SNP-D-0911(AFTI)

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
APR for Cash Advances

How to Avoid Paying Interest 
on Purchases

Minimum Interest Charge

For Credit Card Tips from the 
Federal Reserve Board

Fees

Annual Fee

Transaction Fees
  ● Cash Advance
  ● Foreign Transaction

Penalty  Fees
  ● Late Payment
  ● Returned Payment

21.9% This APR will vary with the market based on the Prime Rate.
21.9% This APR will vary with the market based on the Prime Rate. 
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.
If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Federal Reserve Board at http://www.federalreserve.gov/
creditcard

$50 per year

3% of each advance or a minimum of $5, whichever is greater.
2% of the transaction amount.

Up to $35
Up to $29

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”.

Show MasterCard Credit Card Terms and Conditions
Important Information: Please take the time to read and save. 

PRESCREEN & OPT-OUT NOTICE:  You were selected for this “prescreened” offer of credit because the credit bureau gave us your 
name and address and indicated that you met our minimum credit criteria (the way you maintain your other credit cards and/or loans). If 
you do not want to be included on marketing lists you can tell the credit bureaus to stop using your credit information for this purpose. 
To make this request, you need to notify the credit bureaus at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway, B2, 
Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA, 
19094-0505, or call 1-888-567-8688.

Important Information About Procedures For Opening a New Account: To help the government fight the funding of terrorism and money laundering 
activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What 
this means for 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.

Qualify For Future Unsecured Credit: Initially, you will be issued a MasterCard® with at least a $500 credit limit. If you make all your payments on
time, plus pay more than the minimum due each month, and subject to other conditions in effect from time to time including your debt to income ratio
you may be eligible to receive future credit limit increases. This allows you to increase your credit limit by establishing a good credit history with us.
The maximum credit limit is $2,500.

Privacy: Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all 
sharing. All  financial  companies  need  to  share  customers’  personal  information  to  run  their  everyday  business.  We  do  not  share  your  personal 
information except as permitted by law to process your transactions, maintain your account(s), respond to court orders and legal investigations, to 
report to credit bureaus, or to offer our products and services to you. We will provide a complete Privacy Notice when your account is approved. If you 
would like a copy of our Privacy Notice, you may obtain one by visiting our website at www.showcardcc.com.

Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email address.

Authorization / Notices: By filling out and submitting the application, you are requesting credit from us.  You confirm that all information you provide 
to us is true and correct.

Credit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now and in the future, for any 
legitimate business purpose associated with the Account or request for an Account, including but not limited to reviewing, modifying, renewing or 
collection on your Account.  We may report information about your Account to credit bureaus.  Late payments, missed payments, or other defaults on 
your Account may be reflected on your credit report.  You and each Authorized User agree that we may report account information to credit reporting 
agencies in the names of both you and the Authorized User.

Optional PREMIUM Club Membership:  This optional program offers participants products and services by national retailers in addition to added 
card protection and services. The cost of this program is $4.95 per month and is included on your billing statement. If after receiving the contents of the 
welcome kit you are not satisfied, return the entire membership materials along with a written explanation requesting your cancellation. All cancellations 
must be in writing and received within 30 days after the kit is mailed. Using the services, products or discounts of the PREMIUM Club signifies your 
acceptance of the membership and associated enrollment fee. This program is offered and administered by Capital Enhancement Services, LLC. The 
PREMIUM Club is a service mark of Capital Enhancement Services, LLC. All rights reserved. ©Copyright 2006, Capital Enhancement Services, LLC.

Show MasterCard Credit Card Contract and Initial Disclosure Statement  

Please  read  this  Contract  carefully.   The  use  of  your  MasterCard  credit  account  is  governed  by  this  Credit  Card  Contract  and  Initial  Disclosure 
Statement (“Contract”).
1.  Definitions:    In  the  Contract,  “Bank,”  “we,”  “our”  and  “us”  refer  to  Bryant  State  Bank  (Bryant,  SD)  and  we  are  the  creditor  named  in  the 
application you signed.  “You,” “your” and “applicant” are the person(s) who applied to us for the Credit Account.  Other defined terms in this 
Contract include:
A.  “Active Account” means the Account is not closed.  Accounts suspended by us are considered active accounts.
B.  “Authorized User” means any person you authorize to use the Card or your Credit Account to obtain credit.
C.  “Average Daily Balance” has the meaning described in paragraph 11.
D.  “Billing Cycle” means a billing period of approximately one month, beginning on or about the same day of each month.  We reserve the 

right to change the timing of the Billing Cycle at any time.

E.  “Card” means the plastic credit card(s) we have issued to you under this Contract.
F.  “Cash Advances” means credit you or an Authorized User obtain on your Credit Account by presenting the Card (or any other credit 
device we supply you) to any financial institution to obtain cash, making a transfer from your account to any other deposit or loan account 
or by using the Card at an authorized merchant or automated teller machine (“ATM”) or other device available for the purpose of obtaining 
cash.

G.  “Closing Date” means the last day of any Billing Cycle.
H.  “Contract” means the terms and conditions outlined in this Contract that governs the use of your Credit Account and Card.
I. 

“Credit Account” or “Account” means the credit card account we open for you which is used to record transaction activity made by you 
when you access or otherwise utilize the line of credit we extend to you.

J.  “Credit Limit” means the maximum amount of credit which may be outstanding at any time on the Credit Account.
K.  “Minimum Payment” has the meaning described in paragraph 7.
L.  “New Balance” means the outstanding balance on your Credit Account at the end of any Billing Cycle.  The New Balance is the sum of the 
Previous Balance (the ending balance on your last statement) less payments and credits, plus new Purchases and new Cash Advances 
and our charges posted during the Billing Cycle.

M.  “Payment Due Date” has the meaning described in paragraph 5.
N.  “PIN” means the Personal Identification Number which may be assigned to your Credit Account. 
O.  “Posting Date” means the date that the charge was debited or credited to your Account.
P.  “Purchase” means credit you or an Authorized User obtains on the Account when the Card or Account number is presented to a merchant 

to purchase goods or services.

Q.  “Statement” means a statement of your Account which we send at the end of any Billing Cycle in which we owe you or you owe us more 

than $1.00, or any charge, payment, credit, Cash Advance or Purchase to your Account has occurred.

R.  “Transaction Date” means the date the goods or services were purchased or the date the Cash Advance was made.

2.  Your Responsibility for the Account: You are responsible for all amounts owed on your Account, whether it is used by you or by an Authorized 
User, and you agree to pay such amounts according to the terms of this Contract.  We expect that you will retain control over the Card and 
its use, not allowing any other person to use the Card.  In the event you allow another person to use the Card, you will be liable to us for such 
usage.  We extend purchase credit to you on your Account when we pay the merchant on your behalf for the transaction.

At your request, we may issue an additional Card with your Account number in the name of an Authorized User.  You agree to be obligated 
for all purchases, cash advances, interest and other fees resulting from the Authorized User’s use of the Account.  The Authorized User will also 
be responsible for all purchases, cash advances, interest and other fees resulting from their use of the Account, but we are not required to seek 
recovery from the Authorized User before requiring payment from you.  If you decide to terminate an Authorized User’s use of the Account, we 
must receive written notice from you, together with the return of the Card issued to the Authorized User (cut in half).  You remain responsible 
for all charge activity made until we receive notification.

Each  person  receiving  a  Card  agrees  to  sign  the  Card.    Cards  are  not  transferable  and  should  not  be  given  to  anyone  else  to  use.  
Additional people who desire an account should apply for their own account.  You may apply for an additional Card for Authorized Users.  The 
Cards are issued by us and you agree to surrender the Cards to us upon our demand.  You also agree to notify us immediately if the Card is 
lost or stolen or you suspect unauthorized use of the Card.

You promise to pay us all sums you owe on your Credit Account, along with our Interest and other charges, in accordance with this 

Contract.

3.  Using your Account to Obtain Credit: We reserve the right, in our sole discretion, to limit the use, amount, frequency, or number of transactions 
you can make on the Card, including limiting your use of the Card at ATMs. You can use the Card and your Account to make Purchases and 
obtain Cash Advances as long as you do not exceed your Credit Limit and your Account is not closed, suspended, or exceeds authorization 
limits. When you receive your Card, you may be assigned a PIN. If a Pin is assigned to you, you can obtain a Cash Advance at any authorized 
ATM by using the Card and PIN. A Cash Advance must be greater or equal to $20.00 to be approved. Your Card cannot be used for illegal 
transactions.

4.  Your Credit Limit: Your Credit Limit appears on the Card Carrier and on your Statements.  You may not exceed your Credit Limit at any time.  
However, if we choose to permit you to obtain additional credit, we may require that you pay us any amount over your Credit Limit immediately 
upon  demand  rather  than  in  monthly  installments  and  we  may  suspend  your Account  privileges  or  cancel  your Account  as  described  in 
Paragraph 28. Your Cash Advance limit is fifty percent (50%) of your total Credit Limit.

5.  Monthly Billing Statements: We will send you a monthly Statement at the end of each billing period.  The Statements will reflect the account 
activity and our charges during the Billing Cycle.  They will also show your Minimum Payment and the Payment Due Date, which is the date we 
must receive at least the Minimum Payment.  If there are more than one of you living at different addresses, we will send the Statements only 
to the person named as the “Applicant” on the application.

6.  Payments: Payments will be credited as of the date of receipt if they are received at the address on the payment stub.  We may accept late 
payments or partial payments or checks and money orders marked “payment in full” or similar language, without losing any of our rights under 
this Contract to receive payment in full.  Payments should not be made by postdated check.  If we receive payment by postdated check, we 
may deposit it and shall have no liability if it is posted prior to the date that appears on the check.  We reserve the right to limit available credit 
resulting from any payment for up to fourteen (14) days.  However, for security purposes, we may hold a payment longer.  By sending your 
check, please be aware that you are authorizing us to use the information on your check to make a one-time electronic debit from your account 
at the financial institution indicated on your check.  This electronic debit will be for the amount of your check; no additional amount will be added 
to the amount.  Please contact the Customer Service Department at the telephone number on your Statement to learn about other payment 
options if you prefer to not have your check used in this way.  In the event that your check is returned unpaid for insufficient or uncollected funds, 
we may represent your check electronically.  In the ordinary course of business, your check will not be provided to you with your bank statement, 

 
  
 
  
 
  
but a copy can be retrieved by contacting your financial institution.

7.  Minimum Payment: You may pay your entire balance at any time, without penalty.  Whenever a balance is due, you must pay us at 
least the Minimum Payment each month.  The Minimum Payment is the sum of (i) the Monthly Payment plus (ii) all past due Monthly 
Payment amounts plus (iii) any amount your Account exceeds the Credit Limit.  The Monthly Payment is the greater of: $30.00; 4% 
of your balance or Current Cycle’s Interest, Late Payment Fee, and 1% of the balance. If your New Balance is less than the Minimum 
Payment, the New Balance is due in full.  We must receive your payment on or before the Payment Due Date shown on the Statement.  
The Payment Due Date will be twenty-five (25) days from the Closing Date.

8.  Applying your Payments: In general, the payment will be applied in the following order: Unpaid Interest, Unpaid Fees and other 
Charges; and then principal balance. Payments applied to the principal balance will first be paid to balances at the highest Annual 
Percentage Rate (APR) and then to balances at lower APR’s.

9.  Payment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United States.  
Payments should be made payable to Show MasterCard Credit Card.  Do not send cash through the mail.  Payments made through 
the mail in the form of cash or third-party checks may not be accepted. Payments cannot be paid at a branch bank.  Payments mailed 
to the payment address and received by 5 P.M. Central Time will be credited the same day.  For other payment options, please call 
Customer Service at (866) 205-8313.

10.  When Interest is Imposed: Interest will be imposed on Purchases only if you elect not to pay the entire New Balance shown on your 
Statement by the Payment Due Date.  For Cash Advances, Interest is imposed from the date the Cash Advance is made until it is paid 
in full and there is no grace period in which you may repay a Cash Advance to avoid Interest.

11.  Average Daily Balance: We start with the Previous Balance and add purchases and cash advances as of their post dates and fees 
and charges as of the transaction dates.  We subtract payments and credits as of their post dates.  Then we add the daily balances 
and divide by the number of days in the Billing Cycle.  To calculate the interest, we multiply the Average Daily Balance by the Monthly 
Periodic Rate.  The Monthly Periodic Rate is calculated by dividing the Annual Percentage Rate disclosed in the “Interest Rates and 
Interest Charges” table on the back of the application by 12 (months).  In any Billing Cycle when you are subject to Interest and the 
Interest as computed above is less than the minimum Interest as indicated in the “Interest Rates and Interest Charges” table on the 
back of the application, you will be billed the minimum Interest.

12.  Annual Percentage Rate: The Standard Annual Percentage Rate is the Prime Rate plus 18.65%. The Prime Rate is determined by 
using the “Money Rates” column in the Wall Street Journal on the first business day of each month, which is identified as “The base 
rate on corporate loans at large, U.S. money center commercial banks.” If more than one “Prime Rate” is listed in that column, the 
largest rate listed will be used. The APR for Cash Advances is the Standard APR.

13.  Account Fees: Please see the “Fees” table on the back of the application for the amounts of charges applicable to your Account.  Your 
account terms may or may not include all charges listed below.  You agree to pay us the following other Fees, each of which will be 
billed to your Account as a Purchase and will accrue Interest:
a.  Annual Fee: We may impose an Annual Fee on your Credit Account.  The Annual Fee will be charged on the first Billing Cycle and 

in about the same Billing Cycle of each following year. 

b.  Cash Advance Fee: We charge a Cash Advance Fee for each Cash Advance taken on your Account through either an ATM, bank 

withdrawal or other means provided.

c.  Late Payment Fee: In every billing period in which your payment is not received by the payment due date, you will be charged a 

Late Payment Fee.

d.  Returned Payment Fee: If any check or other payment instrument is not honored for any reason by the institution on which it was 

drawn, we will impose a Returned Payment Fee.

e.  Foreign Transaction: We charge a fee for converting transactions to U.S. Dollars if made in another currency.

14.  Other Fees: You agree to pay us the following other Fees, each of which will be billed to your Account as a Purchase and will accrue 

Interest:
a.  Authorized User Fee: If you request to add an Authorized User, there is a $20.00 annual Authorized User Fee.
b.  Express Delivery Fee: We will charge a $25.00 fee for the express delivery of your Cards sent priority two (2) day courier.  
c.  Expedited Payment Fee: We will charge a $9.00 fee if you speak with a customer service representative and request that we 
expedite your payment by withdrawing funds from your checking or savings account to make a payment on your Account. We will 
process your request and post an Expedited Payment Fee to your Account.

d.  Returned Payment Charge: If any check or other payment instrument is not honored for any reason by the institution on which it 

was drawn, we will impose a Returned Payment Charge. 

e.  Copying Fee: We will charge a $5.00 per item fee if you request a duplicate of any sales draft, statement or other document. We 

will charge you for each copy we provide.

f.  Due Date Change Fee: We will charge $10.00 if you request a change in your payment due date.
g.  Replacement Card Fee: We will charge $10.00 to replace your credit card.

15.  Lost or Stolen Cards: If your Card is lost or stolen, or if you believe that it is being used without your permission, you must notify us 
at (866) 205-8313, which is available 24 hours a day.  You should also follow up in writing.  You should not use the Account or Card 
after you have notified us.  You will not be liable for any unauthorized use that occurs after you notify us of the loss, theft or possible 
unauthorized use.

16.  ARBITRATION: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.  YOU AGREE THAT ANY DISPUTE WILL 
BE RESOLVED BY BINDING ARBITRATION.  ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE 
RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.  IN ARBITRATION, 
A  DISPUTE  IS  RESOLVED  BY  AN  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY.    ARBITRATION  PROCEDURES  ARE 
SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.  YOU ALSO AGREE ANY ARBITRATION WILL BE LIMITED TO 
THE DISPUTE BETWEEN YOU AND US AND WILL NOT BE PART OF A CLASS-WIDE OR CONSOLIDATED ARBITRATION 
PROCEEDING.
a.  Agreement to Arbitrate: You and we agree that any Dispute will be resolved by Arbitration.  This agreement is governed by the 

Federal Arbitration Act (FAA), 9 USCS § 1 et seq. and the substantive law of the State of South Dakota.

b.  Definitions: Arbitration is a means of having an independent third party resolve a Dispute.  A “Dispute” is any controversy or 
claim between you and us.  The term Dispute is to be given its broadest possible meaning and includes, without limitation, all 
claims or demands (whether past, present or future, including events that occurred prior to the opening of this Account), based 

on any legal or equitable theory (tort, contract or otherwise), and regardless of the type of relief sought (i.e. money, injunctive 
relief or declaratory relief).  A Dispute includes, by way of example and without limitation, any claim based upon federal or state 
constitution, statute, ordinance, regulation, or common law, and any issue concerning the validity, enforceability or scope of this 
arbitration agreement.  The term “you” includes any cosigner, co-obligor, guarantor, joint user or Authorized User and also your 
heirs,  guardian,  personal  representative  or  trustee  in  bankruptcy.   The  term  “us”  includes  our  employees,  officers,  directors, 
attorneys, affiliated companies, predecessors and assigns, as well as our marketing, servicing and collection representatives and 
agents.

c.  Selection of Arbitrator.  If a Dispute arises, the party asserting the claim or defense must initiate arbitration, provided you or we 
may  first  try  to  resolve  the  matter  informally  or  through  customary  business  methods,  including  collection  activity. The  party 
filing an arbitration may initiate and pursue the matter with the American Arbitration Association (“AAA”) or we may agree upon 
a  different  arbitrator  described  below.  If  you  claim  you  have  a  Dispute  with  us,  but  do  not  initiate  an  arbitration  or  select  an 
arbitrator, we may do so. You may obtain copies of the current rules of AAA and forms and instructions for initiating an arbitration 
by contacting them as follows:

American Arbitration Association 
335 Madison Avenue, Floor 10 
New York, NY 10017-4605   
Website: www.adr.org

The policies and procedures of the arbitrator will apply provided that they are consistent with this arbitration agreement.  To the 
extent the arbitrator’s rules or procedures are different than the terms of this arbitration agreement, the terms of this agreement 
shall apply. If the AAA is not available to adjudicate the matter, or if the AAA is not convenient or acceptable to you, you and we 
may agree on one or more neutral arbitrators. If you and we cannot agree on arbitrator(s), an arbitrator will be appointed by a court 
with jurisdiction over the matter pursuant to the FAA.

d.  Cost of Arbitration: We will pay the filing fee and any costs or fees charged by the arbitrator regardless of whether you or we 
initiate the arbitration.  Except where otherwise provided by applicable law, each party will be responsible for its own attorneys’ 
fees and other expenses.  Unless prohibited by law, the arbitrator may award fees, costs and reasonable attorneys’ fees to the 
party who substantially prevails in the arbitration.

e.  Place of Arbitration: Unless you and we agree to a different location, the arbitration will be held in the same city as the U.S. District 
Court closest to your then-current mailing address. The arbitrator may decide the matter based upon written submissions by the 
parties if permitted under the arbitration rules.

f.  Waiver of Rights: You are waiving your right to a jury trial, to have a court decide your Dispute, to participate in a class action 
lawsuit and to certain discovery and other procedures that are available in a lawsuit.  The arbitrator has the ability to award all 
remedies available by statute, at law or in equity to the prevailing party.  You and we agree that the arbitrator has no authority to 
conduct class-wide proceedings and will be restricted to resolving the individual disputes between you and us.  If an arbitration 
firm or arbitrator fails or refuses to enforce the waiver of class-wide arbitration, then the Dispute will proceed in court. The validity, 
effect and enforceability of this waiver of class action lawsuit and class-wide arbitration is to be determined solely by a court of 
competent jurisdiction and not by the arbitration firm or arbitrator. If such court refuses to enforce the class-wide arbitration waiver, 
then it is agreed the Dispute will proceed in court rather than arbitration.

g.  Review of Arbitration Award. The arbitrator shall apply applicable federal and South Dakota substantive law and the terms of 
your agreements with us.  The arbitrator shall make written findings and the arbitrator’s award may be filed with any court having 
jurisdiction.  The arbitration award shall be supported by substantial evidence and must be consistent with your agreements with 
us and applicable law or may be set aside by a court upon judicial review.

h.  Other Provisions: If any portion of this arbitration agreement is subsequently deemed unenforceable, the enforceability of any 
other provision of this agreement shall not be affected and the unenforceable term shall be amended such that it is enforceable 
to the maximum extent permitted by law provided that if a class action litigation or a class-wide arbitration is permitted for any 
reason, either party may require that the entire Dispute be heard by a Judge, sitting without a jury, under applicable court rules 
and procedures.  This arbitration provision shall survive: (i) termination or changes in your agreements with us, the Account, or the 
relationship between you and us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment 
of the Account, or any amounts owed on the Account, to any other person or entity.

i.  Right to Opt-Out: If you do not wish to agree to arbitrate all Disputes with us, you must advise us in writing at the following address 
within thirty (30) days of our mailing this agreement to you at the most recent mailing address we have for you: Bryant State Bank,  
PO Box 5161, Sioux Falls, SD 57117-5161.

17.  If Your Card is Refused: We are not responsible, and have no liability, if a merchant, a financial institution, an ATM or any third 
party refuses to honor your Card or accept a transaction on your Account.  Although you may have the credit available, we may be 
unable to authorize credit due to operational difficulties or mistakes.  The number of transactions you make, or transactions above a 
certain dollar amount, may require authorization before the transaction is approved.  Neither we nor our agents will be responsible 
or have any liability if authorization for a transaction is not given.  If your Account is over limit or delinquent, authorization of credit 
for transactions may be declined.  All transactions, even those for which we have provided you with a receipt, are subject to our final 
verification.

18.  Cardholder Privacy: We will provide you with a complete Privacy Notice on an annual basis.  We may from time to time, review 
your credit, employment and income records.  Your telephone calls with our service representatives may be recorded and may be 
listened to in order to evaluate the quality of customer service we provide to you.  We may use automated telephone equipment or pre-
recorded telephone calls to contact you about your Account.  We may offer a variety of methods by which you can obtain information 
about your Account.  Security measures cannot insure against unauthorized inquiries.  You agree that we will not be responsible for 
the release of information to anyone who has gained possession of a Card or Identification Number, Credit Account Number or Social 
Security Number.   

19.  Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number or contact us from your cellular 
phone, you are providing this phone number for us, our affiliates or any third party acting on our behalf to contact you at this number.  
You agree that we may use this phone number to contact you for any business purpose related to your account and you agree to be 
responsible for any fees or charges you incur as a result of providing this information.  You may request this number not be used.  We 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
may offer options for text messages or other electronic communications that may be received or accessed from your cellular phone 
and you agree that by enrolling in these services, you understand and agree to be responsible for any fees or charges you incur as a 
result of this enrollment.

20.  Foreign Currency Conversion: If you make a transaction with your Account in a currency other than U.S. Dollars, Visa or MasterCard 
will convert the charge in a U.S. dollar amount using either (a) a rate selected by Visa or MasterCard from the range of rates available 
in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa or MasterCard 
receives, or (b) the government-mandated rate in effect for the applicable central processing date.  The exchange rate used by Visa 
and MasterCard for a particular transaction is the rate Visa and MasterCard selects on the processing date and may differ from the 
rate on the date the transaction occurred or the rate on the date the transaction is posted to your Account.

21.  Your Billing Rights: Keep this Document for Future Use.  This notice tells you about your rights and our responsibilities under the 

Fair Credit Billing Act.

  What To Do If You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Bryant State 
Bank PO Box 5161, Sioux Falls, SD 57117-5161. In your letter, give us the following information: Your name and account number; the 
dollar amount of the suspected error; a description of the 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; 1) Within 60 days after the error appeared on your statement and 
2) If you have enrolled in automatic payment, at least 3 business days before the 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. 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.

  When we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.  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: If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount. If 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 amount we think you owe.  If you receive our explanation but still 
believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you 
as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you 
have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must 
have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more 
than $50.  (Note: These limitations do not apply 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: Bryant State 
Bank, PO Box 5161, Sioux Falls, SD 57117-5161. 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.

22.  Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this Contract without losing them.
23.  Credit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now and in 
the future, for any legitimate business purpose associated with the Account or request for an Account, including but not limited to 
reviewing, modifying, renewing or collection on your Account.  We may report information about your Account to credit bureaus.  Late 
payments, missed payments, or other defaults on your Account may be reflected in your credit report.  You and each Authorized User 
agree that we may report account information to credit reporting agencies in the names of both you and the Authorized User.

24.  Change in Terms of your Credit Account: We may change any term of this Contract at any time upon such notice to you as is 
required by law.  For example, we may change your Account Number or the Minimum Payment, add new charges or fees, change the 
Annual Percentage Rate, or change the method of computing the balance upon which we impose our charges.  We may also make 
other changes.  The change in terms will apply to existing balances and new transactions on your Account if permitted by law.  If you 
notify us in writing that you intend to terminate your credit privileges on your Account, you agree to abide by the terms of this Contract 
as in effect prior to the changes and not use your Card.   You will have the remainder of the time under this Contract to pay all sums 
owed to us in accordance with the Contract terms, and Interest and Fees will accrue.  To avoid additional Interest and Fees on your 
Account, you may pay your Account in full.  In either case, you agree to return the Card(s) to us on or before such effective date of the 
change in terms.  

25.  Law Governing this Contract: This Contract is entered into in the State of South Dakota where the decision to grant credit will be 
made.  Therefore, this Contract will be governed by the laws of the State of South Dakota applicable to contracts, and by applicable 
Federal law, as well as all rules, regulations, orders and interpretations promulgated under such laws to the extent applicable to your 
Credit Account.

26.  Severability: If any provision of this Contract is invalid or unenforceable under any law, rule or regulation, it shall not affect the validity 

or enforceability of any other provision of this Contract.

27.  Default: You will be in default of this Contract if any of the following occur:

a. 
b. 
c. 
d. 
e. 
f. 
g. 

If you do not make a Minimum Payment on your Account on or before the Payment Due Date;
If you die or become legally incompetent;
If you become insolvent or bankrupt;
If you exceed or attempt to exceed your Credit Limit;
If you provide us with or have provided us with false or misleading information or signatures at any time;
If you fail to comply with this Contract;
If you fail to make any payment or perform any promise in any agreement or obligation you have with us;

 
 
If any judgment, lien, attachment or execution is issued against you or your property;
If you request an excessive number of replacement Cards; or

h. 
i. 
j.  We reasonably deem the prospect of repayment of your Account to be in jeopardy for any reason.

If  you  are  in  default,  we  may  immediately  terminate  the  credit  privileges  on  your Account.    We  need  not  give  you  notice  of 
termination.  We may also demand that you immediately pay us all sums owing on your Account, including all unpaid Interest, Fees 
and all other charges.
   We may also demand that you cut the Card(s) for the Account in half and return it to us.  Although we may have declared your 
Account in default, you agree to pay us Interest at the rates provided in this Contract until all sums you owe us are paid in full, even if 
we have demanded that you make immediate payment in full.  If your Account is in default and you attempt to make Purchases and/or 
obtain Cash Advances, we have the right to use any legal means we deem necessary to recover the Card(s) from you, including, but 
not limited to, listing your Credit Account in warning bulletins and offering rewards for the return of the Card(s).  If we waive a default, 
we do not waive the right to declare the same or another event occurring later as a default of your Account.

28.  Cancellation: You may cancel your Account at any time by notifying us in writing at the address on your monthly Statement and 
returning all Cards issued on your Account, cut in half.  Even after your Account is closed, you remain responsible for paying any 
amounts you owe on the Account according to the terms of this Contract.  We can suspend your Account privileges or cancel your 
Account at any time, for any reason.  We will notify you after we do so, unless you are in default at that time.  We will have no obligation 
to notify you prior to suspending your charging privileges or cancelling your Account.  You promise that any amounts which you owe us 
at the time of termination, plus any additional interest and other charges that will continue to be imposed, will be repaid according to 
this Contract.  If you cancel your Account within 30 days after the Contract is first mailed to you and if you have not used your Account 
for any Purchase or Cash Advance at any time, all initial fees billed to your Account will be credited back to your Account.

29.  Our Property: Each Card that we issue on your Account must be signed by the person named on it.  You agree to surrender the Card 

upon demand by us or our agents.

30.  Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe us by reason of 

this Contract, you agree to pay reasonable attorney’s fees and other collection costs.

31.  Headings: The headings used in this Contract are for the convenience of reference only and are not intended in any way to define or 

describe the scope or intent of any provision of this Contract.

32.  State Restrictions:

a.  California Residents: A married applicant may apply for a separate account.  As required by law, you are hereby notified that 
negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.  After 
credit approval, each applicant shall have the right to use the Account up to the limit of the Account.  Each applicant may be liable 
for amounts extended under the plan to any joint applicant.

b.  Kentucky Residents: You may pay the unpaid balance of your Account in whole or in part at any time.
c.  Maine Residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection at any time.
d.  New York Residents: Consumer reports may be requested in connection with the processing of the application and any resulting 
account.  Upon your request, we will inform you of the names and addresses of any consumer reporting agencies which have 
provided us with such reports.  New York residents may contact the New York State Banking Department to obtain a comparative 
list of credit card rates, fees and grace periods.  New York State Banking Department 1-800-518-8866.

e.  Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 
customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil 
Rights Commission administers compliance with this law.