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 02/10/2016, the following Account Opening 
           Disclosures and Credit Card Agreements apply by the credit card type received: 
           
           
           
          Platinum Credit Card 
          Account Opening Disclosure � Platinum Card 
           Credit Card Agreement (Personal Accounts) 
            
            
          Platinum Rewards Credit Card 
          Account Opening Disclosure � Platinum Rewards Card 
           Credit Card Agreement (Personal Accounts) 
            
            
                                            �
           Wealth Management World Elite� MasterCard  Credit Card 
                                                               �
          Account Opening Disclosure � Wealth Management World Elite� MasterCard  Credit Card 
                                                           �
           Credit Card Agreement (Wealth Management World Elite� MasterCard  Credit Card) 
            
                        �
           World MasterCard  Credit Card 
                                           �
          Account Opening Disclosure �World MasterCard  Credit Card 
                                        �
           Credit Card Agreement (World MasterCard  Credit Card) 
            
                                                                          M-117467 
                                                                         Rev. 01/2016 
     
                          Account Opening Disclosure � 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 17.24%. This APR will vary with the market based 
                            on the Prime Rate. 
     APR for Balance Transfers  17.24% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24% 
                          
                            This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies              
                            This APR may be applied to your account if your payment is more than 60 days past 
                            the Payment Due Date. 
                          
                            How Long Will the Penalty APR Apply? The Penalty APR will apply until you 
                            make six consecutive minimum payments when due beginning with the payment 
                            following the commencement of the Penalty APR. 
                          
                            This APR will vary with the market based on the Prime Rate. 
     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 $5 or 3% 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 $35 (Varies by State. See next page for details.). 
      
        �  Returned Payment  Up to $35 (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. 
     
     Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date. 
     
     Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement. 
     
     Continued on next page. 
     
      
                                                                          M-117467 
                                                                         Rev. 01/2016 
      
      
     Late Payment fee for Iowa residents is $15. For other states the fee is $25 for the first violation and $35 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 $19.95. For other states the fee is $25 for the first violation and $35 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. 
       
      In South Dakota, Bank of the West operates under the name of Bank of the West California. 
       
      
     
                                                                                   
                                                   CREDIT CARD AGREEMENT  
                                                                       (Personal Accounts) 
                                             
                                        ?
     By  requesting  or  accepting  any  Platinum  MasterCard ,  required to authorize transactions for an amount in excess 
              ?                       ?
    Platinum  Visa ,  Platinum  Rewards  MasterCard ,  or  of your Credit Limit. 
                   ?
    Platinum Rewards Visa  account (individually or collectively  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
    called �Credit Card account� or �Account�) with Bank of the  such as car rental companies and hotels, may request prior 
    West,  you  agree  to  be  bound  by  all  the  terms  of  this  credit approval from us for an estimated amount of your 
    Agreement. In this Agreement, the words �you� or �your�  Purchases, even if you ultimately do not pay by credit. If our 
    mean everyone who has requested or accepted a Credit  approval  is  granted,  your  available  Credit  Limit  will 
    Card account with us. The words �we,� �us,� �our,� or �Bank�  temporarily be reduced by the amount authorized by us.  If 
    mean  Bank  of  the  West.   If  you  do  not  accept  this  you do not ultimately use your Credit Card account to pay 
    Agreement, you must notify us in writing within 5 days after  for your Purchases or if the actual amount of Purchases 
    receipt.  Use of your card or any feature (including a balance  posted  to  your  Credit  Card  account  varies  from  the 
    transfer)  of  your  Credit  Card  Agreement  shall  constitute  estimated amount approved by us, it is the responsibility of 
    acceptance of this Agreement.            the merchant, not us, to cancel the prior credit approval 
     1. Use.  Your  Platinum  MasterCard,  Platinum  Visa,  based on the estimated amount. The failure of the merchant 
    Platinum Rewards MasterCard, or Platinum Rewards Visa  to cancel a prior credit approval may result in a temporary 
    card (individually or collectively called �Card�) may be used  reduction of your available Credit Limit, but will not increase 
    as a credit card for purchases of goods or services from  the amount you owe us under this Agreement. 
    participating  merchants  (�Purchases�)  or  to  get  Cash  4. Agreement to Pay. When you use your Card or Credit 
    Advances from us or any other financial institution displaying  Card account, or when you permit anyone to use it, you 
    the �MasterCard� or �Visa� logo, or to purchase certain items  agree  to  pay  the  amount  of  any  and  all  transactions 
    such as traveler's cheques, foreign currency, money orders,  (including any which may have been made in violation of this 
    wire transfers, lottery tickets, and (except as noted below)  Agreement), and the INTEREST CHARGES, and fees that 
    funds to be used for wagers or gambling (all of which are  may become due as shown on the periodic statement. You 
    collectively  referred  to  as  �Cash  Advances�)  up  to  your  agree  that  we  may  change  or  cancel  your  Credit  Card 
    Credit Limit; provided, however, you may not use your Card  Account at any time without affecting your obligation to pay 
    (i) to make Purchases or obtain Cash Advances for any  the amounts that you owe under this Agreement.  
    illegal transaction, or (ii) for any internet or online gambling  5. Periodic Statement. Each month we will send you a 
    transactions.  Transactions for online or internet gambling  periodic statement for each Credit Card account you have 
    will not be approved.  If you use your Card for any illegal or  with us covering the previous billing period. We may not 
    prohibited transaction, this Agreement also applies to such  send you a statement if your balance is less than $1 and 
    transaction  and  you  agree  to  pay  any  and  all  amounts  there were no transactions during the billing period. The 
    related to such transaction pursuant to the terms of this  statement will have a �Statement Period Date�, �Statement 
    Agreement. We may, in our sole discretion, restrict the use  Closing Date� and a �Payment Due Date,� and will show, 
    of or terminate your Card if we notice excessive use of your  among other things, your �Previous Balance,� your �New 
    Card  or  other  suspicious  activities  or  if  we  reasonably  Balance,� and your minimum monthly payment, which will be 
    believe the Card is or has been used for one or more illegal  shown as �Minimum Payment Due.� 
    or  prohibited  transactions.  You  can  also  obtain  a  Cash  6. Payment. You must make a payment by the �Payment 
    Advance  by  writing  a  special  MasterCard  or  Visa  check  Due Date.� You have two choices: You may pay the entire 
    (�Convenience Check�).  The Cash Advance will be posted  �New Balance� or you may pay in installments by paying at 
    to your Credit Card account when the Convenience Check  least the �Minimum Payment Due.� When your payment is 
    reaches us. If you stop payment on a Convenience Check,  properly received, we will allocate your payment in a manner 
    your  Credit  Card  account  will  be  charged  $16.00 (or as  we determine except as otherwise required by law.  The 
    permitted by law) for each stop payment. We may designate  Minimum  Payment  is  applied  first  to  fees,  then  to 
    that only a portion of your Credit Limit is available for Cash  INTEREST CHARGES and finally to principal. We apply the 
    Advances. In addition, you may request that we pay other  Minimum Payment to balances with lower APRs, including 
    creditors on your behalf and transfer approved amounts to  introductory  APRs,  before  balances  with  higher  APRs. 
    your Account (�Balance Transfers�).      Payments made in excess of the Minimum Payment will be 
     Your  Card  may  also  be  used  in  certain  automated  applied first to balances with the highest Annual Percentage 
    terminals to gain access to your Credit Card accounts. We  Rate and then to each successive balance bearing the next 
    have  no  responsibility  for  the  failure  of  any  machine,  highest Annual Percentage Rate.  
    merchant, financial institution, or any other party to honor    Payments  must  be  mailed  to  the  BankCard  Center 
    your Card. Your Card and Credit Card account may be used  address  specified  in  your  periodic  statement.  Payments 
    only  for  valid  and  lawful  purposes.  If  you  use  or  allow  must  reach  our  BankCard  Center  during  our  regular 
    someone else to use the Card or Credit Card account for  business day in order to be credited on that date.  Payments 
    any other purpose, you will be responsible for such use and  received after the cutoff times of 5:00 p.m. PT are credited 
    may  be  required  to  reimburse  us  for  all  amounts  or  as of the following business day. If you make a payment by 
    expenses we pay as a result of such use.  any means other than mail to our BankCard Center crediting 
     2. Credit Limit.  We will notify you of the Credit Limit for  of the payment may be delayed.  If you fail to properly make 
    each Credit Card account you have with us. You agree that  payments, crediting such payments may be delayed. Your 
    your total charges, including Purchases, Cash Advances,  total available credit may not be restored for up to 15 days 
    Balance Transfers, INTEREST CHARGES, and fees that  after we receive your payment.    
    may be due will not exceed your Credit Limit. If you do go    If a payment is returned to us for any reason, we may 
    over your Credit Limit, you must repay the excess amount  apply a Returned Payment Fee of $25 for the first violation 
    immediately, and we may reduce the available Credit Limit  and $35 for each subsequent violation within the next six 
    of any other Credit Card account you have with us until such  billing cycles. The Returned Payment Fee for Iowa residents 
    time  the  excess  amount  is  repaid.  You  may  apply  to  is $19.95.  If the Returned Payment Fee is greater than the 
    increase  your  Credit  Limit  at  any  time  but  we  are  not  Minimum  Payment  Due,  the  fee  will  be  equal  to  the 
    obligated  to  increase  your  Credit  Limit  at  any  time.  Minimum Payment Due.  
    Furthermore, we reserve the right to lower your Credit Limit    From time to time, we may let you skip or reduce one or 
    at any time. For security reasons, we may limit the number  more  monthly  payments  during  a  year  and/or  we  may 
    or amount of transactions that may be accomplished with  temporarily  reduce  or  eliminate  certain  INTEREST 
    your Card or Credit Card account, and we have the right to  CHARGES on all or a portion of your Credit Card account 
    limit authorizations to make transactions if we consider it  balance or offer you other special terms. If we do, we will 
    necessary to verify Payments received on your Credit Card  advise you of the scope and duration of the applicable skip 
    account.  If we accept a payment from you in excess of your  or  promotional  feature.  When  the  skip  or  promotional 
    outstanding balance, your available Credit Limit will not be  feature ends, your regular rates and all the terms of the 
    increased by the amount of the overpayment nor will we be  Agreement will resume. 
    BW-CCAG (REV.  02/2016)  
      
     7. Minimum Payment- Late Payment Fee. At least the  the Current Index plus a �Rate Spread� of 15.74 percentage 
    amount of the �Minimum Payment Due� must be received by  points.  The  interest  rate  for  Purchases  (after  the 
    us by the �Payment Due Date.� If it is not, we may apply a  Introductory  Period)  and  Balance  Transfers  on  your 
    Late Payment fee of $25 for the first violation and $35 for  Platinum Credit Card account is based on a variable rate 
    each subsequent violation within the next six billing cycles.   equal to the sum of the Current Index plus a �Rate Spread� 
    The Late Payment fee for Iowa residents is $15.  If the Late  of  13.74  percentage  points.  The  interest  rate  for  Cash 
    Payment fee is greater than the Minimum Payment Due, the  Advances on your Account is based on a variable rate equal 
    fee will be equal to the Minimum Payment Due.  If such  to the sum of the Current Index plus a �Rate Spread� of 
    charge would result in an INTEREST CHARGE greater than  21.74 percentage points. Immediately before each Change 
    the  maximum  allowed  by  law,  we  will  only  charge  the  Date we will determine the new interest rate by adding the 
    maximum allowable rate. Your Minimum Payment Due will  Rate Spread to the Current Index. The new interest rate will 
    be 3% of the New Balance plus any Late Payment fee (with  become effective at the start of your first billing cycle after 
    a minimum of the lesser of $25 or your New Balance) and  the Change Date. Only one Annual Percentage Rate and 
    any amount over your credit limit and past due amount.  Daily  Periodic  Rate  will  be  in  effect  for  each  Balance 
                                             Category during the billing period. The Annual Percentage 
     8. How to Avoid Paying Interest on Purchases. There 
                                             Rate will not exceed the maximum rate permitted by law. 
    may  be  different  treatment  of  INTEREST  CHARGES  for 
                                             The effect of any increase in the Annual Percentage Rate 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             and  the  Daily  Periodic  Rate  would  be  to  increase  the 
    though they are computed the same way. You may avoid 
                                             amount of INTEREST CHARGE or interest you must pay 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             and thus increase your monthly payments. 
    the entire New Balance by the Payment Due Date. If we do 
                                              10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
    not receive the entire New Balance by the Payment Due 
                                             appropriate fees listed below (as permitted by applicable 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             law) which may be amended from time to time by us. You 
    Purchases  from  the  date  of  the  transaction.  INTEREST 
                                             authorize us to charge your Credit Card account for the 
    CHARGES on all other balances, including Cash Advances 
                                             following fees due to us. Balance Transfer fee: 3.00% of 
    and Balance Transfers, begin on the transaction date and 
                                             each balance transferred, $5 minimum. Cash Advance fee: 
    will be assessed even if your entire New Balance is paid by 
                                             4.00% of each Cash Advance, $10 minimum.  
    the Payment Due Date. 
                                              11.   Foreign  Transaction  Fee.  Transactions  that  you 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             make in a foreign currency or that you make outside of the 
    INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             United States of America even if it is made in U.S. dollars 
    applying the periodic rate to the �Average Daily Balance� of 
                                             are  considered  foreign  transactions.   If  you  make  a 
    each  Balance  Category  on  the  Credit  Card  account, 
                                             transaction in a foreign currency it will be billed to you in 
    including current transactions. Balance Categories include 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
    Purchases,  Balance  Transfers,  Cash  Advances, 
                                             determined by Visa International or MasterCard International 
    Introductory Rates and any special rate offers we may make 
                                             in accordance with their operating regulations or conversion 
    available from time to time.  If you are charged interest, the 
                                             procedures  in  effect  at  the  time  the  transaction  is 
    charge will be no less than $1.00 (the minimum interest 
                                             processed.  Currently,  their  regulations  and  procedures 
    charge will appear as �Minimum Charge� in the fees section 
                                             provide that the currency conversion rate they use is either 
    of your statement).  
                                             (1) a government-mandated rate or (2) a wholesale market 
       a. Average Daily Balance.  To obtain the daily balance 
                                             rate, whichever is applicable, in effect one day prior to the 
    for each Balance Category we take the beginning balance 
                                             processing  date.  We  do  not  determine  the  currency 
    each  day  and  add  new  transactions  applicable  to  each 
                                             conversion  rate  which  is  used.   You  agree  to  pay  the 
    category, and subtract any payments, credits, and refunds 
                                             converted  amount  in  U.S.  funds.  In  addition,  Visa  or 
    applied  to  the  category.   To  figure  your  Average  Daily 
                                             MasterCard  will  charge  us  (the  Bank)  an  international 
    Balance for each Balance Category, we add all your daily 
                                             transaction fee, currently equal to one percent (1.00%) of 
    balances and divide by the number of days in the billing 
                                             the transaction amount. We will charge you the international 
    period. 
                                             transaction  fee  imposed  on  us  plus  an  additional  two 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             percent  (2.00%)  of  the  transaction  amount  whether  that 
    INTEREST  CHARGE  for  each  Balance  Category  by 
                                             transaction was originally made in U.S. dollars or was made 
    multiplying these Average Daily Balances by the applicable 
                                             in another currency and converted to U.S. dollars.  These 
    Daily Periodic Rate, and then we multiply the result by the 
                                             two  fees  will  be  aggregated  and  shown  as  one  Foreign 
    number of days in the billing period. To determine the Daily 
                                             Transaction Fee on your statement. 
    Periodic  Rate  for  each  Balance  Category,  we  divide  the 
                                              12.  Other Fees. As allowed by law, we may charge, and 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             you agree to pay, fees for certain services or requests made 
    billing period by 365 (366 for leap year). The way we get the 
                                             by you, such as but not limited to: Automated Teller Machine 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             (�ATM�) transactions conducted at machines not operated 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             by us, requests for copies of billing statements, sales drafts, 
       c.  Fixed Rate. For the first six months (�Introductory 
                                             or  other  records  of  your  Account,  or  if  you  request  a 
    Period�) your interest rate for Purchases on your Account is 
                                             replacement card(s).  However, we will not charge fees for 
    equal  to  0.00%  APR;  thereafter,  your  interest  rate  for 
                                             copies of documents requested for a billing dispute.  These 
    Purchases  will  apply.   There  is  no  introductory  rate  for 
                                             fees may change from time to time.  We will inform you of 
    Balance Transfers or Cash Advances.  
                                             the fee(s) that you will incur prior to when the applicable 
       d. Variable Rate. The current Annual Percentage Rate 
                                             service(s) is(are) provided or when you make the request(s), 
    for  all  variable  rates  is  shown  on  the  Account  Opening 
                                             as applicable. You authorize us to charge your Credit Card 
    Disclosure  which  has  been  provided  to  you  with  this 
                                             account for any such fees that you incur. We reserve the 
    Agreement. The Daily Periodic Rate and the corresponding 
                                             right to waive a fee from time to time but a waiver does not 
    Annual Percentage Rate may change each month on the 
                                             mean we will continue to waive such fee in the future.  
    first day of each of your billing cycles. Each date on which 
                                               13.  Default. We may declare the entire balance for all 
    the rate of interest could change is called a �Change Date.� 
                                             Credit  Card  accounts  due  and  payable  at  once  with  or 
    Changes will be based on changes in the �Index.� The Index 
                                             without notice or demand if any of these events (a �Default�) 
    is the highest Prime Rate published in the �Money Rates� 
                                             happens: 
    table of The Wall Street Journal. If the Index is no longer 
                                               a. If you miss a payment under this Agreement or any 
    available, we will choose a new index which is based upon 
                                             other obligation you owe us; or 
    comparable  information  and  will  give  you  notice  of  our 
                                               b. If you violate any terms of this Agreement. 
    choice. The Index figure published on the second Tuesday 
                                               If you are in Default, we may terminate your Credit Card 
    (or on the next business day if the second Tuesday is a 
                                             account, make no more additional loans, and require you to 
    holiday)  each  month  is  called  the  �Current  Index.�  The 
                                             immediately repay the entire unpaid balance of all amounts 
    interest rate for Purchases (after the Introductory Period) 
                                             due on your Credit Card account, including but not limited to 
    and Balance Transfers on your Platinum Rewards Credit 
                                             all loan amounts, late charges and other charges assessed 
    Card account is based on a variable rate equal to the sum of 
    BW-CCAG (REV.  02/2016)  
      
    but not paid, and all of the INTEREST CHARGES accrued  You may be liable for the unauthorized use of your Card 
    but not paid. If we terminate your Credit Card account, your  as a credit card. You will not be liable for unauthorized use 
    obligation to repay the amounts you already owe us would  of your Card as a credit card which occurs after you notify 
    continue.                                us at the telephone number or address stated in paragraph 
       At  our  option,  we  may  also  take  action  short  of  16, orally or in writing, of loss, theft, or possible unauthorized 
    terminating  your  Credit  Card  account.  If  your  required  use. In any case, your liability for unauthorized use of your 
    minimum payment (shown on your periodic statement as  Card as a credit card will not exceed $50.00. 
    �Minimum Payment Due�) is not received within 60 days of  16.  Where to Call or Write. If you believe your Card has 
    the  Payment  Due  Date,  your  ANNUAL  PERCENTAGE  been lost or stolen or that someone is using your Card or 
    RATE for all balances will be a variable rate equal to the  Credit  Card  account  without  your  permission,  call: 
    sum of the Current Index plus a �Rate Spread� of 26.74  1-800-996-2638 (for TTY/TDD call 1-800-659-5495) or write 
    percentage points (Penalty Rate). You will be provided with  to: Bank of the West, BankCard Security Department, PO 
    a notice 45 days in advance of the effective date of the  Box 2078, Omaha, NE 68103-2078. 
    change in Annual Percentage Rate.  Your payments under  17.  Our Business Days. Our business days are Monday 
    this  Agreement,  including  the  amount  of  the  INTEREST  through Friday, except for bank holidays. 
    CHARGE, will increase as a result of the increase in your  18.  Credit Investigation and Disclosure. You authorize 
    ANNUAL PERCENTAGE RATE, and any such increase in  us, both now and in the future, to check your credit and 
    your ANNUAL PERCENTAGE RATE will be shown on your  employment history and to release information about our 
    next periodic statement. We will reinstate your Daily Periodic  credit experience with you in response to legitimate credit 
    Rate and ANNUAL PERCENTAGE RATE to the rate set  inquiries. If you believe that we have incorrect information or 
    forth in this Agreement once you have made at least your  have reported inaccurate information about you to a credit 
    Minimum  Payment  Due  for  six  (6)  consecutive  billing  bureau, please call us at 1-800-996-2638 (for TTY/TDD call 
    periods  immediately  following  the  effective  date  of  the  1-800-659-5495).   As  required  by  law,  you  are  hereby 
    Penalty Rate.  If we take such lesser action initially, we  notified that a negative credit report reflecting on your credit 
    reserve the right to terminate your Credit Card account and  history may be submitted to a credit reporting agency if you 
    accelerate all amounts due under this Agreement regardless  fail to fulfill the terms of your credit obligations. 
    of whether any additional events have occurred which would  19.  Security  Interest.  We  have  no  security  for  any 
    permit termination and acceleration.     amounts which become due under this Agreement, even 
     14.  Automated Terminal Services        though any other agreement you may have with us, such as 
       a. Automated Terminals. You may use your Card in  a mortgage, may provide for such a security interest, unless 
    the 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  20.  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�).                         21.  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 
    account.                                 understand that any one of you can make Purchases, get 
           (b) Get your Credit Card account balances. These  Cash 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  22.  No Waiver of Rights. If we choose to waive any of 
    in subparagraphs (a) and (b) may not be available at all  the 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  it does not mean that we have waived, or given up, our right 
    purchase will automatically be charged to your Credit Card  to  exercise  any  of  our  rights  or  remedies  under  this 
    account as 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  amounts due to us under this Agreement. No indulgence or 
    the West Automated Terminal up to an aggregate amount of  acceptance  by  us  of  delinquent  or  partial  payments 
    $500 each calendar day, provided that this amount does not  constitute a waiver of our rights or of any provision of this 
    exceed your Credit Limit. This amount may be less for Cash  Agreement.  No  waiver  of  any  existing  default  shall  be 
    Advances from Network ATMs.              deemed to waive any subsequent default. 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  23. Changing Terms. We can change, add to, delete or 
    responsible for all transactions in which you use your Card  otherwise modify the terms of this Agreement at any time in 
    in an automated terminal, or the use of the Card by anyone  any way permitted by law.  We will send you a notice of 
    else who uses it with your permission. Security in use of the  change at least 45 days (or as required by applicable law) 
    Card is provided by the secret code, which we will provide  before the effective date of the change. We do not have to 
    you,  and  the  magnetically  encoded  stripe  on  the  Card.  send you an advance notice of the change if it favors you, 
    Please keep the Card safe and also protect the secret code.  such as by reducing rates, or increasing the maximum credit 
    Use the Card and the secret code as instructed at all times.  limit.  Except in cases where we are changing terms due to 
    Please notify us of any mechanical or operating failure in  the Minimum Payment Due not being received within 60 
    connection with the use of your Card. Do not permit anyone  days of the Payment Due Date, you agree that the change 
    else to use your Card and do not disclose your secret code  may cover all transactions made 15 days after we mail the 
    or record it on the Card. The Card remains the property of  notice.  If you do not agree to the change, a method for 
    the Bank and can be revoked and repossessed at any time.  rejecting  the  change  and  closing  the  account  will  be 
    You must return it to us when asked.     provided in the Change of Terms Notice.   You agree that if 
       e. Fees  for  Using  Automated  Terminal  Services.  you use your card after the effective date of the change, this 
    Fees may be charged for transactions made at automated  will constitute your agreement with the change.  
    teller  machines  not  operated  by  us  as  described  in  24.  Canceling  this  Agreement.  We  have  the  right to 
    paragraph 12-Other Fees.                 cancel this Agreement at any time by sending a notice to 
     15.  Lost  or  Stolen  Card;  Your  Liability  for  any one of you in writing. You also have the same right to 
    Unauthorized Use. Tell us AT ONCE if you believe your  cancel this Agreement at any time by sending us a notice in 
    Card has been lost or stolen. Telephoning is the best way of  writing or calling the BankCard Center at 1-800-996-2638 
    keeping your possible losses down.       (for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is 
    BW-CCAG (REV.  02/2016)  
      
    canceled by you or us, your obligation is to repay amounts  You  agree  that  we,  any  of  our  affiliates,  agents, 
    you already owe under this Agreement.  In either case, the  independent contractors or service providers may monitor 
    account will be closed and you will no longer have access to  and record telephone calls regarding your banking services 
    the account.                             to assure the quality of our service or for other reasons. You 
     25.  Governing Law. This Agreement will be governed by  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
    the  laws  of  the  State  of  Nebraska,  and,  as  applicable,  independent  contractors  or  service  providers  may  use 
    federal law, regardless of where the transactions are made.  written, electronic, or verbal means, or  any other medium, 
     26.  Monitoring/Recording  Telephone  Calls.  Our  as permitted by law and including, but not limited to, mail 
    supervisory  personnel  may  listen  to  and  record  your  and facsimile, to contact you. Your consent includes, but is 
    telephone  calls  to  us  for  the  purpose  of  monitoring  and  not  limited  to,  contact  by  manual  calling  methods, 
    improving the quality of service you receive.  prerecorded or artificial voice messages, text messages, e-
     27.  Severability.  All other provisions of this Agreement  mails  and/or  automatic  telephone  dialing  systems.  You 
    shall remain in full force even if one or more provisions of  agree that we, any of our affiliates, agents, independent 
    this  Agreement  are  held  invalid,  illegal,  void  or  contractors or service providers may contact you by using 
    unenforceable by any rule or law, administrative order or  any e-mail or any telephone number you provide, including a 
    judicial decision.                       telephone  number  for  a  cellular  phone  or  other  wireless 
     28.  Our Communications with You        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  statement of the amount you owe and the date 
    If you think there is an error on your statement, write to us  payment is due.  We may then report you as 
    at:                                           delinquent if you do not pay the amount we think 
              Bank of the West                    you owe. 
              BankCard Customer Service Department   
              PO Box 2319                     If you receive our explanation but still believe your bill is 
              Omaha, NE 68172-9793           wrong, you must write to us within 10 days telling us that you 
       In your letter, give us the following information:  still refuse to pay.  If you do so, we cannot report you as 
      ?  Account information: Your name and account  delinquent without also reporting that you are questioning 
         number.                             your bill.  We must tell you the name of anyone to whom we 
      ?  Dollar amount: The dollar amount of the suspected  reported  you  as  delinquent,  and  we  must  let  those 
         error.                              organizations  know  when  the  matter  has  been  settled 
      ?  Description of problem: If you think there is an error  between us. 
         on your bill, describe what you believe is wrong and   
         why you believe it is a mistake.     If we do not follow all of the rules above, you do not have 
       You must contact us:                  to pay the first $50 of the amount you question even if your 
                                             bill is correct. 
      ?  Within 60 days after the error appeared on your 
                                               
         statement. 
                                              Your Rights If You Are Dissatisfied With Your Credit 
      ?  At least 3 business days before an automated 
                                             Card Purchases 
         payment is scheduled, if you want to stop payment 
                                              If you are dissatisfied with the goods or services that you 
         on the amount you think is wrong. 
                                             have purchased with your credit card and you have tried in 
    You  must  notify  us  of  any  potential  errors  in  writing  [or 
                                             good faith to correct the problem with the merchant, you 
    electronically].  You may call us, but if you do we are not 
                                             may have the right not to pay the remaining amount due on 
    required to investigate any potential  errors and you may 
                                             the purchase. 
    have to pay the amount in question. 
                                               
      
                                              To use this right, all of the following must be true: 
    What Will Happen After We Receive Your Letter 
                                              1. The purchase must have been made in your home state 
     When we receive your letter, we must do two things: 
                                             or within 100 miles of your current mailing address, and the 
     1. Within 30 days of receiving your letter, we must tell you 
                                             purchase price must have been more than $50.  (Note: 
    that we received your letter.  We will also tell you if we have 
                                             Neither of these are necessary if your purchase was based 
    already corrected the error. 
                                             on an advertisement we mailed to you, or if we own the 
     2. Within 90 days of receiving your letter, we must either 
                                             company that sold you the goods or services.) 
    correct the error or explain to you why we believe the bill is 
                                              2. You must have used your credit card for the purchase.  
    correct.  While we investigate whether or not there has 
                                             Purchases made with cash advances from an ATM or with a 
    been an error: 
                                             check that accesses your credit card account do not qualify. 
      
                                              3. You must not yet have fully paid for the purchase. 
       ?  We cannot try to collect the amount in question, or 
                                              
         report you as delinquent on that amount. 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
       ?  The charge in question may remain on your 
                                             dissatisfied with the purchase, contact us in writing at: 
         statement, and we may continue to charge you 
                                               Bank of the West  
         interest on that amount. 
                                               BankCard Customer Service Department 
       ?  While you do not have to pay the amount in 
                                               PO Box 2319 
         question, you are responsible for the remainder of 
                                               Omaha, NE 68172-9793 
         your balance. 
                                             While we investigate, the same rules apply to the disputed 
       ?  We can apply any unpaid amount against your 
                                             amount  as  discussed  above.   After  we  finish  our 
         credit limit. 
                                             investigation, we will tell you our decision.  At that point, if 
      
                                             we think you owe an amount and you do not pay, we may 
     After we finish our investigation, one of two things will 
                                             report you as delinquent. 
    happen: 
                                              
      
                                             NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
       ?  If we made a mistake: You will not have to pay the  Credit Card Agreement is subject to all claims and defenses 
         amount in question or any interest or other fees  which the debtor could assert against the seller of goods or 
         related to that amount.             services  obtained  pursuant  hereto  or  with  the  proceeds 
       ?  If we do not believe there was a mistake: You will  hereof.  Recovery hereunder by the debtor shall not exceed 
         have to pay the amount in question, along with  amounts paid by the debtor hereunder. 
         applicable interest and fees.  We will send you a 
    BW-CCAG (REV.  02/2016)  
                                                                         M-117468 
                                                                         Rev. 01/2016 
      
                                                                          
                       Account Opening Disclosure � 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 19.24%.  This APR will vary with the market based   
                              on the Prime Rate.  
     APR for Balance Transfers  19.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment  
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     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 $5 or 3% 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 $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (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. 
      
     Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
     60 days past the Payment Due Date. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement.   
      
     Continued on next page. 
                                                                                  
                                                                         M-117468 
                                                                         Rev. 01/2016 
      
                                                                          
     Late Payment fee for Iowa residents is $15.  For other states the fee is $25 for the first violation and $35 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 $19.95.  For other states the fee is $25 for the first violation and $35 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. 
       
      In South Dakota, Bank of the West operates under the name of Bank of the West California. 
       
      
                                                                                  
     
                                                                                   
                                                   CREDIT CARD AGREEMENT  
                                                                       (Personal Accounts) 
                                             
                                        ?
     By  requesting  or  accepting  any  Platinum  MasterCard ,  required to authorize transactions for an amount in excess 
              ?                       ?
    Platinum  Visa ,  Platinum  Rewards  MasterCard ,  or  of your Credit Limit. 
                   ?
    Platinum Rewards Visa  account (individually or collectively  3. Temporary  Reduction  of  Credit  Limit.  Merchants, 
    called �Credit Card account� or �Account�) with Bank of the  such as car rental companies and hotels, may request prior 
    West,  you  agree  to  be  bound  by  all  the  terms  of  this  credit approval from us for an estimated amount of your 
    Agreement. In this Agreement, the words �you� or �your�  Purchases, even if you ultimately do not pay by credit. If our 
    mean everyone who has requested or accepted a Credit  approval  is  granted,  your  available  Credit  Limit  will 
    Card account with us. The words �we,� �us,� �our,� or �Bank�  temporarily be reduced by the amount authorized by us.  If 
    mean  Bank  of  the  West.   If  you  do  not  accept  this  you do not ultimately use your Credit Card account to pay 
    Agreement, you must notify us in writing within 5 days after  for your Purchases or if the actual amount of Purchases 
    receipt.  Use of your card or any feature (including a balance  posted  to  your  Credit  Card  account  varies  from  the 
    transfer)  of  your  Credit  Card  Agreement  shall  constitute  estimated amount approved by us, it is the responsibility of 
    acceptance of this Agreement.            the merchant, not us, to cancel the prior credit approval 
     1. Use.  Your  Platinum  MasterCard,  Platinum  Visa,  based on the estimated amount. The failure of the merchant 
    Platinum Rewards MasterCard, or Platinum Rewards Visa  to cancel a prior credit approval may result in a temporary 
    card (individually or collectively called �Card�) may be used  reduction of your available Credit Limit, but will not increase 
    as a credit card for purchases of goods or services from  the amount you owe us under this Agreement. 
    participating  merchants  (�Purchases�)  or  to  get  Cash  4. Agreement to Pay. When you use your Card or Credit 
    Advances from us or any other financial institution displaying  Card account, or when you permit anyone to use it, you 
    the �MasterCard� or �Visa� logo, or to purchase certain items  agree  to  pay  the  amount  of  any  and  all  transactions 
    such as traveler's cheques, foreign currency, money orders,  (including any which may have been made in violation of this 
    wire transfers, lottery tickets, and (except as noted below)  Agreement), and the INTEREST CHARGES, and fees that 
    funds to be used for wagers or gambling (all of which are  may become due as shown on the periodic statement. You 
    collectively  referred  to  as  �Cash  Advances�)  up  to  your  agree  that  we  may  change  or  cancel  your  Credit  Card 
    Credit Limit; provided, however, you may not use your Card  Account at any time without affecting your obligation to pay 
    (i) to make Purchases or obtain Cash Advances for any  the amounts that you owe under this Agreement.  
    illegal transaction, or (ii) for any internet or online gambling  5. Periodic Statement. Each month we will send you a 
    transactions.  Transactions for online or internet gambling  periodic statement for each Credit Card account you have 
    will not be approved.  If you use your Card for any illegal or  with us covering the previous billing period. We may not 
    prohibited transaction, this Agreement also applies to such  send you a statement if your balance is less than $1 and 
    transaction  and  you  agree  to  pay  any  and  all  amounts  there were no transactions during the billing period. The 
    related to such transaction pursuant to the terms of this  statement will have a �Statement Period Date�, �Statement 
    Agreement. We may, in our sole discretion, restrict the use  Closing Date� and a �Payment Due Date,� and will show, 
    of or terminate your Card if we notice excessive use of your  among other things, your �Previous Balance,� your �New 
    Card  or  other  suspicious  activities  or  if  we  reasonably  Balance,� and your minimum monthly payment, which will be 
    believe the Card is or has been used for one or more illegal  shown as �Minimum Payment Due.� 
    or  prohibited  transactions.  You  can  also  obtain  a  Cash  6. Payment. You must make a payment by the �Payment 
    Advance  by  writing  a  special  MasterCard  or  Visa  check  Due Date.� You have two choices: You may pay the entire 
    (�Convenience Check�).  The Cash Advance will be posted  �New Balance� or you may pay in installments by paying at 
    to your Credit Card account when the Convenience Check  least the �Minimum Payment Due.� When your payment is 
    reaches us. If you stop payment on a Convenience Check,  properly received, we will allocate your payment in a manner 
    your  Credit  Card  account  will  be  charged  $16.00 (or as  we determine except as otherwise required by law.  The 
    permitted by law) for each stop payment. We may designate  Minimum  Payment  is  applied  first  to  fees,  then  to 
    that only a portion of your Credit Limit is available for Cash  INTEREST CHARGES and finally to principal. We apply the 
    Advances. In addition, you may request that we pay other  Minimum Payment to balances with lower APRs, including 
    creditors on your behalf and transfer approved amounts to  introductory  APRs,  before  balances  with  higher  APRs. 
    your Account (�Balance Transfers�).      Payments made in excess of the Minimum Payment will be 
     Your  Card  may  also  be  used  in  certain  automated  applied first to balances with the highest Annual Percentage 
    terminals to gain access to your Credit Card accounts. We  Rate and then to each successive balance bearing the next 
    have  no  responsibility  for  the  failure  of  any  machine,  highest Annual Percentage Rate.  
    merchant, financial institution, or any other party to honor    Payments  must  be  mailed  to  the  BankCard  Center 
    your Card. Your Card and Credit Card account may be used  address  specified  in  your  periodic  statement.  Payments 
    only  for  valid  and  lawful  purposes.  If  you  use  or  allow  must  reach  our  BankCard  Center  during  our  regular 
    someone else to use the Card or Credit Card account for  business day in order to be credited on that date.  Payments 
    any other purpose, you will be responsible for such use and  received after the cutoff times of 5:00 p.m. PT are credited 
    may  be  required  to  reimburse  us  for  all  amounts  or  as of the following business day. If you make a payment by 
    expenses we pay as a result of such use.  any means other than mail to our BankCard Center crediting 
     2. Credit Limit.  We will notify you of the Credit Limit for  of the payment may be delayed.  If you fail to properly make 
    each Credit Card account you have with us. You agree that  payments, crediting such payments may be delayed. Your 
    your total charges, including Purchases, Cash Advances,  total available credit may not be restored for up to 15 days 
    Balance Transfers, INTEREST CHARGES, and fees that  after we receive your payment.    
    may be due will not exceed your Credit Limit. If you do go    If a payment is returned to us for any reason, we may 
    over your Credit Limit, you must repay the excess amount  apply a Returned Payment Fee of $25 for the first violation 
    immediately, and we may reduce the available Credit Limit  and $35 for each subsequent violation within the next six 
    of any other Credit Card account you have with us until such  billing cycles. The Returned Payment Fee for Iowa residents 
    time  the  excess  amount  is  repaid.  You  may  apply  to  is $19.95.  If the Returned Payment Fee is greater than the 
    increase  your  Credit  Limit  at  any  time  but  we  are  not  Minimum  Payment  Due,  the  fee  will  be  equal  to  the 
    obligated  to  increase  your  Credit  Limit  at  any  time.  Minimum Payment Due.  
    Furthermore, we reserve the right to lower your Credit Limit    From time to time, we may let you skip or reduce one or 
    at any time. For security reasons, we may limit the number  more  monthly  payments  during  a  year  and/or  we  may 
    or amount of transactions that may be accomplished with  temporarily  reduce  or  eliminate  certain  INTEREST 
    your Card or Credit Card account, and we have the right to  CHARGES on all or a portion of your Credit Card account 
    limit authorizations to make transactions if we consider it  balance or offer you other special terms. If we do, we will 
    necessary to verify Payments received on your Credit Card  advise you of the scope and duration of the applicable skip 
    account.  If we accept a payment from you in excess of your  or  promotional  feature.  When  the  skip  or  promotional 
    outstanding balance, your available Credit Limit will not be  feature ends, your regular rates and all the terms of the 
    increased by the amount of the overpayment nor will we be  Agreement will resume. 
    BW-CCAG (REV.  02/2016)  
      
     7. Minimum Payment- Late Payment Fee. At least the  the Current Index plus a �Rate Spread� of 15.74 percentage 
    amount of the �Minimum Payment Due� must be received by  points.  The  interest  rate  for  Purchases  (after  the 
    us by the �Payment Due Date.� If it is not, we may apply a  Introductory  Period)  and  Balance  Transfers  on  your 
    Late Payment fee of $25 for the first violation and $35 for  Platinum Credit Card account is based on a variable rate 
    each subsequent violation within the next six billing cycles.   equal to the sum of the Current Index plus a �Rate Spread� 
    The Late Payment fee for Iowa residents is $15.  If the Late  of  13.74  percentage  points.  The  interest  rate  for  Cash 
    Payment fee is greater than the Minimum Payment Due, the  Advances on your Account is based on a variable rate equal 
    fee will be equal to the Minimum Payment Due.  If such  to the sum of the Current Index plus a �Rate Spread� of 
    charge would result in an INTEREST CHARGE greater than  21.74 percentage points. Immediately before each Change 
    the  maximum  allowed  by  law,  we  will  only  charge  the  Date we will determine the new interest rate by adding the 
    maximum allowable rate. Your Minimum Payment Due will  Rate Spread to the Current Index. The new interest rate will 
    be 3% of the New Balance plus any Late Payment fee (with  become effective at the start of your first billing cycle after 
    a minimum of the lesser of $25 or your New Balance) and  the Change Date. Only one Annual Percentage Rate and 
    any amount over your credit limit and past due amount.  Daily  Periodic  Rate  will  be  in  effect  for  each  Balance 
                                             Category during the billing period. The Annual Percentage 
     8. How to Avoid Paying Interest on Purchases. There 
                                             Rate will not exceed the maximum rate permitted by law. 
    may  be  different  treatment  of  INTEREST  CHARGES  for 
                                             The effect of any increase in the Annual Percentage Rate 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             and  the  Daily  Periodic  Rate  would  be  to  increase  the 
    though they are computed the same way. You may avoid 
                                             amount of INTEREST CHARGE or interest you must pay 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             and thus increase your monthly payments. 
    the entire New Balance by the Payment Due Date. If we do 
                                              10.  Transaction  Fees.  You  also  agree  to  pay  us  the 
    not receive the entire New Balance by the Payment Due 
                                             appropriate fees listed below (as permitted by applicable 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             law) which may be amended from time to time by us. You 
    Purchases  from  the  date  of  the  transaction.  INTEREST 
                                             authorize us to charge your Credit Card account for the 
    CHARGES on all other balances, including Cash Advances 
                                             following fees due to us. Balance Transfer fee: 3.00% of 
    and Balance Transfers, begin on the transaction date and 
                                             each balance transferred, $5 minimum. Cash Advance fee: 
    will be assessed even if your entire New Balance is paid by 
                                             4.00% of each Cash Advance, $10 minimum.  
    the Payment Due Date. 
                                              11.   Foreign  Transaction  Fee.  Transactions  that  you 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             make in a foreign currency or that you make outside of the 
    INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             United States of America even if it is made in U.S. dollars 
    applying the periodic rate to the �Average Daily Balance� of 
                                             are  considered  foreign  transactions.   If  you  make  a 
    each  Balance  Category  on  the  Credit  Card  account, 
                                             transaction in a foreign currency it will be billed to you in 
    including current transactions. Balance Categories include 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
    Purchases,  Balance  Transfers,  Cash  Advances, 
                                             determined by Visa International or MasterCard International 
    Introductory Rates and any special rate offers we may make 
                                             in accordance with their operating regulations or conversion 
    available from time to time.  If you are charged interest, the 
                                             procedures  in  effect  at  the  time  the  transaction  is 
    charge will be no less than $1.00 (the minimum interest 
                                             processed.  Currently,  their  regulations  and  procedures 
    charge will appear as �Minimum Charge� in the fees section 
                                             provide that the currency conversion rate they use is either 
    of your statement).  
                                             (1) a government-mandated rate or (2) a wholesale market 
       a. Average Daily Balance.  To obtain the daily balance 
                                             rate, whichever is applicable, in effect one day prior to the 
    for each Balance Category we take the beginning balance 
                                             processing  date.  We  do  not  determine  the  currency 
    each  day  and  add  new  transactions  applicable  to  each 
                                             conversion  rate  which  is  used.   You  agree  to  pay  the 
    category, and subtract any payments, credits, and refunds 
                                             converted  amount  in  U.S.  funds.  In  addition,  Visa  or 
    applied  to  the  category.   To  figure  your  Average  Daily 
                                             MasterCard  will  charge  us  (the  Bank)  an  international 
    Balance for each Balance Category, we add all your daily 
                                             transaction fee, currently equal to one percent (1.00%) of 
    balances and divide by the number of days in the billing 
                                             the transaction amount. We will charge you the international 
    period. 
                                             transaction  fee  imposed  on  us  plus  an  additional  two 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             percent  (2.00%)  of  the  transaction  amount  whether  that 
    INTEREST  CHARGE  for  each  Balance  Category  by 
                                             transaction was originally made in U.S. dollars or was made 
    multiplying these Average Daily Balances by the applicable 
                                             in another currency and converted to U.S. dollars.  These 
    Daily Periodic Rate, and then we multiply the result by the 
                                             two  fees  will  be  aggregated  and  shown  as  one  Foreign 
    number of days in the billing period. To determine the Daily 
                                             Transaction Fee on your statement. 
    Periodic  Rate  for  each  Balance  Category,  we  divide  the 
                                              12.  Other Fees. As allowed by law, we may charge, and 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             you agree to pay, fees for certain services or requests made 
    billing period by 365 (366 for leap year). The way we get the 
                                             by you, such as but not limited to: Automated Teller Machine 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             (�ATM�) transactions conducted at machines not operated 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             by us, requests for copies of billing statements, sales drafts, 
       c.  Fixed Rate. For the first six months (�Introductory 
                                             or  other  records  of  your  Account,  or  if  you  request  a 
    Period�) your interest rate for Purchases on your Account is 
                                             replacement card(s).  However, we will not charge fees for 
    equal  to  0.00%  APR;  thereafter,  your  interest  rate  for 
                                             copies of documents requested for a billing dispute.  These 
    Purchases  will  apply.   There  is  no  introductory  rate  for 
                                             fees may change from time to time.  We will inform you of 
    Balance Transfers or Cash Advances.  
                                             the fee(s) that you will incur prior to when the applicable 
       d. Variable Rate. The current Annual Percentage Rate 
                                             service(s) is(are) provided or when you make the request(s), 
    for  all  variable  rates  is  shown  on  the  Account  Opening 
                                             as applicable. You authorize us to charge your Credit Card 
    Disclosure  which  has  been  provided  to  you  with  this 
                                             account for any such fees that you incur. We reserve the 
    Agreement. The Daily Periodic Rate and the corresponding 
                                             right to waive a fee from time to time but a waiver does not 
    Annual Percentage Rate may change each month on the 
                                             mean we will continue to waive such fee in the future.  
    first day of each of your billing cycles. Each date on which 
                                               13.  Default. We may declare the entire balance for all 
    the rate of interest could change is called a �Change Date.� 
                                             Credit  Card  accounts  due  and  payable  at  once  with  or 
    Changes will be based on changes in the �Index.� The Index 
                                             without notice or demand if any of these events (a �Default�) 
    is the highest Prime Rate published in the �Money Rates� 
                                             happens: 
    table of The Wall Street Journal. If the Index is no longer 
                                               a. If you miss a payment under this Agreement or any 
    available, we will choose a new index which is based upon 
                                             other obligation you owe us; or 
    comparable  information  and  will  give  you  notice  of  our 
                                               b. If you violate any terms of this Agreement. 
    choice. The Index figure published on the second Tuesday 
                                               If you are in Default, we may terminate your Credit Card 
    (or on the next business day if the second Tuesday is a 
                                             account, make no more additional loans, and require you to 
    holiday)  each  month  is  called  the  �Current  Index.�  The 
                                             immediately repay the entire unpaid balance of all amounts 
    interest rate for Purchases (after the Introductory Period) 
                                             due on your Credit Card account, including but not limited to 
    and Balance Transfers on your Platinum Rewards Credit 
                                             all loan amounts, late charges and other charges assessed 
    Card account is based on a variable rate equal to the sum of 
    BW-CCAG (REV.  02/2016)  
      
    but not paid, and all of the INTEREST CHARGES accrued  You may be liable for the unauthorized use of your Card 
    but not paid. If we terminate your Credit Card account, your  as a credit card. You will not be liable for unauthorized use 
    obligation to repay the amounts you already owe us would  of your Card as a credit card which occurs after you notify 
    continue.                                us at the telephone number or address stated in paragraph 
       At  our  option,  we  may  also  take  action  short  of  16, orally or in writing, of loss, theft, or possible unauthorized 
    terminating  your  Credit  Card  account.  If  your  required  use. In any case, your liability for unauthorized use of your 
    minimum payment (shown on your periodic statement as  Card as a credit card will not exceed $50.00. 
    �Minimum Payment Due�) is not received within 60 days of  16.  Where to Call or Write. If you believe your Card has 
    the  Payment  Due  Date,  your  ANNUAL  PERCENTAGE  been lost or stolen or that someone is using your Card or 
    RATE for all balances will be a variable rate equal to the  Credit  Card  account  without  your  permission,  call: 
    sum of the Current Index plus a �Rate Spread� of 26.74  1-800-996-2638 (for TTY/TDD call 1-800-659-5495) or write 
    percentage points (Penalty Rate). You will be provided with  to: Bank of the West, BankCard Security Department, PO 
    a notice 45 days in advance of the effective date of the  Box 2078, Omaha, NE 68103-2078. 
    change in Annual Percentage Rate.  Your payments under  17.  Our Business Days. Our business days are Monday 
    this  Agreement,  including  the  amount  of  the  INTEREST  through Friday, except for bank holidays. 
    CHARGE, will increase as a result of the increase in your  18.  Credit Investigation and Disclosure. You authorize 
    ANNUAL PERCENTAGE RATE, and any such increase in  us, both now and in the future, to check your credit and 
    your ANNUAL PERCENTAGE RATE will be shown on your  employment history and to release information about our 
    next periodic statement. We will reinstate your Daily Periodic  credit experience with you in response to legitimate credit 
    Rate and ANNUAL PERCENTAGE RATE to the rate set  inquiries. If you believe that we have incorrect information or 
    forth in this Agreement once you have made at least your  have reported inaccurate information about you to a credit 
    Minimum  Payment  Due  for  six  (6)  consecutive  billing  bureau, please call us at 1-800-996-2638 (for TTY/TDD call 
    periods  immediately  following  the  effective  date  of  the  1-800-659-5495).   As  required  by  law,  you  are  hereby 
    Penalty Rate.  If we take such lesser action initially, we  notified that a negative credit report reflecting on your credit 
    reserve the right to terminate your Credit Card account and  history may be submitted to a credit reporting agency if you 
    accelerate all amounts due under this Agreement regardless  fail to fulfill the terms of your credit obligations. 
    of whether any additional events have occurred which would  19.  Security  Interest.  We  have  no  security  for  any 
    permit termination and acceleration.     amounts which become due under this Agreement, even 
     14.  Automated Terminal Services        though any other agreement you may have with us, such as 
       a. Automated Terminals. You may use your Card in  a mortgage, may provide for such a security interest, unless 
    the 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  20.  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�).                         21.  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 
    account.                                 understand that any one of you can make Purchases, get 
           (b) Get your Credit Card account balances. These  Cash 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  22.  No Waiver of Rights. If we choose to waive any of 
    in subparagraphs (a) and (b) may not be available at all  the 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  it does not mean that we have waived, or given up, our right 
    purchase will automatically be charged to your Credit Card  to  exercise  any  of  our  rights  or  remedies  under  this 
    account as 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  amounts due to us under this Agreement. No indulgence or 
    the West Automated Terminal up to an aggregate amount of  acceptance  by  us  of  delinquent  or  partial  payments 
    $500 each calendar day, provided that this amount does not  constitute a waiver of our rights or of any provision of this 
    exceed your Credit Limit. This amount may be less for Cash  Agreement.  No  waiver  of  any  existing  default  shall  be 
    Advances from Network ATMs.              deemed to waive any subsequent default. 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  23. Changing Terms. We can change, add to, delete or 
    responsible for all transactions in which you use your Card  otherwise modify the terms of this Agreement at any time in 
    in an automated terminal, or the use of the Card by anyone  any way permitted by law.  We will send you a notice of 
    else who uses it with your permission. Security in use of the  change at least 45 days (or as required by applicable law) 
    Card is provided by the secret code, which we will provide  before the effective date of the change. We do not have to 
    you,  and  the  magnetically  encoded  stripe  on  the  Card.  send you an advance notice of the change if it favors you, 
    Please keep the Card safe and also protect the secret code.  such as by reducing rates, or increasing the maximum credit 
    Use the Card and the secret code as instructed at all times.  limit.  Except in cases where we are changing terms due to 
    Please notify us of any mechanical or operating failure in  the Minimum Payment Due not being received within 60 
    connection with the use of your Card. Do not permit anyone  days of the Payment Due Date, you agree that the change 
    else to use your Card and do not disclose your secret code  may cover all transactions made 15 days after we mail the 
    or record it on the Card. The Card remains the property of  notice.  If you do not agree to the change, a method for 
    the Bank and can be revoked and repossessed at any time.  rejecting  the  change  and  closing  the  account  will  be 
    You must return it to us when asked.     provided in the Change of Terms Notice.   You agree that if 
       e. Fees  for  Using  Automated  Terminal  Services.  you use your card after the effective date of the change, this 
    Fees may be charged for transactions made at automated  will constitute your agreement with the change.  
    teller  machines  not  operated  by  us  as  described  in  24.  Canceling  this  Agreement.  We  have  the  right to 
    paragraph 12-Other Fees.                 cancel this Agreement at any time by sending a notice to 
     15.  Lost  or  Stolen  Card;  Your  Liability  for  any one of you in writing. You also have the same right to 
    Unauthorized Use. Tell us AT ONCE if you believe your  cancel this Agreement at any time by sending us a notice in 
    Card has been lost or stolen. Telephoning is the best way of  writing or calling the BankCard Center at 1-800-996-2638 
    keeping your possible losses down.       (for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is 
    BW-CCAG (REV.  02/2016)  
      
    canceled by you or us, your obligation is to repay amounts  You  agree  that  we,  any  of  our  affiliates,  agents, 
    you already owe under this Agreement.  In either case, the  independent contractors or service providers may monitor 
    account will be closed and you will no longer have access to  and record telephone calls regarding your banking services 
    the account.                             to assure the quality of our service or for other reasons. You 
     25.  Governing Law. This Agreement will be governed by  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
    the  laws  of  the  State  of  Nebraska,  and,  as  applicable,  independent  contractors  or  service  providers  may  use 
    federal law, regardless of where the transactions are made.  written, electronic, or verbal means, or  any other medium, 
     26.  Monitoring/Recording  Telephone  Calls.  Our  as permitted by law and including, but not limited to, mail 
    supervisory  personnel  may  listen  to  and  record  your  and facsimile, to contact you. Your consent includes, but is 
    telephone  calls  to  us  for  the  purpose  of  monitoring  and  not  limited  to,  contact  by  manual  calling  methods, 
    improving the quality of service you receive.  prerecorded or artificial voice messages, text messages, e-
     27.  Severability.  All other provisions of this Agreement  mails  and/or  automatic  telephone  dialing  systems.  You 
    shall remain in full force even if one or more provisions of  agree that we, any of our affiliates, agents, independent 
    this  Agreement  are  held  invalid,  illegal,  void  or  contractors or service providers may contact you by using 
    unenforceable by any rule or law, administrative order or  any e-mail or any telephone number you provide, including a 
    judicial decision.                       telephone  number  for  a  cellular  phone  or  other  wireless 
     28.  Our Communications with You        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  statement of the amount you owe and the date 
    If you think there is an error on your statement, write to us  payment is due.  We may then report you as 
    at:                                           delinquent if you do not pay the amount we think 
              Bank of the West                    you owe. 
              BankCard Customer Service Department   
              PO Box 2319                     If you receive our explanation but still believe your bill is 
              Omaha, NE 68172-9793           wrong, you must write to us within 10 days telling us that you 
       In your letter, give us the following information:  still refuse to pay.  If you do so, we cannot report you as 
      ?  Account information: Your name and account  delinquent without also reporting that you are questioning 
         number.                             your bill.  We must tell you the name of anyone to whom we 
      ?  Dollar amount: The dollar amount of the suspected  reported  you  as  delinquent,  and  we  must  let  those 
         error.                              organizations  know  when  the  matter  has  been  settled 
      ?  Description of problem: If you think there is an error  between us. 
         on your bill, describe what you believe is wrong and   
         why you believe it is a mistake.     If we do not follow all of the rules above, you do not have 
       You must contact us:                  to pay the first $50 of the amount you question even if your 
                                             bill is correct. 
      ?  Within 60 days after the error appeared on your 
                                               
         statement. 
                                              Your Rights If You Are Dissatisfied With Your Credit 
      ?  At least 3 business days before an automated 
                                             Card Purchases 
         payment is scheduled, if you want to stop payment 
                                              If you are dissatisfied with the goods or services that you 
         on the amount you think is wrong. 
                                             have purchased with your credit card and you have tried in 
    You  must  notify  us  of  any  potential  errors  in  writing  [or 
                                             good faith to correct the problem with the merchant, you 
    electronically].  You may call us, but if you do we are not 
                                             may have the right not to pay the remaining amount due on 
    required to investigate any potential  errors and you may 
                                             the purchase. 
    have to pay the amount in question. 
                                               
      
                                              To use this right, all of the following must be true: 
    What Will Happen After We Receive Your Letter 
                                              1. The purchase must have been made in your home state 
     When we receive your letter, we must do two things: 
                                             or within 100 miles of your current mailing address, and the 
     1. Within 30 days of receiving your letter, we must tell you 
                                             purchase price must have been more than $50.  (Note: 
    that we received your letter.  We will also tell you if we have 
                                             Neither of these are necessary if your purchase was based 
    already corrected the error. 
                                             on an advertisement we mailed to you, or if we own the 
     2. Within 90 days of receiving your letter, we must either 
                                             company that sold you the goods or services.) 
    correct the error or explain to you why we believe the bill is 
                                              2. You must have used your credit card for the purchase.  
    correct.  While we investigate whether or not there has 
                                             Purchases made with cash advances from an ATM or with a 
    been an error: 
                                             check that accesses your credit card account do not qualify. 
      
                                              3. You must not yet have fully paid for the purchase. 
       ?  We cannot try to collect the amount in question, or 
                                              
         report you as delinquent on that amount. 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
       ?  The charge in question may remain on your 
                                             dissatisfied with the purchase, contact us in writing at: 
         statement, and we may continue to charge you 
                                               Bank of the West  
         interest on that amount. 
                                               BankCard Customer Service Department 
       ?  While you do not have to pay the amount in 
                                               PO Box 2319 
         question, you are responsible for the remainder of 
                                               Omaha, NE 68172-9793 
         your balance. 
                                             While we investigate, the same rules apply to the disputed 
       ?  We can apply any unpaid amount against your 
                                             amount  as  discussed  above.   After  we  finish  our 
         credit limit. 
                                             investigation, we will tell you our decision.  At that point, if 
      
                                             we think you owe an amount and you do not pay, we may 
     After we finish our investigation, one of two things will 
                                             report you as delinquent. 
    happen: 
                                              
      
                                             NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
       ?  If we made a mistake: You will not have to pay the  Credit Card Agreement is subject to all claims and defenses 
         amount in question or any interest or other fees  which the debtor could assert against the seller of goods or 
         related to that amount.             services  obtained  pursuant  hereto  or  with  the  proceeds 
       ?  If we do not believe there was a mistake: You will  hereof.  Recovery hereunder by the debtor shall not exceed 
         have to pay the amount in question, along with  amounts paid by the debtor hereunder. 
         applicable interest and fees.  We will send you a 
    BW-CCAG (REV.  02/2016)  
                                                                         M-117470 
                                                                         Rev. 01/2016 
      
                                                                          
                  Account Opening Disclosure �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 7.40%.  This APR will vary with the market based on  
                              the Prime Rate.  
     APR for Balance Transfers  7.40%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment    
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     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 
                              1
     Annual Fee           $295    
     Transaction Fees      
                           
        �  Balance Transfer   Either $5 or 3% 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   1% of the U.S. Dollar amount of each such transaction.  
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (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. 
       
      Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
      60 days past the Payment Due Date.   
       
      Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
      Credit Card Agreement. 
       
      Continued on next page. 
                                                                         M-117470 
                                                                         Rev. 01/2016 
      
                                                                          
      
     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 $15.  For other states the fee is $25 for the first violation and $35 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 $19.95.  For other states the fee is $25 for the first violation and $35 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. 
      
     In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
      
                                  
                                                   CREDIT CARD AGREEMENT  
                                                                  TM      �
                                                (Wealth Management World Elite  MasterCard  Credit Card) 
                                             
    The terms of the Bank of the West Wealth Management  or amount of transactions that may be accomplished with 
    World  Elite  MasterCard  Credit  Card  are  available  to  the  your Card or Credit Card account, and we have the right to 
    Bank�s Wealth Management clients.        limit authorizations to make transactions if we consider it 
                                             necessary to verify Payments received on your Credit Card 
    By requesting or accepting any Wealth Management World  account.  If we accept a payment from you in excess of your 
    Elite  MasterCard  Credit  Card  account  (individually  or  outstanding balance, your available Credit Limit will not be 
    collectively called �Credit Card account� or �Account�) with  increased by the amount of the overpayment nor will we be 
    Bank of the West, you agree to be bound by all the terms of  required to authorize transactions for an amount in excess 
    this Agreement. In this Agreement, the words �you� or �your�  of your Credit Limit. 
    mean everyone who has requested or accepted a Credit  3. Temporary  Reduction  of  Credit  Limit.   Some 
    Card account with us. The words �we,� �us,� �our,� or �Bank�  merchants (for example, car rental companies and hotels) 
    mean  Bank  of  the  West.   If  you  do  not  accept  this  may request prior credit approval from us for an estimated 
    Agreement, you must notify us in writing within 5 days after  amount of your Purchases, even if you ultimately do not pay 
    receipt.  Use of your card or any feature (including a balance  by credit. If our approval is granted, your available Credit 
    transfer)  of  your  Credit  Card  Agreement  shall  constitute  Limit will temporarily be reduced by the amount authorized 
    acceptance of this Agreement.            by us. If you do not ultimately use your Credit Card account 
     1. Use. Your Wealth Management World Elite MasterCard  to  pay  for  your  Purchases  or  if  the  actual  amount  of 
    Credit Card (individually or collectively called �Card�) may be  Purchases posted to your Credit Card account varies from 
    used as a credit card for purchases of goods or services  the estimated amount approved by us, it is the responsibility 
    from participating merchants (�Purchases�) or to get Cash  of the merchant, not us, to cancel the prior credit approval 
    Advances from us or any other financial institution displaying  based on the estimated amount. The failure of the merchant 
    the �MasterCard� logo, or to purchase certain items such as  to cancel a prior credit approval may result in a temporary 
    traveler's  cheques,  foreign  currency,  money  orders,  wire  reduction of your available Credit Limit, but will not increase 
    transfers, lottery tickets, and (except as noted below) funds  the amount you owe us under this Agreement. 
    to  be  used  for  wagers  or  gambling  (all  of  which  are  4. Agreement to Pay. When you use your Card or Credit 
    collectively  referred  to  as  �Cash  Advances�)  up  to  your  Card account, or when you permit anyone to use it, you 
    Credit Limit; provided, however, you may not use your Card  agree  to  pay  the  amount  of  any  and  all  transactions 
    (i) to make Purchases or obtain Cash Advances for any  (including any which may have been made in violation of this 
    illegal transaction, or (ii) for any internet or online gambling  Agreement), and the INTEREST CHARGES and fees that 
    transactions. Transactions for online or internet gambling  may become due as shown on the periodic statement. You 
    will not be approved.  If you use your Card for any illegal or  agree  that  we  may  change  or  cancel  your  Credit  Card 
    prohibited transaction, this Agreement also applies to such  Account at any time without affecting your obligation to pay 
    transaction  and  you  agree  to  pay  any  and  all  amounts  the amounts that you owe under this Agreement.  
    related to such transaction pursuant to the terms of this  5. Periodic Statement. Each month we will send you a 
    Agreement. We may, in our sole discretion, restrict the use  periodic statement for each Credit Card account you have 
    of or terminate your Card if we notice excessive use of your  with us covering the previous billing period. We may not 
    Card  or  other  suspicious  activities  or  if  we  reasonably  send you a statement if your balance is  less than $1 and 
    believe the Card is or has been used for one or more illegal  there were no transactions during the billing period.  The 
    or  prohibited  transactions.  You  can  also  obtain  a  Cash  statement will have a �Statement Period Date�, �Statement 
    Advance  by  writing  a  special  MasterCard  check  Closing Date� and a �Payment Due Date,� and will show, 
    (�Convenience Check�). The Cash Advance will be posted  among other things, your �Previous Balance,� your �New 
    to your Credit Card account when the Convenience Check  Balance,� and your minimum monthly payment, which will be 
    reaches us. If you stop payment on a Convenience Check,  shown as �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  Minimum  Payment  is  applied  first  to  fees,  then  to 
    terminals to gain access to your Credit Card accounts. We  INTEREST CHARGES and finally to principal. We apply the 
    have  no  responsibility  for  the  failure  of  any  machine,  Minimum Payment to balances with lower APRs, including 
    merchant, financial institution, or any other party to honor  introductory  APRs,  before  balances  with  higher  APRs. 
    your Card. Your Card and Credit Card account may be used  Payments made in excess of the Minimum Payment will be 
    only  for  valid  and  lawful  purposes.  If  you  use  or  allow  applied first to balances with the highest Annual Percentage 
    someone else to use the Card or Credit Card account for  Rate and then to each successive balance bearing the next 
    any other purpose, you will be responsible for such use and  highest Annual Percentage Rate. 
    may  be  required  to  reimburse  us  for  all  amounts  or    Payments  must  be  mailed  to  the  BankCard  Center 
    expenses we pay as a result of such use.   address  specified  in  your  periodic  statement.  Payments 
     2. Credit Limit. We will notify you of the Credit Limit for  must  reach  our  BankCard  Center  during  our  regular 
    each Credit Card account you have with us. You agree that  business day in order to be credited on that date.  Payments 
    your total charges, including Purchases, Cash Advances,  received after the cutoff times of 5:00 p.m. PT are credited 
    Balance Transfers, INTEREST CHARGES, and fees that  as of the following business day. If you make payment by 
    may be due will not exceed your Credit Limit. If you do go  any means other than mail to our BankCard Center crediting 
    over your Credit Limit, you must repay the excess amount  of the payment may be delayed.  If you fail to properly make 
    immediately, and we may reduce the available Credit Limit  payments, crediting such payments may be delayed.  Your 
    of 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  after we receive your payment.   
    increase  your  Credit  Limit  at  any  time  but  we  are  not  If a payment is returned to us for any reason, we may 
    obligated  to  increase  your  Credit  Limit  at  any  time.  apply a Returned Payment Fee of $25 for the first violation 
    Furthermore, we reserve the right to lower your Credit Limit  and $35 for each subsequent violation within the next six 
    at any time. For security reasons, we may limit the number  billing cycles. The Returned Payment Fee for Iowa residents 
    M-114760 
    BW-WECCAG (04/2015) 
      
    is $19.95.  If the Returned Payment Fee is greater than the  the rate of interest could change is called a �Change Date.� 
    Minimum  Payment  Due,  the  fee  will  be  equal  to  the  Changes will be based on changes in the �Index.� The Index 
    Minimum Payment Due.                     is the highest Prime Rate published in the �Money Rates� 
       From time to time, we may let you skip or reduce one or  table of The Wall Street Journal. If the Index is no longer 
    more  monthly  payments  during  a  year  and/or  we  may  available, we will choose a new index which is based upon 
    temporarily  reduce  or  eliminate  certain  INTEREST  comparable  information  and  will  give  you  notice  of  our 
    CHARGES on all or a portion of your Credit Card account  choice. The Index figure published on the second Tuesday 
    balance or offer you other special terms. If we do, we will  (or on the next business day if the second Tuesday is a 
    advise you of the scope and duration of the applicable skip  holiday)  each  month  is  called  the  �Current  Index.�  Your 
    or  promotional  feature.  When  the  skip  or  promotional  interest rate for Purchases (after the Introductory Period) 
    feature ends, your regular rates and all the terms of the  and Balance Transfers on your Wealth Management World 
    Agreement will resume.                   Elite MasterCard Account is based on a variable rate equal 
                                             to the sum of the Current Index plus a �Rate Spread� of 3.90  7. Minimum Payment- Late Payment Fee. At least the 
                                             percentage points. The interest rate for Cash Advances on 
    amount of the �Minimum Payment Due� must be received by 
                                             your Account is based on a variable rate equal to the sum of 
    us by the �Payment Due Date.� If it is not, we may apply a 
                                             the Current Index plus a �Rate Spread� of 21.74 percentage 
    Late Payment fee of $25 for the first violation and $35 for 
                                             points.   Immediately  before  each  Change  Date  we  will 
    each subsequent violation within the next six billing cycles.  
                                             determine the new interest rate by adding the Rate Spread 
    The Late Payment fee for Iowa residents is $15.  If the Late 
                                             to the Current Index.  The new interest rate will become 
    Payment fee is greater than the Minimum Payment Due, the 
                                             effective  at  the  start  of  your  first  billing  cycle  after  the 
    fee will be equal to the Minimum Payment Due.  If such 
                                             Change Date. Only one Annual Percentage Rate and Daily 
    charge would result in an INTEREST CHARGE greater than 
                                             Periodic Rate will be in effect for each Balance Category 
    the  maximum  allowed  by  law,  we  will  only  charge  the 
                                             during the billing period. The Annual Percentage Rate will 
    maximum allowable rate.  Your Minimum Payment Due will 
                                             not exceed the maximum rate permitted by law. The effect 
    be 3% of the New Balance plus any Late Payment fee (with 
                                             of any increase in the Annual Percentage Rate and the Daily 
    a minimum of the lesser of $25 or your New Balance) and 
                                             Periodic  Rate  would  be  to  increase  the  amount  of 
    any amount over your credit limit and past due amount. 
                                             INTEREST CHARGE or interest you must pay and thus 
     8. How to Avoid Paying Interest on Purchases. There 
                                             increase your monthly payments. 
    may  be  different  treatment  of  INTEREST  CHARGES  for 
                                              10.  Transaction Fees. You also agree to pay us the 
    Purchases, Balance Transfers, and Cash Advances, even 
                                             appropriate fees listed below (as permitted by applicable 
    though they are computed the same way. You may avoid 
                                             law) which may be amended from time to time by us. You 
    paying an INTEREST CHARGE on Purchases if we receive 
                                             authorize us to charge your Credit Card account for the 
    the entire New Balance by the Payment Due Date.  If we do 
                                             following fees due to us. Balance Transfer fee: 3.00% of 
    not receive the entire New Balance by the Payment Due 
                                             each balance transferred, $5 minimum. Cash Advance fee: 
    Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
                                             4.00% of each Cash Advance, $10 minimum.  
    Purchases  from  the  date  of  the  transaction.  INTEREST 
                                              11.  Foreign  Transaction  Fee.  Transactions  that  you 
    CHARGES on all other balances, including Cash Advances 
                                             make in a foreign currency or that you make outside of the 
    and Balance Transfers, begin on the transaction date and 
                                             United States of America even if it is made in U.S. dollars 
    will be assessed even if your entire New Balance is paid by 
                                             are  considered  foreign  transactions.   If  you  make  a 
    the Payment Due Date. 
                                             transaction in a foreign currency it will be billed to you in 
     9. Computing Your INTEREST CHARGE. We figure the 
                                             U.S. Dollars. The conversion rate to U.S. Dollars will be 
    INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             determined by MasterCard International in accordance with 
    applying the periodic rate to the �Average Daily Balance� of 
                                             their  operating  regulations  or  conversion  procedures  in 
    each  Balance  Category  on  the  Credit  Card  account, 
                                             effect at the time the transaction is processed. Currently, 
    including current transactions. Balance Categories include 
                                             their regulations and procedures provide that the currency 
    Purchases,  Balance  Transfers,  Cash  Advances, 
                                             conversion  rate  they  use  is  either  (1)  a  government-
    Introductory Rates and any special rate offers we may make 
                                             mandated rate or (2) a wholesale market rate, whichever is 
    available from time to time.  If you are charged interest, the 
                                             applicable, in effect one day prior to the processing date. 
    charge will be no less than $1.00 (the minimum interest 
                                             We do not determine the currency conversion rate which is 
    charge will appear as �Minimum Charge� in the fees section 
                                             used.   You  agree  to  pay  the  converted  amount  in  U.S. 
    of your statement).  
                                             funds. In addition, MasterCard will charge us (the Bank) an 
       a. Average Daily Balance. To obtain the daily balance 
                                             international  transaction fee, currently equal to one percent 
    for each Balance Category we take the beginning balance 
                                             (1.00%) of the transaction amount, which we will charge you 
    each  day  and  add  new  transactions  applicable  to  each 
                                             whether that transaction was originally made in U.S. dollars 
    category, and subtract any payments, credits, and refunds 
                                             or was made in another currency and converted to U.S. 
    applied  to  the  category.   To  figure  your  Average  Daily 
                                             dollars. This fee will be shown as a Foreign Transaction Fee 
    Balance for each Balance Category, we add all your daily 
                                             on your statement. 
    balances and divide by the number of days in the billing 
                                             12.  Annual Membership Fee. The Wealth Management 
    period. 
                                             World Elite MasterCard Credit Card is subject to an Annual 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             Membership Fee of $295. The Annual Membership Fee will 
    INTEREST  CHARGE  for  each  Balance  Category  by 
                                             be assessed in the first billing cycle after account opening 
    multiplying these Average Daily Balances by the applicable 
                                             and  annually,  thereafter.   A  credit  in  the  amount  of  the 
    Daily Periodic Rate, and then we multiply the result by the 
                                             Annual Membership Fee for the first year will appear on your 
    number of days in the billing period. To determine the Daily 
                                             first billing statement.  After the first year, on an annual 
    Periodic  Rate  for  each  Balance  Category,  we  divide  the 
                                             basis, but in no case later than the first business day of the 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             last month of the quarter preceding the anniversary of the 
    billing period by 365 (366 for leap year). The way we get the 
                                             Account�s opening date, the Bank will evaluate your Eligible 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             Qualified Balances to determine whether or not to apply a 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             credit in the amount of the Annual Membership Fee.  This 
       c.  Fixed Rate. For the first six months (Introductory 
                                             credit will be applied annually only so long as you maintain 
    Period) your interest rate for Purchases on your Account is 
                                             Eligible  Qualified  Balances  of  $250,000  or  more,  as 
    equal  to  0.00%  APR;  thereafter,  your  interest  rate  for 
                                             calculated  by  the  Bank  at  the  time  it  evaluates  your 
    Purchases  will  apply.   There  is  no  introductory  rate  for 
                                             balances.    
    Balance Transfers or Cash Advances.  
                                             The  term  �Eligible  Qualified  Balances�,  as  used  in  this 
       d. Variable Rate. The current Annual Percentage Rate 
                                             document, is defined to mean, and shall include, (i) deposits 
    for  all  variable  rates  is  shown  on  the  Account  Opening 
                                             and investments maintained with the Bank, including those 
    Disclosure  which  has  been  provided  to  you  with  this 
                                             maintained  with  the  Bank�s  Investment  Management  or 
    Agreement. The Daily Periodic Rate and the corresponding 
                                             Trust Services departments; and (ii) investment balances 
    Annual Percentage Rate may change each month on the 
                                             with  the  Bank�s  affiliate,  BancWest  Investment  Services, 
    first day of each of your billing cycles. Each date on which 
                                             Inc.   Eligible  Qualified  Balances  may  be  owned  by  you 
    M-114760 
    BW-WECCAG (04/2015) 
      
    directly, or held in a revocable trust controlled by you as     (c) You may use your Card at a POS terminal to 
    settlor  and  trustee.   Deposits  or  investments  held  by  purchase  certain  merchandise.  The  amount  of  your 
    business entities that are wholly-owned and controlled by  purchase will automatically be charged to your Credit Card 
    you may also be included.                account as a Purchase. 
      13.  Other Fees. As allowed by law, we may charge, and  c. Limits  of  Automated  Terminal  Services  -  Cash 
    you agree to pay, fees for certain services or requests made  Advances. You may get a Cash Advance from a Bank of 
    by you, such as but not limited to: Automated Teller Machine  the West Automated Terminal up to an aggregate amount of 
    (�ATM�) transactions conducted at machines not operated  $1,000 each calendar day, provided that this amount does 
    by us, requests for copies of billing statements, sales drafts,  not exceed your Credit Limit. This amount may be less for 
    or  other  records  of  your  Account,  or  if  you  request  a  Cash Advances from Network ATMs. 
    replacement card(s).  However, we will not charge fees for  d. Card  and  Secret  Code  (PIN)  Use.  You  are 
    copies of documents requested for a billing dispute.  These  responsible for all transactions in which you use your Card 
    fees may change from time to time.  We will inform you of  in an automated terminal, or the use of the Card by anyone 
    the fee(s) that you will incur prior to when the applicable  else who uses it with your permission. Security in use of the 
    service(s) is(are) provided or when you make the request(s),  Card is provided by the secret code, which we will provide 
    as applicable. You authorize us to charge your Credit Card  you, and the magnetically encoded stripe on the Card. You 
    account for any such fees that you incur. We reserve the  are  responsible  for  keeping  the  Card  safe  and  also  for 
    right to waive a fee from time to time but a waiver does not  protecting the secret code. Use the Card and the secret 
    mean we will continue to waive such fee in the future.  code only as instructed at all times. Please notify us of any 
                                             mechanical or operating failure in connection with the use of 
      14.  Default. We may declare the entire balance for all 
                                             your Card. Do not permit anyone else to use your Card and 
    Credit  Card  accounts  due  and  payable  at  once  with  or 
                                             do not disclose your secret code or record it on the Card. 
    without notice or demand if any of these events (a �Default�) 
                                             The Card remains the property of the Bank and can be 
    happens: 
                                             revoked and repossessed at any time. You must return it to 
       a. If you miss a payment under this Agreement or any 
                                             us when asked. 
    other obligation you owe us; or 
                                               e. Fees  for  Using  Automated  Terminal  Services. 
       b. If you violate any terms of this Agreement. 
                                             Fees may be charged for transactions made at automated 
     If you are in Default, we may terminate your Credit Card 
                                             teller  machines  not  operated  by  us  as  described  in 
    account, make no more additional loans, and require you to  
                                             paragraph 13-Other Fees. 
    immediately repay the entire unpaid balance of all amounts 
    due on your Credit Card account, including but not limited to  16.  Lost  or  Stolen  Card;  Your  Liability  for 
    all loan amounts, late charges and other charges assessed  Unauthorized Use. Tell us AT ONCE if you believe your 
    but not paid, and all of the INTEREST CHARGES accrued  Card has been lost or stolen. Telephoning is the best way of 
    but not paid. If we terminate your Credit Card account, your  keeping your possible losses down. 
    obligation to repay the amounts you already owe us would  You may be liable for the unauthorized use of your Card 
    continue.                                as a credit card. You will not be liable for unauthorized use 
     At our option, we may also take action short of terminating  of your Card as a credit card which occurs after you notify 
    your  Credit  Card  account.  If  your  required  minimum  us at the telephone number or address stated in paragraph 
    payment (shown on your periodic statement as �Minimum  17, orally or in writing, of loss, theft, or possible unauthorized 
    Payment  Due�)  is  not  received  within  60  days  of  the  use. In any case, your liability for unauthorized use of your 
    Payment Due Date, your ANNUAL PERCENTAGE RATE  Card as a credit card will not exceed $50.00. 
    for all balances will be a variable rate equal to the sum of  17.  Where to Call or Write. If you believe your Card has 
    the Current Index plus a �Rate Spread� of 26.74 percentage  been lost or stolen or that someone is using your Card or 
    points (Penalty Rate).  You will be provided with a notice 45  Credit Card account without your permission, call: 1-866-
    days  in  advance  of  the  effective  date  of  the  change  in  218-4959 (for TTY/TDD call 1-800-659-5495) or write to: 
    Annual  Percentage  Rate.   Your  payments  under  this  Bank of the West, BankCard Security Department, PO Box 
    Agreement,  including  the  amount  of  the  INTEREST  2078, Omaha, NE 68103-2078.  
    CHARGE, will increase as a result of the increase in your  18.  Our Business Days. Our business days are Monday 
    ANNUAL PERCENTAGE RATE, and any such increase in  through Friday, except for bank holidays. 
    your ANNUAL PERCENTAGE RATE will be shown on your  19.  Credit Investigation and Disclosure. You authorize 
    next periodic statement. We may reinstate your ANNUAL  us, both now and in the future, to check your credit and 
    PERCENTAGE RATE to the rate set forth in this Agreement  employment history and to release information about our 
    once you have made at least your Minimum Payment Due  credit experience with you in response to legitimate credit 
    for (6) consecutive billing periods immediately following the  inquiries. If you believe that we have incorrect information or 
    effective date of the Penalty Rate.  If we take such lesser  have reported inaccurate information about you to a credit 
    action initially, we reserve the right to terminate your Credit  bureau, please call us at 1-866-218-4959 (for TTY/TDD call 
    Card account and accelerate all amounts due under this  1-800-659-5495). 
    Agreement  regardless  of  whether  any  additional  events  20.  Security  Interest.  We  have  no  security  for  any 
    have  occurred  which  would  permit  termination  and  amounts which become due under this Agreement, even 
    acceleration.                            though any other agreement you may have with us, such as 
      15.  Automated Terminal Services       a mortgage, may provide for such a security interest, unless 
       a. Automated Terminals. You may use your Card in  you have given us a specific security interest in connection 
    the following automated terminals:       with this Agreement, which is described on the Supplement 
         (1) Any Bank of the West automated teller machines.  attached to this Agreement. 
         (2) Any  other  automated  teller  machine  that  is  21.  Collection. You promise to pay all collection costs, 
    participating in a network and accepts our Card (�Network  including, without limitation, mailgram charges, reasonable 
    ATM�) and                                lawyers� fees and court costs, as permitted by law. 
         (3) Any point-of-sale terminal that accepts our Card  22.  If There are More Than One of You. Each of you 
    (�POS terminal�).                        individually, or all of you together, will be liable under this 
       b. Services Available at an Automated Terminal  Agreement. We may collect from or sue any one of you, or 
         (1) You may use your Card at a Bank of the West or  make any settlements or extensions with any one of you, 
    any Network ATM to:                      without  giving  up  our  rights  against  the  other.  You 
           (a) Get a Cash Advance from your Credit Card  understand that any one of you can make Purchases, get 
    account.                                 Cash Advances, or perform Balance Transfers under this 
           (b) Get your Credit Card account balances. These  Agreement which will be binding upon all of you. 
    balances may not include some transactions recently made  23.  No Waiver of Rights. If we choose to waive any of 
    in your Credit Card account. Some of the services described  the terms or conditions of this Agreement on a case-by-case 
    in subparagraphs (a) and (b) may not be available at all  basis, such as by not declaring the entire balance due when 
    Network ATMs.                            the minimum monthly payment has not been made on time, 
                                             it does not mean that we have waived, or given up, our right 
    M-114760 
    BW-WECCAG (04/2015) 
      
    to  exercise  any  of  our  rights  or  remedies  under  this  26.  Governing Law. This Agreement will be governed by 
    Agreement in the future. We are not required to use any  the  laws  of  the  State  of  Nebraska,  and,  as  applicable, 
    particular  kind  of  demand  or  notice  in  order  to  collect  federal law, regardless of where the transactions are made. 
    amounts due to us under this Agreement. No indulgence or  27.  Monitoring/Recording  Telephone  Calls.  Our 
    acceptance  by  us  of  delinquent  or  partial  payments  supervisory  personnel  may  listen  to  and  record  your 
    constitute a waiver of our rights or of any provision of this  telephone  calls  to  us  for  the  purpose  of  monitoring  and 
    Agreement.  No  waiver  of  any  existing  default  shall  be  improving the quality of service you receive. 
    deemed to waive any subsequent default.   28.  Severability.  All other provisions of this Agreement 
     24.  Changing Terms.  We can change, add to, delete or  shall remain in full force even if one or more provisions of 
    otherwise modify the terms of this Agreement at any time in  this  Agreement  are  held  invalid,  illegal,  void  or 
    any way permitted by law. We will send you a notice of  unenforceable by any rule or law, administrative order or 
    change at least 45 days (or as required by applicable law)  judicial decision. 
    before the effective date of the change. We do not have to   29. Our Communications with You 
    send you an advance notice of the change if it favors you,  You  agree  that  we,  any  of  our  affiliates,  agents, 
    such as by reducing rates, or increasing the maximum credit  independent contractors or service providers may monitor 
    limit.  Except in cases where we are changing terms due to  and record telephone calls regarding your banking services 
    the Minimum Payment Due not being received within 60  to assure the quality of our service or for other reasons. You 
    days of the Payment Due Date, you agree that the change  expressly  consent  that  we,  any  of  our  affiliates,  agents, 
    may cover all transactions made 15 days after we mail the  independent  contractors  or  service  providers  may  use 
    notice. If you do not agree to the change, a method for  written, electronic, or verbal means, or  any other medium, 
    rejecting  the  change  and  closing  the  account  will  be  as permitted by law and including, but not limited to, mail 
    provided in the Change of Terms Notice.   You agree that if  and facsimile, to contact you. Your consent includes, but is 
    you use your card after the effective date of the change, this  not  limited  to,  contact  by  manual  calling  methods, 
    will constitute your agreement with the change.  prerecorded or artificial voice messages, text messages, e-
     25.  Canceling this Agreement.  We have the right to  mails  and/or  automatic  telephone  dialing  systems.  You 
    cancel this Agreement at any time by sending a notice to  agree that we, any of our affiliates, agents, independent 
    any one of you in writing. You also have the same right to  contractors or service providers may contact you by using 
    cancel this Agreement at any time by sending us a notice in  any e-mail or any telephone number you provide, including a 
    writing or calling the BankCard Center at 1-866-218-4959  telephone  number  for  a  cellular  phone  or  other  wireless 
    (for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is  device, regardless of whether you incur any charges as a 
    canceled by you or us, your obligation is to repay amounts  result.   
    you already owe under this Agreement.  In either case, the   
    account will be closed and you will no longer have access to   
    the account. 
                                   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  ?  The charge in question may remain on your 
    If you think there is an error on your statement, write to us  statement, and we may continue to charge you 
    at:                                           interest on that amount. 
       Bank of the West                        ?  While you do not have to pay the amount in 
       BankCard Customer Service Department       question, you are responsible for the remainder of 
       PO Box 2319                                your balance. 
       Omaha, NE 68172-9793                    ?  We can apply any unpaid amount against your 
    In your letter, give us the following information:  credit limit. 
      ?  Account information: Your name and account  After we finish our investigation, one of two things will 
         number.                             happen: 
      ?  Dollar amount: The dollar amount of the suspected  ?  If we made a mistake: You will not have to pay the 
         error.                                   amount in question or any interest or other fees 
      ?  Description of problem: If you think there is an error  related to that amount. 
         on your bill, describe what you believe is wrong and  ?  If we do not believe there was a mistake: You will 
         why you believe it is a mistake.         have to pay the amount in question, along with 
    You must contact us:                          applicable interest and fees.  We will send you a 
      ?  Within 60 days after the error appeared on your  statement of the amount you owe and the date 
         statement.                               payment is due.  We may then report you as 
      ?  At least 3 business days before an automated  delinquent if you do not pay the amount we think 
         payment is scheduled, if you want to stop payment  you owe. 
         on the amount you think is wrong.    If you receive our explanation but still believe your bill is 
    You must notify us of any potential errors in writing.  You  wrong, you must write to us within 10 days telling us that you 
    may call us, but if you do we are not required to investigate  still refuse to pay.  If you do so, we cannot report you as 
    any potential errors and you may have to pay the amount in  delinquent without also reporting that you are questioning 
    question.                                your bill.  We must tell you the name of anyone to whom we 
                                             reported  you  as  delinquent,  and  we  must  let  those 
    What Will Happen After We Receive Your Letter  organizations  know  when  the  matter  has  been  settled 
    When we receive your letter, we must do two things:  between us. 
    1.  Within 30 days of receiving your letter, we must tell you  If we do not follow all of the rules above, you do not have to 
       that we received your letter.  We will also tell you if we  pay the first $50 of the amount you question even if your bill 
       have already corrected the error.     is correct. 
    2.  Within 90 days of receiving your letter, we must either   
       correct the error or explain to you why we believe the bill  Your Rights If You Are Dissatisfied With Your Credit 
       is correct.  While we investigate whether or not there  Card Purchases 
       has been an error:                     If you are dissatisfied with the goods or services that you 
       ?  We cannot try to collect the amount in question, or  have purchased with your credit card and you have tried in 
         report you as delinquent on that amount.  good faith to correct the problem with the merchant, you 
                                             may have the right not to pay the remaining amount due on 
                                             the purchase. 
                                               
    M-114760 
    BW-WECCAG (04/2015) 
      
    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. 
     
    M-114760 
    BW-WECCAG (04/2015) 
                                                                         M-117469 
                                                                         Rev. 01/2016   
                Account Opening Disclosure � 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 15.24%.  This APR will vary with the market based 
                            on the Prime Rate.  
     APR for Balance Transfers  15.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances  25.24%  
                           
                              This APR will vary with the market based on the Prime Rate. 
     Penalty APR and When it  30.24% 
     Applies               
                              This APR may be applied to your account if your payment is more than 60 days past  
                              the Payment Due Date. 
                           
                              How Long Will the Penalty APR Apply?  The Penalty APR will apply until you  
                              make six consecutive minimum payments when due beginning with the payment  
                              following the commencement of the Penalty APR.  
                           
                              This APR will vary with the market based on the Prime Rate. 
     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 
                             1
     Annual Fee           $85  
     Transaction Fees      
                           
        �  Balance Transfer   Either $5 or 3% 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   1% of the U.S. Dollar amount of each such transaction.  
     Penalty Fees          
                           
        �  Late Payment   Up to $35 (Varies by State.  See next page for details.). 
                           
        �  Returned Payment   Up to $35 (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. 
       
      Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your payment is more than 
      60 days past the Payment Due Date. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise your rights is provided in your 
     Credit Card Agreement.   
       
      Continued on next page. 
       
                         
                                                                         M-117469 
                                                                         Rev. 01/2016   
      
                                                                          
     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 $15. For other states the fee is $25 for the first violation and $35 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 $19.95.  For other states the fee is $25 for the first violation and $35 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. 
      
     In South Dakota, Bank of the West operates under the name of Bank of the West California. 
      
      
                         
                                                   CREDIT CARD AGREEMENT  
                                                                   (World MasterCard� Card) 
                                             
    By requesting or accepting any World MasterCard account  3. Temporary  Reduction  of  Credit  Limit.   Merchants, 
    (individually or collectively called �Credit Card account� or  such as car rental companies and hotels, may request prior 
    �Account�) with Bank of the West, you agree to be bound by  credit approval from us for an estimated amount of your 
    all  the  terms  of  this  Agreement.  In  this  Agreement,  the  Purchases, even if you ultimately do not pay by credit. If our 
    words �you� or �your� mean everyone who has requested or  approval  is  granted,  your  available  Credit  Limit  will 
    accepted a Credit Card account with us. The words �we,�  temporarily be reduced by the amount authorized by us. If 
    �us,� �our,� or �Bank� mean Bank of the West.  If you do not  you do not ultimately use your Credit Card account to pay 
    accept this Agreement, you must notify us in writing within 5  for your Purchases or if the actual amount of Purchases 
    days  after  receipt.   Use  of  your  card  or  any  feature  posted  to  your  Credit  Card  account  varies  from  the 
    (including  a  balance  transfer)  of  your  Credit  Card  estimated amount approved by us, it is the responsibility of 
    Agreement shall constitute acceptance of this Agreement.   the merchant, not us, to cancel the prior credit approval 
     1. Use.  Your   World  MasterCard  Card  (individually  or  based on the estimated amount. The failure of the merchant 
    collectively called �Card�) may be used as a credit card for  to cancel a prior credit approval may result in a temporary 
    purchases  of  goods  or  services  from  participating  reduction of your available Credit Limit, but will not increase 
    merchants (�Purchases�) or to get Cash Advances from us  the amount you owe us under this Agreement. 
    or any other financial institution displaying the �MasterCard�  4. Agreement to Pay. When you use your Card or Credit 
    logo,  or  to  purchase  certain  items  such  as  traveler's  Card account, or when you permit anyone to use it, you 
    cheques,  foreign  currency,  money  orders,  wire  transfers,  agree  to  pay  the  amount  of  any  and  all  transactions 
    lottery tickets, and (except as noted below) funds to be used  (including any which may have been made in violation of this 
    for wagers or gambling (all of which are collectively referred  Agreement), and the INTEREST CHARGES and fees that 
    to as �Cash Advances�) up to your Credit Limit; provided,  may become due as shown on the periodic statement. You 
    however, you may not use your Card (i) to make Purchases  agree  that  we  may  change  or  cancel  your  Credit  Card 
    or obtain Cash Advances for any illegal transaction, or (ii) for  Account at any time without affecting your obligation to pay 
    any internet or online gambling transactions. Transactions  the amounts that you owe under this Agreement.  
    for online or internet gambling will not be approved.  If you  5. Periodic Statement. Each month we will send you a 
    use your Card for any illegal or prohibited transaction, this  periodic statement for each Credit Card account you have 
    Agreement also applies to such transaction and you agree  with us covering the previous billing period. We may not 
    to  pay  any  and  all  amounts  related  to  such  transaction  send you a statement if your balance is less than $1 and 
    pursuant to the terms of this Agreement. We may, in our  there were no transactions during the billing period.  The 
    sole discretion, restrict the use of or terminate your Card if  statement will have a �Statement Period Date�, �Statement 
    we notice excessive use of your Card or other suspicious  Closing Date� and a �Payment Due Date,� and will show, 
    activities or if we reasonably believe the Card is or has been  among other things, your �Previous Balance,� your �New 
    used for one or more illegal or prohibited transactions. You  Balance,� and your minimum monthly payment, which will be 
    can  also  obtain  a  Cash  Advance  by  writing  a  special  shown as �Minimum Payment Due.� 
    MasterCard  check  (�Convenience  Check�).  The  Cash  6. Payment. You must make a payment by the �Payment 
    Advance will be posted to your Credit Card account when  Due Date.� You have two choices: You may pay the entire 
    the Convenience Check reaches us. If you stop payment on  �New Balance� or you may pay in installments by paying at 
    a  Convenience  Check,  your  Credit  Card  account  will be  least the �Minimum Payment Due.� When your payment is 
    charged  $16.00  (or  as  permitted  by  law)  for  each  stop  properly received, we will allocate your payment in a manner 
    payment.  We  may  designate  that  only  a  portion of your  we determine except as otherwise required by law.  The 
    Credit Limit is available for Cash Advances.  In addition, you  Minimum  Payment  is  applied  first  to  fees,  then  to 
    may request that we pay other creditors on your behalf and  INTEREST CHARGES and finally to principal. We apply the 
    transfer  approved  amounts  to  your  Account  (�Balance  Minimum Payment to balances with lower APRs, including 
    Transfers�).                             introductory  APRs,  before  balances  with  higher  APRs. 
     Your  Card  may  also  be  used  in  certain  automated  Payments made in excess of the Minimum Payment will be 
    terminals to gain access to your Credit Card accounts. We  applied first to balances with the highest Annual Percentage 
    have  no  responsibility  for  the  failure  of  any  machine,  Rate and then to each successive balance bearing the next 
    merchant, financial institution, or any other party to honor  highest Annual Percentage Rate. 
    your Card. Your Card and Credit Card account may be used    Payments  must  be  mailed  to  the  BankCard  Center 
    only  for  valid  and  lawful  purposes.  If  you  use  or  allow  address  specified  in  your  periodic  statement.  Payments 
    someone else to use the Card or Credit Card account for  must  reach  our  BankCard  Center  during  our  regular 
    any other purpose, you will be responsible for such use and  business day in order to be credited on that date.  Payments 
    may  be  required  to  reimburse  us  for  all  amounts  or  received after the cutoff times of 5:00 p.m. PT are credited 
    expenses we pay as a result of such use.   as of the following business day. If you make payment by 
     2. Credit Limit. We will notify you of the Credit Limit for  any means other than mail to our BankCard Center crediting 
    each Credit Card account you have with us. You agree that  of the payment may be delayed.  If you fail to properly make 
    your total charges, including Purchases, Cash Advances,  payments, crediting such payments may be delayed.  Your 
    Balance Transfers, INTEREST CHARGES, and fees that  total available credit may not be restored for up to 15 days 
    may be due will not exceed your Credit Limit. If you do go  after we receive your payment.   
    over your Credit Limit, you must repay the excess amount  If a payment is returned to us for any reason, we may 
    immediately, and we may reduce the available Credit Limit  apply a Returned Payment Fee of $25 for the first violation 
    of any other Credit Card account you have with us until such  and $35 for each subsequent violation within the next six 
    time  the  excess  amount  is  repaid.  You  may  apply  to  billing cycles. The Returned Payment Fee for Iowa residents 
    increase  your  Credit  Limit  at  any  time  but  we  are  not  is $19.95.  If the Returned Payment Fee is greater than the 
    obligated  to  increase  your  Credit  Limit  at  any  time.  Minimum  Payment  Due,  the  fee  will  be  equal  to  the 
    Furthermore, we reserve the right to lower your Credit Limit  Minimum Payment Due. 
    at any time. For security reasons, we may limit the number    From time to time, we may let you skip or reduce one or 
    or amount of transactions that may be accomplished with  more  monthly  payments  during  a  year  and/or  we  may 
    your Card or Credit Card account, and we have the right to  temporarily  reduce  or  eliminate  certain  INTEREST 
    limit authorizations to make transactions if we consider it  CHARGES on all or a portion of your Credit Card account 
    necessary to verify Payments received on your Credit Card  balance or offer you other special terms. If we do, we will 
    account.  If we accept a payment from you in excess of your  advise you of the scope and duration of the applicable skip 
    outstanding balance, your available Credit Limit will not be  or  promotional  feature.  When  the  skip  or  promotional 
    increased by the amount of the overpayment nor will we be  feature ends, your regular rates and all the terms of the 
    required to authorize transactions for an amount in excess  Agreement will resume. 
    of your Credit Limit. 
                                              7. Minimum Payment- Late Payment Fee. At least the 
                                             amount of the �Minimum Payment Due� must be received by 
    M-114759 
    BW-WCCAG (04/2015) 
      
    us by the �Payment Due Date.� If it is not, we may apply a  on a variable rate equal to the sum of the Current Index plus 
    Late Payment fee of $25 for the first violation and $35 for  a �Rate Spread� of 21.74 percentage points.  Immediately 
    each subsequent violation within the next six billing cycles.   before each Change Date we will determine the new interest 
    The Late Payment fee for Iowa residents is $15.  If the Late  rate by adding the Rate Spread to the Current Index.  The 
    Payment fee is greater than the Minimum Payment Due, the  new interest rate will become effective at the start of your 
    fee will be equal to the Minimum Payment Due.  If such  first billing cycle after the Change Date. Only one Annual 
    charge would result in an INTEREST CHARGE greater than  Percentage Rate and Daily Periodic Rate will be in effect for 
    the  maximum  allowed  by  law,  we  will  only  charge  the  each Balance Category during the billing period. The Annual 
    maximum allowable rate.  Your Minimum Payment Due will  Percentage  Rate  will  not  exceed  the  maximum  rate 
    be 3% of the New Balance plus any Late Payment fee (with  permitted by law. The effect of any increase in the Annual 
    a minimum of the lesser of $25 or your New Balance) and  Percentage Rate and the Daily Periodic Rate would be to 
    any amount over your credit limit and past due amount.  increase the amount of INTEREST CHARGE or interest you 
                                             must pay and thus increase your monthly payments. 
     8. How to Avoid Paying Interest on Purchases. There 
                                              10.  Transaction Fees. You also agree to pay us the 
    may  be  different  treatment  of  INTEREST  CHARGES  for 
                                             appropriate fees listed below (as permitted by applicable  Purchases, Balance Transfers, and Cash Advances, even 
                                             law) which may be amended from time to time by us. You  though they are computed the same way. You may avoid 
                                             authorize us to charge your Credit Card account for the  paying an INTEREST CHARGE on Purchases if we receive 
                                             following fees due to us. Balance Transfer fee: 3.00% of  the entire New Balance by the Payment Due Date.  If we do 
                                             each balance transferred, $5 minimum. Cash Advance fee:  not receive the entire New Balance by the Payment Due 
                                             4.00% of each Cash Advance, $10 minimum.   Date,  the  INTEREST  CHARGE  will  be  charged  on  the 
    Purchases  from  the  date  of  the  transaction.  INTEREST  11.  Foreign  Transaction  Fee.  Transactions  that  you 
    CHARGES on all other balances, including Cash Advances  make in a foreign currency or that you make outside of the 
    and Balance Transfers, begin on the transaction date and  United States of America even if it is made in U.S. dollars 
    will be assessed even if your entire New Balance is paid by  are  considered  foreign  transactions.   If  you  make  a 
    the Payment Due Date.                    transaction in a foreign currency it will be billed to you in 
     9. Computing Your INTEREST CHARGE. We figure the  U.S. Dollars. The conversion rate to U.S. Dollars will be 
                                             determined by MasterCard International in accordance with  INTEREST  CHARGE  on  each  Credit  Card  account  by 
                                             their  operating  regulations  or  conversion  procedures  in  applying the periodic rate to the �Average Daily Balance� of 
                                             effect at the time the transaction is processed. Currently,  each  Balance  Category  on  the  Credit  Card  account, 
                                             their regulations and procedures provide that the currency  including current transactions. Balance Categories include 
                                             conversion  rate  they  use  is  either  (1)  a  government- Purchases,  Balance  Transfers,  Cash  Advances, 
                                             mandated rate or (2) a wholesale market rate, whichever is  Introductory Rates and any special rate offers we may make 
                                             applicable, in effect one day prior to the processing date.  available from time to time.  If you are charged interest, the 
                                             We do not determine the currency conversion rate which is  charge will be no less than $1.00 (the minimum interest 
                                             used.   You  agree  to  pay  the  converted  amount  in  U.S.  charge will appear as �Minimum Charge� in the fees section 
                                             funds. In addition, MasterCard will charge us (the Bank) an  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, which we will charge you 
    for each Balance Category we take the beginning balance 
                                             whether that transaction was originally made in U.S. dollars 
    each  day  and  add  new  transactions  applicable  to  each 
                                             or was made in another currency and converted to U.S. 
    category, and subtract any payments, credits, and refunds 
                                             dollars. This fee will be shown as a Foreign Transaction Fee 
    applied  to  the  category.   To  figure  your  Average  Daily 
                                             on your statement. 
    Balance for each Balance Category, we add all your daily 
                                               12.   Annual  Membership  Fee.  The  World 
    balances and divide by the number of days in the billing 
                                             MasterCard Account is subject to an Annual Membership  period. 
                                             Fee of $85.00. The Annual Membership Fee will be waived 
       b. Figuring the INTEREST CHARGE. We compute the 
                                             for the first year of your Account. After the first year, on an 
    INTEREST  CHARGE  for  each  Balance  Category  by 
                                             annual basis, but in no case later than the first business day 
    multiplying these Average Daily Balances by the applicable 
                                             of  the  second  month  of  the  quarter  preceding  the 
    Daily Periodic Rate, and then we multiply the result by the 
                                             anniversary of the Account�s opening date, the Bank will 
    number of days in the billing period. To determine the Daily 
                                             review  the  status  of  your  Bank  of  the  West  Premier 
    Periodic  Rate  for  each  Balance  Category,  we  divide  the 
                                             Checking account to determine whether or not the Annual 
    applicable ANNUAL PERCENTAGE RATE in effect for the 
                                             Membership Fee will be waived.  This waiver will be applied 
    billing period by 365 (366 for leap year). The way we get the 
                                             annually so long as you maintain an open Bank of the West 
    ANNUAL PERCENTAGE RATE for each Balance Category 
                                             Premier Checking account at the time the Bank evaluates 
    is described below under �Fixed Rate� and �Variable Rate.� 
                                             your status.    
       c.  Fixed Rate. For the first six months (Introductory 
    Period) your interest rate for Purchases on your Account is  13.  Other Fees. As allowed by law, we may charge, and 
    equal  to  0.00%  APR;  thereafter,  your  interest  rate  for  you agree to pay, fees for certain services or requests made 
    Purchases  will  apply.   There  is  no  introductory  rate  for  by you, such as but not limited to: Automated Teller Machine 
    Balance Transfers or Cash Advances.      (�ATM�) transactions conducted at machines not operated 
       d. Variable Rate. The current Annual Percentage Rate  by us, requests for copies of billing statements, sales drafts, 
    for  all  variable  rates  is  shown  on  the  Account  Opening  or  other  records  of  your  Account,  or  if  you  request  a 
    Disclosure  which  has  been  provided  to  you  with  this  replacement card(s).  However, we will not charge fees for 
    Agreement. The Daily Periodic Rate and the corresponding  copies of documents requested for a billing dispute.  These 
    Annual Percentage Rate may change each month on the  fees may change from time to time.  We will inform you of 
    first day of each of your billing cycles. Each date on which  the fee(s) that you will incur prior to when the applicable 
    the rate of interest could change is called a �Change Date.�  service(s) is(are) provided or when you make the request(s), 
    Changes will be based on changes in the �Index.� The Index  as applicable. You authorize us to charge your Credit Card 
    is the highest Prime Rate published in the �Money Rates�  account for any such fees that you incur. We reserve the 
    table of The Wall Street Journal. If the Index is no longer  right to waive a fee from time to time but a waiver does not 
    available, we will choose a new index which is based upon  mean we will continue to waive such fee in the future. 
    comparable  information  and  will  give  you  notice  of  our  14.  Default. We may declare the entire balance for all 
    choice. The Index figure published on the second Tuesday  Credit  Card  accounts  due  and  payable  at  once  with  or 
    (or on the next business day if the second Tuesday is a  without notice or demand if any of these events (a �Default�) 
    holiday)  each  month  is  called  the  �Current  Index.�  Your  happens: 
    interest rate for Purchases (after the Introductory Period)  a. If you miss a payment under this Agreement or any 
    and Balance Transfers on your World MasterCard account  other obligation you owe us; or 
    is based on a variable rate equal to the sum of the Current  b. If you violate any terms of this Agreement. 
    Index plus a �Rate Spread� of 11.74 percentage points. The  If you are in Default, we may terminate your Credit Card 
    interest rate for Cash Advances on your Account is based  account, make no more additional loans, and require you to  
    M-114759 
    BW-WCCAG (04/2015) 
      
    immediately repay the entire unpaid balance of all amounts  Card has been lost or stolen. Telephoning is the best way of 
    due on your Credit Card account, including but not limited to  keeping your possible losses down. 
    all loan amounts, late charges and other charges assessed  You may be liable for the unauthorized use of your Card 
    but not paid, and all of the INTEREST CHARGES accrued  as a credit card. You will not be liable for unauthorized use 
    but not paid. If we terminate your Credit Card account, your  of your Card as a credit card which occurs after you notify 
    obligation to repay the amounts you already owe us would  us at the telephone number or address stated in paragraph 
    continue.                                17, orally or in writing, of loss, theft, or possible unauthorized 
     At our option, we may also take action short of terminating  use. In any case, your liability for unauthorized use of your 
    your  Credit  Card  account.  If  your  required  minimum  Card as a credit card will not exceed $50.00. 
    payment (shown on your periodic statement as �Minimum  17.  Where to Call or Write. If you believe your Card has 
    Payment  Due�)  is  not  received  within  60  days  of  the  been lost or stolen or that someone is using your Card or 
    Payment Due Date, your ANNUAL PERCENTAGE RATE  Credit Card account without your permission, call: 1-844-
    for all balances will be a variable rate equal to the sum of  446-9378 (for TTY/TDD call 1-800-659-5495) or write to: PO 
    the Current Index plus a �Rate Spread� of 26.74 percentage  Box 2078, Omaha, NE 68103-2078.  
    points (Penalty Rate).  You will be provided with a notice 45  18.  Our Business Days. Our business days are Monday 
    days  in  advance  of  the  effective  date  of  the  change  in  through Friday, except for bank holidays. 
    Annual  Percentage  Rate.   Your  payments  under  this  19.  Credit Investigation and Disclosure. You authorize 
    Agreement,  including  the  amount  of  the  INTEREST  us, both now and in the future, to check your credit and 
    CHARGE, will increase as a result of the increase in your  employment history and to release information about our 
    ANNUAL PERCENTAGE RATE, and any such increase in  credit experience with you in response to legitimate credit 
    your ANNUAL PERCENTAGE RATE will be shown on your  inquiries. If you believe that we have incorrect information or 
    next periodic statement. We may reinstate your ANNUAL  have reported inaccurate information about you to a credit 
    PERCENTAGE RATE to the rate set forth in this Agreement  bureau, please call us at 1-844-446-9378 (for TTY/TDD call 
    once you have made at least your Minimum Payment Due  1-800-659-5495). 
    for (6) consecutive billing periods immediately following the  20.  Security  Interest.  We  have  no  security  for  any 
    effective date of the Penalty Rate.  If we take such lesser  amounts which become due under this Agreement, even 
    action initially, we reserve the right to terminate your Credit  though any other agreement you may have with us, such as 
    Card 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  you have given us a specific security interest in connection 
    have  occurred  which  would  permit  termination  and  with this Agreement, which is described on the Supplement 
    acceleration.                            attached to this Agreement. 
      15.  Automated Terminal Services        21.  Collection. You promise to pay all collection costs, 
       a. Automated Terminals. You may use your Card in  including, without limitation, mailgram charges, reasonable 
    the following automated terminals:       lawyers� fees and court costs, as permitted by law. 
         (1) Any Bank of the West automated teller machines.  22.  If There are More Than One of You. Each of you 
         (2) Any  other  automated  teller  machine  that  is  individually, or all of you together, will be liable under this 
    participating in a network and accepts our Card (�Network  Agreement. We may collect from or sue any one of you, or 
    ATM�) and                                make any settlements or extensions with any one of you, 
         (3) Any point-of-sale terminal that accepts our Card  without  giving  up  our  rights  against  the  other.  You 
    (�POS terminal�).                        understand that any one of you can make Purchases, get 
       b. Services Available at an Automated Terminal  Cash Advances, or perform Balance Transfers under this 
         (1) You may use your Card at a Bank of the West or  Agreement which will be binding upon all of you. 
    any Network ATM to:                       23.  No Waiver of Rights. If we choose to waive any of 
           (a) Get a Cash Advance from your Credit Card  the terms or conditions of this Agreement on a case-by-case 
    account.                                 basis, such as by not declaring the entire balance due when 
           (b) Get your Credit Card account balances. These  the minimum monthly payment has not been made on time, 
    balances may not include some transactions recently made  it does not mean that we have waived, or given up, our right 
    in your Credit Card account. Some of the services described  to  exercise  any  of  our  rights  or  remedies  under  this 
    in subparagraphs (a) and (b) may not be available at all  Agreement in the future. We are not required to use any 
    Network ATMs.                            particular  kind  of  demand  or  notice  in  order  to  collect 
           (c) You may use your Card at a POS terminal to  amounts due to us under this Agreement. No indulgence or 
    purchase  certain  merchandise.  The  amount  of  your  acceptance  by  us  of  delinquent  or  partial  payments 
    purchase will automatically be charged to your Credit Card  constitute a waiver of our rights or of any provision of this 
    account as a Purchase.                   Agreement.  No  waiver  of  any  existing  default  shall  be 
       c. Limits  of  Automated  Terminal  Services  -  Cash  deemed to waive any subsequent default. 
    Advances. You may get a Cash Advance from a Bank of  24.  Changing Terms.  We can change, add to, delete or 
    the West Automated Terminal up to an aggregate amount of  otherwise modify the terms of this Agreement at any time in 
    $500 each calendar day, provided that this amount does not  any way permitted by law. We will send you a notice of 
    exceed your Credit Limit. This amount may be less for Cash  change at least 45 days (or as required by applicable law) 
    Advances from Network ATMs.              before the effective date of the change. We do not have to 
       d. Card  and  Secret  Code  (PIN)  Use.  You  are  send you an advance notice of the change if it favors you, 
    responsible for all transactions in which you use your Card  such as by reducing rates, or increasing the maximum credit 
    in an automated terminal, or the use of the Card by anyone  limit.  Except in cases where we are changing terms due to 
    else who uses it with your permission. Security in use of the  the Minimum Payment Due not being received within 60 
    Card is provided by the secret code, which we will provide  days of the Payment Due Date, you agree that the change 
    you,  and  the  magnetically  encoded  stripe  on  the  Card.  may cover all transactions made 15 days after we mail the 
    Please keep the Card safe and also protect the secret code.  notice. If you do not agree to the change, a method for 
    Use the Card and the secret code as instructed at all times.  rejecting  the  change  and  closing  the  account  will  be 
    Please notify us of any mechanical or operating failure in  provided in the Change of Terms Notice.   You agree that if 
    connection with the use of your Card. Do not permit anyone  you use your card after the effective date of the change, this 
    else to use your Card and do not disclose your secret code  will constitute your agreement with the change. 
    or record it on the Card. The Card remains the property of  25.  Canceling this Agreement.  We have the right to 
    the Bank and can be revoked and repossessed at any time.  cancel this Agreement at any time by sending a notice to 
    You must return it to us when asked.     any one of you in writing. You also have the same right to 
       e. Fees  for  Using  Automated  Terminal  Services.  cancel this Agreement at any time by sending us a notice in 
    Fees may be charged for transactions made at automated  writing or calling the BankCard Center at 1-844-446-9378 
    teller  machines  not  operated  by  us  as  described  in  (for  TTY/TDD  call  1-800-659-5495).  If  this  Agreement  is 
    paragraph 13-Other Fees.                 canceled by you or us, your obligation is to repay amounts 
      16.  Lost  or  Stolen  Card;  Your  Liability  for  you already owe under this Agreement.  In either case, the 
    Unauthorized Use. Tell us AT ONCE if you believe your 
    M-114759 
    BW-WCCAG (04/2015) 
      
    account will be closed and you will no longer have access to  telephone calls regarding your banking services to assure 
    the account.                             the quality of our service or for other reasons. You expressly 
     26.  Governing Law. This Agreement will be governed by  consent that we, any of our affiliates, agents, independent 
    the  laws  of  the  State  of  Nebraska,  and,  as  applicable,  contractors or service providers may use written, electronic, 
    federal law, regardless of where the transactions are made.  or verbal means, or  any other medium, as permitted by law 
     27.  Monitoring/Recording  Telephone  Calls.  Our  and  including,  but  not  limited  to,  mail  and  facsimile,  to 
    supervisory  personnel  may  listen  to  and  record  your  contact you. Your consent includes, but is not limited to, 
    telephone  calls  to  us  for  the  purpose  of  monitoring  and  contact by manual calling methods, prerecorded or artificial 
    improving the quality of service you receive.  voice messages, text messages, e-mails and/or automatic 
     28.  Severability.  All other provisions of this Agreement  telephone dialing systems. You agree that we, any of our 
    shall remain in full force even if one or more provisions of  affiliates,  agents,  independent  contractors  or  service 
    this  Agreement  are  held  invalid,  illegal,  void  or  providers  may  contact  you  by  using  any  e-mail  or  any 
    unenforceable by any rule or law, administrative order or  telephone  number  you  provide,  including  a  telephone 
    judicial decision.                       number  for  a  cellular  phone  or  other  wireless  device, 
     29.  Our Communications with You        regardless of whether you incur any charges as a result.   
    You agree that we, any of our affiliates, agents, independent   
    contractors or service providers may monitor and record 
                                   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  delinquent if you do not pay the amount we think 
    If you think there is an error on your statement, write to us  you owe. 
    at:                                       If you receive our explanation but still believe your bill is 
       Bank of the West                      wrong, you must write to us within 10 days telling us that you 
       BankCard Customer Service Department  still refuse to pay.  If you do so, we cannot report you as 
       PO Box 2319                           delinquent without also reporting that you are questioning 
       Omaha, NE 68172-9793                  your bill.  We must tell you the name of anyone to whom we 
    In your letter, give us the following information:  reported  you  as  delinquent,  and  we  must  let  those 
      ?  Account information: Your name and account  organizations  know  when  the  matter  has  been  settled 
         number.                             between us. 
      ?  Dollar amount: The dollar amount of the suspected  If we do not follow all of the rules above, you do not have to 
         error.                              pay the first $50 of the amount you question even if your bill 
      ?  Description of problem: If you think there is an error  is correct. 
         on your bill, describe what you believe is wrong and   
         why you believe it is a mistake.    Your Rights If You Are Dissatisfied With Your Credit 
    You must contact us:                     Card Purchases 
      ?  Within 60 days after the error appeared on your  If you are dissatisfied with the goods or services that you 
         statement.                          have purchased with your credit card and you have tried in 
                                             good faith to correct the problem with the merchant, you 
      ?  At least 3 business days before an automated 
                                             may have the right not to pay the remaining amount due on 
         payment is scheduled, if you want to stop payment 
                                             the purchase. 
         on the amount you think is wrong. 
                                               
    You must notify us of any potential errors in writing.  You 
                                             To use this right, all of the following must be true: 
    may call us, but if you do we are not required to investigate 
                                             1.  The purchase must have been made in your home state 
    any potential errors and you may have to pay the amount in 
                                               or within 100 miles of your current mailing address, and 
    question. 
                                               the  purchase  price  must  have  been  more  than $50.  
     
                                               (Note: Neither of these are necessary if your purchase 
    What Will Happen After We Receive Your Letter 
                                               was based on an advertisement we mailed to you, or if 
    When we receive your letter, we must do two things: 
                                               we  own  the  company  that  sold  you  the  goods  or 
    1.  Within 30 days of receiving your letter, we must tell you 
                                               services.) 
       that we received your letter.  We will also tell you if we 
                                             2.  You must have used your credit card for the purchase.  
       have already corrected the error. 
                                               Purchases made with cash advances from an ATM or 
    2.  Within 90 days of receiving your letter, we must either 
                                               with a check that accesses your credit card account do 
       correct the error or explain to you why we believe the bill 
                                               not qualify. 
       is correct.  While we investigate whether or not there 
                                             3.  You must not yet have fully paid for the purchase. 
       has been an error: 
                                              
       ?  We cannot try to collect the amount in question, or 
                                              If  all  of  the  criteria  above  are  met  and  you  are  still 
         report you as delinquent on that amount. 
                                             dissatisfied with the purchase, contact us in writing at: 
       ?  The charge in question may remain on your 
                                               Bank of the West 
         statement, and we may continue to charge you 
                                               BankCard Customer Service Department 
         interest on that amount. 
                                               PO Box 2319  
       ?  While you do not have to pay the amount in 
                                               Omaha, NE 68172-9793 
         question, you are responsible for the remainder of 
                                             While we investigate, the same rules apply to the disputed 
         your balance. 
                                             amount  as  discussed  above.   After  we  finish  our 
       ?  We can apply any unpaid amount against your 
                                             investigation, we will tell you our decision.  At that point, if 
         credit limit. 
                                             we think you owe an amount and you do not pay, we may 
    After we finish our investigation, one of two things will 
                                             report you as delinquent. 
    happen: 
                                              
       ?  If we made a mistake: You will not have to pay the  NOTICE FOR WISCONSIN RESIDENTS: Any holder of this 
         amount in question or any interest or other fees  Credit Card Agreement is subject to all claims and defenses 
         related to that amount.             which the debtor could assert against the seller of goods or 
       ?  If we do not believe there was a mistake: You will  services  obtained  pursuant  hereto  or  with  the  proceeds 
         have to pay the amount in question, along with  hereof.  Recovery hereunder by the debtor shall not exceed 
         applicable interest and fees.  We will send you a  amounts paid by the debtor hereunder. 
         statement of the amount you owe and the date   
         payment is due.  We may then report you as 
    M-114759 
    BW-WCCAG (04/2015)