  without  your  permission,  call: 
       a. If you miss a payment under this Agreement or any  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
     other obligation you owe us; or        Bank of the West, BankCard Security Department, PO Box 
       b. If you violate any terms of this Agreement.  2078, Omaha, NE 68103-2078. 
       If you are in Default, we may terminate your Credit Card  18.  Our Business Days. Our business days are Monday 
     account, make no more additional loans, and require you to  through Friday, except for bank holidays. 
     immediately repay the entire unpaid balance of all amounts  19.  Credit Investigation and Disclosure. You authorize 
     due on your Credit Card account, including but not limited to  us, both now and in the future, to check your credit and 
     all loan amounts, late charges and other charges assessed  employment history and to release information about our 
     but not paid, and all of the INTEREST CHARGES accrued  credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your  inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would  have reported inaccurate information about you to a credit 
     continue.                              bureau, please call us at 1-800-996-2638 (for TTY call 1-800-
       At  our  option,  we  may  also  take  action  short  of  659-5495).  As required by law, you are hereby notified that 
     terminating your Credit Card account. If we take such lesser  a negative credit report reflecting on your credit history may 
     action initially, we reserve the right to terminate your Credit  be submitted to a credit reporting agency if you fail to fulfill 
     Card account and accelerate all amounts due under this  the terms of your credit obligations. 
     Agreement regardless of whether any additional events have  20.  Security  Interest.  We  have  no  security  for  any 
     occurred which would permit termination and acceleration.   amounts which become due under this Agreement, even 
      15.  Automated Terminal Services       though any other agreement you may have with us, such as 
       a. Automated Terminals. You may use your Card in the  a mortgage, may provide for such a security interest, unless 
     following automated terminals:          you have given us a specific security interest in connection 
          (1) Any Bank of the West automated teller machines.  with this Agreement, which is described on the Supplement 
          (2) Any  other  automated  teller  machine  that  is  attached to this Agreement. 
     participating in a network and accepts our Card (�Network  21.  Collection. You promise to pay all collection costs, 
     ATM�) and                               including, without limitation, mailgram charges, reasonable 
          (3) Any point-of-sale terminal that accepts our Card  lawyers� fees and court costs, as permitted by law. 
     (�POS terminal�).                       22.  If There are More Than One of You. Each of you 
       b. Services Available at an Automated Terminal  individually, or all of you together, will be liable under this 
          (1) You may use your Card at a Bank of the West or  Agreement. We may collect from or sue any one of you, or 
     any Network ATM to:                    make any settlements or extensions with any one of you, 
           (a) Get a Cash Advance from your Credit Card  without giving up our rights against the other. You understand 
     account.                               that  any  one  of  you  can  make  Purchases,  get  Cash 
           (b) Get your Credit Card account balances. These  Advances,  or  perform  Balance  Transfers  under  this 
     balances may not include some transactions recently made  Agreement which will be binding upon all of you. 
     in your Credit Card account. Some of the services described  23.  No Waiver of Rights. If we choose to waive any of the 
     in subparagraphs (a) and (b) may not be available at all  terms or conditions of this Agreement on a case-by-case 
     Network ATMs.                          basis, such as by not declaring the entire balance due when 
           (c) You may use your Card at a POS terminal to  the minimum monthly payment has not been made on time, 
     purchase certain merchandise. The amount of your purchase  it does not mean that we have waived, or given up, our right 
     will automatically be charged to your Credit Card account as  to  exercise  any  of  our  rights  or  remedies  under  this 
     a Purchase.                            Agreement in the future. We are not required to use any 
       c. Limits  of  Automated  Terminal  Services  -  Cash  particular  kind  of  demand  or  notice  in  order  to  collect 
     Advances. You may get a Cash Advance from a Bank of the  amounts due to us under this Agreement. No indulgence or 
     West Automated Terminal up to an aggregate amount of  acceptance by us of delinquent or partial payments constitute 
     $500 each calendar day, provided that this amount does not  a waiver of our rights or of any provision of this Agreement. 
     exceed your Credit Limit. This amount may be less for Cash  No waiver of any existing default shall be deemed to waive 
     Advances from Network ATMs.            any subsequent default. 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  24. Changing Terms. We can change, add to, delete or 
     responsible for all transactions in which you use your Card in  otherwise modify the terms of this Agreement at any time in 
     an automated terminal, or the use of the Card by anyone else  any way permitted by law.  We will send you a notice of 
    BW-CCAG (Rev. 07/2018) 
     
      
    change at least 45 days (or as required by applicable law)  27.  Monitoring/Recording  Telephone  Calls.  Our 
    before the effective date of the change. We do not have to  supervisory  personnel  may  listen  to  and  record  your 
    send you an advance notice of the change if it favors you,  telephone calls to us for  the  purpose of monitoring and 
    such as by reducing rates, or increasing the maximum credit  improving the quality of service you receive. 
    limit.  Except in cases where we are changing terms due to  28.  Severability.  All other provisions of this Agreement 
    the Minimum Payment Due not being received within 60 days  shall remain in full force even if one or more provisions of this 
    of the Payment Due Date, you agree that the change may  Agreement are held invalid, illegal, void or unenforceable by 
    cover all transactions made 15 days after we mail the notice.   any rule or law, administrative order or judicial decision. 
    If you do not agree to the change, a method for rejecting the  29.  Our Communications with You 
    change  and  closing  the  account  will  be  provided  in  the  You  agree  that  we,  any  of  our  affiliates,  agents, 
    Change of Terms Notice.   You agree that if you use your  independent contractors or service providers may monitor 
    card after the effective date of the change, this will constitute  and record telephone calls regarding your banking services 
    your agreement with the change.         to assure the quality of our service or for other reasons. You 
     25.  Canceling this  Agreement. We have the right to  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
     cancel this Agreement at any time by sending a notice to any  independent  contractors  or  service  providers  may  use 
     one of you in writing. You also have the same right to cancel  written, electronic, or verbal means, or  any other medium, 
     this Agreement at any time by sending us a notice in writing  as permitted by law and including, but not limited to, mail and 
     or calling the BankCard Center at 1-800-996-2638 (for TTY  facsimile, to contact you. Your consent includes, but is not 
     call 1-800-659-5495). If this Agreement is canceled by you or  limited to, contact by manual calling methods, prerecorded or 
     us, your obligation is to repay amounts you already owe  artificial  voice  messages,  text  messages,  e-mails  and/or 
     under this Agreement.  In either case, the account will be  automatic telephone dialing systems. You agree that we, any 
     closed and you will no longer have access to the account.  of our affiliates, agents, independent contractors or service 
     26.  Governing Law. This Agreement will be governed by  providers  may  contact  you  by  using  any  e-mail  or  any 
     the laws of the State of Nebraska, and, as applicable, federal  telephone  number  you  provide,  including  a  telephone 
     law, regardless of where the transactions are made.  number  for  a  cellular  phone  or  other  wireless  device, 
                                            regardless of whether you incur any charges as a result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement   
    If you think there is an error on your statement, write to us at:   �  If we made a mistake: You will not have to pay the 
             Bank of the West                    amount in question or any interest or other fees 
             BankCard Customer Service Department  related to that amount. 
             PO Box 2319                       �  If we do not believe there was a mistake: You will 
             Omaha, NE 68172-9793                have to pay the amount in question, along with 
       In your letter, give us the following information:  applicable interest and fees.  We will send you a 
      �  Account information: Your name and account  statement of the amount you owe and the date 
         number.                                 payment is due.  We may then report you as 
      �  Dollar amount: The dollar amount of the suspected  delinquent if you do not pay the amount we think 
         error.                                  you owe. 
      �  Description of problem: If you think there is an error   
         on your bill, describe what you believe is wrong and  If you receive our explanation but still believe your bill is 
         why you believe it is a mistake.   wrong, you must write to us within 10 days telling us that you 
       You must contact us:                 still refuse to pay.  If you do so, we cannot report you as 
      �  Within 60 days after the error appeared on your  delinquent without also reporting that you are questioning 
         statement.                         your bill.  We must tell you the name of anyone to whom we 
      �  At least 3 business days before an automated  reported  you  as  delinquent,  and  we  must  let  those 
         payment is scheduled, if you want to stop payment  organizations  know  when  the  matter  has  been  settled 
         on the amount you think is wrong.  between us. 
     You must notify  us of any  potential errors in writing [or   
     electronically].  You may call us, but if you do we are not  If we do not follow all of the rules above, you do not have to 
     required to investigate any potential errors and you may have  pay the first $50 of the amount you question even if your bill 
     to pay the amount in question.         is correct. 
                                              
     What Will Happen After We Receive Your Letter  Your Rights If You Are Dissatisfied With Your Credit 
      When we receive your letter, we must do two things:  Card Purchases 
      1. Within 30 days of receiving your letter, we must tell you  If you are dissatisfied with the goods or services that you 
     that we received your letter.  We will also tell you if we have  have purchased with your credit card and you have tried in 
     already corrected the error.           good faith to correct the problem with the merchant, you may 
      2. Within 90 days of receiving your letter, we must either  have the right not to pay the remaining amount due on the 
    correct the error or explain to you why we believe the bill is  purchase. 
    correct.  While we investigate whether or not there has   
    been an error:                           To use this right, all of the following must be true: 
                                             1. The purchase must have been made in your home state 
       �  We cannot try to collect the amount in question, or  or within 100 miles of your current mailing address, and the 
         report you as delinquent on that amount.  purchase price must have been more than $50.  (Note: 
                                            Neither of these are necessary if your purchase was based 
       �  The charge in question may remain on your 
                                            on an advertisement we mailed to you, or if we own the 
         statement, and we may continue to charge you 
                                            company that sold you the goods or services.) 
         interest on that amount. 
                                             2. You must have used your credit card for the purchase.  
       �  While you do not have to pay the amount in 
                                            Purchases made with cash advances from an ATM or with a 
         question, you are responsible for the remainder of 
                                            check that accesses your credit card account do not qualify. 
         your balance. 
                                              3. You must not yet have fully paid for the purchase. 
       �  We can apply any unpaid amount against your 
                                              
         credit limit. 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
      
                                             dissatisfied with the purchase, contact us in writing at: 
     After we finish our investigation, one of two things will 
                                               Bank of the West  
    happen: 
    BW-CCAG (Rev. 07/2018) 
     
      
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount  as  discussed  above.   After  we  finish  our 
    investigation, we will tell you our decision.  At that point, if we 
    think you owe an amount and you do not pay, we may report 
    you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services  obtained  pursuant  hereto  or  with  the  proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 07/2018) 
     
     
                  Interest Rates, Interest Charges, and Fees � Platinum Rewards Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                            After that, your APR will be 17.99% to 24.99%, based on your 
                            creditworthiness. 
                          
      
                            This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  17.99% to 24.99%, based on your creditworthiness. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  26.99% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies              
                             
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees      
                           
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees          
                           
        �  Late Payment   Up to $38 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit 
     Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next six 
     billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next six 
     billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
     Payment Due. 
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
     six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next  
     Continued on next page 
    Cont 
     
    six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
    Payment Due. 
    Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
    protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the 
    cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
    rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit 
    insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged 
      
    (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than 
    certain participation fees for a credit card account). 
    If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
    penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces members 
    and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 1-800-659-
    5495). 
    Doing business in South Dakota as Bank of the West California. 
     
     
     
     
    Cont 
                                                   CREDIT CARD AGREEMENT  
                                                                                           (Personal Accounts) 
                                            
                                        ?
     By  requesting  or  accepting  any  Platinum  MasterCard ,  account.  If we accept a payment from you in excess of your 
             ?                    ?
     Platinum Visa , Platinum Rewards MasterCard , Platinum  outstanding balance, your available Credit Limit will not be 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  increased by the amount of the overpayment nor will we be 
     (individually or collectively called �Credit Card account� or  required to authorize transactions for an amount in excess of 
     �Account�) with Bank of the West, you agree to be bound by  your Credit Limit. 
     all the terms of this Agreement. In this Agreement, the words  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
     �you�  or  �your�  mean  everyone  who  has  requested  or  such as car rental companies and hotels, may request prior 
     accepted a Credit Card account with us. The words �we,�  credit approval from us for an estimated amount of your 
     �us,� �our,� or �Bank� mean Bank of the West.  If you do not  Purchases, even if you ultimately do not pay by credit. If our 
     accept this Agreement, you must notify us in writing within 5  approval  is  granted,  your  available  Credit  Limit  will 
     days after receipt.  Use of your card or any feature (including  temporarily be reduced by the amount authorized by us.  If 
     a balance transfer) of your Credit Card Agreement shall  you do not ultimately use your Credit Card account to pay for 
     constitute acceptance of this Agreement.   your Purchases or if the actual amount of Purchases posted 
      1. Use.  Your  Platinum  MasterCard,  Platinum  Visa,  to  your  Credit  Card  account  varies  from  the  estimated 
     Platinum Rewards MasterCard,  Platinum Rewards Visa card  amount  approved  by  us,  it  is  the  responsibility  of  the 
     or Cash Back World MasterCard (individually or collectively  merchant, not us, to cancel the prior credit approval based 
     called �Card�) may be used as a credit card for purchases of  on the estimated amount. The failure of the merchant to 
     goods  or  services  from  participating  merchants  cancel a prior credit approval may result in a temporary 
     (�Purchases�) or to get Cash Advances from us or any other  reduction of your available Credit Limit, but will not increase 
     financial  institution  displaying  the  �MasterCard�  or  �Visa�  the amount you owe us under this Agreement. 
     logo, or to purchase certain items such as traveler's cheques,  4. Agreement to Pay. When you use your Card or Credit 
     foreign currency, money orders, wire transfers, lottery tickets,  Card account, or when you permit anyone to use it, you agree 
     and (except as noted below) funds to be used for wagers or  to pay the amount of any and all transactions (including any 
     gambling (all of which are collectively referred to as �Cash  which may have been made in violation of this Agreement), 
     Advances�) up to your Credit Limit; provided, however, you  and the INTEREST CHARGES, and fees that may become 
     may not use your Card (i) to make Purchases or obtain Cash  due as shown on the periodic statement. You agree that we 
     Advances for any illegal transaction, or (ii) for any internet or  may change or cancel your Credit Card Account at any time 
     online gambling transactions.  Transactions for online or  without affecting your obligation to pay the amounts that you 
     internet gambling will not be approved.  If you use your Card  owe under this Agreement.  
     for any illegal or prohibited transaction, this Agreement also  5. Periodic Statement. Each month we will send you a 
     applies to such transaction and you agree to pay any and all  periodic statement for each Credit Card account you have 
     amounts related to such transaction pursuant to the terms of  with us covering the previous billing period. We may not send 
     this Agreement. We may, in our sole discretion, restrict the  you a statement if your balance is less than $1 and there 
     use of or terminate your Card if we notice excessive use of  were no transactions during the billing period. The statement 
     your Card or other suspicious activities or if we reasonably  will have a �Statement Period Date�, �Statement Closing 
     believe the Card is or has been used for one or more illegal  Date� and a �Payment Due Date,� and will show, among other 
     or  prohibited  transactions.  You  can  also  obtain  a  Cash  things, your �Previous Balance,� your �New Balance,� and 
     Advance by  writing a special MasterCard  or  Visa  check  your minimum monthly payment, which will be shown as 
     (�Convenience Check�).  The Cash Advance will be posted  �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a manner 
     Advances. In addition, you may request that we pay other  we determine except as otherwise required by law.  The 
     creditors on your behalf and transfer approved amounts to  Minimum Payment is applied first to fees, then to INTEREST 
     your Account (�Balance Transfers�).    CHARGES and finally to principal. We apply the Minimum 
      Your Card may also be used in certain automated terminals  Payment to balances with lower APRs, including introductory 
    to gain access to your Credit Card accounts. We have no  APRs, before balances with higher APRs. Payments made in 
    responsibility  for  the  failure  of  any  machine,  merchant,  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    financial institution, or any other party to honor your Card.  balances with the highest ANNUAL PERCENTAGE RATE 
    Your Card and Credit Card account may be used only for  and  then  to  each  successive  balance  bearing  the  next 
    valid and lawful purposes. If you use or allow someone else  highest ANNUAL PERCENTAGE RATE.  
    to use the Card or Credit Card account for any other purpose,    Payments  must  be  mailed  to  the  BankCard  Center 
    you will be responsible for such use and may be required to  address specified in your periodic statement. Payments must 
    reimburse us for all amounts or expenses we pay as a result  reach our BankCard Center during our regular business day 
    of such use.                            in order to be credited on that date.  Payments received after 
     2. Credit Limit.  We will notify you of the Credit Limit for  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    each Credit Card account you have with us. You agree that  following business day. If you make a payment by any means 
    your total charges, including Purchases, Cash Advances,  other than mail to our BankCard Center crediting of the 
    Balance Transfers, INTEREST CHARGES, and fees that  payment  may  be  delayed.   If  you  fail  to  properly  make 
    may be due will not exceed your Credit Limit. If you do go  payments, crediting such payments may be delayed. Your 
    over your Credit Limit, you must repay the excess amount  total available credit may not be restored for up to 15 days 
    immediately, and we may reduce the available Credit Limit of  after we receive your payment.    
    any other Credit Card account you have with us until such    If a payment is returned to us for any reason, we may 
    time the excess amount is repaid. You may apply to increase  apply a Returned Payment Fee of $27 for the first violation 
    your Credit Limit at any time but we are not obligated to  and $38 for each subsequent violation within the next six 
    increase  your Credit Limit at any  time. Furthermore,  we  billing cycles. The Returned Payment Fee for Iowa residents 
    reserve the right to lower your Credit Limit at any time. For  is $27 for the first violation and $30 for each subsequent 
    security reasons, we may limit the number or amount of  violation within the next six billing cycles.  If the Returned 
    transactions that may be accomplished with your Card or  Payment Fee is greater than the Minimum Payment Due, the 
    Credit  Card  account,  and  we  have  the  right  to  limit  fee will be equal to the Minimum Payment Due.  
    authorizations  to  make  transactions  if  we  consider  it    From time to time, we may let you skip or reduce one or 
    necessary to verify Payments received on your Credit Card  more  monthly  payments  during  a  year  and/or  we  may 
                                            temporarily  reduce  or  eliminate  certain  INTEREST 
    BW-CCAG (Rev. 07/2018) 
     
      
    CHARGES on all or a portion of your Credit Card account  preceding the day your billing cycle ends. If the Index is no 
    balance or offer you other special terms. If we do, we will  longer available, we will choose a new index which is based 
    advise you of the scope and duration of the applicable skip  upon comparable information and will give you notice of our 
    or promotional feature. When the skip or promotional feature  choice. The ANNUAL PERCENTAGE RATE may increase or 
    ends, your regular rates and all the terms of the Agreement  decrease each month if the Index changes. Any new rate will 
    will resume.                             be applied as of the first day of your billing cycle during which 
     7. Minimum Payment- Late Payment Fee. The �Minimum  the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
    Payment Due� must be received by us by the �Payment Due  RATE increases, you will pay a higher INTEREST CHARGE, 
    Date.� If it is not, we may apply a Late Payment Fee of up to  which may result in a higher minimum payment. 
    $27 for the first violation and up to $38 for each subsequent    The interest rate for Purchases (after the Introductory 
    violation within the next six billing cycles.  The Late Payment  Period) and Balance Transfers on your Platinum Rewards 
    Fee for Iowa residents is up to $27 for the first violation and  Credit Card account is based on a variable rate equal to the 
    up to $30 for each subsequent violation within the next six  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
    billing cycles.  If such charge would result in an INTEREST  percentage  points,  based  on  your  creditworthiness.  The 
    CHARGE greater than the maximum allowed by law, we will  interest rate for Purchases (after the Introductory Period) and 
    only charge the maximum allowable rate. Your Minimum  Balance Transfers on your Platinum Credit Card account is 
    Payment Due will be 3% of the New Balance plus any Late  based on a variable rate equal to the sum of the Index plus a 
    Payment Fee (with a minimum of the lesser of $27 or your  �Rate Spread� of 11.74 to 19.74 percentage points, based on 
    New Balance) and any amount over your credit limit and past  your creditworthiness. The interest rate for Purchases (after 
    due amount.                              the Introductory Period) and Balance Transfers on your Cash 
     8. How to Avoid Paying Interest on Purchases. There  Back World Credit Card account is based on a variable rate 
    may be  different treatment of INTEREST CHARGES for  equal to the sum of the Index plus a �Rate Spread� of 12.74 
    Purchases, Balance Transfers, and Cash Advances, even  to 19.74 percentage points, based on your creditworthiness. 
    though they are computed the same way. You may avoid  The interest rate for Cash Advances on your Account is 
    paying an INTEREST CHARGE on Purchases if we receive  based on a variable rate equal to the sum of the Index plus a 
    the entire New Balance by the Payment Due Date. If we do  �Rate  Spread�  of  21.74  percentage  points.  Immediately 
    not receive the entire New Balance by the Payment Due  before each Change Date we will determine the new interest 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the  rate by adding the Rate Spread to the Index. The new interest 
    Purchases  from  the  date  of  the  transaction.  INTEREST  rate will become effective at the start of your first billing cycle 
    CHARGES on all other balances, including Cash Advances  after the Change Date. Only one ANNUAL PERCENTAGE 
    and Balance Transfers, begin on the transaction date and will  RATE and Daily Periodic Rate will be in effect for each 
    be assessed even if your entire New Balance is paid by the  Balance Category during the billing period. The ANNUAL 
    Payment Due Date.                        PERCENTAGE RATE will not exceed the maximum rate 
     9. Computing Your INTEREST CHARGE. We figure the  permitted by law. The effect of any increase in the ANNUAL 
    INTEREST  CHARGE  on  each  Credit  Card  account  by  PERCENTAGE RATE and the Daily Periodic Rate would be 
    applying the periodic rate to the �Average Daily Balance� of  to increase the amount of INTEREST CHARGE or interest 
    each Balance Category on the Credit Card account, including  you must pay and thus increase your monthly payments. 
                                             10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
    current transactions. Balance Categories include Purchases, 
    Balance Transfers, Cash Advances, Introductory Rates and  appropriate fees listed below (as permitted by applicable law) 
    any special rate offers we may make available from time to  which  may  be  amended  from  time  to  time  by  us.  You 
    time.  If you are charged interest, the charge will be no less  authorize us to charge your Credit Card account for the 
    than  $1.00  (the  minimum  interest  charge  will  appear  as  following fees due to us. Cash Advance fee: 4.00% of each 
    �Minimum Charge� in the fees section of your statement).   Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
       a. Average Daily Balance.  To obtain the daily balance  of each balance transferred, $10 minimum. 
                                             11.  Foreign Transaction Fee. Transactions that you make 
    for each Balance Category we take the beginning balance 
    each  day  and  add  new  transactions  applicable  to  each  in a foreign currency or that you make outside of the United 
    category, and subtract any payments, credits, and refunds  States of America even if it is made in U.S. dollars are 
    applied  to  the  category.   To  figure  your  Average  Daily  considered foreign transactions.  If you make a transaction in 
    Balance for each Balance Category, we add all your daily  a foreign currency it will be billed to you in U.S. Dollars. The 
    balances and divide by the number of days in the billing  conversion rate to U.S. Dollars will be determined by Visa 
    period.                                  International or MasterCard International in accordance with 
       b. Figuring the INTEREST CHARGE. We compute the  their operating regulations or conversion procedures in effect 
    INTEREST  CHARGE  for  each  Balance  Category  by  at the time the transaction is processed. Currently, their 
    multiplying these Average Daily Balances by the applicable  regulations  and  procedures  provide  that  the  currency 
    Daily Periodic Rate, and then we multiply the result by the  conversion  rate  they  use  is  either  (1)  a  government-
    number of days in the billing period. To determine the Daily  mandated rate or (2) a wholesale market rate, whichever is 
    Periodic Rate for each Balance Category, we divide the  applicable, in effect one day prior to the processing date. We 
    applicable ANNUAL PERCENTAGE RATE in effect for the  do not determine the currency conversion rate which is used.  
    billing period by 365 (366 for leap year). The way we get the  You agree to pay the converted amount in U.S. funds. In 
    ANNUAL PERCENTAGE RATE for each Balance Category  addition, Visa or MasterCard will charge us (the Bank) an 
    is described below under �Fixed Rate� and �Variable Rate.�  international transaction fee, currently equal to one percent 
       c. Fixed Rate. For the Introductory Period your interest  (1.00%) of the transaction amount. We will charge you the 
    rate for Purchases on your Account is equal to 0.00% APR;  international transaction fee imposed on us plus an additional 
    thereafter, your regular ANNUAL PERCENTAGE RATE for  two percent (2.00%) of the transaction amount whether that 
    Purchases will apply. Introductory ANNUAL PERCENTAGE  transaction was originally made in U.S. dollars or was made 
    RATES for Balance Transfers or Cash Advances may vary.  in another currency and converted to U.S. dollars.  These two 
    Please refer to your Account Opening Disclosures for specific  fees  will  be  aggregated  and  shown  as  one  Foreign 
    introductory period and ANNUAL PERCENTAGE RATES  Transaction Fee on your statement. 
                                              12.  Other Fees. As allowed by law, we may charge, and 
    associated with your account. 
     d. Variable Rate. The current ANNUAL PERCENTAGE  you agree to pay, fees for certain services or requests made 
    RATE for all variable rates is shown on the Account Opening  by you, such as but not limited to: Automated Teller Machine 
    Disclosure  which  has  been  provided  to  you  with  this  (�ATM�) transactions conducted at machines not operated by 
    Agreement. The Daily Periodic Rate and the corresponding  us, requests for copies of billing statements, sales drafts, or 
    ANNUAL PERCENTAGE RATE may change each month on  other  records  of  your  Account,  or  if  you  request  a 
    the first day of each of your billing cycles. Each date on which  replacement card(s).  However, we will not charge fees for 
    the rate of interest could change is called a �Change Date.�  copies of documents requested for a billing dispute.  These 
    Changes will be based on changes in the �Index.� The Index  fees may change from time to time.  We will inform you of the 
    is the Prime Rate published in the �Money Rates� table of The  fee(s)  that  you  will  incur  prior  to  when  the  applicable 
    Wall  Street  Journal  on  the  business  day  immediately  service(s) is(are) provided or when you make the request(s), 
    BW-CCAG (Rev. 07/2018) 
     
      
    as applicable. You authorize us to charge your Credit Card  who uses it with your permission. Security in use of the Card 
    account for any such fees that you incurs. We reserve the  is provided by the secret code, which we will provide you, and 
    right to waive a fee from time to time but a waiver does not  the magnetically encoded stripe on the Card. Please keep 
    mean we will continue to waive such fee in the future.   the Card safe and also protect the secret code. Use the Card 
     13.  Interest  Charges  for  Covered  Members  of  the  and the secret code as instructed at all times. Please notify 
    Armed  Forces  and  Their  Dependents:  Federal  law  us of any mechanical or operating failure in connection with 
    provides important protections to members of the Armed  the use of your Card. Do not permit anyone else to use your 
    Forces  and  their  dependents  relating  to  extensions  of  Card and do not disclose your secret code or record it on the 
    consumer credit. In general, the cost of consumer credit to a  Card. The Card remains the property of the Bank and can be 
    member of the Armed Forces and his or her dependent may  revoked and repossessed at any time. You must return it to 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  us when asked. 
    rate must include, as applicable to the credit transaction or  e. Fees for Using Automated Terminal Services. Fees 
    account:  the  costs  associated  with  credit  insurance  may be charged for transactions made at automated teller 
    premiums; fees for ancillary products sold in connection with  machines not operated by us as described in paragraph 12-
    the credit transaction; any application fee charged (other than  Other Fees. 
    certain application fees for specified credit transactions or  16.  Lost  or  Stolen  Card;  Your  Liability  for 
    accounts); and any participation fee charged (other than  Unauthorized Use. Tell us AT ONCE if you believe your 
    certain participation fees for a credit card account).  Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a  keeping your possible losses down. 
    dependent, you will not be charged annual fees, transaction  You may be liable for the unauthorized use of your Card 
    fees, or penalty fees so that your cost may not exceed the  as a credit card. You will not be liable for unauthorized use of 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.  your Card as a credit card which occurs after you notify us at 
    Armed  Forces  members  and  their  dependents  can  hear  the telephone number or address stated in paragraph 17, 
    about the protections provided to them by calling 1-866-761- orally or in writing, of loss, theft, or possible unauthorized 
    2689 (TTY users call 1-800-659-5495).   use. In any case, your liability for unauthorized use of your 
       14.  Default. We may declare the entire balance for all  Card as a credit card will not exceed $50.00. 
    Credit Card accounts due and payable at once with or without  17.  Where to Call or Write. If you believe your Card has 
    notice  or  demand  if  any  of  these  events  (a  �Default�)  been lost or stolen or that someone is using your Card or 
    happens:                                Credit  Card  account  without  your  permission,  call: 
       a. If you miss a payment under this Agreement or any  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
     other obligation you owe us; or        Bank of the West, BankCard Security Department, PO Box 
       b. If you violate any terms of this Agreement.  2078, Omaha, NE 68103-2078. 
       If you are in Default, we may terminate your Credit Card  18.  Our Business Days. Our business days are Monday 
     account, make no more additional loans, and require you to  through Friday, except for bank holidays. 
     immediately repay the entire unpaid balance of all amounts  19.  Credit Investigation and Disclosure. You authorize 
     due on your Credit Card account, including but not limited to  us, both now and in the future, to check your credit and 
     all loan amounts, late charges and other charges assessed  employment history and to release information about our 
     but not paid, and all of the INTEREST CHARGES accrued  credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your  inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would  have reported inaccurate information about you to a credit 
     continue.                              bureau, please call us at 1-800-996-2638 (for TTY call 1-800-
       At  our  option,  we  may  also  take  action  short  of  659-5495).  As required by law, you are hereby notified that 
     terminating your Credit Card account. If we take such lesser  a negative credit report reflecting on your credit history may 
     action initially, we reserve the right to terminate your Credit  be submitted to a credit reporting agency if you fail to fulfill 
     Card account and accelerate all amounts due under this  the terms of your credit obligations. 
     Agreement regardless of whether any additional events have  20.  Security  Interest.  We  have  no  security  for  any 
     occurred which would permit termination and acceleration.   amounts which become due under this Agreement, even 
      15.  Automated Terminal Services       though any other agreement you may have with us, such as 
       a. Automated Terminals. You may use your Card in the  a mortgage, may provide for such a security interest, unless 
     following automated terminals:          you have given us a specific security interest in connection 
          (1) Any Bank of the West automated teller machines.  with this Agreement, which is described on the Supplement 
          (2) Any  other  automated  teller  machine  that  is  attached to this Agreement. 
     participating in a network and accepts our Card (�Network  21.  Collection. You promise to pay all collection costs, 
     ATM�) and                               including, without limitation, mailgram charges, reasonable 
          (3) Any point-of-sale terminal that accepts our Card  lawyers� fees and court costs, as permitted by law. 
     (�POS terminal�).                       22.  If There are More Than One of You. Each of you 
       b. Services Available at an Automated Terminal  individually, or all of you together, will be liable under this 
          (1) You may use your Card at a Bank of the West or  Agreement. We may collect from or sue any one of you, or 
     any Network ATM to:                    make any settlements or extensions with any one of you, 
           (a) Get a Cash Advance from your Credit Card  without giving up our rights against the other. You understand 
     account.                               that  any  one  of  you  can  make  Purchases,  get  Cash 
           (b) Get your Credit Card account balances. These  Advances,  or  perform  Balance  Transfers  under  this 
     balances may not include some transactions recently made  Agreement which will be binding upon all of you. 
     in your Credit Card account. Some of the services described  23.  No Waiver of Rights. If we choose to waive any of the 
     in subparagraphs (a) and (b) may not be available at all  terms or conditions of this Agreement on a case-by-case 
     Network ATMs.                          basis, such as by not declaring the entire balance due when 
           (c) You may use your Card at a POS terminal to  the minimum monthly payment has not been made on time, 
     purchase certain merchandise. The amount of your purchase  it does not mean that we have waived, or given up, our right 
     will automatically be charged to your Credit Card account as  to  exercise  any  of  our  rights  or  remedies  under  this 
     a Purchase.                            Agreement in the future. We are not required to use any 
       c. Limits  of  Automated  Terminal  Services  -  Cash  particular  kind  of  demand  or  notice  in  order  to  collect 
     Advances. You may get a Cash Advance from a Bank of the  amounts due to us under this Agreement. No indulgence or 
     West Automated Terminal up to an aggregate amount of  acceptance by us of delinquent or partial payments constitute 
     $500 each calendar day, provided that this amount does not  a waiver of our rights or of any provision of this Agreement. 
     exceed your Credit Limit. This amount may be less for Cash  No waiver of any existing default shall be deemed to waive 
     Advances from Network ATMs.            any subsequent default. 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  24. Changing Terms. We can change, add to, delete or 
     responsible for all transactions in which you use your Card in  otherwise modify the terms of this Agreement at any time in 
     an automated terminal, or the use of the Card by anyone else  any way permitted by law.  We will send you a notice of 
    BW-CCAG (Rev. 07/2018) 
     
      
    change at least 45 days (or as required by applicable law)  27.  Monitoring/Recording  Telephone  Calls.  Our 
    before the effective date of the change. We do not have to  supervisory  personnel  may  listen  to  and  record  your 
    send you an advance notice of the change if it favors you,  telephone calls to us for  the  purpose of monitoring and 
    such as by reducing rates, or increasing the maximum credit  improving the quality of service you receive. 
    limit.  Except in cases where we are changing terms due to  28.  Severability.  All other provisions of this Agreement 
    the Minimum Payment Due not being received within 60 days  shall remain in full force even if one or more provisions of this 
    of the Payment Due Date, you agree that the change may  Agreement are held invalid, illegal, void or unenforceable by 
    cover all transactions made 15 days after we mail the notice.   any rule or law, administrative order or judicial decision. 
    If you do not agree to the change, a method for rejecting the  29.  Our Communications with You 
    change  and  closing  the  account  will  be  provided  in  the  You  agree  that  we,  any  of  our  affiliates,  agents, 
    Change of Terms Notice.   You agree that if you use your  independent contractors or service providers may monitor 
    card after the effective date of the change, this will constitute  and record telephone calls regarding your banking services 
    your agreement with the change.         to assure the quality of our service or for other reasons. You 
     25.  Canceling this  Agreement. We have the right to  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
     cancel this Agreement at any time by sending a notice to any  independent  contractors  or  service  providers  may  use 
     one of you in writing. You also have the same right to cancel  written, electronic, or verbal means, or  any other medium, 
     this Agreement at any time by sending us a notice in writing  as permitted by law and including, but not limited to, mail and 
     or calling the BankCard Center at 1-800-996-2638 (for TTY  facsimile, to contact you. Your consent includes, but is not 
     call 1-800-659-5495). If this Agreement is canceled by you or  limited to, contact by manual calling methods, prerecorded or 
     us, your obligation is to repay amounts you already owe  artificial  voice  messages,  text  messages,  e-mails  and/or 
     under this Agreement.  In either case, the account will be  automatic telephone dialing systems. You agree that we, any 
     closed and you will no longer have access to the account.  of our affiliates, agents, independent contractors or service 
     26.  Governing Law. This Agreement will be governed by  providers  may  contact  you  by  using  any  e-mail  or  any 
     the laws of the State of Nebraska, and, as applicable, federal  telephone  number  you  provide,  including  a  telephone 
     law, regardless of where the transactions are made.  number  for  a  cellular  phone  or  other  wireless  device, 
                                            regardless of whether you incur any charges as a result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement   
    If you think there is an error on your statement, write to us at:   �  If we made a mistake: You will not have to pay the 
             Bank of the West                    amount in question or any interest or other fees 
             BankCard Customer Service Department  related to that amount. 
             PO Box 2319                       �  If we do not believe there was a mistake: You will 
             Omaha, NE 68172-9793                have to pay the amount in question, along with 
       In your letter, give us the following information:  applicable interest and fees.  We will send you a 
      �  Account information: Your name and account  statement of the amount you owe and the date 
         number.                                 payment is due.  We may then report you as 
      �  Dollar amount: The dollar amount of the suspected  delinquent if you do not pay the amount we think 
         error.                                  you owe. 
      �  Description of problem: If you think there is an error   
         on your bill, describe what you believe is wrong and  If you receive our explanation but still believe your bill is 
         why you believe it is a mistake.   wrong, you must write to us within 10 days telling us that you 
       You must contact us:                 still refuse to pay.  If you do so, we cannot report you as 
      �  Within 60 days after the error appeared on your  delinquent without also reporting that you are questioning 
         statement.                         your bill.  We must tell you the name of anyone to whom we 
      �  At least 3 business days before an automated  reported  you  as  delinquent,  and  we  must  let  those 
         payment is scheduled, if you want to stop payment  organizations  know  when  the  matter  has  been  settled 
         on the amount you think is wrong.  between us. 
     You must notify  us of any  potential errors in writing [or   
     electronically].  You may call us, but if you do we are not  If we do not follow all of the rules above, you do not have to 
     required to investigate any potential errors and you may have  pay the first $50 of the amount you question even if your bill 
     to pay the amount in question.         is correct. 
                                              
     What Will Happen After We Receive Your Letter  Your Rights If You Are Dissatisfied With Your Credit 
      When we receive your letter, we must do two things:  Card Purchases 
      1. Within 30 days of receiving your letter, we must tell you  If you are dissatisfied with the goods or services that you 
     that we received your letter.  We will also tell you if we have  have purchased with your credit card and you have tried in 
     already corrected the error.           good faith to correct the problem with the merchant, you may 
      2. Within 90 days of receiving your letter, we must either  have the right not to pay the remaining amount due on the 
    correct the error or explain to you why we believe the bill is  purchase. 
    correct.  While we investigate whether or not there has   
    been an error:                           To use this right, all of the following must be true: 
                                             1. The purchase must have been made in your home state 
       �  We cannot try to collect the amount in question, or  or within 100 miles of your current mailing address, and the 
         report you as delinquent on that amount.  purchase price must have been more than $50.  (Note: 
                                            Neither of these are necessary if your purchase was based 
       �  The charge in question may remain on your 
                                            on an advertisement we mailed to you, or if we own the 
         statement, and we may continue to charge you 
                                            company that sold you the goods or services.) 
         interest on that amount. 
                                             2. You must have used your credit card for the purchase.  
       �  While you do not have to pay the amount in 
                                            Purchases made with cash advances from an ATM or with a 
         question, you are responsible for the remainder of 
                                            check that accesses your credit card account do not qualify. 
         your balance. 
                                              3. You must not yet have fully paid for the purchase. 
       �  We can apply any unpaid amount against your 
                                              
         credit limit. 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
      
                                             dissatisfied with the purchase, contact us in writing at: 
     After we finish our investigation, one of two things will 
                                               Bank of the West  
    happen: 
    BW-CCAG (Rev. 07/2018) 
     
      
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount  as  discussed  above.   After  we  finish  our 
    investigation, we will tell you our decision.  At that point, if we 
    think you owe an amount and you do not pay, we may report 
    you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services  obtained  pursuant  hereto  or  with  the  proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 07/2018) 
          
              Interest Rates, Interest Charges, and Fees � Cash Back World Mastercard� Card 
     Interest Rates and Interest Charges 
     Annual Percentage Rate 
                          0.00% Introductory APR for the first six months. 
     (APR) for Purchases 
                            After that, your APR will be 17.99% to 24.99%, based on your 
                            creditworthiness. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers  17.99% to 24.99%, based on your creditworthiness. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  26.99% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  None 
     Applies              
                             
     Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                          charge you any interest on purchases if you pay your entire balance by the due date 
                          each month. We will begin charging interest on cash advances and balance transfers 
                          on the transaction date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
     the Consumer Financial  visit the website of the Consumer Financial Protection Bureau 
     Protection Bureau    at http://www.consumerfinance.gov/learnmore/. 
     
     Fees 
     Annual Fee           None 
     Transaction Fees      
                           
        �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
        �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
        �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
     Penalty Fees          
                           
        �  Late Payment   Up to $38 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
     
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
     See your Credit Card Agreement for more details. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit 
     Card Agreement. 
      
     Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within the next 
     six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the next 
     six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the Minimum 
     Payment Due. 
          
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within the 
     next six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
     next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
          
          
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the 
     cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage 
     rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit 
     insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged 
     (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other 
     than certain participation fees for a credit card account). 
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces members 
     and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 1-800-659-
     5495). 
     Doing business in South Dakota as Bank of the West California. 
      
     
                                                   CREDIT CARD AGREEMENT  
                                                                                           (Personal Accounts) 
                                            
                                        ?
     By  requesting  or  accepting  any  Platinum  MasterCard ,  account.  If we accept a payment from you in excess of your 
             ?                    ?
     Platinum Visa , Platinum Rewards MasterCard , Platinum  outstanding balance, your available Credit Limit will not be 
             ?                      ?
     Rewards Visa , or Cash Back World MasterCard account  increased by the amount of the overpayment nor will we be 
     (individually or collectively called �Credit Card account� or  required to authorize transactions for an amount in excess of 
     �Account�) with Bank of the West, you agree to be bound by  your Credit Limit. 
     all the terms of this Agreement. In this Agreement, the words  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
     �you�  or  �your�  mean  everyone  who  has  requested  or  such as car rental companies and hotels, may request prior 
     accepted a Credit Card account with us. The words �we,�  credit approval from us for an estimated amount of your 
     �us,� �our,� or �Bank� mean Bank of the West.  If you do not  Purchases, even if you ultimately do not pay by credit. If our 
     accept this Agreement, you must notify us in writing within 5  approval  is  granted,  your  available  Credit  Limit  will 
     days after receipt.  Use of your card or any feature (including  temporarily be reduced by the amount authorized by us.  If 
     a balance transfer) of your Credit Card Agreement shall  you do not ultimately use your Credit Card account to pay for 
     constitute acceptance of this Agreement.   your Purchases or if the actual amount of Purchases posted 
      1. Use.  Your  Platinum  MasterCard,  Platinum  Visa,  to  your  Credit  Card  account  varies  from  the  estimated 
     Platinum Rewards MasterCard,  Platinum Rewards Visa card  amount  approved  by  us,  it  is  the  responsibility  of  the 
     or Cash Back World MasterCard (individually or collectively  merchant, not us, to cancel the prior credit approval based 
     called �Card�) may be used as a credit card for purchases of  on the estimated amount. The failure of the merchant to 
     goods  or  services  from  participating  merchants  cancel a prior credit approval may result in a temporary 
     (�Purchases�) or to get Cash Advances from us or any other  reduction of your available Credit Limit, but will not increase 
     financial  institution  displaying  the  �MasterCard�  or  �Visa�  the amount you owe us under this Agreement. 
     logo, or to purchase certain items such as traveler's cheques,  4. Agreement to Pay. When you use your Card or Credit 
     foreign currency, money orders, wire transfers, lottery tickets,  Card account, or when you permit anyone to use it, you agree 
     and (except as noted below) funds to be used for wagers or  to pay the amount of any and all transactions (including any 
     gambling (all of which are collectively referred to as �Cash  which may have been made in violation of this Agreement), 
     Advances�) up to your Credit Limit; provided, however, you  and the INTEREST CHARGES, and fees that may become 
     may not use your Card (i) to make Purchases or obtain Cash  due as shown on the periodic statement. You agree that we 
     Advances for any illegal transaction, or (ii) for any internet or  may change or cancel your Credit Card Account at any time 
     online gambling transactions.  Transactions for online or  without affecting your obligation to pay the amounts that you 
     internet gambling will not be approved.  If you use your Card  owe under this Agreement.  
     for any illegal or prohibited transaction, this Agreement also  5. Periodic Statement. Each month we will send you a 
     applies to such transaction and you agree to pay any and all  periodic statement for each Credit Card account you have 
     amounts related to such transaction pursuant to the terms of  with us covering the previous billing period. We may not send 
     this Agreement. We may, in our sole discretion, restrict the  you a statement if your balance is less than $1 and there 
     use of or terminate your Card if we notice excessive use of  were no transactions during the billing period. The statement 
     your Card or other suspicious activities or if we reasonably  will have a �Statement Period Date�, �Statement Closing 
     believe the Card is or has been used for one or more illegal  Date� and a �Payment Due Date,� and will show, among other 
     or  prohibited  transactions.  You  can  also  obtain  a  Cash  things, your �Previous Balance,� your �New Balance,� and 
     Advance by  writing a special MasterCard  or  Visa  check  your minimum monthly payment, which will be shown as 
     (�Convenience Check�).  The Cash Advance will be posted  �Minimum Payment Due.� 
     to your Credit Card account when the Convenience Check  6. Payment. You must make a payment by the �Payment 
     reaches us. If you stop payment on a Convenience Check,  Due Date.� You have two choices: You may pay the entire 
     your Credit Card account will be charged $16.00 (or as  �New Balance� or you may pay in installments by paying at 
     permitted by law) for each stop payment. We may designate  least the �Minimum Payment Due.� When your payment is 
     that only a portion of your Credit Limit is available for Cash  properly received, we will allocate your payment in a manner 
     Advances. In addition, you may request that we pay other  we determine except as otherwise required by law.  The 
     creditors on your behalf and transfer approved amounts to  Minimum Payment is applied first to fees, then to INTEREST 
     your Account (�Balance Transfers�).    CHARGES and finally to principal. We apply the Minimum 
      Your Card may also be used in certain automated terminals  Payment to balances with lower APRs, including introductory 
    to gain access to your Credit Card accounts. We have no  APRs, before balances with higher APRs. Payments made in 
    responsibility  for  the  failure  of  any  machine,  merchant,  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    financial institution, or any other party to honor your Card.  balances with the highest ANNUAL PERCENTAGE RATE 
    Your Card and Credit Card account may be used only for  and  then  to  each  successive  balance  bearing  the  next 
    valid and lawful purposes. If you use or allow someone else  highest ANNUAL PERCENTAGE RATE.  
    to use the Card or Credit Card account for any other purpose,    Payments  must  be  mailed  to  the  BankCard  Center 
    you will be responsible for such use and may be required to  address specified in your periodic statement. Payments must 
    reimburse us for all amounts or expenses we pay as a result  reach our BankCard Center during our regular business day 
    of such use.                            in order to be credited on that date.  Payments received after 
     2. Credit Limit.  We will notify you of the Credit Limit for  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    each Credit Card account you have with us. You agree that  following business day. If you make a payment by any means 
    your total charges, including Purchases, Cash Advances,  other than mail to our BankCard Center crediting of the 
    Balance Transfers, INTEREST CHARGES, and fees that  payment  may  be  delayed.   If  you  fail  to  properly  make 
    may be due will not exceed your Credit Limit. If you do go  payments, crediting such payments may be delayed. Your 
    over your Credit Limit, you must repay the excess amount  total available credit may not be restored for up to 15 days 
    immediately, and we may reduce the available Credit Limit of  after we receive your payment.    
    any other Credit Card account you have with us until such    If a payment is returned to us for any reason, we may 
    time the excess amount is repaid. You may apply to increase  apply a Returned Payment Fee of $27 for the first violation 
    your Credit Limit at any time but we are not obligated to  and $38 for each subsequent violation within the next six 
    increase  your Credit Limit at any  time. Furthermore,  we  billing cycles. The Returned Payment Fee for Iowa residents 
    reserve the right to lower your Credit Limit at any time. For  is $27 for the first violation and $30 for each subsequent 
    security reasons, we may limit the number or amount of  violation within the next six billing cycles.  If the Returned 
    transactions that may be accomplished with your Card or  Payment Fee is greater than the Minimum Payment Due, the 
    Credit  Card  account,  and  we  have  the  right  to  limit  fee will be equal to the Minimum Payment Due.  
    authorizations  to  make  transactions  if  we  consider  it    From time to time, we may let you skip or reduce one or 
    necessary to verify Payments received on your Credit Card  more  monthly  payments  during  a  year  and/or  we  may 
                                            temporarily  reduce  or  eliminate  certain  INTEREST 
    BW-CCAG (Rev. 07/2018) 
     
      
    CHARGES on all or a portion of your Credit Card account  preceding the day your billing cycle ends. If the Index is no 
    balance or offer you other special terms. If we do, we will  longer available, we will choose a new index which is based 
    advise you of the scope and duration of the applicable skip  upon comparable information and will give you notice of our 
    or promotional feature. When the skip or promotional feature  choice. The ANNUAL PERCENTAGE RATE may increase or 
    ends, your regular rates and all the terms of the Agreement  decrease each month if the Index changes. Any new rate will 
    will resume.                             be applied as of the first day of your billing cycle during which 
     7. Minimum Payment- Late Payment Fee. The �Minimum  the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
    Payment Due� must be received by us by the �Payment Due  RATE increases, you will pay a higher INTEREST CHARGE, 
    Date.� If it is not, we may apply a Late Payment Fee of up to  which may result in a higher minimum payment. 
    $27 for the first violation and up to $38 for each subsequent    The interest rate for Purchases (after the Introductory 
    violation within the next six billing cycles.  The Late Payment  Period) and Balance Transfers on your Platinum Rewards 
    Fee for Iowa residents is up to $27 for the first violation and  Credit Card account is based on a variable rate equal to the 
    up to $30 for each subsequent violation within the next six  sum of the Index plus a �Rate Spread� of 12.74 to 19.74 
    billing cycles.  If such charge would result in an INTEREST  percentage  points,  based  on  your  creditworthiness.  The 
    CHARGE greater than the maximum allowed by law, we will  interest rate for Purchases (after the Introductory Period) and 
    only charge the maximum allowable rate. Your Minimum  Balance Transfers on your Platinum Credit Card account is 
    Payment Due will be 3% of the New Balance plus any Late  based on a variable rate equal to the sum of the Index plus a 
    Payment Fee (with a minimum of the lesser of $27 or your  �Rate Spread� of 11.74 to 19.74 percentage points, based on 
    New Balance) and any amount over your credit limit and past  your creditworthiness. The interest rate for Purchases (after 
    due amount.                              the Introductory Period) and Balance Transfers on your Cash 
     8. How to Avoid Paying Interest on Purchases. There  Back World Credit Card account is based on a variable rate 
    may be  different treatment of INTEREST CHARGES for  equal to the sum of the Index plus a �Rate Spread� of 12.74 
    Purchases, Balance Transfers, and Cash Advances, even  to 19.74 percentage points, based on your creditworthiness. 
    though they are computed the same way. You may avoid  The interest rate for Cash Advances on your Account is 
    paying an INTEREST CHARGE on Purchases if we receive  based on a variable rate equal to the sum of the Index plus a 
    the entire New Balance by the Payment Due Date. If we do  �Rate  Spread�  of  21.74  percentage  points.  Immediately 
    not receive the entire New Balance by the Payment Due  before each Change Date we will determine the new interest 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the  rate by adding the Rate Spread to the Index. The new interest 
    Purchases  from  the  date  of  the  transaction.  INTEREST  rate will become effective at the start of your first billing cycle 
    CHARGES on all other balances, including Cash Advances  after the Change Date. Only one ANNUAL PERCENTAGE 
    and Balance Transfers, begin on the transaction date and will  RATE and Daily Periodic Rate will be in effect for each 
    be assessed even if your entire New Balance is paid by the  Balance Category during the billing period. The ANNUAL 
    Payment Due Date.                        PERCENTAGE RATE will not exceed the maximum rate 
     9. Computing Your INTEREST CHARGE. We figure the  permitted by law. The effect of any increase in the ANNUAL 
    INTEREST  CHARGE  on  each  Credit  Card  account  by  PERCENTAGE RATE and the Daily Periodic Rate would be 
    applying the periodic rate to the �Average Daily Balance� of  to increase the amount of INTEREST CHARGE or interest 
    each Balance Category on the Credit Card account, including  you must pay and thus increase your monthly payments. 
                                             10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
    current transactions. Balance Categories include Purchases, 
    Balance Transfers, Cash Advances, Introductory Rates and  appropriate fees listed below (as permitted by applicable law) 
    any special rate offers we may make available from time to  which  may  be  amended  from  time  to  time  by  us.  You 
    time.  If you are charged interest, the charge will be no less  authorize us to charge your Credit Card account for the 
    than  $1.00  (the  minimum  interest  charge  will  appear  as  following fees due to us. Cash Advance fee: 4.00% of each 
    �Minimum Charge� in the fees section of your statement).   Cash Advance, $10 minimum. Balance Transfer fee 4.00% 
       a. Average Daily Balance.  To obtain the daily balance  of each balance transferred, $10 minimum. 
                                             11.  Foreign Transaction Fee. Transactions that you make 
    for each Balance Category we take the beginning balance 
    each  day  and  add  new  transactions  applicable  to  each  in a foreign currency or that you make outside of the United 
    category, and subtract any payments, credits, and refunds  States of America even if it is made in U.S. dollars are 
    applied  to  the  category.   To  figure  your  Average  Daily  considered foreign transactions.  If you make a transaction in 
    Balance for each Balance Category, we add all your daily  a foreign currency it will be billed to you in U.S. Dollars. The 
    balances and divide by the number of days in the billing  conversion rate to U.S. Dollars will be determined by Visa 
    period.                                  International or MasterCard International in accordance with 
       b. Figuring the INTEREST CHARGE. We compute the  their operating regulations or conversion procedures in effect 
    INTEREST  CHARGE  for  each  Balance  Category  by  at the time the transaction is processed. Currently, their 
    multiplying these Average Daily Balances by the applicable  regulations  and  procedures  provide  that  the  currency 
    Daily Periodic Rate, and then we multiply the result by the  conversion  rate  they  use  is  either  (1)  a  government-
    number of days in the billing period. To determine the Daily  mandated rate or (2) a wholesale market rate, whichever is 
    Periodic Rate for each Balance Category, we divide the  applicable, in effect one day prior to the processing date. We 
    applicable ANNUAL PERCENTAGE RATE in effect for the  do not determine the currency conversion rate which is used.  
    billing period by 365 (366 for leap year). The way we get the  You agree to pay the converted amount in U.S. funds. In 
    ANNUAL PERCENTAGE RATE for each Balance Category  addition, Visa or MasterCard will charge us (the Bank) an 
    is described below under �Fixed Rate� and �Variable Rate.�  international transaction fee, currently equal to one percent 
       c. Fixed Rate. For the Introductory Period your interest  (1.00%) of the transaction amount. We will charge you the 
    rate for Purchases on your Account is equal to 0.00% APR;  international transaction fee imposed on us plus an additional 
    thereafter, your regular ANNUAL PERCENTAGE RATE for  two percent (2.00%) of the transaction amount whether that 
    Purchases will apply. Introductory ANNUAL PERCENTAGE  transaction was originally made in U.S. dollars or was made 
    RATES for Balance Transfers or Cash Advances may vary.  in another currency and converted to U.S. dollars.  These two 
    Please refer to your Account Opening Disclosures for specific  fees  will  be  aggregated  and  shown  as  one  Foreign 
    introductory period and ANNUAL PERCENTAGE RATES  Transaction Fee on your statement. 
                                              12.  Other Fees. As allowed by law, we may charge, and 
    associated with your account. 
     d. Variable Rate. The current ANNUAL PERCENTAGE  you agree to pay, fees for certain services or requests made 
    RATE for all variable rates is shown on the Account Opening  by you, such as but not limited to: Automated Teller Machine 
    Disclosure  which  has  been  provided  to  you  with  this  (�ATM�) transactions conducted at machines not operated by 
    Agreement. The Daily Periodic Rate and the corresponding  us, requests for copies of billing statements, sales drafts, or 
    ANNUAL PERCENTAGE RATE may change each month on  other  records  of  your  Account,  or  if  you  request  a 
    the first day of each of your billing cycles. Each date on which  replacement card(s).  However, we will not charge fees for 
    the rate of interest could change is called a �Change Date.�  copies of documents requested for a billing dispute.  These 
    Changes will be based on changes in the �Index.� The Index  fees may change from time to time.  We will inform you of the 
    is the Prime Rate published in the �Money Rates� table of The  fee(s)  that  you  will  incur  prior  to  when  the  applicable 
    Wall  Street  Journal  on  the  business  day  immediately  service(s) is(are) provided or when you make the request(s), 
    BW-CCAG (Rev. 07/2018) 
     
      
    as applicable. You authorize us to charge your Credit Card  who uses it with your permission. Security in use of the Card 
    account for any such fees that you incurs. We reserve the  is provided by the secret code, which we will provide you, and 
    right to waive a fee from time to time but a waiver does not  the magnetically encoded stripe on the Card. Please keep 
    mean we will continue to waive such fee in the future.   the Card safe and also protect the secret code. Use the Card 
     13.  Interest  Charges  for  Covered  Members  of  the  and the secret code as instructed at all times. Please notify 
    Armed  Forces  and  Their  Dependents:  Federal  law  us of any mechanical or operating failure in connection with 
    provides important protections to members of the Armed  the use of your Card. Do not permit anyone else to use your 
    Forces  and  their  dependents  relating  to  extensions  of  Card and do not disclose your secret code or record it on the 
    consumer credit. In general, the cost of consumer credit to a  Card. The Card remains the property of the Bank and can be 
    member of the Armed Forces and his or her dependent may  revoked and repossessed at any time. You must return it to 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  us when asked. 
    rate must include, as applicable to the credit transaction or  e. Fees for Using Automated Terminal Services. Fees 
    account:  the  costs  associated  with  credit  insurance  may be charged for transactions made at automated teller 
    premiums; fees for ancillary products sold in connection with  machines not operated by us as described in paragraph 12-
    the credit transaction; any application fee charged (other than  Other Fees. 
    certain application fees for specified credit transactions or  16.  Lost  or  Stolen  Card;  Your  Liability  for 
    accounts); and any participation fee charged (other than  Unauthorized Use. Tell us AT ONCE if you believe your 
    certain participation fees for a credit card account).  Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a  keeping your possible losses down. 
    dependent, you will not be charged annual fees, transaction  You may be liable for the unauthorized use of your Card 
    fees, or penalty fees so that your cost may not exceed the  as a credit card. You will not be liable for unauthorized use of 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.  your Card as a credit card which occurs after you notify us at 
    Armed  Forces  members  and  their  dependents  can  hear  the telephone number or address stated in paragraph 17, 
    about the protections provided to them by calling 1-866-761- orally or in writing, of loss, theft, or possible unauthorized 
    2689 (TTY users call 1-800-659-5495).   use. In any case, your liability for unauthorized use of your 
       14.  Default. We may declare the entire balance for all  Card as a credit card will not exceed $50.00. 
    Credit Card accounts due and payable at once with or without  17.  Where to Call or Write. If you believe your Card has 
    notice  or  demand  if  any  of  these  events  (a  �Default�)  been lost or stolen or that someone is using your Card or 
    happens:                                Credit  Card  account  without  your  permission,  call: 
       a. If you miss a payment under this Agreement or any  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
     other obligation you owe us; or        Bank of the West, BankCard Security Department, PO Box 
       b. If you violate any terms of this Agreement.  2078, Omaha, NE 68103-2078. 
       If you are in Default, we may terminate your Credit Card  18.  Our Business Days. Our business days are Monday 
     account, make no more additional loans, and require you to  through Friday, except for bank holidays. 
     immediately repay the entire unpaid balance of all amounts  19.  Credit Investigation and Disclosure. You authorize 
     due on your Credit Card account, including but not limited to  us, both now and in the future, to check your credit and 
     all loan amounts, late charges and other charges assessed  employment history and to release information about our 
     but not paid, and all of the INTEREST CHARGES accrued  credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your  inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would  have reported inaccurate information about you to a credit 
     continue.                              bureau, please call us at 1-800-996-2638 (for TTY call 1-800-
       At  our  option,  we  may  also  take  action  short  of  659-5495).  As required by law, you are hereby notified that 
     terminating your Credit Card account. If we take such lesser  a negative credit report reflecting on your credit history may 
     action initially, we reserve the right to terminate your Credit  be submitted to a credit reporting agency if you fail to fulfill 
     Card account and accelerate all amounts due under this  the terms of your credit obligations. 
     Agreement regardless of whether any additional events have  20.  Security  Interest.  We  have  no  security  for  any 
     occurred which would permit termination and acceleration.   amounts which become due under this Agreement, even 
      15.  Automated Terminal Services       though any other agreement you may have with us, such as 
       a. Automated Terminals. You may use your Card in the  a mortgage, may provide for such a security interest, unless 
     following automated terminals:          you have given us a specific security interest in connection 
          (1) Any Bank of the West automated teller machines.  with this Agreement, which is described on the Supplement 
          (2) Any  other  automated  teller  machine  that  is  attached to this Agreement. 
     participating in a network and accepts our Card (�Network  21.  Collection. You promise to pay all collection costs, 
     ATM�) and                               including, without limitation, mailgram charges, reasonable 
          (3) Any point-of-sale terminal that accepts our Card  lawyers� fees and court costs, as permitted by law. 
     (�POS terminal�).                       22.  If There are More Than One of You. Each of you 
       b. Services Available at an Automated Terminal  individually, or all of you together, will be liable under this 
          (1) You may use your Card at a Bank of the West or  Agreement. We may collect from or sue any one of you, or 
     any Network ATM to:                    make any settlements or extensions with any one of you, 
           (a) Get a Cash Advance from your Credit Card  without giving up our rights against the other. You understand 
     account.                               that  any  one  of  you  can  make  Purchases,  get  Cash 
           (b) Get your Credit Card account balances. These  Advances,  or  perform  Balance  Transfers  under  this 
     balances may not include some transactions recently made  Agreement which will be binding upon all of you. 
     in your Credit Card account. Some of the services described  23.  No Waiver of Rights. If we choose to waive any of the 
     in subparagraphs (a) and (b) may not be available at all  terms or conditions of this Agreement on a case-by-case 
     Network ATMs.                          basis, such as by not declaring the entire balance due when 
           (c) You may use your Card at a POS terminal to  the minimum monthly payment has not been made on time, 
     purchase certain merchandise. The amount of your purchase  it does not mean that we have waived, or given up, our right 
     will automatically be charged to your Credit Card account as  to  exercise  any  of  our  rights  or  remedies  under  this 
     a Purchase.                            Agreement in the future. We are not required to use any 
       c. Limits  of  Automated  Terminal  Services  -  Cash  particular  kind  of  demand  or  notice  in  order  to  collect 
     Advances. You may get a Cash Advance from a Bank of the  amounts due to us under this Agreement. No indulgence or 
     West Automated Terminal up to an aggregate amount of  acceptance by us of delinquent or partial payments constitute 
     $500 each calendar day, provided that this amount does not  a waiver of our rights or of any provision of this Agreement. 
     exceed your Credit Limit. This amount may be less for Cash  No waiver of any existing default shall be deemed to waive 
     Advances from Network ATMs.            any subsequent default. 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  24. Changing Terms. We can change, add to, delete or 
     responsible for all transactions in which you use your Card in  otherwise modify the terms of this Agreement at any time in 
     an automated terminal, or the use of the Card by anyone else  any way permitted by law.  We will send you a notice of 
    BW-CCAG (Rev. 07/2018) 
     
      
    change at least 45 days (or as required by applicable law)  27.  Monitoring/Recording  Telephone  Calls.  Our 
    before the effective date of the change. We do not have to  supervisory  personnel  may  listen  to  and  record  your 
    send you an advance notice of the change if it favors you,  telephone calls to us for  the  purpose of monitoring and 
    such as by reducing rates, or increasing the maximum credit  improving the quality of service you receive. 
    limit.  Except in cases where we are changing terms due to  28.  Severability.  All other provisions of this Agreement 
    the Minimum Payment Due not being received within 60 days  shall remain in full force even if one or more provisions of this 
    of the Payment Due Date, you agree that the change may  Agreement are held invalid, illegal, void or unenforceable by 
    cover all transactions made 15 days after we mail the notice.   any rule or law, administrative order or judicial decision. 
    If you do not agree to the change, a method for rejecting the  29.  Our Communications with You 
    change  and  closing  the  account  will  be  provided  in  the  You  agree  that  we,  any  of  our  affiliates,  agents, 
    Change of Terms Notice.   You agree that if you use your  independent contractors or service providers may monitor 
    card after the effective date of the change, this will constitute  and record telephone calls regarding your banking services 
    your agreement with the change.         to assure the quality of our service or for other reasons. You 
     25.  Canceling this  Agreement. We have the right to  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
     cancel this Agreement at any time by sending a notice to any  independent  contractors  or  service  providers  may  use 
     one of you in writing. You also have the same right to cancel  written, electronic, or verbal means, or  any other medium, 
     this Agreement at any time by sending us a notice in writing  as permitted by law and including, but not limited to, mail and 
     or calling the BankCard Center at 1-800-996-2638 (for TTY  facsimile, to contact you. Your consent includes, but is not 
     call 1-800-659-5495). If this Agreement is canceled by you or  limited to, contact by manual calling methods, prerecorded or 
     us, your obligation is to repay amounts you already owe  artificial  voice  messages,  text  messages,  e-mails  and/or 
     under this Agreement.  In either case, the account will be  automatic telephone dialing systems. You agree that we, any 
     closed and you will no longer have access to the account.  of our affiliates, agents, independent contractors or service 
     26.  Governing Law. This Agreement will be governed by  providers  may  contact  you  by  using  any  e-mail  or  any 
     the laws of the State of Nebraska, and, as applicable, federal  telephone  number  you  provide,  including  a  telephone 
     law, regardless of where the transactions are made.  number  for  a  cellular  phone  or  other  wireless  device, 
                                            regardless of whether you incur any charges as a result.   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement   
    If you think there is an error on your statement, write to us at:   �  If we made a mistake: You will not have to pay the 
             Bank of the West                    amount in question or any interest or other fees 
             BankCard Customer Service Department  related to that amount. 
             PO Box 2319                       �  If we do not believe there was a mistake: You will 
             Omaha, NE 68172-9793                have to pay the amount in question, along with 
       In your letter, give us the following information:  applicable interest and fees.  We will send you a 
      �  Account information: Your name and account  statement of the amount you owe and the date 
         number.                                 payment is due.  We may then report you as 
      �  Dollar amount: The dollar amount of the suspected  delinquent if you do not pay the amount we think 
         error.                                  you owe. 
      �  Description of problem: If you think there is an error   
         on your bill, describe what you believe is wrong and  If you receive our explanation but still believe your bill is 
         why you believe it is a mistake.   wrong, you must write to us within 10 days telling us that you 
       You must contact us:                 still refuse to pay.  If you do so, we cannot report you as 
      �  Within 60 days after the error appeared on your  delinquent without also reporting that you are questioning 
         statement.                         your bill.  We must tell you the name of anyone to whom we 
      �  At least 3 business days before an automated  reported  you  as  delinquent,  and  we  must  let  those 
         payment is scheduled, if you want to stop payment  organizations  know  when  the  matter  has  been  settled 
         on the amount you think is wrong.  between us. 
     You must notify  us of any  potential errors in writing [or   
     electronically].  You may call us, but if you do we are not  If we do not follow all of the rules above, you do not have to 
     required to investigate any potential errors and you may have  pay the first $50 of the amount you question even if your bill 
     to pay the amount in question.         is correct. 
                                              
     What Will Happen After We Receive Your Letter  Your Rights If You Are Dissatisfied With Your Credit 
      When we receive your letter, we must do two things:  Card Purchases 
      1. Within 30 days of receiving your letter, we must tell you  If you are dissatisfied with the goods or services that you 
     that we received your letter.  We will also tell you if we have  have purchased with your credit card and you have tried in 
     already corrected the error.           good faith to correct the problem with the merchant, you may 
      2. Within 90 days of receiving your letter, we must either  have the right not to pay the remaining amount due on the 
    correct the error or explain to you why we believe the bill is  purchase. 
    correct.  While we investigate whether or not there has   
    been an error:                           To use this right, all of the following must be true: 
                                             1. The purchase must have been made in your home state 
       �  We cannot try to collect the amount in question, or  or within 100 miles of your current mailing address, and the 
         report you as delinquent on that amount.  purchase price must have been more than $50.  (Note: 
                                            Neither of these are necessary if your purchase was based 
       �  The charge in question may remain on your 
                                            on an advertisement we mailed to you, or if we own the 
         statement, and we may continue to charge you 
                                            company that sold you the goods or services.) 
         interest on that amount. 
                                             2. You must have used your credit card for the purchase.  
       �  While you do not have to pay the amount in 
                                            Purchases made with cash advances from an ATM or with a 
         question, you are responsible for the remainder of 
                                            check that accesses your credit card account do not qualify. 
         your balance. 
                                              3. You must not yet have fully paid for the purchase. 
       �  We can apply any unpaid amount against your 
                                              
         credit limit. 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
      
                                             dissatisfied with the purchase, contact us in writing at: 
     After we finish our investigation, one of two things will 
                                               Bank of the West  
    happen: 
    BW-CCAG (Rev. 07/2018) 
     
      
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
    While we investigate, the same rules apply to the disputed 
    amount  as  discussed  above.   After  we  finish  our 
    investigation, we will tell you our decision.  At that point, if we 
    think you owe an amount and you do not pay, we may report 
    you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services  obtained  pursuant  hereto  or  with  the  proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
    BW-CCAG (Rev. 07/2018) 
     
                                                                          
                                                                                 
                                                                      �
             Interest Rates, Interest Charges, and Fees � Bank of the West World Mastercard  Card 
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                           0.00% Introductory APR for the first six months.    
      (APR) for Purchases 
                            
                             After that, your APR will be 14.99% to 24.99%.  This APR will vary with 
                             the market based on the Prime Rate.  
      APR for Balance Transfers  14.99% to 24.99%  
                            
                               This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  26.99%  
                            
                               This APR will vary with the market based on the Prime Rate. 
      Penalty APR and When it   None 
      Applies               
      Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                           charge you any interest on purchases if you pay your entire balance by the due date 
                           each month.  We will begin charging interest on cash advances and balance transfers 
                           on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
      the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
      Protection Bureau    http://www.consumerfinance.gov/learnmore/.  
      
      Fees 
                             1
      Annual Fee           $85  
      Transaction Fees      
                            
         �  Balance Transfer   Either $10 or 4% of the amount of each transfer, whichever is greater. 
                            
         �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                            
         �  Foreign Transaction   None 
      Penalty Fees          
                            
         �  Late Payment   Up to $38 (Varies by State.  See below for details.). 
                            
         �  Returned Payment   Up to $38 (Varies by State.  See below for details.). 
                            
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).�  See your Credit Card Agreement for more details. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement.   
      
     1  The World MasterCard card is subject to an Annual Membership Fee if you do not maintain an open Bank of the West 
      Premier Checking account.  For details, refer to the World MasterCard Credit Card Agreement. 
       
      Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
      six billing cycles.  For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
      next six billing cycles.  If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within 
     next six billing cycles.  For other states the fee is $27 for the first violation and $38for each subsequent violation within 
     the next six billing cycles.  If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Continued on next page.  
                         
                                                                          
                                                                                 
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
     the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
     with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
     fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
     charged (other than certain participation fees for a credit card account). 
      
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
     members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users 
     call 1-800-659-5495). 
      
     Doing business in South Dakota as Bank of the West California. 
      
      
                         
                                                                 CREDIT CARD AGREEMENT  
                                                                                                                                                       (World MasterCard� Card) 
                                            
    By requesting or accepting any World MasterCard account  increased by the amount of the overpayment nor will we be 
    (individually or collectively called �Credit Card account� or  required to authorize transactions for an amount in excess of 
    �Account�) with Bank of the West, you agree to be bound by  your Credit Limit. 
    all the terms of this Agreement. In this Agreement, the words  3. Temporary Reduction of Credit Limit.   Merchants, 
    �you�  or  �your�  mean  everyone  who  has  requested  or  such as car rental companies and hotels, may request prior 
    accepted a Credit Card account with us. The words �we,�  credit approval from us for an estimated amount of your 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  Purchases, even if you ultimately do not pay by credit. If our 
    accept this Agreement, you must notify us in writing within 5  approval  is  granted,  your  available  Credit  Limit  will 
    days after receipt.  Use of your card or any feature (including  temporarily be reduced by the amount authorized by us. If 
    a balance transfer) of your Credit Card Agreement shall  you do not ultimately use your Credit Card account to pay for 
    constitute acceptance of this Agreement.   your Purchases or if the actual amount of Purchases posted 
     1. Use.  Your   World  MasterCard  Card  (individually  or  to  your  Credit  Card  account  varies  from  the  estimated 
     collectively called �Card�) may be used as a credit card for  amount  approved  by  us,  it  is  the  responsibility  of  the 
     purchases of goods or services from participating merchants  merchant, not us, to cancel the prior credit approval based 
     (�Purchases�) or to get Cash Advances from us or any other  on the estimated amount. The failure of the merchant to 
     financial institution displaying the �MasterCard� logo, or to  cancel a prior credit approval may result in a temporary 
     purchase certain items such as traveler's cheques, foreign  reduction of your available Credit Limit, but will not increase 
     currency, money orders, wire transfers, lottery tickets, and  the amount you owe us under this Agreement. 
     (except as noted below) funds to be used for wagers or  4. Agreement to Pay. When you use your Card or Credit 
     gambling (all of which are collectively referred to as �Cash  Card account, or when you permit anyone to use it, you agree 
     Advances�) up to your Credit Limit; provided, however, you  to pay the amount of any and all transactions (including any 
     may not use your Card (i) to make Purchases or obtain Cash  which may have been made in violation of this Agreement), 
     Advances for any illegal transaction, or (ii) for any internet or  and the INTEREST CHARGES and fees that may become 
     online  gambling  transactions.  Transactions  for  online  or  due as shown on the periodic statement. You agree that we 
     internet gambling will not be approved.  If you use your Card  may change or cancel your Credit Card Account at any time 
     for any illegal or prohibited transaction, this Agreement also  without affecting your obligation to pay the amounts that you 
     applies to such transaction and you agree to pay any and all  owe under this Agreement.  
     amounts related to such transaction pursuant to the terms of  5. Periodic Statement. Each month we will send you a 
     this Agreement. We may, in our sole discretion, restrict the  periodic statement for each Credit Card account you have 
     use of or terminate your Card if we notice excessive use of  with us covering the previous billing period. We may not send 
     your Card or other suspicious activities or if we reasonably  you a statement if your balance is less than $1 and there 
     believe the Card is or has been used for one or more illegal  were no transactions during the billing period. The statement 
     or  prohibited  transactions.  You  can  also  obtain  a  Cash  will have a �Statement Period Date�, �Statement Closing 
     Advance  by  writing  a  special  MasterCard  check  Date� and a �Payment Due Date,� and will show, among other 
     (�Convenience Check�). The Cash Advance will be posted to  things, your �Previous Balance,� your �New Balance,� and 
     your Credit  Card account  when the Convenience  Check  your minimum monthly payment, which will be shown as 
     reaches us. If you stop payment on a Convenience Check,  �Minimum Payment Due.� 
     your Credit Card account will be charged $16.00 (or as  6. Payment. You must make a payment by the �Payment 
     permitted by law) for each stop payment. We may designate  Due Date.� You have two choices: You may pay the entire 
     that only a portion of your Credit Limit is available for Cash  �New Balance� or you may pay in installments by paying at 
     Advances.  In addition, you may request that we pay other  least the �Minimum Payment Due.� When your payment is 
     creditors on your behalf and transfer approved amounts to  properly received, we will allocate your payment in a manner 
     your Account (�Balance Transfers�).    we determine except as otherwise required by law.  The 
      Your Card may also be used in certain automated terminals  Minimum Payment is applied first to fees, then to INTEREST 
    to gain access to your Credit Card accounts. We have no  CHARGES and finally to principal. We apply the Minimum 
    responsibility  for  the  failure  of  any  machine,  merchant,  Payment to balances with lower APRs, including introductory 
    financial institution, or any other party to honor your Card.  APRs, before balances with higher APRs. Payments made in 
    Your Card and Credit Card account may be used only for  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    valid and lawful purposes. If you use or allow someone else  balances with the highest ANNUAL PERCENTAGE RATE 
    to use the Card or Credit Card account for any other purpose,  and  then  to  each  successive  balance  bearing  the  next 
    you will be responsible for such use and may be required to  highest ANNUAL PERCENTAGE ATE. 
    reimburse us for all amounts or expenses we pay as a result    Payments  must  be  mailed  to  the  BankCard  Center 
    of such use.                            address specified in your periodic statement. Payments must 
     2. Credit Limit. We will notify you of the Credit Limit for  reach our BankCard Center during our regular business day 
    each Credit Card account you have with us. You agree that  in order to be credited on that date.  Payments received after 
    your total charges, including Purchases, Cash Advances,  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    Balance Transfers, INTEREST CHARGES, and fees that  following business day. If you make payment by any means 
    may be due will not exceed your Credit Limit. If you do go  other than mail to our BankCard Center crediting of the 
    over your Credit Limit, you must repay the excess amount  payment  may  be  delayed.   If  you  fail  to  properly  make 
    immediately, and we may reduce the available Credit Limit of  payments, crediting such payments may be delayed.  Your 
    any other Credit Card account you have with us until such  total available credit may not be restored for up to 15 days 
    time the excess amount is repaid. You may apply to increase  after we receive your payment.   
    your Credit Limit at any time but we are not obligated to  If a payment is returned to us for any reason, we may apply 
    increase  your Credit Limit at any  time. Furthermore,  we  a Returned Payment Fee of $27 for the first violation and $38 
    reserve the right to lower your Credit Limit at any time. For  for  each  subsequent  violation  within  the  next  six  billing 
    security reasons, we may limit the number or amount of  cycles. The Returned Payment Fee for Iowa residents is $27 
    transactions that may be accomplished with your Card or  for the first violation and $30 for each subsequent violation 
    Credit  Card  account,  and  we  have  the  right  to  limit  within the next six billing cycles.  If the Returned Payment 
    authorizations  to  make  transactions  if  we  consider  it  Fee is greater than the Minimum Payment Due, the fee will 
    necessary to verify Payments received on your Credit Card  be equal to the Minimum Payment Due. 
    account.  If we accept a payment from you in excess of your    From time to time, we may let you skip or reduce one or 
    outstanding balance, your available Credit Limit will not be  more  monthly  payments  during  a  year  and/or  we  may 
    BW-WCCAG (07/2018) 
     
      
    temporarily  reduce  or  eliminate  certain  INTEREST  Changes will be based on changes in the �Index.� The Index 
    CHARGES on all or a portion of your Credit Card account  is the Prime Rate published in the �Money Rates� table of The 
    balance or offer you other special terms. If we do, we will  Wall  Street  Journal  on  the  business  day  immediately 
    advise you of the scope and duration of the applicable skip  preceding the day your billing cycle ends. If the Index is no 
    or promotional feature. When the skip or promotional feature  longer available, we will choose a new index which is based 
    ends, your regular rates and all the terms of the Agreement  upon comparable information and will give you notice of our 
    will resume.                            choice. The ANNUAL PERCENTAGE RATE may increase or 
     7. Minimum Payment- Late Payment Fee. At least the  decrease each month if the Index changes. Any new rate will 
     amount of the �Minimum Payment Due� must be received by  be applied as of the first day of your billing cycle during which 
     us by the �Payment Due Date.� If it is not, we may apply a  the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
     Late Payment fee of $27 for the first violation and $38 for  RATE increases, you will pay a higher INTEREST CHARGE, 
     each subsequent violation within the next six billing cycles.   which may result in a higher minimum payment. 
     The Late Payment fee for Iowa residents is $27 for the first   Your interest rate for Purchases (after the Introductory 
                                             Period) and Balance Transfers on your World MasterCard 
     violation and $30 for each subsequent violation within the 
     next six billing cycles.  If the Late Payment fee is greater than  account is based on a variable rate equal to the sum of the 
     the Minimum Payment Due, the fee will be equal to the  Index plus a �Rate Spread� of 9.74 to 19.74 percentage 
     Minimum Payment Due.  If such charge would result in an  points, based on your creditworthiness. The interest rate for 
     INTEREST CHARGE greater than the maximum allowed by  Cash Advances on your Account is based on a variable rate 
     law, we will only charge the maximum allowable rate.  Your  equal to the sum of the Index plus a �Rate Spread� of 21.74 
     Minimum Payment Due will be 3% of the New Balance plus  percentage points.  Immediately before each Change Date 
     any Late Payment fee (with a minimum of the lesser of $27  we will determine the new interest rate by adding the Rate 
     or your New Balance) and any amount over your credit limit  Spread to the Index.  The new interest rate will become 
     and past due amount.                   effective at the start of your first billing cycle after the Change 
                                            Date. Only one ANNUAL PERCENTAGE RATE and Daily 
      8. How to Avoid Paying Interest on Purchases. There 
                                            Periodic Rate will be in effect for each Balance Category 
     may be  different treatment of INTEREST CHARGES for 
                                            during the billing period. The ANNUAL PERCENTAGE RATE 
     Purchases, Balance Transfers, and Cash Advances, even 
                                            will not exceed the maximum rate permitted by law. The 
     though they are computed the same way. You may avoid 
                                            effect of any increase in the ANNUAL PERCENTAGE RATE 
     paying an INTEREST CHARGE on Purchases if we receive 
                                            and the Daily Periodic Rate would be to increase the amount 
     the entire New Balance by the Payment Due Date.  If we do 
                                            of INTEREST CHARGE or interest you must pay and thus 
     not receive the entire New Balance by the Payment Due 
                                            increase your monthly payments. 
     Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             10.  Transaction Fees. You also agree to pay us the 
     Purchases  from  the  date  of  the  transaction.  INTEREST 
                                            appropriate fees listed below (as permitted by applicable law) 
     CHARGES on all other balances, including Cash Advances 
                                            which  may  be  amended  from  time  to  time  by  us.  You 
     and Balance Transfers, begin on the transaction date and will 
                                            authorize us to charge your Credit Card account for the 
     be assessed even if your entire New Balance is paid by the 
                                            following fees due to us. Balance Transfer fee: 4.00% of each 
     Payment Due Date. 
                                            balance  transferred,  $10  minimum.  Cash  Advance  fee: 
      9. Computing Your INTEREST CHARGE. We figure the 
                                            4.00% of each Cash Advance, $10 minimum.  
     INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             11.  Foreign Transactions. Transactions that you make in 
     applying the periodic rate to the �Average Daily Balance� of 
                                            a foreign currency or that you make outside of the United 
     each Balance Category on the Credit Card account, including 
                                            States of America even if it is made in U.S. dollars are 
     current transactions. Balance Categories include Purchases, 
                                            considered foreign transactions.  If you make a transaction in 
     Balance Transfers, Cash Advances, Introductory Rates and 
                                            a foreign currency it will be billed to you in U.S. Dollars. The 
     any special rate offers we may make available from time to 
                                            conversion  rate  to  U.S.  Dollars  will  be  determined  by 
     time.  If you are charged interest, the charge will be no less 
                                            MasterCard International in accordance with their operating 
     than  $1.00  (the  minimum  interest  charge  will  appear  as 
                                            regulations or conversion procedures in effect at the time the 
     �Minimum Charge� in the fees section of your statement).  
                                            transaction is processed.  Currently, their regulations and 
       a. Average Daily Balance. To obtain the daily balance 
                                            procedures provide that the currency conversion rate they 
     for each Balance Category we take the beginning balance 
                                            use  is  either  (1)  a  government-mandated  rate  or  (2)  a 
     each  day  and  add  new  transactions  applicable  to  each 
                                            wholesale market rate, whichever is applicable, in effect one 
     category, and subtract any payments, credits, and refunds 
                                            day prior to the processing date. We do not determine the 
     applied  to  the  category.   To  figure  your  Average  Daily 
                                            currency conversion rate which is used.  You agree to pay 
     Balance for each Balance Category, we add all your daily 
                                            the converted amount in U.S. funds.  
     balances and divide by the number of days in the billing 
                                               12.   Annual  Membership  Fee.  The  World 
     period. 
                                            MasterCard Account is subject to an Annual Membership 
       b. Figuring the INTEREST CHARGE. We compute the 
                                            Fee of $85.00. The Annual Membership Fee will be waived 
     INTEREST  CHARGE  for  each  Balance  Category  by 
                                            for the first year of your Account. After the first year, on an 
     multiplying these Average Daily Balances by the applicable 
                                            annual basis, but in no case later than the first business day 
     Daily Periodic Rate, and then we multiply the result by the 
                                            of the second month of the quarter preceding the anniversary 
     number of days in the billing period. To determine the Daily 
                                            of the Account�s opening date, the Bank will review the status 
     Periodic Rate for each Balance Category, we divide the 
                                            of  your  Bank  of  the West  Premier  Checking  account  to 
     applicable ANNUAL PERCENTAGE RATE in effect for the 
                                            determine whether or not the Annual Membership Fee will be 
     billing period by 365 (366 for leap year). The way we get the 
                                            waived.  This waiver will be applied annually so long as you 
     ANNUAL PERCENTAGE RATE for each Balance Category 
                                            maintain  an  open  Bank  of  the  West  Premier  Checking 
     is described below under �Fixed Rate� and �Variable Rate.� 
                                            account at the time the Bank evaluates your status.    
       c.  Fixed Rate. For the Introductory Period your interest 
                                              13.  Other Fees. As allowed by law, we may charge, and 
     rate for Purchases on your Account is equal to 0.00% APR; 
                                            you agree to pay, fees for certain services or requests made 
     thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                            by you, such as but not limited to: Automated Teller Machine 
     Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                            (�ATM�) transactions conducted at machines not operated by 
     RATES for Balance Transfers or Cash Advances may vary. 
                                            us, requests for copies of billing statements, sales drafts, or 
     Please refer to your Account Opening Disclosures for specific 
                                            other  records  of  your  Account,  or  if  you  request  a 
     introductory period and ANNUAL PERCENTAGE RATES 
                                            replacement card(s).  However, we will not charge fees for 
     associated with your account. 
                                            copies of documents requested for a billing dispute.  These 
       d. Variable Rate. The current ANNUAL PERCENTAGE 
                                            fees may change from time to time.  We will inform you of the 
     RATE for all variable rates is shown on the Account Opening 
                                            fee(s)  that  you  will  incur  prior  to  when  the  applicable 
     Disclosure  which  has  been  provided  to  you  with  this 
                                            service(s) is(are) provided or when you make the request(s), 
     Agreement. The Daily Periodic Rate and the corresponding 
                                            as applicable. You authorize us to charge your Credit Card 
     ANNUAL PERCENTAGE RATE may change each month on 
                                            account for any such fees that you incur. We reserve the right 
     the first day of each of your billing cycles. Each date on which 
     the rate of interest could change is called a �Change Date.� 
    BW-WCCAG (07/2018) 
     
      
    to waive a fee from time to time but a waiver does not mean  the magnetically encoded stripe on the Card. Please keep 
    we will continue to waive such fee in the future.  the Card safe and also protect the secret code. Use the Card 
     14.  Interest  Charges  for  Covered  Members  of  the  and the secret code as instructed at all times. Please notify 
    Armed  Forces  and  Their  Dependents:  Federal  law  us of any mechanical or operating failure in connection with 
    provides important protections to members of the Armed  the use of your Card. Do not permit anyone else to use your 
    Forces  and  their  dependents  relating  to  extensions  of  Card and do not disclose your secret code or record it on the 
    consumer credit. In general, the cost of consumer credit to a  Card. The Card remains the property of the Bank and can be 
    member of the Armed Forces and his or her dependent may  revoked and repossessed at any time. You must return it to 
    not exceed an A of 36%. This rate must include, as applicable  us when asked. 
    to the credit transaction or account: the costs associated with  e. Fees for Using Automated Terminal Services. Fees 
    credit insurance premiums; fees for ancillary products sold in  may be charged for transactions made at automated teller 
    connection with the credit transaction; any application fee  machines not operated by us as described in paragraph 13-
    charged (other than certain application fees for specified  Other Fees. 
    credit transactions or accounts); and any participation fee  17.  Lost  or  Stolen  Card;  Your  Liability  for 
    charged (other than certain participation fees for a credit card  Unauthorized Use. Tell us AT ONCE if you believe your 
    account).                               Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a  keeping your possible losses down. 
    dependent, you will not be charged annual fees, transaction  You may be liable for the unauthorized use of your Card 
    fees, or penalty fees so that your cost may not exceed the  as a credit card. You will not be liable for unauthorized use of 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.  your Card as a credit card which occurs after you notify us at 
    Armed  Forces  members  and  their  dependents  can  hear  the telephone number or address stated in paragraph 18, 
    about the protections provided to them by calling 1-866-761- orally or in writing, of loss, theft, or possible unauthorized 
    2689 (TTY users call 1-800-659-5495).   use. In any case, your liability for unauthorized use of your 
      15.  Default. We may declare the entire balance for all  Card as a credit card will not exceed $50.00. 
     Credit Card accounts due and payable at once with or without  18.  Where to Call or Write. If you believe your Card has 
     notice  or  demand  if  any  of  these  events  (a  �Default�)  been lost or stolen or that someone is using your Card or 
     happens:                               Credit Card account without your permission, call: 1-844-
       a. If you miss a payment under this Agreement or any  446-9378 (for TTY call 1-800-659-5495) or write to: PO Box 
     other obligation you owe us; or        2078, Omaha, NE 68103-2078.  
       b. If you violate any terms of this Agreement.  19.  Our Business Days. Our business days are Monday 
      If you are in Default, we may terminate your Credit Card  through Friday, except for bank holidays. 
    account, make no more additional loans, and require you to   20.  Credit Investigation and Disclosure. You authorize 
    immediately repay the entire unpaid balance of all amounts  us, both now and in the future, to check your credit and 
    due on your Credit Card account, including but not limited to  employment history and to release information about our 
    all loan amounts, late charges and other charges assessed  credit experience with you in response to legitimate credit 
    but not paid, and all of the INTEREST CHARGES accrued  inquiries. If you believe that we have incorrect information or 
    but not paid. If we terminate your Credit Card account, your  have reported inaccurate information about you to a credit 
    obligation to repay the amounts you already owe us would  bureau, please call us at 1-844-446-9378 (for TTY call 1-800-
    continue.                               659-5495). 
     At our option, we may also take action short of terminating  21.  Security  Interest.  We  have  no  security  for  any 
    your Credit Card account. If we take such lesser action  amounts which become due under this Agreement, even 
    initially, we reserve the right to terminate your Credit Card  though any other agreement you may have with us, such as 
    account  and  accelerate  all  amounts  due  under  this  a mortgage, may provide for such a security interest, unless 
    Agreement regardless of whether any additional events have  you have given us a specific security interest in connection 
    occurred which would permit termination and acceleration.   with this Agreement, which is described on the Supplement 
      16.  Automated Terminal Services      attached to this Agreement. 
       a. Automated Terminals. You may use your Card in the  22.  Collection. You promise to pay all collection costs, 
    following automated terminals:          including, without limitation, mailgram charges, reasonable 
         (1) Any Bank of the West automated teller machines.  lawyers� fees and court costs, as permitted by law. 
         (2) Any  other  automated  teller  machine  that  is  23.  If There are More Than One of You. Each of you 
    participating in a network and accepts our Card (�Network  individually, or all of you together, will be liable under this 
    ATM�) and                               Agreement. We may collect from or sue any one of you, or 
         (3) Any point-of-sale terminal that accepts our Card  make any settlements or extensions with any one of you, 
    (�POS terminal�).                       without giving up our rights against the other. You understand 
       b. Services Available at an Automated Terminal  that  any  one  of  you  can  make  Purchases,  get  Cash 
         (1) You may use your Card at a Bank of the West or  Advances,  or  perform  Balance  Transfers  under  this 
    any Network ATM to:                     Agreement which will be binding upon all of you. 
          (a) Get a Cash Advance from your Credit Card  24.  No Waiver of Rights. If we choose to waive any of the 
    account.                                terms or conditions of this Agreement on a case-by-case 
          (b) Get your Credit Card account balances. These  basis, such as by not declaring the entire balance due when 
    balances may not include some transactions recently made  the minimum monthly payment has not been made on time, 
    in your Credit Card account. Some of the services described  it does not mean that we have waived, or given up, our right 
    in subparagraphs (a) and (b) may not be available at all  to  exercise  any  of  our  rights  or  remedies  under  this 
    Network ATMs.                           Agreement in the future. We are not required to use any 
          (c) You may use your Card at a POS terminal to  particular  kind  of  demand  or  notice  in  order  to  collect 
    purchase certain merchandise. The amount of your purchase  amounts due to us under this Agreement. No indulgence or 
    will automatically be charged to your Credit Card account as  acceptance by us of delinquent or partial payments constitute 
    a Purchase.                             a waiver of our rights or of any provision of this Agreement. 
       c. Limits  of  Automated  Terminal  Services  -  Cash  No waiver of any existing default shall be deemed to waive 
    Advances. You may get a Cash Advance from a Bank of the  any subsequent default. 
    West Automated Terminal up to an aggregate amount of  25.  Changing Terms.  We can change, add to, delete or 
    $500 each calendar day, provided that this amount does not  otherwise modify the terms of this Agreement at any time in 
    exceed your Credit Limit. This amount may be less for Cash  any way permitted by law. We will send you a notice of 
    Advances from Network ATMs.             change at least 45 days (or as required by applicable law) 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  before the effective date of the change. We do not have to 
    responsible for all transactions in which you use your Card in  send you an advance notice of the change if it favors you, 
    an automated terminal, or the use of the Card by anyone else  such as by reducing rates, or increasing the maximum credit 
    who uses it with your permission. Security in use of the Card  limit.  Except in cases where we are changing terms due to 
    is provided by the secret code, which we will provide you, and  the Minimum Payment Due not being received within 60 days 
    BW-WCCAG (07/2018) 
     
      
    of the Payment Due Date, you agree that the change may  29.  Severability.  All other provisions of this Agreement 
    cover all transactions made 15 days after we mail the notice.  shall remain in full force even if one or more provisions of this 
    If you do not agree to the change, a method for rejecting the  Agreement are held invalid, illegal, void or unenforceable by 
    change  and  closing  the  account  will  be  provided  in  the  any rule or law, administrative order or judicial decision. 
    Change of Terms Notice.   You agree that if you use your  30.  Our Communications with You 
    card after the effective date of the change, this will constitute  You agree that we, any of our affiliates, agents, independent 
    your agreement with the change.         contractors or service providers may monitor and record 
     26.  Canceling this Agreement.  We have the right to  telephone calls regarding your banking services to assure the 
    cancel this Agreement at any time by sending a notice to any  quality of our service or for other reasons. You expressly 
    one of you in writing. You also have the same right to cancel  consent that we, any of our affiliates, agents, independent 
    this Agreement at any time by sending us a notice in writing  contractors or service providers may use written, electronic, 
    or calling the BankCard Center at 1-844-446-9378 (for TTY  or verbal means, or  any other medium, as permitted by law 
    call 1-800-659-5495). If this Agreement is canceled by you or  and including, but not limited to, mail and facsimile, to contact 
    us, your obligation is to repay amounts you already owe  you. Your consent includes, but is not limited to, contact by 
    under this Agreement.  In either case, the account will be  manual  calling  methods,  prerecorded  or  artificial  voice 
    closed and you will no longer have access to the account.  messages,  text  messages,  e-mails  and/or  automatic 
     27.  Governing Law. This Agreement will be governed by  telephone dialing systems. You agree that we, any of our 
    the laws of the State of Nebraska, and, as applicable, federal  affiliates,  agents,  independent  contractors  or  service 
    law, regardless of where the transactions are made.  providers  may  contact  you  by  using  any  e-mail  or  any 
     28.  Monitoring/Recording  Telephone  Calls.  Our  telephone  number  you  provide,  including  a  telephone 
    supervisory  personnel  may  listen  to  and  record  your  number  for  a  cellular  phone  or  other  wireless  device, 
    telephone calls to us for  the  purpose of monitoring and  regardless of whether you incur any charges as a result.   
    improving the quality of service you receive.   
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                under the Fair Credit Billing Act. 
                                            
     What To Do If You Find a Mistake on Your Statement  �  If we do not believe there was a mistake: You will 
     If you think there is an error on your statement, write to us at:   have to pay the amount in question, along with 
       Bank of the West                          applicable interest and fees.  We will send you a 
       BankCard Customer Service Department      statement of the amount you owe and the date 
       PO Box 2319                               payment is due.  We may then report you as 
       Omaha, NE 68172-9793                      delinquent if you do not pay the amount we think 
     In your letter, give us the following information:  you owe. 
       �  Account information: Your name and account  If you receive our explanation but still believe your bill is 
         number.                             wrong, you must write to us within 10 days telling us that you 
       �  Dollar amount: The dollar amount of the suspected  still refuse to pay.  If you do so, we cannot report you as 
         error.                              delinquent without also reporting that you are questioning 
       �  Description of problem: If you think there is an error  your bill.  We must tell you the name of anyone to whom we 
         on your bill, describe what you believe is wrong and  reported  you  as  delinquent,  and  we  must  let  those 
         why you believe it is a mistake.    organizations  know  when  the  matter  has  been  settled 
     You must contact us:                    between us. 
       �  Within 60 days after the error appeared on your  If we do not follow all of the rules above, you do not have to 
         statement.                          pay the first $50 of the amount you question even if your bill 
       �  At least 3 business days before an automated  is correct. 
         payment is scheduled, if you want to stop payment   
         on the amount you think is wrong.   Your Rights If You Are Dissatisfied With Your Credit 
     You must notify us of any potential errors in writing.  You may  Card Purchases 
     call us, but if you do we are not required to investigate any  If you are dissatisfied with the goods or services that you 
     potential errors and you may have to pay the amount in  have purchased with your credit card and you have tried in 
     question.                               good faith to correct the problem with the merchant, you may 
                                             have the right not to pay the remaining amount due on the 
     What Will Happen After We Receive Your Letter  purchase. 
     When we receive your letter, we must do two things:   
     1.  Within 30 days of receiving your letter, we must tell you  To use this right, all of the following must be true: 
       that we received your letter.  We will also tell you if we  1.  The purchase must have been made in your home state 
       have already corrected the error.       or within 100 miles of your current mailing address, and 
     2.  Within 90 days of receiving your letter, we must either  the purchase  price must have been more than $50.  
       correct the error or explain to you why we believe the bill  (Note: Neither of these are necessary if your purchase 
       is correct.  While we investigate whether or not there  was based on an advertisement we mailed to you, or if 
       has been an error:                      we  own  the  company  that  sold  you  the  goods  or 
                                               services.) 
       �  We cannot try to collect the amount in question, or 
                                             2.  You must have used your credit card for the purchase.  
          report you as delinquent on that amount. 
                                               Purchases made with cash advances from an ATM or 
       �  The charge in question may remain on your 
                                               with a check that accesses your credit card account do 
          statement, and we may continue to charge you 
                                               not qualify. 
          interest on that amount. 
                                             3.  You must not yet have fully paid for the purchase. 
       �  While you do not have to pay the amount in 
                                              
          question, you are responsible for the remainder of 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
          your balance. 
                                             dissatisfied with the purchase, contact us in writing at: 
       �  We can apply any unpaid amount against your 
                                               Bank of the West 
          credit limit. 
                                               BankCard Customer Service Department 
     After we finish our investigation, one of two things will 
                                               PO Box 2319  
     happen: 
                                               Omaha, NE 68172-9793 
       �  If we made a mistake: You will not have to pay the 
                                             While we investigate, the same rules apply to the disputed 
          amount in question or any interest or other fees 
                                             amount  as  discussed  above.   After  we  finish  our 
          related to that amount. 
                                             investigation, we will tell you our decision.  At that point, if we 
    BW-WCCAG (07/2018) 
     
      
    think you owe an amount and you do not pay, we may report 
    you as delinquent. 
     
    NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
    Credit Card Agreement is subject to all claims and defenses 
    which the debtor could assert against the seller of goods or 
    services  obtained  pursuant  hereto  or  with  the  proceeds 
    hereof.  Recovery hereunder by the debtor shall not exceed 
    amounts paid by the debtor hereunder. 
     
    BW-WCCAG (07/2018) 
     
                                                                          
      
                   Interest Rates, Interest Charges, and Fees � Bank of the West Wealth 
                                       Management 
                                                � 
                              World Elite� Mastercard Credit Card 
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                           0.00% Introductory APR for the first six months.    
      (APR) for Purchases 
                            
                               After that, your APR will be 9.15 %.  This APR will vary with the market based 
                           on  the Prime Rate.  
      APR for Balance Transfers  9.15%  
                            
                               This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  26.99%  
                            
                               This APR will vary with the market based on the Prime Rate. 
      Penalty APR and When it  None 
      Applies               
                            
      Paying Interest      Your due date is at least 25 days after the close of each billing cycle.  We will not 
                           charge you any interest on purchases if you pay your entire balance by the due date 
                           each month.  We will begin charging interest on cash advances and balance transfers 
                           on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
      the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
      Protection Bureau    http://www.consumerfinance.gov/learnmore/.  
      
      Fees 
                              1
      Annual Fee           $295    
      Transaction Fees      
                            
         �  Balance Transfer   Either $10or 4% of the amount of each transfer, whichever is greater. 
                            
         �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                            
         �  Foreign Transaction   None 
      Penalty Fees          
                            
         �  Late Payment   Up to $38 (Varies by State. See next page for details) 
                            
         �  Returned Payment   Up to $38 (Varies by State. See next page for details) 
                            
      
     How We Will Calculate Your Balance: We will use a method called �average daily balance (including new 
     purchases).� See your Credit Card Agreement for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement. 
      
     1  The Wealth Management World Elite MasterCard Credit Card is subject to an Annual Membership Fee if you do not 
      maintain Eligible Qualified Balances of $250,000 or more. For details, refer to the Wealth Management World Elite 
      MasterCard Credit Card Agreement. 
       
      Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
      six billing cycles. For other states the fee is $27 for the first violation and $38 for each subsequent violation within the 
      next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
      Minimum Payment Due. 
       
      Continued on next page 
                                                                          
      
     Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation withing 
     next six billing cycles. For other states the fee is $27 for the first violation and $38 for each subsequent violation within 
     the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment Due, the fee will be equal to the 
     Minimum Payment Due. 
      
     Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important 
     protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
     the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
     with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
     fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
     charged (other than certain participation fees for a credit card account). 
      
     If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
     penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
     members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users 
     call 1-800-659-5495). 
      
     Doing business in South Dakota as Bank of the West California. 
      
      
                                  
                                                   CREDIT CARD AGREEMENT  
                                                (Wealth Management World Elite TM  MasterCard �  Credit Card) 
                                            
    The terms of the Bank of the West Wealth Management  at any time. For security reasons, we may limit the number 
    World Elite  MasterCard Credit Card are available to the  or amount of transactions that may be accomplished with 
    Bank�s Wealth Management clients.       your Card or Credit Card account, and we have the right to 
                                            limit authorizations to make transactions if we consider it 
    By requesting or accepting any Wealth Management World  necessary to verify Payments received on your Credit Card 
    Elite  MasterCard  Credit  Card  account  (individually  or  account.  If we accept a payment from you in excess of your 
    collectively called �Credit Card account� or �Account�) with  outstanding balance, your available Credit Limit will not be 
    Bank of the West, you agree to be bound by all the terms of  increased by the amount of the overpayment nor will we be 
    this Agreement. In this Agreement, the words �you� or �your�  required to authorize transactions for an amount in excess of 
    mean everyone who has requested or accepted a Credit  your Credit Limit. 
    Card account with us. The words �we,� �us,� �our,� or �Bank�  3. Temporary  Reduction  of  Credit  Limit.   Some 
    mean Bank of the West.  If you do not accept this Agreement,  merchants (for example, car rental companies and hotels) 
    you must notify us in writing within 5 days after receipt.  Use  may request prior credit approval from us for an estimated 
    of your card or any feature (including a balance transfer) of  amount of your Purchases, even if you ultimately do not pay 
    your Credit Card Agreement shall constitute acceptance of  by credit. If our approval is granted, your available Credit 
    this Agreement.                         Limit will temporarily be reduced by the amount authorized 
     1. Use. Your Wealth Management World Elite MasterCard  by us. If you do not ultimately use your Credit Card account 
    Credit Card (individually or collectively called �Card�) may be  to  pay  for  your  Purchases  or  if  the  actual  amount  of 
    used as a credit card for purchases of goods or services from  Purchases posted to your Credit Card account varies from 
    participating  merchants  (�Purchases�)  or  to  get  Cash  the estimated amount approved by us, it is the responsibility 
    Advances from us or any other financial institution displaying  of the merchant, not us, to cancel the prior credit approval 
    the �MasterCard� logo, or to purchase certain items such as  based on the estimated amount. The failure of the merchant 
    traveler's  cheques,  foreign  currency,  money  orders,  wire  to cancel a prior credit approval may result in a temporary 
    transfers, lottery tickets, and (except as noted below) funds  reduction of your available Credit Limit, but will not increase 
    to  be  used  for  wagers  or  gambling  (all  of  which  are  the amount you owe us under this Agreement. 
    collectively referred to as �Cash Advances�) up to your Credit  4. Agreement to Pay. When you use your Card or Credit 
    Limit; provided, however, you may not use your Card (i) to  Card account, or when you permit anyone to use it, you agree 
    make Purchases or obtain Cash Advances for any illegal  to pay the amount of any and all transactions (including any 
    transaction,  or  (ii)  for  any  internet  or  online  gambling  which may have been made in violation of this Agreement), 
    transactions. Transactions for online or internet gambling will  and the INTEREST CHARGES and fees that may become 
    not be approved.  If you use your Card for any illegal or  due as shown on the periodic statement. You agree that we 
    prohibited transaction, this Agreement also applies to such  may change or cancel your Credit Card Account at any time 
    transaction and you agree to pay any and all amounts related  without affecting your obligation to pay the amounts that you 
    to such transaction pursuant to the terms of this Agreement.  owe under this Agreement.  
    We may, in our sole discretion, restrict the use of or terminate  5. Periodic Statement. Each month we will send you a 
    your Card if we notice excessive use of your Card or other  periodic statement for each Credit Card account you have 
    suspicious activities or if we reasonably believe the Card is  with us covering the previous billing period. We may not send 
    or  has  been  used  for  one  or  more  illegal  or  prohibited  you a statement if your balance is less than $1 and there 
    transactions. You can also obtain a Cash Advance by writing  were no transactions during the billing period. The statement 
    a special MasterCard check (�Convenience Check�). The  will have a �Statement Period Date�, �Statement Closing 
    Cash Advance will be posted to your Credit Card account  Date� and a �Payment Due Date,� and will show, among other 
    when  the  Convenience  Check  reaches  us.  If  you  stop  things, your �Previous Balance,� your �New Balance,� and 
    payment on a Convenience Check, your Credit Card account  your minimum monthly payment, which will be shown as 
    will be charged $16.00 (or as permitted by law) for each stop  �Minimum Payment Due.� 
    payment. We may designate that only a portion of your Credit  6. Payment. You must make a payment by the �Payment 
    Limit is available for Cash Advances.  In addition, you may  Due Date.� You have two choices: You may pay the entire 
    request  that  we  pay  other  creditors  on  your  behalf  and  �New Balance� or you may pay in installments by paying at 
    transfer  approved  amounts  to  your  Account  (�Balance  least the �Minimum Payment Due.� When your payment is 
    Transfers�).                            properly received, we will allocate your payment in a manner 
     Your Card may also be used in certain automated terminals  we determine except as otherwise required by law.  The 
    to gain access to your Credit Card accounts. We have no  Minimum Payment is applied first to fees, then to INTEREST 
    responsibility  for  the  failure  of  any  machine,  merchant,  CHARGES and finally to principal. We apply the Minimum 
    financial institution, or any other party to honor your Card.  Payment to balances with lower APRs, including introductory 
    Your Card and Credit Card account may be used only for  APRs, before balances with higher APRs. Payments made in 
    valid and lawful purposes. If you use or allow someone else  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    to use the Card or Credit Card account for any other purpose,  balances with the highest Annual Percentage Rate and then 
    you will be responsible for such use and may be required to  to each successive balance bearing the next highest Annual 
    reimburse us for all amounts or expenses we pay as a result  Percentage Rate. 
    of such use.                               Payments  must  be  mailed  to  the  BankCard  Center 
     2. Credit Limit. We will notify you of the Credit Limit for  address specified in your periodic statement. Payments must 
    each Credit Card account you have with us. You agree that  reach our BankCard Center during our regular business day 
    your total charges, including Purchases, Cash Advances,  in order to be credited on that date.  Payments received after 
    Balance Transfers, INTEREST CHARGES, and fees that  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    may be due will not exceed your Credit Limit. If you do go  following business day. If you make payment by any means 
    over your Credit Limit, you must repay the excess amount  other than mail to our BankCard Center crediting of the 
    immediately, and we may reduce the available Credit Limit of  payment  may  be  delayed.   If  you  fail  to  properly  make 
    any other Credit Card account you have with us until such  payments, crediting such payments may be delayed.  Your 
    time  the  excess  amount  is  repaid.    You  may  apply  to  total available credit may not be restored for up to 15 days 
    increase  your  Credit  Limit  at  any  time  but  we  are  not  after we receive your payment.   
    obligated  to  increase  your  Credit  Limit  at  any  time.  If a payment is returned to us for any reason, we may apply 
    Furthermore, we reserve the right to lower your Credit Limit  a Returned Payment Fee of $27 for the first violation and $38 
          
    BW-WECCAG (Rev. 07/2018) 
      
    for  each  subsequent  violation  within  the  next  six  billing  introductory period and ANNUAL PERCENTAGE RATES 
    cycles. The Returned Payment Fee for Iowa residents is $27  associated with your account. 
    for the first violation and $30 for the subsequent violation  d. Variable Rate. The current ANNUAL PERCENTAGE 
    within the next six billing cycles.  If the Returned Payment  RATE for all variable rates is shown on the Account Opening 
    Fee is greater than the Minimum Payment Due, the fee will  Disclosure  which  has  been  provided  to  you  with  this 
    be equal to the Minimum Payment Due.    Agreement. The Daily Periodic Rate and the corresponding 
       From time to time, we may let you skip or reduce one or  ANNUAL PERCENTAGE RATE may change each month on 
     more  monthly  payments  during  a  year  and/or  we  may  the first day of each of your billing cycles. Each date on which 
     temporarily  reduce  or  eliminate  certain  INTEREST  the rate of interest could change is called a �Change Date.� 
     CHARGES on all or a portion of your Credit Card account  Changes will be based on changes in the �Index.� The Index 
     balance or offer you other special terms. If we do, we will  is the Prime Rate published in the �Money Rates� table of The 
     advise you of the scope and duration of the applicable skip  Wall  Street  Journal  on  the  business  day  immediately 
     or promotional feature. When the skip or promotional feature  preceding the day your billing cycle ends. If the Index is no 
     ends, your regular rates and all the terms of the Agreement  longer available, we will choose a new index which is based 
     will resume.                           upon comparable information and will give you notice of our 
      7. Minimum Payment- Late Payment Fee. At least the  choice. The ANNUAL PERCENTAGE RATE may increase or 
     amount of the �Minimum Payment Due� must be received by  decrease each month if the Index changes. Any new rate will 
     us by the �Payment Due Date.� If it is not, we may apply a  be applied as of the first day of your billing cycle during which 
     Late Payment fee of $27 for the first violation and $38 for  the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
     each subsequent violation within the next six billing cycles.   RATE increases, you will pay a higher INTEREST CHARGE, 
     The Late Payment fee for Iowa residents is $27 for the first  which may result in a higher minimum payment.  
     violation and $30 for the subsequent violation within the next    Your interest rate for Purchases (after the Introductory 
     six billing cycles.  If the Late Payment fee is greater than the  Period) and Balance Transfers on your Wealth Management 
                                             World Elite MasterCard Account is based on a variable rate 
     Minimum Payment Due, the fee will be equal to the Minimum 
     Payment Due.  If such charge would result in an INTEREST  equal to the sum of the Index plus a �Rate Spread� of 3.90 
     CHARGE greater than the maximum allowed by law, we will  percentage points. The interest rate for Cash Advances on 
     only charge the maximum allowable rate.  Your Minimum  your Account is based on a variable rate equal to the sum of 
     Payment Due will be 3% of the New Balance plus any Late  the Index plus a �Rate Spread� of 21.74 percentage points.  
     Payment fee (with a minimum of the lesser of $27 or your  Immediately before each Change Date we will determine the 
     New Balance) and any amount over your credit limit and past  new interest rate by adding the Rate Spread to the Index.  
     due amount.                             The new interest rate will become effective at the start of your 
                                             first billing cycle after the Change Date. Only one ANNUAL 
      8. How to Avoid Paying Interest on Purchases. There 
                                             PERCENTAGE RATE and Daily Periodic Rate will be in 
     may be  different treatment of INTEREST CHARGES for 
                                             effect for each Balance Category during the billing period. 
     Purchases, Balance Transfers, and Cash Advances, even 
                                             The ANNUAL PERCENTAGE RATE  will not exceed the 
     though they are computed the same way. You may avoid 
                                             maximum rate permitted by law. The effect of any increase in 
     paying an INTEREST CHARGE on Purchases if we receive 
                                             the Annual Percentage Rate ANNUAL PERCENTAGE RATE 
     the entire New Balance by the Payment Due Date.  If we do 
                                             and the Daily Periodic Rate would be to increase the amount 
     not receive the entire New Balance by the Payment Due 
                                             of INTEREST CHARGE or interest you must pay and thus 
     Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             increase your monthly payments. 
     Purchases  from  the  date  of  the  transaction.  INTEREST 
                                             10.  Transaction Fees. You also agree to pay us the 
     CHARGES on all other balances, including Cash Advances 
                                            appropriate fees listed below (as permitted by applicable law) 
     and Balance Transfers, begin on the transaction date and will 
                                            which  may  be  amended  from  time  to  time  by  us.  You 
     be assessed even if your entire New Balance is paid by the 
                                            authorize us to charge your Credit Card account for the 
     Payment Due Date. 
                                            following fees due to us. Balance Transfer fee:4.00% of each 
      9. Computing Your INTEREST CHARGE. We figure the 
                                            balance  transferred,  $10  minimum.  Cash  Advance  fee: 
     INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                            4.00% of each Cash Advance, $10 minimum.  
     applying the periodic rate to the �Average Daily Balance� of 
                                             11.  Foreign Transactions. Transactions that you make in 
     each Balance Category on the Credit Card account, including 
                                             a foreign currency or that you make outside of the United 
     current transactions. Balance Categories include Purchases, 
                                             States of America even if it is made in U.S. dollars are 
     Balance Transfers, Cash Advances, Introductory Rates and 
                                             considered foreign transactions.  If you make a transaction in 
     any special rate offers we may make available from time to 
                                             a foreign currency it will be billed to you in U.S. Dollars. The 
     time.  If you are charged interest, the charge will be no less 
                                             conversion  rate  to  U.S.  Dollars  will  be  determined  by 
     than  $1.00  (the  minimum  interest  charge  will  appear  as 
                                             MasterCard International in accordance with their operating 
     �Minimum Charge� in the fees section of your statement).  
                                             regulations or conversion procedures in effect at the time the 
       a. Average Daily Balance. To obtain the daily balance 
                                             transaction is processed.  Currently, their regulations and 
     for each Balance Category we take the beginning balance 
                                             procedures provide that the currency conversion rate they 
     each  day  and  add  new  transactions  applicable  to  each 
                                             use  is  either  (1)  a  government-mandated  rate  or  (2)  a 
     category, and subtract any payments, credits, and refunds 
                                             wholesale market rate, whichever is applicable, in effect one 
     applied  to  the  category.   To  figure  your  Average  Daily 
                                             day prior to the processing date. We do not determine the 
     Balance for each Balance Category, we add all your daily 
                                             currency conversion rate which is used.  You agree to pay 
     balances and divide by the number of days in the billing 
                                             the converted amount in U.S. funds.  
     period. 
                                              12. Annual Membership Fee. The Wealth Management 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             World Elite MasterCard Credit Card is subject to an Annual 
     INTEREST  CHARGE  for  each  Balance  Category  by 
                                             Membership Fee of $295. The Annual Membership Fee will 
     multiplying these Average Daily Balances by the applicable 
                                             be assessed in the first billing cycle after Account opening 
     Daily Periodic Rate, and then we multiply the result by the 
                                             and annually thereafter. A credit in the amount of the Annual 
     number of days in the billing period. To determine the Daily 
                                             Membership Fee (the �AMF Credit�) for the first year will 
     Periodic Rate for each Balance Category, we divide the 
                                             appear on your first billing statement. No later than the first 
     applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             business day of the last month of the quarter preceding the 
     billing period by 365 (366 for leap year). The way we get the 
                                             annual anniversary of the Account�s opening date (Annual 
     ANNUAL PERCENTAGE RATE for each Balance Category 
                                             Fee Determination Date), the Bank will determine whether or 
     is described below under �Fixed Rate� and �Variable Rate.� 
                                             not to apply the AMF Credit by evaluating your month-end 
       c. Fixed Rate. For the Introductory Period your interest 
                                             Eligible Qualified Balances for the prior 3 consecutive months 
     rate for Purchases on your Account is equal to 0.00% APR; 
                                             selected by the Bank. The AMF Credit will be applied if you 
     thereafter, your regular ANNUAL PERCENTAGE RATE for 
                                             maintain month-end Eligible Qualified Balances of $250,000 
     Purchases will apply. Introductory ANNUAL PERCENTAGE 
                                             or more, as calculated by the Bank, in any one of the prior 3 
     RATES for Balance Transfers or Cash Advances may vary. 
                                             consecutive months used to evaluate eligibility.  If you do not 
     Please refer to your Account Opening Disclosures for specific 
                                             qualify for the AMF Credit, within 90 days of the fee being 
          
    BW-WECCAG (Rev. 07/2018) 
      
    charged, you can increase your Eligible Qualified Balances    (2) Any  other  automated  teller  machine  that  is 
    or close your Account and request to have the AMF Credit  participating in a network and accepts our Card (�Network 
    applied retroactively.                  ATM�) and 
      The  term  �Eligible  Qualified  Balances�  used  in  this    (3) Any point-of-sale terminal that accepts our Card 
     Agreement  means  and  shall  include  (i)  deposits  and  (�POS terminal�). 
     investments  maintained  with  the  Bank,  including  those  b. Services Available at an Automated Terminal 
     maintained with the Bank�s Investment Management or Trust    (1) You may use your Card at a Bank of the West or 
     Services departments, and (ii) investment balances with the  any Network ATM to: 
     Bank�s affiliate, BancWest Investment Services, Inc. Eligible     (a) Get a Cash Advance from your Credit Card 
     Qualified Balances may be owned by you directly, or held in  account. 
     any trust controlled by you as settlor and trustee. Deposits or     (b) Get your Credit Card account balances. These 
     investments held by business entities that are wholly-owned  balances may not include some transactions recently made 
     and controlled by you may also be included. Eligible Qualified  in your Credit Card account. Some of the services described 
     Balances do not include any account prohibited by law or  in subparagraphs (a) and (b) may not be available at all 
     which the inclusion of may result in a breach of any fiduciary  Network ATMs. 
     duty, law or regulation, including the Employee Retirement     (c) You may use your Card at a POS terminal to 
     Income Security Act of 1974 (�ERISA�).  purchase certain merchandise. The amount of your purchase 
                                            will automatically be charged to your Credit Card account as 
      13.  Other Fees. As allowed by law, we may charge, and 
                                            a Purchase. 
     you agree to pay, fees for certain services or requests made 
                                               c. Limits  of  Automated  Terminal  Services  -  Cash 
     by you, such as but not limited to: Automated Teller Machine 
                                            Advances. You may get a Cash Advance from a Bank of the 
     (�ATM�) transactions conducted at machines not operated by 
                                            West Automated Terminal up to an aggregate amount of 
     us, requests for copies of billing statements, sales drafts, or 
                                            $1,000 each calendar day, provided that this amount does 
     other  records  of  your  Account,  or  if  you  request  a 
                                            not exceed your Credit Limit. This amount may be less for 
     replacement card(s).  However, we will not charge fees for 
                                            Cash Advances from Network ATMs. 
     copies of documents requested for a billing dispute.  These 
                                               d. Card  and  Secret  Code  (PIN)  Use.  You  are 
     fees may change from time to time.  We will inform you of the 
                                            responsible for all transactions in which you use your Card in 
     fee(s)  that  you  will  incur  prior  to  when  the  applicable 
                                            an automated terminal, or the use of the Card by anyone else 
     service(s) is(are) provided or when you make the request(s), 
                                            who uses it with your permission. Security in use of the Card 
     as applicable. You authorize us to charge your Credit Card 
                                            is provided by the secret code, which we will provide you, and 
     account for any such fees that you incur. We reserve the right 
                                            the  magnetically  encoded  stripe  on  the  Card.  You  are 
     to waive a fee from time to time but a waiver does not mean 
                                            responsible for keeping the Card safe and also for protecting 
     we will continue to waive such fee in the future. 
                                            the secret code. Use the Card and the secret code only as 
      14.  Interest  Charges  for  Covered  Members  of  the 
                                            instructed at all times. Please notify us of any mechanical or 
     Armed  Forces  and  Their  Dependents:  Federal  law 
                                            operating failure in connection with the use of your Card. Do 
     provides important protections to members of the Armed 
                                            not permit anyone else to use your Card and do not disclose 
     Forces  and  their  dependents  relating  to  extensions  of 
                                            your secret code or record it on the Card. The Card remains 
     consumer credit. In general, the cost of consumer credit to a 
                                            the  property  of  the  Bank  and  can  be  revoked  and 
     member of the Armed Forces and his or her dependent may 
                                            repossessed at any time. You must return it to us when 
     not exceed an annual percentage rate of 36%. This rate must 
                                            asked. 
     include, as applicable to the credit transaction or account: the 
                                               e. Fees for Using Automated Terminal Services. Fees 
     costs associated with credit insurance premiums; fees for 
                                            may be charged for transactions made at automated teller 
     ancillary  products  sold  in  connection  with  the  credit 
                                            machines not operated by us as described in paragraph 13-
     transaction; any application fee charged (other than certain 
                                            Other Fees. 
     application fees for specified credit transactions or accounts); 
                                              17.  Lost  or  Stolen  Card;  Your  Liability  for 
     and  any  participation  fee  charged  (other  than  certain 
                                            Unauthorized Use. Tell us AT ONCE if you believe your 
     participation fees for a credit card account). 
                                            Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a 
                                            keeping your possible losses down. 
     dependent, you will not be charged annual fees, transaction 
                                               You may be liable for the unauthorized use of your Card 
     fees, or penalty fees so that your cost may not exceed the 
                                            as a credit card. You will not be liable for unauthorized use of 
     Military  Lending  Act  annual  percentage  rate  cap. Armed 
                                            your Card as a credit card which occurs after you notify us at 
     Forces members and their dependents can hear about the 
                                            the telephone number or address stated in paragraph 18 
     protections provided to them by calling 1-866-761-2689 (TTY 
                                            orally or in writing, of loss, theft, or possible unauthorized 
     users call 1-800-659-5495). 
                                            use. In any case, your liability for unauthorized use of your 
      15.  Default. We may declare the entire balance for all 
                                            Card as a credit card will not exceed $50.00. 
     Credit Card accounts due and payable at once with or without 
                                             18.  Where to Call or Write. If you believe your Card has 
     notice  or  demand  if  any  of  these  events  (a  �Default�) 
                                            been lost or stolen or that someone is using your Card or 
     happens: 
                                            Credit Card account without your permission, call: 1-866-
       a. If you miss a payment under this Agreement or any 
                                            218-4959 (for TTY all 1-800-659-5495) or write to: Bank of 
     other obligation you owe us; or 
                                            the West, BankCard Security Department, PO Box 2078, 
       b. If you violate any terms of this Agreement. 
                                            Omaha, NE 68103-2078.  
      If you are in Default, we may terminate your Credit Card 
                                             19.  Our Business Days. Our business days are Monday 
     account, make no more additional loans, and require you to  
                                            through Friday, except for bank holidays. 
     immediately repay the entire unpaid balance of all amounts 
                                             20.  Credit Investigation and Disclosure. You authorize 
     due on your Credit Card account, including but not limited to 
                                            us, both now and in the future, to check your credit and 
     all loan amounts, late charges and other charges assessed 
                                            employment history and to release information about our 
     but not paid, and all of the INTEREST CHARGES accrued 
                                            credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your 
                                            inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would 
                                            have reported inaccurate information about you to a credit 
     continue.  
                                            bureau, please call us at 1-866-218-4959 (for TTY call 1-800-
      At our option, we may also take action short of terminating 
                                            659-5495). 
    your Credit Card account. If we take such lesser action 
                                             21.  Security  Interest.  We  have  no  security  for  any 
    initially, we reserve the right to terminate your Credit Card 
                                            amounts which become due under this Agreement, even 
    account  and  accelerate  all  amounts  due  under  this 
                                            though any other agreement you may have with us, such as 
    Agreement regardless of whether any additional events have 
                                            a mortgage, may provide for such a security interest, unless 
    occurred which would permit termination and acceleration.  
                                            you have given us a specific security interest in connection 
      16.  Automated Terminal Services 
                                            with this Agreement, which is described on the Supplement 
       a. Automated Terminals. You may use your Card in the 
                                            attached to this Agreement. 
     following automated terminals: 
          (1) Any Bank of the West automated teller machines. 
          
    BW-WECCAG (Rev. 07/2018) 
      
     22.  Collection. You promise to pay all collection costs,  26.  Canceling this Agreement.  We have the right to 
    including, without limitation, mailgram charges, reasonable  cancel this Agreement at any time by sending a notice to any 
    lawyers� fees and court costs, as permitted by law.  one of you in writing. You also have the same right to cancel 
     23.  If There are More Than One of You. Each of you  this Agreement at any time by sending us a notice in writing 
    individually, or all of you together, will be liable under this  or calling the BankCard Center at 1-866-218-4959 (for TTY 
    Agreement. We may collect from or sue any one of you, or  call 1-800-659-5495). If this Agreement is canceled by you or 
    make any settlements or extensions with any one of you,  us, your obligation is to repay amounts you already owe 
    without giving up our rights against the other. You understand  under this Agreement.  In either case, the account will be 
    that  any  one  of  you  can  make  Purchases,  get  Cash  closed and you will no longer have access to the account. 
    Advances,  or  perform  Balance  Transfers  under  this  27.  Governing Law. This Agreement will be governed by 
    Agreement which will be binding upon all of you.  the laws of the State of Nebraska, and, as applicable, federal 
     24.  No Waiver of Rights. If we choose to waive any of the  law, regardless of where the transactions are made. 
    terms or conditions of this Agreement on a case-by-case  28.  Monitoring/Recording  Telephone  Calls.  Our 
    basis, such as by not declaring the entire balance due when  supervisory  personnel  may  listen  to  and  record  your 
    the minimum monthly payment has not been made on time,  telephone calls to us for  the  purpose of monitoring and 
    it does not mean that we have waived, or given up, our right  improving the quality of service you receive. 
    to  exercise  any  of  our  rights  or  remedies  under  this  29.  Severability.  All other provisions of this Agreement 
    Agreement in the future. We are not required to use any  shall remain in full force even if one or more provisions of this 
    particular  kind  of  demand  or  notice  in  order  to  collect  Agreement are held invalid, illegal, void or unenforceable by 
    amounts due to us under this Agreement. No indulgence or  any rule or law, administrative order or judicial decision. 
    acceptance by us of delinquent or partial payments constitute   30. Our Communications with You 
    a waiver of our rights or of any provision of this Agreement.  You  agree  that  we,  any  of  our  affiliates,  agents, 
    No waiver of any existing default shall be deemed to waive  independent contractors or service providers may monitor 
    any subsequent default.                 and record telephone calls regarding your banking services 
     25.  Changing Terms.  We can change, add to, delete or  to assure the quality of our service or for other reasons. You 
    otherwise modify the terms of this Agreement at any time in  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
    any way permitted by law. We will send you a notice of  independent  contractors  or  service  providers  may  use 
    change at least 45 days (or as required by applicable law)  written, electronic, or verbal means, or  any other medium, 
    before the effective date of the change. We do not have to  as permitted by law and including, but not limited to, mail and 
    send you an advance notice of the change if it favors you,  facsimile, to contact you. Your consent includes, but is not 
    such as by reducing rates, or increasing the maximum credit  limited to, contact by manual calling methods, prerecorded or 
    limit.  Except in cases where we are changing terms due to  artificial  voice  messages,  text  messages,  e-mails  and/or 
    the Minimum Payment Due not being received within 60 days  automatic telephone dialing systems. You agree that we, any 
    of the Payment Due Date, you agree that the change may  of our affiliates, agents, independent contractors or service 
    cover all transactions made 15 days after we mail the notice.  providers  may  contact  you  by  using  any  e-mail  or  any 
    If you do not agree to the change, a method for rejecting the  telephone  number  you  provide,  including  a  telephone 
    change  and  closing  the  account  will  be  provided  in  the  number  for  a  cellular  phone  or  other  wireless  device, 
    Change of Terms Notice.   You agree that if you use your  regardless of whether you incur any charges as a result.   
    card after the effective date of the change, this will constitute   
    your agreement with the change.           
                                   YOUR BILLING RIGHTS 
                                Keep This Notice for Future Use 
               This notice contains important information about your rights and our responsibilities  
                                 under the Fair Credit Billing Act 
                                           .
     What To Do If You Find a Mistake on Your Statement  �  We cannot try to collect the amount in question, or 
     If you think there is an error on your statement, write to us at:   report you as delinquent on that amount. 
       Bank of the West                        �  The charge in question may remain on your 
        BankCard Customer Service Department     statement, and we may continue to charge you 
        PO Box 2319                              interest on that amount. 
        Omaha, NE 68172-9793                   �  While you do not have to pay the amount in 
     In your letter, give us the following information:  question, you are responsible for the remainder of 
       �  Account information: Your name and account  your balance. 
         number.                               �  We can apply any unpaid amount against your 
       �  Dollar amount: The dollar amount of the suspected  credit limit. 
         error.                             After we finish our investigation, one of two things will 
       �  Description of problem: If you think there is an error  happen: 
         on your bill, describe what you believe is wrong and  �  If we made a mistake: You will not have to pay the 
         why you believe it is a mistake.        amount in question or any interest or other fees 
     You must contact us:                        related to that amount. 
       �  Within 60 days after the error appeared on your  �  If we do not believe there was a mistake: You will 
         statement.                              have to pay the amount in question, along with 
       �  At least 3 business days before an automated  applicable interest and fees.  We will send you a 
         payment is scheduled, if you want to stop payment  statement of the amount you owe and the date 
         on the amount you think is wrong.       payment is due.  We may then report you as 
     You must notify us of any potential errors in writing.  You may  delinquent if you do not pay the amount we think 
     call us, but if you do we are not required to investigate any  you owe. 
     potential errors and you may have to pay the amount in  If you receive our explanation but still believe your bill is 
     question.                              wrong, 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 
     What Will Happen After We Receive Your Letter  delinquent without also reporting that you are questioning 
     When we receive your letter, we must do two things:  your bill.  We must tell you the name of anyone to whom we 
     1.  Within 30 days of receiving your letter, we must tell you  reported  you  as  delinquent,  and  we  must  let  those 
       that we received your letter.  We will also tell you if we  organizations  know  when  the  matter  has  been  settled 
       have already corrected the error.     between us. 
     2.  Within 90 days of receiving your letter, we must either  If we do not follow all of the rules above, you do not have to 
       correct the error or explain to you why we believe the bill  pay the first $50 of the amount you question even if your bill 
       is correct.  While we investigate whether or not there  is correct. 
       has been an error: 
          
    BW-WECCAG (Rev. 07/2018) 
      
     
    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 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 home 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  own  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 writing at: 
        
        
       Bank of the West  
       BankCard Customer Service Department 
        PO Box 2319  
        Omaha, NE 68172-9793 
      
      While we investigate, the same rules apply to the disputed 
     amount  as  discussed  above.   After  we  finish  our 
     investigation, we will tell you our decision.  At that point, if we 
     think you owe an amount and you do not pay, we may report 
     you as delinquent. 
      
     NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
     Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services  obtained  pursuant  hereto  or  with  the  proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
      
          
    BW-WECCAG (Rev. 07/2018) 
      
                                                                         
                    Interest Rates, Interest Charges, and Fees � Secured Credit Card 
      Interest Rates and Interest Charges 
      Annual Percentage Rate 
                           22.99% 
      (APR) for Purchases 
                            This APR will vary with the market based on the Prime Rate. 
      APR for Balance Transfers  22.99% 
                           
                            This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances  26.99% 
                           
                            This APR will vary with the market based on the Prime Rate. 
      Penalty APR and When it    None 
      Applies 
      Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not 
                           charge you any interest on purchases if you pay your entire balance by the due date 
                           each month. We will begin charging interest on cash advances and balance transfers 
                           on the transaction date. 
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
      the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at  
      Protection Bureau    http://www.consumerfinance.gov/learnmore/. 
      
      Fees 
      Annual Fee           $25 
      Transaction Fees     
                           
         �  Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater. 
                           
         �  Cash Advance   Either $10 or 4% of the amount of each cash advance, whichever is greater. 
                           
         �  Foreign Transaction  3% of the U.S. Dollar amount of each such transaction. 
      Penalty Fees         
                           
         �  Late Payment   Up to $38 (Varies by State. See next page for details.).  
      
         �  Returned Payment  Up to $38 (Varies by State. See next page for details.). 
      
      How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� 
      See your Secured Credit Card Agreement for more details. 
      
      Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
      Secured Credit Card Agreement. 
      
      Late Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within next 
      six billing cycles. For other states the fee is $27 for the first violation and $38 for each  subsequent violation within the 
      next six billing cycles. If the Late Payment fee is greater than the Minimum Payment Due,  the fee will be equal to the 
      Minimum Payment Due. 
      
      Returned Payment fee for Iowa residents is $27 for the first violation and $30 for each subsequent violation within 
      next six billing cycles. For other states the fee is $27 for the first violation and $38 for each  subsequent violation 
      within the next six billing cycles. If Returned Payment fee is greater than the Minimum Payment  Due, the fee will be 
      equal to the Minimum Payment Due. 
      
      SECURITY INTEREST: Information on the security interest you provided on the deposit account that secures your Credit 
      Card account is provided in your Secured Credit Card Agreement. 
      
       Continued on next page 
        
      
      
                                                                         
      Interest Charges for Covered Members of the Armed Forces and Their Dependents: Federal law provides important    
      protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
      the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
      percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated 
      with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application 
      fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
      charged (other than certain participation fees for a credit card account). 
      
      If you are a covered member of the armed forces or a dependent, you will not be charged annual fees, transaction fees, or 
      penalty fees so that your cost may not exceed the Military Lending Act annual percentage rate cap. Armed Forces 
      members and their dependents can hear about the protections provided to them by calling 1-866-761-2689 (TTY users call 
      1-800-659-5495). 
      
      Doing business in South Dakota as Bank of the West California.  
      
                                        SECURED CREDIT CARD AGREEMENT  
                                                                                                                  (Personal Accounts) 
                                            
                                    ?
     By requesting or accepting a Secured MasterCard    Credit  nor  will  we  be  required  to  authorize  transactions  for  an 
     Card   account (�Credit Card account� or �Account�) with Bank  amount in excess of your Credit Limit. 
     of the West, you agree to be bound by all the terms of this  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
     Agreement. In this Agreement, the words �you� or �your�  such as car rental companies and hotels, may request prior 
     mean everyone who has requested or accepted a Credit  credit approval from us for an estimated amount of your 
     Card account with us. The words �we,� �us,� �our,� or �Bank�  Purchases, even if you ultimately do not pay by credit. If our 
     mean Bank of the West.  If you do not accept this Agreement,  approval  is  granted,  your  available  Credit  Limit  will 
     you must notify us in writing within 5 days after receipt.  Use  temporarily be reduced by the amount authorized by us.  If 
     of your card or any feature (including a balance transfer) of  you do not ultimately use your Credit Card account to pay for 
     your Credit Card Agreement shall constitute acceptance of  your Purchases or if the actual amount of Purchases posted 
     this Agreement.                        to  your  Credit  Card  account  varies  from  the  estimated 
      1. Use. Your Credit Card account card (�Card�) may be  amount  approved  by  us,  it  is  the  responsibility  of  the 
     used as a credit card for purchases of goods or services from  merchant, not us, to cancel the prior credit approval based 
     participating  merchants  (�Purchases�)  or  to  get  Cash  on the estimated amount. The failure of the merchant to 
     Advances from us or any other financial institution displaying  cancel a prior credit approval may result in a temporary 
     the �MasterCard� logo, or to purchase certain items such as  reduction of your available Credit Limit, but will not increase 
     traveler's  cheques,  foreign  currency,  money  orders,  wire  the amount you owe us under this Agreement. 
     transfers, lottery tickets, and (except as noted below) funds  4. Agreement to Pay. When you use your Card or Credit 
     to  be  used  for  wagers  or  gambling  (all  of  which  are  Card account, or when you permit anyone to use it, you agree 
     collectively referred to as �Cash Advances�) up to your Credit  to pay the amount of any and all transactions (including any 
     Limit; provided, however, you may not use your Card (i) to  which may have been made in violation of this Agreement), 
     make Purchases or obtain Cash Advances for any illegal  and the INTEREST CHARGES, and fees that may become 
     transaction,  or  (ii)  for  any  internet  or  online  gambling  due as shown on the periodic statement. You agree that we 
     transactions.  Transactions for online or internet gambling will  may change or cancel your Credit Card Account at any time 
     not be approved.  If you use your Card for any illegal or  without affecting your obligation to pay the amounts that you 
     prohibited transaction, this Agreement also applies to such  owe under this Agreement.  
     transaction and you agree to pay any and all amounts related  5. Periodic Statement. Each month we will send you a 
     to such transaction pursuant to the terms of this Agreement.  periodic statement for each Credit Card account you have 
     We may, in our sole discretion, restrict the use of or terminate  with us covering the previous billing period. We may not send 
     your Card if we notice excessive use of your Card or other  you a statement if your balance is less than $1 and there 
     suspicious activities or if we reasonably believe the Card is  were no transactions during the billing period. The statement 
     or  has  been  used  for  one  or  more  illegal  or  prohibited  will have a �Statement Period Date�, �Statement Closing 
     transactions. You can also obtain a Cash Advance by writing  Date� and a �Payment Due Date,� and will show, among other 
     a special MasterCard check (�Convenience Check�).  The  things, your �Previous Balance,� your �New Balance,� and 
     Cash Advance will be posted to your Credit Card account  your minimum monthly payment, which will be shown as 
     when  the  Convenience  Check  reaches  us.  If  you  stop  �Minimum Payment Due.� 
     payment on a Convenience Check, your Credit Card account  6. Payment. You must make a payment by the �Payment 
     will be charged $16.00 (or as permitted by law) for each stop  Due Date.� You have two choices: You may pay the entire 
     payment. We may designate that only a portion of your Credit  �New Balance� or you may pay in installments by paying at 
     Limit is available for Cash Advances. In addition, you may  least the �Minimum Payment Due.� When your payment is 
     request  that  we  pay  other  creditors  on  your  behalf  and  properly received, we will allocate your payment in a manner 
     transfer  approved  amounts  to  your  Account  (�Balance  we determine except as otherwise required by law.  The 
     Transfers�).                           Minimum Payment is applied first to fees, then to INTEREST 
      Your Card may also be used in certain automated terminals  CHARGES and finally to principal. We apply the Minimum 
    to gain access to your Credit Card accounts. We have no  Payment to balances with lower APRs, including introductory 
    responsibility  for  the  failure  of  any  machine,  merchant,  APRs, before balances with higher APRs. Payments made in 
    financial institution, or any other party to honor your Card.  excess  of  the  Minimum  Payment  will  be  applied  first  to 
    Your Card and Credit Card account may be used only for  balances with the highest ANNUAL PERCENTAGE RATE 
    valid and lawful purposes. If you use or allow someone else  and  then  to  each  successive  balance  bearing  the  next 
    to use the Card or Credit Card account for any other purpose,  highest ANNUAL PERCENTAGE RATE.  
    you will be responsible for such use and may be required to    Payments  must  be  mailed  to  the  BankCard  Center 
    reimburse us for all amounts or expenses we pay as a result  address specified in your periodic statement. Payments must 
    of such use.                            reach our BankCard Center during our regular business day 
     2. Credit Limit.   Your Credit Limit for the  Credit Card  in order to be credited on that date.  Payments received after 
    account  you have with us will be based on the amount  the cutoff times of 5:00  p.m. PT are credited  as  of the 
    described in paragraph 20. You agree that your total charges,  following business day. If you make a payment by any means 
    including Purchases, Cash Advances, Balance Transfers,  other than mail to our BankCard Center crediting of the 
    INTEREST CHARGES, and fees that may be due will not  payment  may  be  delayed.   If  you  fail  to  properly  make 
    exceed your Credit Limit. If you do go over your Credit Limit,  payments, crediting such payments may be delayed. Your 
    you must repay the excess amount immediately, and we may  total available credit may not be restored for up to 15 days 
    reduce the available Credit Limit of any other Credit Card  after we receive your payment.    
    account you have with us until such time the excess amount    If a payment is returned to us for any reason, we may 
    is repaid.  You may apply to increase your Credit Limit at any  apply a Returned Payment Fee of $27 for the first violation 
    time but we are not obligated to increase your Credit Limit at  and $38 for each subsequent violation within the next six 
    any time. Furthermore, we reserve the right to lower your  billing cycles. The Returned Payment Fee for Iowa residents 
    Credit Limit at any time. For security reasons, we may limit  is $27 for the first violation and $30 for each subsequent 
    the  number  or  amount  of  transactions  that  may  be  violation within the next six billing cycles.  If the Returned 
    accomplished with your Card or Credit Card account, and we  Payment Fee is greater than the Minimum Payment Due, the 
    have the right to limit authorizations to make transactions if  fee will be equal to the Minimum Payment Due.  
    we consider it necessary to verify Payments received on your    From time to time, we may let you skip or reduce one or 
    Credit Card account.  If we accept a payment from you in  more  monthly  payments  during  a  year  and/or  we  may 
    excess of your outstanding balance, your available Credit  temporarily  reduce  or  eliminate  certain  INTEREST 
    Limit will not be increased by the amount of the overpayment  CHARGES on all or a portion of your Credit Card account 
                                            balance or offer you other special terms. If we do, we will 
    BW-SCCAG (Rev. 07/2018) 
     
      
    advise you of the scope and duration of the applicable skip  RATE increases, you will pay a higher INTEREST CHARGE, 
    or promotional feature. When the skip or promotional feature  which may result in a higher minimum payment.  
    ends, your regular rates and all the terms of the Agreement    Your interest rate for Purchases and Balance Transfers 
    will resume.                            on your Credit Card account is based on a variable rate equal 
     7. Minimum Payment- Late Payment Fee. At least the  to the sum of the Index  plus  a �Rate  Spread�  of 17.74 
     amount of the �Minimum Payment Due� must be received by  percentage points. The interest rate for Cash Advances on 
     us by the �Payment Due Date.� If it is not, we may apply a  your Account is based on a variable rate equal to the sum of 
     Late Payment fee of $27 for the first violation and $38 for  the Index plus a �Rate Spread� of 21.74 percentage points. 
     each subsequent violation within the next six billing cycles.   Immediately before each Change Date we will determine the 
     The Late Payment fee for Iowa residents is $27 for the first  new interest rate by adding the Rate Spread to the Index. 
     violation and $30 for each subsequent violation within the  The new interest rate will become effective at the start of your 
     next six billing cycles.  If the Late Payment fee is greater than  first billing cycle after the Change Date. Only one ANNUAL 
     the Minimum Payment Due, the fee will be equal to the  PERCENTAGE RATE and Daily Periodic Rate will be in 
     Minimum Payment Due.  If such charge would result in an  effect for each Balance Category during the billing period. 
     INTEREST CHARGE greater than the maximum allowed by  The ANNUAL PERCENTAGE RATE  will not exceed the 
     law, we will only charge the maximum allowable rate. Your  maximum rate permitted by law. The effect of any increase in 
     Minimum Payment Due will be 3% of the New Balance plus  the ANNUAL PERCENTAGE RATE and the Daily Periodic 
     any Late Payment fee (with a minimum of the lesser of $27  Rate  would  be  to  increase  the  amount  of  INTEREST 
     or your New Balance) and any amount over your credit limit  CHARGE or interest you must pay and thus increase your 
     and past due amount.                   monthly payments. 
                                             10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
      8. How to Avoid Paying Interest on Purchases. There 
                                            appropriate fees listed below (as permitted by applicable law) 
    may be  different treatment of INTEREST CHARGES for 
                                            which  may  be  amended  from  time  to  time  by  us.  You 
    Purchases, Balance Transfers, and Cash Advances, even 
                                            authorize us to charge your Credit Card account for the 
    though they are computed the same way. You may avoid 
                                            following fees due to us. Balance Transfer fee:4.00% of each 
    paying an INTEREST CHARGE on Purchases if we receive 
                                            balance  transferred,  $10  minimum.  Cash  Advance  fee: 
    the entire New Balance by the Payment Due Date. If we do 
                                            4.00% of each Cash Advance, $10 minimum.  
    not receive the entire New Balance by the Payment Due 
                                             11.  Foreign Transaction Fee. Transactions that you make 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             in a foreign currency or that you make outside of the United 
    Purchases  from  the  date  of  the  transaction.  INTEREST 
                                             States of America even if it is made in U.S. dollars are 
    CHARGES on all other balances, including Cash Advances 
                                             considered foreign transactions.  If you make a transaction in 
    and Balance Transfers, begin on the transaction date and will 
                                             a foreign currency it will be billed to you in U.S. Dollars. The 
    be assessed even if your entire New Balance is paid by the 
                                             conversion rate to U.S. Dollars will be determined by Visa 
    Payment Due Date. 
                                             International or MasterCard International in accordance with 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             their operating regulations or conversion procedures in effect 
    INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             at the time the transaction is processed. Currently, their 
    applying the periodic rate to the �Average Daily Balance� of 
                                             regulations  and  procedures  provide  that  the  currency 
    each Balance Category on the Credit Card account, including 
                                             conversion  rate  they  use  is  either  (1)  a  government-
    current transactions. Balance Categories include Purchases, 
                                             mandated rate or (2) a wholesale market rate, whichever is 
    Balance Transfers, Cash Advances, Introductory Rates and 
                                             applicable, in effect one day prior to the processing date. We 
    any special rate offers we may make available from time to 
                                             do not determine the currency conversion rate which is used.  
    time.  If you are charged interest, the charge will be no less 
                                             You agree to pay the converted amount in U.S. funds. In 
    than  $1.00  (the  minimum  interest  charge  will  appear  as 
                                             addition, Visa or MasterCard will charge us (the Bank) an 
    �Minimum Charge� in the fees section of your statement).  
                                             international transaction fee, currently equal to one percent 
       a. Average Daily Balance.  To obtain the daily balance 
                                             (1.00%) of the transaction amount. We will charge you the 
    for each Balance Category we take the beginning balance 
                                             international transaction fee imposed on us plus an additional 
    each  day  and  add  new  transactions  applicable  to  each 
                                             two percent (2.00%) of the transaction amount whether that 
    category, and subtract any payments, credits, and refunds 
                                             transaction was originally made in U.S. dollars or was made 
    applied  to  the  category.   To  figure  your  Average  Daily 
                                             in another currency and converted to U.S. dollars.  These two 
    Balance for each Balance Category, we add all your daily 
                                             fees  will  be  aggregated  and  shown  as  one  Foreign 
    balances and divide by the number of days in the billing 
                                             Transaction Fee on your statement. 
    period. 
                                              12. Annual Fee. We will assess an Annual Cardholder Fee 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             of $25 for each year your account is open, whether or not you 
    INTEREST  CHARGE  for  each  Balance  Category  by 
                                             use your account and regardless of the number of cards 
     multiplying the Average Daily Balances by the applicable 
                                             issued  on  your  account.  You  can  avoid  the  Annual 
    Daily Periodic Rate, and then we multiply the result by the 
                                             Cardholder Fee if you terminate your Account within 30 days 
    number of days in the billing period. To determine the Daily 
                                             after the date of the periodic statement in which the Annual 
    Periodic Rate for each Balance Category, we divide the 
                                             cardholder fee is posted. Otherwise, the Annual Cardholder 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             fee will not be refunded in whole or in part and shall be owed 
    billing period by 365 (366 for leap year). The way we get the 
                                             to us by you even if your account is subsequently changed, 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             suspended, closed or terminated for any reason. 
    described below under �Variable Rate.� 
                                              13.  Other Fees. As allowed by law, we may charge, and 
      c. Variable Rate. The current ANNUAL PERCENTAGE 
                                             you agree to pay, fees for certain services or requests made 
     RATE for all variable rates is shown on the Account Opening 
                                             by you, such as but not limited to: Automated Teller Machine 
     Disclosure  which  has  been  provided  to  you  with  this 
                                             (�ATM�) transactions conducted at machines not operated by 
     Agreement. The Daily Periodic Rate and the corresponding 
                                             us, requests for copies of billing statements, sales drafts, or 
     ANNUAL PERCENTAGE RATE may change each month on 
                                             other  records  of  your  Account,  or  if  you  request  a 
     the first day of each of your billing cycles. Each date on which 
                                             replacement card(s).  However, we will not charge fees for 
     the rate of interest could change is called a �Change Date.� 
                                             copies of documents requested for a billing dispute.  These 
     Changes will be based on changes in the �Index.� The Index 
                                             fees may change from time to time.  We will inform you of the 
     is the Prime Rate published in the �Money Rates� table of The 
                                             fee(s)  that  you  will  incur  prior  to  when  the  applicable 
     Wall  Street  Journal  on  the  business  day  immediately 
                                             service(s) is(are) provided or when you make the request(s), 
     preceding the day your billing cycle ends. If the Index is no 
                                             as applicable. You authorize us to charge your Credit Card 
     longer available, we will choose a new index which is based 
                                             account for any such fees that you incur. We reserve the right 
     upon comparable information and will give you notice of our 
                                             to waive a fee from time to time but a waiver does not mean 
     choice. The ANNUAL PERCENTAGE RATE may increase or 
                                             we will continue to waive such fee in the future.  
     decrease each month if the Index changes. Any new rate will 
                                               14. Interest Charges for Covered Members of the 
     be applied as of the first day of your billing cycle during which 
                                            Armed  Forces  and  Their  Dependents:  Federal  law 
     the  Index  has  changed.  If  the  ANNUAL  PERCENTAGE 
                                            provides important protections to members of the Armed 
    BW-SCCAG (Rev. 07/2018) 
     
      
    Forces  and  their  dependents  relating  to  extensions  of  Card and do not disclose your secret code or record it on the 
    consumer credit. In general, the cost of consumer credit to a  Card. The Card remains the property of the Bank and can be 
    member of the Armed Forces and his or her dependent may  revoked and repossessed at any time. You must return it to 
    not exceed an ANNUAL PERCENTAGE RATE of 36%. This  us when asked. 
    rate must include, as applicable to the credit transaction or  e. Fees for Using Automated Terminal Services. Fees 
    account:  the  costs  associated  with  credit  insurance  may be charged for transactions made at automated teller 
    premiums; fees for ancillary products sold in connection with  machines not operated by us as described in paragraph 12-
    the credit transaction; any application fee charged (other than  Other Fees. 
    certain application fees for specified credit transactions or  17.  Lost  or  Stolen  Card;  Your  Liability  for 
    accounts); and any participation fee charged (other than  Unauthorized Use. Tell us AT ONCE if you believe your 
    certain participation fees for a credit card account).  Card has been lost or stolen. Telephoning is the best way of 
       If you are a covered member of the armed forces or a  keeping your possible losses down. 
    dependent, you will not be charged annual fees, transaction  You may be liable for the unauthorized use of your Card 
    fees, or penalty fees so that your cost may not exceed the  as a credit card. You will not be liable for unauthorized use of 
    Military Lending Act ANNUAL PERCENTAGE RATE cap.  your Card as a credit card which occurs after you notify us at 
    Armed  Forces  members  and  their  dependents  can  hear  the telephone number or address stated in paragraph 18, 
    about the protections provided to them by calling 1-866-761- orally or in writing, of loss, theft, or possible unauthorized 
    2689 (TTY users call 1-800-659-5495).   use. In any case, your liability for unauthorized use of your 
     15.  Default. We may declare the entire balance for the  Card as a credit card will not exceed $50.00. 
     Credit Card accounts due and payable at once with or without  18.  Where to Call or Write. If you believe your Card has 
    notice  or  demand  if  any  of  these  events  (a  �Default�)  been lost or stolen or that someone is using your Card or 
    happens:                                Credit Card account without your permission, call: 
       a. If you miss a payment under this Agreement or any  1-800-996-2638 (for TTY call 1-800-659-5495) or write to: 
     other obligation you owe us; or        Bank of the West, BankCard Security Department, PO Box 
       b. If you violate any terms of this Agreement.  2078 Omaha, NE 68103-2078  
       If you are in Default, we may terminate your Credit Card  19.  Our Business Days. Our business days are Monday 
     account, make no more additional loans, and require you to  through Friday, except for bank holidays. 
     immediately repay the entire unpaid balance of all amounts  20.  Credit Investigation and Disclosure. You authorize 
     due on your Credit Card account, including but not limited to  us, both now and in the future, to check your credit and 
     all loan amounts, late charges and other charges assessed  employment history and to release information about our 
     but not paid, and all of the INTEREST CHARGES accrued  credit experience with you in response to legitimate credit 
     but not paid. If we terminate your Credit Card account, your  inquiries. If you believe that we have incorrect information or 
     obligation to repay the amounts you already owe us would  have reported inaccurate information about you to a credit 
     continue.                              bureau, please call us at 1-800-996-2638 (for TTY call 1-800-
       At  our  option,  we  may  also  take  action  short  of  659-5495).  As required by law, you are hereby notified that 
     terminating your Credit Card account. If we take such lesser  a negative credit report reflecting on your credit history may 
     action initially, we reserve the right to terminate your Credit  be submitted to a credit reporting agency if you fail to fulfill 
     Card account and accelerate all amounts due under this  the terms of your credit obligations. 
     Agreement regardless of whether any additional events have  21.  Security  Interest.   This  Credit  Card  account  is 
     occurred which would permit termination and acceleration.   secured by a deposit account (�Deposit Account�) in your 
      16.  Automated Terminal Services      name only with Bank of the West. The amount you deposited 
       a. Automated Terminals. You may use your Card in the  in the Deposit Account (subject to the minimum amount 
     following automated terminals:         required and maximum amount allowed by the Bank) is your 
          (1) Any Bank of the West automated teller machines.  credit limit.  The Deposit Account will be used as collateral to 
          (2) Any  other  automated  teller  machine  that  is  secure the obligations  you incur in connection with your 
     participating in a network and accepts our Card (�Network  Credit Card account. You grant the Bank a security interest 
     ATM�) and                              in, and assign to the Bank, all funds in your Deposit Account.  
          (3) Any point-of-sale terminal that accepts our Card  You agree that you will be bound by the agreement (�Deposit 
     (�POS terminal�).                      Account Agreement�) for your Deposit Account and that your 
       b. Services Available at an Automated Terminal  Deposit Account is subject to this Agreement. You grant the 
          (1) You may use your Card at a Bank of the West or  Bank exclusive control over the Deposit Account, the right to 
     any Network ATM to:                    redeem, collect and withdraw any part or the full amount of 
           (a) Get a Cash Advance from your Credit Card  the Deposit Account upon any default under this Agreement 
     account.                               or if your Credit Card account is closed for any reason. The 
           (b) Get your Credit Card account balances. These  Bank may apply funds in the Deposit Account to pay off any 
     balances may not include some transactions recently made  balance  on  the  Credit  Card  account  if  the  Credit  Card 
     in your Credit Card account. Some of the services described  account is closed for any reason. You may not make or 
     in subparagraphs (a) and (b) may not be available at all  otherwise arrange for any deposits to or withdrawals from the 
     Network ATMs.                          Deposit Account while the Deposit Account secures your 
           (c) You may use your Card at a POS terminal to  Credit Card account. The Deposit Account will not be eligible 
     purchase certain merchandise. The amount of your purchase  for  Auto-Save  or  Savings  Overdraft  Protection  while  the 
     will automatically be charged to your Credit Card account as  Deposit Account secures your Credit Card Account. You 
     a Purchase.                            provide the security interest and assignment as security for 
       c. Limits  of  Automated  Terminal  Services  -  Cash  any and all amounts you may owe (including but not limited 
     Advances. You may get a Cash Advance from a Bank of the  to interest, fees and charges which may accrue under your 
     West Automated Terminal up to an aggregate amount of  Credit Card account). The balance of your Deposit Account 
     $500 each calendar day, provided that this amount does not  is only refundable after your Credit Card account is closed 
     exceed your Credit Limit. This amount may be less for Cash  and all amounts owed to the Bank are paid (any remaining 
     Advances from Network ATMs.            amount you request to be refunded may take up to 30 days 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  to be returned to you).  You agree to pay all charges and 
     responsible for all transactions in which you use your Card in  follow  all  practices  set  forth  in  the  Deposit  Account 
     an automated terminal, or the use of the Card by anyone else  Agreement for the Deposit Account that secures your Credit 
     who uses it with your permission. Security in use of the Card  Card account and abide by all future changes to the terms 
     is provided by the secret code, which we will provide you, and  and charges for the Deposit Account.   
     the magnetically encoded stripe on the Card. Please keep  22.  Collection. You promise to pay all collection costs, 
     the Card safe and also protect the secret code. Use the Card  including, without limitation, mailgram charges, reasonable 
     and the secret code as instructed at all times. Please notify  lawyers� fees and court costs, as permitted by law. 
     us of any mechanical or operating failure in connection with  23.  If There are More Than One of You. Each of you 
     the use of your Card. Do not permit anyone else to use your  individually, or all of you together, will be liable under this 
    BW-SCCAG (Rev. 07/2018) 
     
      
    Agreement. We may collect from or sue any one of you, or  to repay amounts you already owe under this Agreement, 
    make any settlements or extensions with any one of you,  and you must return your Card to us or destroy the card.  In 
    without giving up our rights against the other. You understand  either case, the account will be closed and you will no longer 
    that  any  one  of  you  can  make  Purchases,  get  Cash  have access to the account. 
    Advances,  or  perform  Balance  Transfers  under  this  27.  Governing Law. This Agreement will be governed by 
    Agreement which will be binding upon all of you.  the laws of the State of Nebraska, and, as applicable, federal 
     24.  No Waiver of Rights. If we choose to waive any of the  law, regardless of where the transactions are made. 
     terms or conditions of this Agreement on a case-by-case  28.  Monitoring/Recording  Telephone  Calls.  Our 
     basis, such as by not declaring the entire balance due when  supervisory  personnel  may  listen  to  and  record  your 
     the minimum monthly payment has not been made on time,  telephone calls to us for  the  purpose of monitoring and 
     it does not mean that we have waived, or given up, our right  improving the quality of service you receive. 
     to  exercise  any  of  our  rights  or  remedies  under  this  29.  Severability.  All other provisions of this Agreement 
     Agreement in the future. We are not required to use any  shall remain in full force even if one or more provisions of this 
     particular  kind  of  demand  or  notice  in  order  to  collect  Agreement are held invalid, illegal, void or unenforceable by 
     amounts due to us under this Agreement. No indulgence or  any rule or law, administrative order or judicial decision. 
     acceptance  by  us  of  delinquent  or  partial  payments  30. Authorized User.  If you elect to have an authorized 
     constitutes a waiver of our rights or of any provision of this  user, you will be liable for all transactions made by that user 
     Agreement.  No  waiver  of  any  existing  default  shall  be  on your account. Any authorized user is not a contractually 
     deemed to waive any subsequent default.  liable party. 
      25. Changing Terms. We can change, add to, delete or  31. Our Communications with You. You agree that we, 
    otherwise modify the terms of this Agreement at any time in  any  of  our  affiliates,  agents,  independent  contractors  or 
    any way permitted by law.  We will send you a notice of  service providers may monitor and record telephone calls 
    change at least 45 days (or as required by applicable law)  regarding your banking services to assure the quality of our 
    before the effective date of the change. We do not have to  service or for other reasons. You expressly consent that we, 
    send you an advance notice of the change if it favors you,  any  of  our  affiliates,  agents,  independent  contractors  or 
    such as by reducing rates, or increasing the maximum credit  service  providers  may  use  written,  electronic,  or  verbal 
    limit.  Except in cases where we are changing terms due to  means, or  any  other medium, as permitted by  law and 
    the Minimum Payment Due not being received within 60 days  including, but not limited to, mail and facsimile, to contact 
    of the Payment Due Date, you agree that the change may  you. Your consent includes, but is not limited to, contact by 
    cover all transactions made 15 days after we mail the notice.   manual  calling  methods,  prerecorded  or  artificial  voice 
    If you do not agree to the change, a method for rejecting the  messages,  text  messages,  e-mails  and/or  automatic 
    change  and  closing  the  account  will  be  provided  in  the  telephone dialing systems. You agree that we, any of our 
    Change of Terms Notice.   You agree that if you use your  affiliates,  agents,  independent  contractors  or  service 
    card after the effective date of the change, this will constitute  providers  may  contact  you  by  using  any  e-mail  or  any 
    your agreement with the change.         telephone  number  you  provide,  including  a  telephone 
     26.  Canceling this  Agreement. We have the right to  number  for  a  cellular  phone  or  other  wireless  device, 
    cancel this Agreement at any time by sending a notice to any  regardless of whether you incur any charges as a result.   
    one of you in writing. You also have the same right to cancel   
    this Agreement at any time by sending us a notice in writing.   
    If this Agreement is canceled by you or us, your obligation is   
                                     Your Billing Rights  
                                Keep This Notice for Future Use 
            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    What To Do If You Find a Mistake on Your Statement   
    If you think there is an error on your statement, write to us at:   �  We cannot try to collect the amount in question, or 
             Bank of the West                    report you as delinquent on that amount. 
             BankCard Customer Service Department  �  The charge in question may remain on your 
             PO Box 2319                         statement, and we may continue to charge you 
             Omaha, NE 68172-9793                interest on that amount. 
       In your letter, give us the following information:  �  While you do not have to pay the amount in 
      �  Account information: Your name and account  question, you are responsible for the remainder of 
         number.                                 your balance. 
      �  Dollar amount: The dollar amount of the suspected  �  We can apply any unpaid amount against your 
         error.                                  credit limit. 
      �  Description of problem: If you think there is an error   
         on your bill, describe what you believe is wrong and  After we finish our investigation, one of two things will 
         why you believe it is a mistake.   happen: 
       You must contact us:                   
      �  Within 60 days after the error appeared on your  �  If we made a mistake: You will not have to pay the 
         statement.                              amount in question or any interest or other fees 
      �  At least 3 business days before an automated  related to that amount. 
         payment is scheduled, if you want to stop payment  �  If we do not believe there was a mistake: You will 
         on the amount you think is wrong.       have to pay the amount in question, along with 
    You must notify  us of any  potential errors in writing [or  applicable interest and fees.  We will send you a 
    electronically].  You may call us, but if you do we are not  statement of the amount you owe and the date 
    required to investigate any potential errors and you may have  payment is due.  We may then report you as 
    to pay the amount in question.               delinquent if you do not pay the amount we think 
                                                 you owe. 
    What Will Happen After We Receive Your Letter   
     When we receive your letter, we must do two things:  If you receive our explanation but still believe your bill is 
     1. Within 30 days of receiving your letter, we must tell you  wrong, you must write to us within 10 days telling us that you 
    that we received your letter.  We will also tell you if we have  still refuse to pay.  If you do so, we cannot report you as 
    already corrected the error.            delinquent without also reporting that you are questioning 
     2. Within 90 days of receiving your letter, we must either  your bill.  We must tell you the name of anyone to whom we 
    correct the error or explain to you why we believe the bill is  reported  you  as  delinquent,  and  we  must  let  those 
    correct.  While we investigate whether or not there has  organizations  know  when  the  matter  has  been  settled 
    been an error:                          between us. 
    BW-SCCAG (Rev. 07/2018) 
     
      
      
     If we do not follow all of the rules above, you do not have to 
     pay the first $50 of the amount you 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 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 home 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 own 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 writing at: 
       Bank of the West 
       BankCard Customer Service Department 
       PO Box 2319 
       Omaha, NE 68172-9793 
       
      While we investigate, the same rules apply to the disputed 
     amount  as  discussed  above.   After  we  finish  our 
     investigation, we will tell you our decision.  At that point, if we 
     think you owe an amount and you do not pay, we may report 
     you as delinquent. 
      
     NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
     Credit Card Agreement is subject to all claims and defenses 
     which the debtor could assert against the seller of goods or 
     services  obtained  pursuant  hereto  or  with  the  proceeds 
     hereof.  Recovery hereunder by the debtor shall not exceed 
     amounts paid by the debtor hereunder. 
    BW-SCCAG (Rev. 07/2018)