No Postage Necessary If Mailed in the United States
BUSINESS REPLY MAIL
FIRST CLASS PERMIT KO. 97 LINCOLN, NEBRASKA
POSTAGE WILL BE PAID BY ADDRESSEE
BANKCARD DEPARTMENT
P.O. BOX 29769 LINCOLN NE 68529-9990
Pinnacle Bank
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Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products. Like our convenient, flexible Visa® & Visa® Gold Credit Cards. It's accepted at thousands of locations worldwide for just about any type of purchase you can dream up. Our card comes with the personal, friendly service you've come to expect from us. So, whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board.
Apply for yours today!
When you use the...
# Pinnacle Bank
Member FDIC
Visa® or Visa® Gold Credit Card for the purchase of goods or services, the following benefits are yours! TRAVEL ACCIDENT INSURANCE
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance everytime you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST.
SCORECARD® BONUS POINTS
Earn Bonus Points for every net retail purchase you make with our Pinnacle Bank Credit Card! You can redeem Bonus Points for brand-name merchandise and exciting travel awards. Visit www.scorecardrewards, com and browse the current award selections. You'll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives.
With Visa®
ADVANTAGE-BASIC
Travel Reservation Service Bonus Travel Dividends Vision Care Discounts Prescription Discounts
•	Payment Card Registration
•	Quarterly Newsletter
•	Key Registration
•	Auto Rental Insurance
With Visa® Gold
ADVANTAGE - COMPLETE
# Pinnacle Bank
Member FDIC
•	Travel Reservation Service
•	Bonus Travel Dividends
•	Concierge Services
•	Automobile Rental Insurance
•	Personal Shopper
*	Vision Care Discounts
•	Prescription Discounts
•	Medical Assistance Services
•	Payment Card Registration
•	Quarterly Newsletter
•	Key Registration
•	Auto Rental Discount
•	Travel Protection
-	Lost Luggage Locator Service
-	Lost or Damaged Luggage Insurance
-	Hotel-Motel Burglary Insurance
03/11 #AA01
CREDIT APPLICATION
Credit Limit Requested $
Check Account Choice:
(Signature required for joint applicant)
□	Individual Account
□	Joint Account
(see co-applicant and signatures section)
□ Credit Line Increase
Check Card Choice□ Visa0□ Visa0 Gold
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering-activities, Federal laws require all financial institutions to obtain, verify and record information that identifies each person who opens an Account. What this means to you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
M	APPLICANT Note: All applicable sections should be filled out completely to avoid delay in processing your application.	Last Name			First			Middle		Social Security Number
	Date of Birth	No. of Dependents		Home Phone { )		Cell Phone ( )		Own Rent Other □	□ □	Monthly Payments
	Current Address			City			State	Zip Code	How Long (yrs)
	Mailing Address (if different from above)			City			State	Zip Code	How Long (yrs)
	Previous Address (if less than 2 years at present address)			City			State	Zip Code	How Long (yrs)
	Employer				Self Employed □ Yes □ No		Work Phone ( )		Date Employed
	Address						Positron/Occupation		Monthly Gross Income $
	Name and Address of Previous Employer (if less than 2 years at present employer)								How Long (yrs)
	Source of Additional Income: Income from alimony, child support or separate maintenance need not be revealed if it is not considered In determining creditworthiness								Amount per Month $
	Nearest Relative (Not Living With You)						Home Phone ( )		Relationship
CO-APPLICANT .Intended for joint applicant, this information is not required tor an individual account	Last Name			First			Middle		Social Security Number
	Date of Birth	No. of Dependents		Home Phone ( )		Cell Phone ( )		Own	Rent	Other □	□ □	Monthly Payment $
	Current Address			City			State	Zip Code	How Long (yrs)
	Previous Address (if less than 2 years at present address)			City			State	Zip Code	How Long (yrs)
	Employer				Self Employed □ Yes □ No		Work Phone ( )		Date Employed
	Address						Position/Occupation		Monthly Gross Income $
CREDIT INFO Attach Additional Sheets If Necessary	Name and Address of Creditor		Name under Which Account is Carried			Account Number		Balance	Monthly Payment
	1. Home Mortgage/Rent								
	2. Bank Credit Card/Bank Name and Address								
SIGNATURES	PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted to obtain credit and J/we certify that all information herein is true and complete. I/We agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credil policies of this institution, t/We agree to be bound by the terms and conditions of the cardholder agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by toe applicant’s use. If you intend to apply for joint credit, the undersigned shall be jointly and severally liable for any and all credit extended from time tc time. We may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. X 	 X	 Applicant Signature	Date	Co-Applicant Signature	Date								
TRANSFER OF BAL REQUEST	Upon approval, 1 wish to transfer my present balance on the credit card account(s) listed below to my new credit card account. □ Credit Card Account Number		 Amount to be transferred $	 Signature									
FOR INTERNAL USE ONLY	Visa Account No.								
	Date Approved			Credit Line				Approved By	
Pinnacle Bank, Lincoln. NE 68529-9900	FOLD AND SECURE WITH TAPE FOR MAILING	Application ©2009 FIS9 04/II
AGENT ID # 000000	•	All contents are accurate at the time of printing, for changes that may have been made after printing please call (800) 261-8852.
1 Interest Rates and Interest Charges	Visa-5	Visa® Gold
Annual Percentage Rate (APR) for Purchases	15.99% Fixed	10.99% Fixed
APR for Balance Transfers	15.99% Fixed	10.99% Fixed
APR for Cash Advances	15.99% Fixed	10.99% Fixed
Penalty APR and When it Applies	None	
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge yo interest on retail purchases ifyou pay your entire balance by the due date. We will begin charqinq interest on cash advances and/or balance transfers on the transaction date.	
Minimum Interest Charge	N/A	
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the web site ofthe Federal Reserve Board at http://www.federalreserve.gov/creditcard.	
1 Fees	Visa0	Visa® Gold
Annual Fee	N/A	N/A
Transaction Fees •	Balance Transfer •	Cash Advances •	Foreign Transaction	2.0% of the amount transferred. 2.0% of the amount advanced ($2.00 minimum) 1.0% of each transaction in US Dollars	
Penalty Fees •	Late Payment •	Over-the-Credit-Limit *	Returned Payment	Upto $25.00 None None	
Other Fees • Telephone Payment Fee	$10.00 per occurrence if processed with a live representative. No charge if processed through the automated system.	
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases),* An explanation of this method is provided in your account agreement Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE.
This notice tells you about your rights and responsibilities under the Fair Credit Silling Act.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement write to us at the address shown on your monthly billing statement
In your letter, give us the following information:
•	Account Information: Your name and account number.
■	Dollar Amount: The dollar amount of the suspected error.
•	Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
•	Within 60 days after the error appeared on your statement.
*	At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing (or electronically}, You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
1.	Within 30 days after receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2.	Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
•	We cannot try to collect the amount in question, or report you as delinquent on that amount
•	The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
•	While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•	We can apply any unpaid amount against your credit limit
After we finish our investigation, one of two things will happen:
•	Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
•	l£we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the a mou nt we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within W days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bilk We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of tire amount in question, even if your bill is correct
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all ofthe following must be true:
I.	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 forthe purchase.
If all of Vie criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or electronically) at the address shown on your monthly billing statement.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
0183-PINNBOC REV. 12.11
07.11_CREDITCARD_AGREEM ENT
PINNACLE BANK/BANK OF COLORADO
CREDIT CARD AGREEMENT
This Agreement, along with the Credit Application and Credit Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement.
You acknowledge receipt of a copy of this Agreement.
A.	WORDS OFTEN USED IN THIS AGREEMENT
In this Agreement, "We," "Us," and "Our" mean Pinnacle Bank/ Bank of Colorado. "You" and "Your" mean each person who signs an application for, or otherwise requests, a credit card account with us. "Account" means your credit card account with us. "Card" means each credit card we issue to you for your Account.
B.	AGREEMENT
You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount ofthe transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars. You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a charge slip, or if you use or permit someone else to use the card. If the Account is a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use ofthe Account, be bound by the terms of this Agreement.
If you want to cancel the authorized or permitted use of your Account by another person, you may either write us at the address or call us at the telephone number shown on your Statement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.

C.	H0W YOUR CARD MAY BE USED
Your card may be used at any place where credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission.
D.	CREDIT LIMIT
Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time.
E.	PAYMENTS
You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us and is shown on your billing Statement.
F.	INTEREST
At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application.
G.	GOVERNING LAW
This Agreement is governed by laws ofthe state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law.
H.FEES
Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the attached Credit Application. By executing the Application you agree to.pay them when applicable.
I.	DISPUTE RESOLUTION
We can delay enforcing our rights under this Agreement without losing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed.
J.	UNLAWFUL TRANSACTIONS
You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business.
K.	CHANGE IN TERMS OF YOUR ACCOUNT
We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty ifyou do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation.
L.	CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S)
You are responsible for promptly notifying us of a change in your name, address (including any e-mail address at which you agree to be contacted), or telephone numbers) including any wireless telephone numbers).
Pricing Addendum
INTREST RATES AND FINANCE CHARGES
Interest Rates
The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges.
Variable rates are determined by adding a specified amount ("Spread”) to an Index (described below).
Index for Variable Rate Accounts
Index Information
For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wall Street Journal that is in effect on the first day ofthe prior month ("Prime Rate"). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time any APR changes; we will apply it to any applicable balances.
Specific Rates and Fees may be determined based on your creditworthiness.
Visa Classic -Papillion Purchase APR Prime plus 16.00%	Visa Classic w/fee-Papillion Purchase APR Prime plus 16.00%	Master Card-Papillion Purchase APR Prime plus 16.00%	Visa Gold-Lincoln Purchase APR 10.99% Fixed	Visa Classic-Lincoln Purchase APR 15.99% Fixed
Balance Transfer APR NA	Balance Transfer APR NA	Balance Transfer APR NA	Balance Transfer APR 10.99% Fixed	Balance Transfer APR 15.99% Fixed
Cash Advance APR Prime plus 16.00%	Cash Advance APR Prime plus 16.00%	Cash Advance APR Prime plus 16.00%	Cash Advance APR 10.99% Fixed	Cash Advance APR 15.99% Fixed
Penalty APR NA	Penalty APR NA	Penalty APR NA	Penalty APR NA	Penalty APR NA
Penalty APR: NA.
Interest and Finance Charges
Minimum Interest Charge: NA.
Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. The interest on cash advances and/or balance transfers will begin on the transaction date.
Balance Transfer Fee: 0% -2% ofthe amount transferred.
Cash Advance Fee: 0% -2% of the amount advanced ($2.00 minimum).
Foreign Transaction Fee: 1% of each transaction in U.S. dollars.
ACCOUNT FEES AND OTHER CHARGES
Annual Fee: $0 - $15.
Late Payment Fee: Up to $25.
Over the Credit Limit Fee: NA.
Returned Payment Fee: NA.
Required insurance, debt cancellation or debt suspension coverage: NA
Phone Payment Fee: $10.00 per occurrence if processed with a live representative. No charge if processed through automated system.
Lost/Damage Fee: $0 - $20.00
Balance Computation Method: The finance charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of cash advances (and if applicable, purchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.
Disclosure of Rates: The Daily Periodic Rate, which is used to determine your Interest Charges and the corresponding Annual Percentage Rate, may be variable rates, which may change semi-annually. The Daily Periodic Rate will be one-three hundred sixty fifth ofthe sums ofthe U.S. prime rate published in Money Rates table of The Wall Street Journal that is in effect on the first day of the prior month. ("Prime Rate"), plus a "Spread" of 16.00 percentage points for the Standard Rate. Any changes in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time any APR changes; we will apply it to any applicable balances.