First Savings Bank                      M-117449
                          Credit Card Contract and Initial Disclosure Statement 
   Please read this contract carefully. Your credit card account is governed by this contract. In the contract, �bank,� �we,� �our� and �us� 
   refer to First Savings Credit Card (Beresford, 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 account. �Contract� means the terms and conditions outlined in this contract. 
   �Account� means the credit card account we open for you to use to access the credit we extend to you. �Credit limit� means the 
   maximum account balance you can have at any time.
       1.  Your Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the 
         balance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card 
         by not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they 
         make. We may let you add an authorized user to your account. An authorized user is any person you give permission to 
         use the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any 
         related fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly 
         from them. If you want to remove an authorized user from your account, you need to get the card from them and notify us. 
         If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The cards 
         remain our property and you agree to return them at our request or we have the right to have a merchant keep the card 
         and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify us 
         immediately.
       2.  Using your Account to Obtain Credit: You can use the card and your account to make charges as long as you do not 
         charge more than your credit limit. We can close or suspend the account at any time for any reason including if the activity 
         on your account appears suspicious, if we are concerned about repayment or if the balance is over the credit limit. We 
         can also limit the number or amount of charges you can make on the account. You may be assigned a PIN (Personal 
         Identi?cation Number) or you may request a PIN to use at ATM�s to obtain cash advances. The minimum cash advance is 
         $20.00. Your card and account cannot be used for illegal charges.
       3.  Your Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may not 
         go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your credit 
         limit immediately. Your cash advance limit will be 50% of your total credit limit.   
       4.  Monthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It will 
         also show your minimum payment and payment due date. 
       5.  Rewards Program Information: You will earn $1 in rewards for every $100 in net purchases made on your account. Net 
         purchases are purchases made during the billing cycle minus returns and disputed purchases. Rewards earned during 
         a billing cycle will be awarded when that cycle�s billing statement prints. Rewards can be redeemed one billing cycle 
         after awarded. There is no limit on the amount of rewards you can earn. You will not earn rewards on cash advances, 
         fees or interest charges. Rewards cannot be redeemed until your account has been open 90 days. When you  have 
         been awarded $25 or more in rewards, you can redeem your rewards by calling the customer service telephone number 
         on your statement. Rewards must be redeemed in $25 increments. Redeemed rewards will post as a payment to your 
         account. You may also have to make a separate payment to meet the required minimum due on that billing statement. If 
         redeemed rewards create a credit balance on your account, you may request a refund check or the credit balance may 
         be automatically refunded to you. The rewards balance will appear on your monthly billing statement. Rewards will expire 
         after 5 years. Rewards are forfeited if the account is suspended or closed for any reason.  
       6. Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a 
         payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to 
         collect the full balance if we accept late payments, partial payments or checks or money orders marked �payment in full� 
         or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them and 
         will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to make 
         new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your bank, 
         we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy of it at 
         your request.
         
       7.  Minimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay 
         at least the minimum payment each month by the payment due date. The payment due date will be at least twenty-?ve 
         (25) days from the closing date. The closing date is the last day of the billing cycle.
          Monthly Payment: If your balance is less than $30, the monthly payment is the balance.  If your balance is greater than 
         $30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the current 
         late fee and interest.
          Minimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly payment 
         plus any amount over your credit limit. 
       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 ?rst be paid to balances at the 
         highest annual percentage rate (APR) and then to balances at lower APRs.
       9.  Payment Methods: All payments must be made in U.S. dollars and drawn on a ?nancial institution located in the United 
         States. Do not send cash through the mail.
       10. When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due 
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         date. We will charge interest on the average daily balance. Average daily balance starts with the previous balance and 
         adds 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. Billing cycle means the time between two billing statements. To calculate the interest on purchases, we multiply 
         the average daily balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual 
         percentage rate by 12 months.  For purchases, the current Annual Percentage Rate is 15.15% (Prime Rate plus 11.65%) 
         with a 1.2625% current monthly periodic rate.  For cash advances, the current Annual Percentage Rate is 24.15% (Prime 
         Rate plus 20.65%) with a 2.0125% periodic rate.  If you are charged interest, the charge will be no less than $1.00.  
          Variable Rate APR: The Prime Rate is determined by using the �Money Rates� column in the Wall Street Journal on the 
         ?rst business day of each month, which is identi?ed 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. Your APR 
         may increase or decrease if the Prime Rate changes.
       11.  Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will accrue 
         interest: 
         a. Cash Advance Fee: You will be billed a fee of $10 or 4% of the amount of each cash advance, whichever is greater,  for 
         each cash advance taken through an ATM, bank withdrawal or other means. 
          b. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.
              d. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason. 
              e. Foreign Transaction Fee: We charge a 2% fee for converting transactions to U.S. dollars if made in another currency. 
       12. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free at (866) 643-1256 
         24 hours a day. You should also write to us. Do not use the card or account after you have noti?ed us. You will not be 
         responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.
       13.  If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge. 
         Although you may have the credit available, we may be unable to authorize credit due to system dif?culties or mistakes. 
         If your account is over the credit limit or past due, authorization for charges should be declined.
       14.  Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be 
         recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to 
         contact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that 
         we will not be responsible for the release of information to anyone who has gained possession of you card or identi?cation 
         number, credit account number or social security number.
       15. 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 af?liates 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 about 
         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.
       16.  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 ?nd a mistake on your statement: If you think there is an error on your statement, write to us at:  First 
         Savings Credit Card, PO Box 85620, Sioux Falls, SD 57118. 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 ?nish 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 
         ?rst $50 of the amount you question even if your bill is correct.
          Your rights if you are dissatis?ed with your credit card purchases: If you are dissatis?ed 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. These limitations do not apply if your purchase was based on 
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         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 dissatis?ed with the purchase, contact us in writing at: First Savings Credit Card, PO Box 85620, Sioux 
         Falls, SD 57118. While we investigate, the same rules apply to the disputed amount as discussed above. After we ?nish 
         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.
       17.  ARBITRATION: PLEASE READ THIS 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.
          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
          De?nitions: 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 authorized user and also 
         your heirs, guardian, personal representative or trustee in bankruptcy.  The term �us� includes our employees, of?cers, 
         directors, attorneys, af?liated companies, predecessors and assigns, as well as our marketing, servicing and collection 
         representatives and agents.
          Selection of Arbitrator:  If a dispute arises, the party asserting the claim or defense must initiate arbitration, provided 
         you or we may ?rst try to resolve the matter informally or through customary business methods, including collection 
         activity. The party ?ling arbitration may initiate and pursue the matter with the American Arbitration Association (�AAA�) 
         or JAMS, The Resolution Experts or we may agree upon a different arbitrator described below. If you claim you 
         have a dispute with us, but do not initiate arbitration or select an arbitrator, we may do so. You may obtain copies 
         of the current rules of arbitration and forms and instructions for initiating arbitration by contacting them as follows: 
                                                  JAMS, The Resolution Experts 
             American Arbitration Association 
                                             1920 Main Street, Suite 300
             335 Madison Avenue, Floor 10
                                             Irvine, CA 92614
             New York, NY 10017-4605
                                             Website: www.jamsadr.com
             Website: www.adr.org
                                                   Phone: (949) 224-1810 or (800) 352-5267
           
                                       
         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 
         arbitration agreement shall apply. If either of the arbitration ?rms are not available to adjudicate the matter, or if the neither 
         is 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.
          Cost of Arbitration: We will pay the ?ling 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.
          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. 
          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 ?rm 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 ?rm 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. 
          Review of Arbitration Award: The arbitrator shall apply applicable federal and South Dakota substantive law and the 
         terms of your agreement with us.  The arbitrator shall make written ?ndings and the arbitrator�s award may be ?led with 
         any court having jurisdiction.  The arbitration award shall be supported by substantial evidence and must be consistent 
         with your agreement with us and applicable law or may be set aside by a court upon judicial review. 
          Other Provisions: If any portion of this arbitration agreement is subsequently deemed unenforceable, the enforceability 
         of any other provision of this arbitration 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 agreement with us, your card account, or the relationship between you and us concerning your card account; (ii) the 
         bankruptcy of any party; and (iii) any transfer, sale or assignment of the card account, or any amounts owed on the card 
         account, to any other person or entity.
          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: 
         First Savings Credit Card, PO Box 85620, Sioux Falls, SD  57118-5620.
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       18.  Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our 
         right to enforce them at a later time.
       19.  Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain 
         a credit report for reviewing, modifying the terms, renewing the account or collecting on the account. We may report 
         information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account 
         may be re?ected 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.
       20.  Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to you as 
         is required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do, 
         your account will be closed and you will be able to pay off the balance under the terms in effect at that time.
       21. Law Governing this Contract: This contract is entered into 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 applicable federal law.
       22. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation of any 
         governmental agency, federal, state or local, it shall not affect the validity or enforceability of any other provision of this 
         agreement.
       23.  Default: You will be in default of this contract if any of the following occur:  
          a. If you do not make a minimum payment on your account on or before the payment due date;
          b. If you die or become legally incompetent;
          c. If you become insolvent or bankrupt;
          d. If you exceed or attempt to exceed your credit limit;
          e. If you provide us with or have provided us with false or misleading information or signatures at any time;
          f.  If you fail to comply with this contract;
          g. If you request an excessive number of replacement cards; or
          h. 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 cancel your account and we do not have to give you notice of cancellation. We 
         can also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if an 
         account is in default, you agree to pay interest and fees as de?ned in this contract until your balance is paid in full. If your 
         account is in default and you try to make charges, we can use any legal means to recover the card(s) including listing your 
         account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation, we can still 
         declare your account in default for the same or different reason at a later time.
       24.  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 if your account is closed, you agree to pay the balance 
         on the account under 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.
       25.  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.
       26.  Refund of Initial Fees: If you cancel your account within 90 days after the contract is ?rst mailed to you and if you have 
         not used your account for any charges, all fees and interest billed to your account will be credited back to your account.
       27. 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.
       28. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way 
         to de?ne or describe the scope or intent of any provision of this contract.
       29. State Notices:
         a.  California residents: A married applicant may apply for a separate account. As required by law, you are hereby 
         noti?ed  that negative credit reporting may be submitted to a credit reporting agency if you fail to ful?ll 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 Department of Financial Services 
         to obtain a comparative list of credit card rates, fees and grace periods. New York Department of Financial Services 1-800-
         342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.
          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.
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