Below are the terms you requested for a Pinnacle Bank MasterCard credit card product. 
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases
13.24%  to 19.24%  when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 13.24% to 19.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 21.00%How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the clos e of each billing cycle. We will not charge you any interest on purchases if you pay yo ur entire balance by the due date each month. Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 
FeesAnnual Fee NoneTransaction Fees� Balance Transfer� Cash Advance�F o r e i g n  T r a n s a c t i o nEither $10 or 3% of the amount of each transfer, which ever is greater. Either $10 or 4% of the amount of each cash advance, which ever is greater. 1.5% of each transaction in U.S. dollars. Penalty Fees� Late Payment� Returned Payment�O v e r�the�credit limitUp to $35Up to $35None
How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."  Important Information About Procedures for Opening a New Account .To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial instituti ons to obtain, verify, and record information that identifie s each person who opens an account. What this means for you: When you open an account, we will ask fo r your name, address, date of birth, and other information that will allow us to identify you. We may also  ask to see your driver's license or other identifying documen ts. Terms and Conditions:The words "you" and "your" mean each pe rson (as an individual) and all persons (as a group) applying as a Primary Applicant or Co�Applicant. You are applying for a credit card account provided by Pinnacle Bank , Nashville, TN ("we," "us," and "our"). By applying, you certify and agree that: � You are at least 18 years old (or at least 19, if a Nebraska or Alabama resident);;� You received, read, and agree to all terms and conditions provided with this application; � All information and documents provided with your applicatio n is true, correct, and complete and we may rely on it; � You are asking us to issue credit card s for account access to you and each Author ized User that any of you designate; � You agree to be responsible, indivi dually and together, for account use by any of you and any Authorized User; � You will read the Consumer Cardmember Agreement and its Account Opening Disclosures carefully before you use or allow anyone else to use any credit card account; � We are allowed to verify your employment, income, address, and all other in formation about you with financial institutions, credit reporting agencies, employers, gove rnment agencies, and other third parties; � We are authorized to use and disclose information about you, this application and any account we provide for our everyday business purposes, to the extent permitted by applicable law and as described in ou r Privacy Policy, including information we share with our service providers and other financial institutions to maintain and provid e your credit card account; �The obligations incurred with this credit card account are being in curred in the interest of your marriage or family, if you a re married and living in a community property state; and � If we decide not to approve any application you submit for a MasterCard World Credit Card, you want us to consider this submission to be your application for the MasterCard Platinum Rewards Card. You understand that the MasterCard Platinum Rewards Card has fewer benefits than the MasterCard World Cred it Card, but the same rates and fees apply to both cards. You agree that we may obtain consumer credit  reports about you to review this applicatio n, and, if we open a credit card accoun t for you, that we may obtain consumer credit reports about you in the f uture to review, update, renew, collect, and service your credit c ard account and for other purposes permitted by la w. We will, if you request, tell you whether we obtained a consumer credit report  about you and tell you the name and address of any consum er reporting agency that provided the report. If we open a credit card account for you, you understand and ag ree that you will be subject to all terms and conditions described in our Consumer Cardmember Agreement, as amended from time to time, including but not limited to its terms related to account payments , rates and fees, change in terms, and arbitration. This Consumer  Cardmember Agreement becomes effective the first time you or an y Authorized User activates a Card or uses the Account in any wa y. You understand and agree that we may change the Consumer Cardmember Agreement and the rates, fees, and terms of your credit card account as allowed by law, after we give any notice and  wait any time period that the law requires.Consent for Communications: By applying and providing your telephone number(s) and email address(es), you expressly authorize us and our agents and service providers to use any available written, el ectronic, or verbal means of contacting you for any purpose related to the servicing and collection of your accounts with us, for surveys and research, a nd for any other informational purpose related to  your accounts with us (each, a "Communication"). You agree this authorization for Communicat ions includes, but is not limited to, ou r use of ma
 nual calling methods, prerecorded or arti ficial voice messages, text messages, e�mail messages, and/or automatic telephone dialing systems. You agree that we and our agents and service providers may contact you for these Communications using any e �mail address or telephone number you provide, including a number for a cellular te lephone or other wireless device, regardless of any charges y ou may incur as a result. We will not charge you for making a Communication, but your servic e provider may. You agree that we and our agents and service providers may monitor and record telephone calls abou t your credit card account to assure service quality or for ot her legitimate business reasons. You understand and agree that we an d our agents and service providers may always communicate with you in any manner permitted by law that does not require your prior consent. Notice of Negative Information Furnishing:  We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Notice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the Primary Applicant and any Co�Applicant shall each have the right to use the account to the exte nt of any established credit limit and each may be liable for  all credit extended under the account. Notice to Ohio Residents: The Ohio laws against discrimination require that all cred itors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil  Rights Commission administers compliance with this law. Notice to New York Residents: You may contact the New York State Department of Fina ncial Services by telephone or visit its website for  free information on comparative credit card rates, fees and grace periods. NY State Dept of Financial Services: 1�800�342�3736 http://www.dfs.ny.gov/consumer/creditdebt.htm . Notice to Married Wisconsin Residents:  Wisconsin law provides that no agreement, unilateral statement or court decree relative to marital property shall adversely affect a creditor's interest, unless prior to the time credit is granted the creditor is furni shed a copy of the agreement, statement or decree, or has actual knowledge of the ad verse provision. If any or both of you are married Wisconsin r esidents, each of you agree to provide us with your spouse's name and addr ess at the following address within five (5) days of your appli cation, so we can provide your spouse(s) with any notice  required by Wisconsin law: Apex Cardmemb er Services, P.O. Box 332509, Murfreesbor o, TN 37133. 01/2016