NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES       uilding a successful financial plan When you use the... 6 Pinnacle Bank takes the right resources. That's                 = why we work hard to provide 7 eben FON: 5 you with quality financial services and Visa® Credit Card forthe = products. Like our convenient, flexible purchase of goods or services, = Visa® Classic Credit Card. It d the following benefits are = isa® Classic Credit Card. It's accepte yours at no additional charge! = at thousands of locations worldwide for = . b f h TRAVEL ADVANTAGE BENEFITS: 5 2 just about any type of purchase you can + Bonus Travel Dividends z = . . = = dream up. And, unlike those big out-of- ~Concierge Services <i = P gout of + Automobile Rental insurance =o = town institutions, our card comes with the -Auto Rental Discount > = . / F + Medical Assistance Services an = personal, friendly service you've come to «Lost or Damaged Luggage Insurance Oe] oy = Py | ir g d a expect from us. So, whatever your plans, Hotel-Marel Theft Insurance 5| 3 2 . ENROLLMENT REQUIRED: 5 . om é < 3 choose the credit card that gives you all -Payment Card Registration a . ‘ |e <8 oe the value and buying power you need to Key Registration Y) | agw _ «Lost Luggage Locator Service LL z & co + < cee get your projects off the drawing board. Not FDIC-Insured. Not Insured by any Federal 2 a Z Ws o Government Agency. Not a deposit. Not wa} 4 Q 5 4 oO Guaranteed by the Bank. May go dowa in value. my 5 a gS ake our credit card Apply for yours today! Or}e ada ; pply tory ¥ TRAVEL ACCIDENT INSURANCE with you wherever you go. ag ; ; You, your spouse and dependent children up to age 19 This Visa® Card may not be used for any iflegal transaction, {age 25 ifa full-time student at any institute of higher learning) are automatically covered with common carrier + @ . Afee may be imposed by an ATM operator not halding the travel accident insurance every time you travel by air, bus, Visa Classic . ; train, ship, taxi, ox any other common carrier anywhere consumer's account, or by any national, regional or facal in the world when you charge your entire fare to our card. This coverage is provided ta you at NO EXTRA COST. Not FOIC-Insured. Not Insured by any Federal Government Agency. Not a deposit, Not Guaranteed by the Bank, network used to complete the transaction. Member FDIC   @ Pinnacle Bank Wy  Interest Rates and interest Charges Annual Percentage Rate (APR) for Purchases   15.60% APR may vary with the market based on the Prime Rate.     APR for Balance Transfers NA   APR for Cash Advances 15.60% APR may vary with the market based on the Prime Rate.   Penalty APR and When it Applies NIA   Paying Interest Your due dale is at least 25 days after the close of each billing cycle. We will not charge you Interest on purchases if you pay your entire balance by the due dale each monih. We will begin charging interest on cash advances on the transaction date. We do not offer balance transfers.   Minimum Interast Charge None   For Credit Card Tips fram the Consumer Financial Protection Bureau     Annual Fee To feam more about faclors to consider when applying for or using a credil card, visit the web site of the Consumer Financial Proteclion Bureau at hito:sWwww.consumenfinance.qovitearnmare,       $15.00   Transaction Fees * Balance Transfer » Cash Advances « Foreign Transaction None Nene 1.0% of sach multi-currency trangaction in U.S. Collars 0.80% of each single currency Iransaclion in U.S. Dollars.   Penalty Feas + Late Payment * Over the Credit Limit * Returned Payment Up to $20.00 None None   Other Fees + Telephone payment fee « LosuDamaged Fee     $10.00 per occurrence if processed with a live representalive. No charge if processed through the aulomated system. $20.00     How We Will Galcutate Your Galange: We use a method called "average daily balance [including new purchases).” An explanation of Lhis method is provided in your credil card agreement Billing Rights! jatormation on your nahis to dispute bansactions and hei le exercise tnose nghis is provided in your credil card agreement. 2 Others: nay inctease with ¢ F a 2 markel based on (he pnme rate. The annual can lage rate may vary Apnl 1 or October | of each year. The prime rate used lo delerming your APR is Ine tale published in the Wall Sireel Journal an the 1st day of the prior month. Variable rale 7 termined by adding 16.00% La the Prime Ral   CREDIT APPLICATION Credit Limit Requested $   Check Account Chofca: (Signature required for jit applicant) Visa! ‘Individual Accoun! Ss Joint Account {see co-applicant and signatures section} <3 Credil Line Increase   IMPORTANT INFORMATION ABGUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help ihe govemment fighl the hinding af lerrovism and maney lauadering actities, Federal laws require alt financial ify and record Jovi that entifies each ve Accou sk                                                                                   ingttubons ta obtain, verily and | ‘opens an inl. What this means to you: When you open an Apcount, we welll a your nama, addeass, date of birth, and other information that will alow us to idenbfy you. We may also ask to see your driver's froansé Of other Menlilying documents. Last Name First | Kidde: Soca! Steurity Number Oate of Bith No_ of Dependents flame, Prone Cell Phone Oym = Rent Other Monthly Payment S. to) 3 i Convent Address Cy Stale Zip Code How Lang (yrs) i Mailing Address (il diferent rom above) cy Stata Zip Goce How Long (yrs) B £ Previous Addcess (if lass than 2 years al present address) city State Zip Code Hew Lang (yis} =z. a ied | Employer Seif Employed ‘Work Phone Date Employed af ‘Yes “INo { ) <= : Address PositoviOccupation Monlhity Gross knoomne § : Name and Address of Pravious Employer (if lesa than 2 years al present employer} How Long {yrs} Source ol Additions! Nene: Income [rom alimony, child supporl ov separate Amoual per Month S i need not be ititis aol consi in Nearest Relative (Not Living With You) Heme Pane Relaborship- ( Last Name Firgt Middle Seal Secusity Number Date of Birth No, of Dapendens. ‘Home Phono Cell Phone Own = Rent Other Monthly Payment 5 _ et {oo} { ) a ‘4 4 = at # | Current Address. City Shale ZipCode How Long irs} Sui ORE Previous Address (ifless han 2 years at presenl address) City Slate ip Code How Long (yrs) aay o Go Employer Self Employed Work Phone Cate Employed Yes No | Address Position Occupation Monty Gross Income 5, Name and Address ol Creditor Nama under Which Acoounl & Carried Account Number Balance Monthly Payment 1. Hone Monigage/Rent 2, Bank Credil Card/Bank Name and Address PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted 10 oblain credil and Lave cerlily that all information hereln is true and complete. We agree that inquiries may be made to verily information and thal credil references o¢ verification may be given based on inquiries from other parties. This offer ig subject to Ihe sredil policies of Unis institution. Wwe agree To be found by (ha (arms aed condilions o! the cardholder agreameni, a copy of which will be mailed lo lhe applicant if Us application is granted, rece H such and ‘such lemns le be conclusively presumed by the applicant's use. Hl you inlend to apply fer joint credit, the undersigned shal be jointly and severally Vabre for any and all cred extended from time lo lima, We may report information aboul your sccounl lo the cred bureaus. Late payments, missed payments, of olher dataults on your pocounl may Ba rellectad in your credit report, x Applicant Signature Co-Appicanl Signature Gale ‘Visa Account No. Gale Approved | Credit Line Approved By       nik. Pupittinn, NE 6SMA FOLD AND SECURE WITH TAPE FOR MAILING: Application O20 FIN 1242 All contents ave accurate at the time of printing, for changes that may have been made after printing please call (800) 369-7283.  YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT ifyou think there is an error on your statement, write to us at the address shown on your monthly billing statement, in your letter, give us the follawing information: ® Account Information: Your name and account number. » Botlar Amount: The dollar amount of the suspected error. * Description of Problem: If you think there is an error on your bill, describe what you beliave is wrong and why you believe it is 4 mistake. You must contact us: * Within 60 days after the error appeared on your statement. « At least 3 business days bafore an automated payment is scheduled, if you want to stop payrnent on the amount you think is wrong. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required to investigate any potential errors and you may have te pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, wa must do two things: 1. Within 30 days after recaiving your letter, we must tel! you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct tha error or explain te you why we believe the bill is correct. While we investigate whether or not there has been an enor: ® We cannot try to collect the amount in question, or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge you interest on that amount. * While you do not have to pay the amount in question, you are responsible for the rernainder of your balance. * We can apply any unpaid amount against your credit limit, After we finish our investigation, one of two things will happen: ° fwe made a mistake: ‘You will net have to pay the amaunt in question or any interest or other fees zelated to that amount. * lfwe do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. H you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. Ifyou do so, we cannot report you as delinquent without alse reporting that you ara questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. tHwe do not follow all of the niles above, you do not have to pay the first $50 of the amount in question, even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 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 currant mailing address, and the purchase price must have bean move than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we maited to you, o7 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 nat qualify. 3. You must nat yet have fully paid for the purchase. all of the criteria above are met and you are still dissatisfied with the purchase, contact us in watiting (or electronically) at the address shown on yout monthly billing statement. 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.       REV. 01/13 01.13_CREDITCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclesures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement. You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” “Us,” and “Our” mean Pinnacle Bank/ Bank of Colorado. “You” and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card” means each credit card we issue to you for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount of the transaction as well as any interest or fees that may be due. All amounts owed must be paic in United States dollars, You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a sales draft, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.C. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission. D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Interest Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST At the end of each day we will add new charges to your balance and subtract payments we receive, and other creciits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application. The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime rate published in The Wall Street Journal on the first day of the prior month ("Prime Rate"). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers}. Ta get the average daily balance, we take the beginning balance of your account each day, add ariy new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. I. GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking af when we refer to a term permitted or required by applicable law. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without losing ther. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant ta federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of tire. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty if you do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S) You are responsible for promptly notifying us of a change in your name, address (including any e-mail address at which you agree to be contacted), or telephone number(s) including any wireless telephone number(s). .