VISA Credit Card Agreement 

Please  retain for personal  records 

This is your  VISA  Credit  Card  Agreement.  This  agreement,  together  with the  Truth-in-Lending Statement,  sets forth the  terms  and  conditions  of your  Account. 

This  agreement   covers   the   Visa   Credit   Card   Account   issued   by   Think  Mutual   Bank   ("Think"),   a  federally   chartered   thrift  with  its  main   office  located   in 
Rochester,   MN.  In  this  Agreement,   the  words   ''you,"  "your,"   "yours,"  and  "cardholder,"  mean  any  person   who  signs  the  Application   for  this  account,   any  joint 
party,  guarantor,    authorized    user,    or  the  person    whose    name  is  embossed    on  the  card.    The  words  “we,"  "us,"  and  "our"  mean  Think.  "Account”  or  "Account 
Information”  means  your  Visa  Card  Account  with  us.  The  word  "Card"  means  any  one  or  more  credit  cards  issued  under  this  Account.    If  you  sign  the  Master 
Application/Credit  Plan  for  this  Account  or  sign  or  use  any  Card  or  PIN,  or  allow  others  to  use  the  Card  or  PIN,  you  and  they  will  have  accepted  this  Agreement 
just as if you  and they  signed  it,  and you  and they,  jointly  and  severally, will be  bound  by  the  following  terms  and  conditions  which  will  govern  this  Account. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.   
YOU   SPECIFICALLY  GRANT    US  A    CONSENSUAL  SECURITY   INTEREST  IN    ALL   INDIVIDUAL  AND    JOINT   ACCOUNTS  YOU   HAVE  WITH  US 
NOW  AND  IN  THE  FUTURE    TO  SECURE  REPAYMENT  OF  CREDIT  EXTENDED    UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  THAT  WE  HAVE 
SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  APPLICABLE  STATE  AND/OR  FEDERAL  LAW.  THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A 
CONDITION  FOR  THE  ISSUANCE  OF  CREDIT  UNDER  THIS  AGREEMENT.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  YOUR  SHARES  TO  THE 
AMOUNT YOU OWE.  

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other  account  that  would  lose  special  tax  treatment  under  state  or  federal  law  if  given  are  not 
subject  to this  security  interest. 

If  you  have  other  loans  with  us,  collateral   securing   such  loans  may  also  secure  your  obligations   under  this  Agreement,   unless  that  other  collateral  is  your 
principal  residence   or non-purchase money  household  goods. 

EFFECT  OF  AGREEMENT

1.
This  Agreement  is  the  contract  which  applies  to  all  transactions  o n  your  Account  even  though  the  sales,  cash  advance  or  credit  slips  you  sign  or  receive  may 
contain different  terms.   Subject  to  applicable   law,  we  may  amend  this  Agreement    including,   but  not  limited  to,  changing   the  rate  or method   of  determining   the 
Interest  Charge,   by  sending   you  the  advance   written  notice  required   by  law.    To  the  extent the  law  permits, a n d  we  indicate in  our  notice, amendments w i l l 
apply  to your  existing  Account  balance as well  as to future  transactions.

2. RESPONSIBILITY
If  we  issue  a  Card  you  agree  to  repay  all  debts  and  the  Interest  Charge  and  fees  and  charges  arising  from  the  use  of  the  card  and  Account.    For  example,  you 
are  responsible  for  charges  made  by  anyone  else  to  whom  you  give  the  card  or  card  number,  and  this  responsibility  continues  until  the  card  is  recovered.    You 
cannot  disclaim  responsibility  by  notifying  us,  but  we  will  close  the  Account  for  new  transactions  i f  you  so  request  and  return  all  cards.  Your  obligation    to  pay  
the  Account  balance   continues   even  though  an  agreement,   divorce  decree   or  other  court  judgment,    in  which    we  are  not  a  party,  may  direct  you  or  one  of the 
other  person's   responsible   to  pay  the  Account.   Any person  using  the  card  is  jointly  responsible   with  you  for  charges  he  or she  makes;  if  that  person  signs  the 
card,  he  or she  becomes  a party  to this  agreement  and is  also  jointly responsible  for  all charges  on the  Account,  including  yours.

INTEREST CHARGE

3.
You  can  avoid  the  Interest  Charge   on  purchases  by  paying   the  full  amount   of  the  New  Balance   of  Purchases    each  month  within  25  days  of  your  statement 
closing  date.  Otherwise,   the  New  Balance  of  Purchases,   and  subsequent   purchases   from  the  date  they  are  posted  to  your  Account,   will  be  subject  to  an 
Interest  Charge.    Cash  advances,  which  include  balance  transfers, are  always  subject  to  Interest  Charges  from  the  date  they  are  posted  to  your  Account.    The 
Interest  Charge  (ANNUAL  PERCENTAGE  RATE)  is  calculated  by  adding  a  spread  or  margin  based  on  your  creditworthiness  to  the  Prime  Rate  (the  "index")  in 
effect  on  the  first  business  day  of  the  month  immediately  p rec e d i n g  January  1,  April1,   July  1  and  October  1.  The  Interest  Charge  will  be  applied  to  the 
average daily  principal b a la n c  e s   of  purc hases an d cash advances o f  your  Account.    If  the   Index   increases    or  decreases,    the   ANNUAL    PERCENTAGE  
RATE    and  monthly    periodic    rate  will  increase    or  decrease    for  all  existing    balances    on  each    January    1,  April  1,  July  1  and  October    1.  Because    your 
Minimum    Payment remains    the  same,   any  increase    in  the  ANNUAL    PERCENTAGE  RATE  will  increase    the  number   of  your  payments,   but  will  not  increase 
the  amount    of  your payments.   There  is  no  maximum   ANNUAL    PERCENTAGE  RATE,    except    that  the  ANNUAL    PERCENTAGE RATE  will  not   exceed    the 
highest   permitted    by applicable   law.  We  figure  the  Interest  Charge on  your  Account  by  applying  the  periodic  rate  to  the  "average daily  balance"  of  your  Account 
(including  current  transactions).  To  get  the  "average    daily  balance"   we  take    the  beginning    balance   of  your    Account    each    day,    add  any    new   purchases, 
cash    advances,    but excluding   unpaid  interest    charges,    and  subtract  any  payments    or  credits.    This  gives  us  the  daily  balance.    Then,  we  add  up  all  the  daily 
balances f o r the  billing cycle  and  divide  the  total  by the  number  of  days  in the billing  cycle.  This  gives  us  the  "average  daily  balance".
Other   Fees  and   Charges:   In  addition   to  the  interest   charges   discussed   above,   other   charges   will  be  applicable   to  your   Account.   Please refer  to your 
Truth-in-Lending statement.

4. MONTHLY STATEMENTS AND  PAYMENTS
Each  month  if  your  balance   exceeds   $1.00  or  there  was  activity   on  your  Account,   we  will  send  you  a  statement   showing  account   activity,  transactions,   fees, 
and  minimum    payment    requirement.  Every  month  you  must  at  least  pay  the  Minimum  Payment  required  on  or  before  the  payment  due  date  as  shown  on  your 
monthly statement.   You  may  pay  more  frequently,   pay  more  than  the  Minimum    Payment,    or  pay  the  Total  New  Balance  in  full,  and  reduce  the  Interest  Charge 
by    doing    so.    The Minimum Payment  will  be  disclosed  on  your  Truth-in-Lending  Statement.    We    will   apply   your    payments   in  the    following    order:    1)    to    all 
collection  penalties   and  other  Account  fees,  2) to the  previously   billed  and  unpaid  Interest  Charge  on  purchases,   3)  to  the  previously   billed  and  unpaid  Interest 
Charges   on  cash  advances,    4)  to  cash  advances,   5)  to  previously   billed   purchases,   6)  to  new  transactions,  whether   or  not  billed   on  the  monthly   statement. 
However,   any  payment   equal  to,  or  greater   than,   the  minimum   payment   due  will  be  applied   first  to  that  balance   with  the  highest   ANNUAL   PERCENTAGE 
RATE.  You  will  be  responsible   for  all  matters   shown    on  each  monthly   statement   unless   you  notify   us  in  writing   of  any  dispute   within  60  days   after  the 
statement  date  in the manner  required  by   "Your  Billing Rights"  section  of this  Agreement. 
Payments  can be mailed  to  Think  Mutual  Bank,  P.O.  Box  31021,  Tampa,  FL 33631-3021. 

LASER IH Fl12387 Rev 3-2016 

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5. DEFAULT
You will be in default if you fail to make any Minimum Payment on or before your payment due date. You will be charged a late fee if a payment is not received
within 10  days  of the payment  due date. You will  also be in  default if 1)  your  ability to  repay  us is materially  reduced by  a change in your  employment  or an
increase in  your  obligations. 2) there are bankruptcy or insolvency proceedings involving you,  3) you die, 4) you make a misrepresentation in  connection with
your  Account,  5)  you  default  on  any  obligation  to  us,  under  this  Agreement  or  otherwise,  6)  you  cancel  your  membership  with  us,  7)  you  exceed  your
Line-of-Credit. We have the right to demand immediate payment of your full Account balance if you are in default. You specifically authorize us to deduct all or
any part  of the amount in  default from any  deposit account in  which you  have  an ownership interest, unless prohibited by  applicable law. If permitted  by law,
you will also be required to pay our collection expenses, including court costs and reasonable attorneys' fees.

LOST CARD NOTIFICATION

6.
If  you  believe  your  Card  or  Account  Information has  been  lost  or  stolen,  you  should  immediately  call  VISA  at 1-866-839-3485.  This  is  a  24  hour  access
number,  however, if  you  are  unable  to  reach  this  number,  please  call  us  at  1-800-288-3425.  Our  address  is  P.O.  Box  5949,  Rochester, MN  55903-5949.
Notification that your card has been lost or stolen may be given by telephone or an in-person visit to Think.

LIABILITY FOR UNAUTHORIZED USE

7.
You may be liable for the unauthorized use  of your Card.  You may be liable if the Personal Identification Number (PIN) is written on the card. You will not  be
liable for any unauthorized use of your Card that occurs after you notify us orally  or in writing  of the loss, theft or possible  unauthorized use. In  any case, your
liability will not exceed $50.00. If you notify us orally, you should confirm your loss by writing us at Credit Card Security Department

Attn. Fidelity- Customer Service 
P.O. Box 30495 
Tampa, FL 33630 

8. CREDIT LINE
If we approve your application, we will establish a Line-of-Credit for you and notify you of its amount when we issue the Card. You agree not to let the Account
balance  exceed  this  approved  Line-of-Credit.  Each  payment  you  make  on  the  Account  will  restore  your  Line-of-Credit  by  the  amount  of  payment  which  is
applied to  the  principal.  By  giving  you  written notice  we  may  reduce  your  Line-of-Credit  at any  time. We  may  also,  with  good cause,  revoke  your  Card and
terminate  this  Agreement. Good cause  includes  your  failure to  comply  with this  Agreement, or  our adverse re-evaluation  of your  credit worthiness.  You  may
also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay us the Account balance.  The Cards remain our
property and you must get back and return to us all Cards upon our request and upon termination of this Agreement. "Line-of-Credit" may also be called Credit
Limit in this Agreement and in your monthly statement.

9. CREDIT INFORMATION You authorize us to investigate your credit standing when opening, renewing  or reviewing your  Account, and you authorize us to
disclose information regarding your Account to credit bureaus  and other creditors who ask us about your credit standing.

10. USING  THE CARD You may use the  card issued  to you to make purchases in person, by mail,  by telephone, or by Internet from merchants  and others
who  accept VISA credit cards.  In  addition, you  may  obtain cash  advances from  Think, from other financial  institutions participating  in the VISA program and
from ATMs (automated teller machines)  that participate in the ATM VISA program. You will need to use your PERSONAL IDENTIFICATION NUMBER (PIN) to
obtain a cash advance from an ATM. Cash advances from ATMs may not exceed a total of $510 per  day. Any transaction which would cause the daily limit to
be exceeded may be refused.  You agree that all transactions that you initiate by use  of your VISA Credit Card Account are legal in the  jurisdiction where you
live and/or  where the  transaction occurred. You  agreed to  repay  according to  the terms  of  this  Agreement  all  transactions you  initiate by  use  of  your  Credit
Card Account whether deemed legal or illegal.

11. RETURNSANDADJUSTMENTS
Merchants and  others who honor the Card may  give credit  for returns or adjustments, and they will  do so by issuing a credit slip which will be posted to your
Account. If your credits and payments exceed what you owe us, we will apply this credit balance against future purchases  and cash advances to your Account.
If this credit balance is $1.00 or more, we will refund it per your written request. A credit balance will automatically be refunded to you after 4 billing cycles.

12. FOREIGN TRANSACTIONS; CURRENCY CONVERSION
Purchases  and cash  advances  made  in foreign  currencies will  be billed  to  you  in U.S. dollars.  Transactions processed  outside of the  United States will  be
charged  a  foreign  transaction  fee  in  an  amount   to  be  determined  by  Think,  regardless    of  whether  there  is  a  currency  conversion    associated  with  the
transaction. The  conversion  rate in  dollars  will  be  a rate  selected by  VISA from  a  range  of  rates  available  in  wholesale  currency  markets for the  applicable
central processing date, which rate may vary from the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing
date in each instance.  A foreign transaction is  any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the
U.S. Virgin Islands; this may include internet transactions.

13. PLAN MERCHANT DISPUTES
We are not responsible for the refusal of any VISA plan merchant or financial institution to honor your Card. We are subject to claims and defenses (other than
tort claims) arising out of goods or services you purchase with the Card only if you have made a good faith attempt, but have been unable  to obtain satisfaction
from the  VISA plan merchant,  and 1) your purchase  was made  in response to  an advertisement  we sent  or participated in sending  you; or  2) your purchase
cost more than $50.00 and was made from a VISA plan merchant in your state or within 100 miles  of your home. Any other disputes must be resolved by you
directly with the VISA plan merchant.

14. COPY RECEIVED
You acknowledge receipt of a copy of this Agreement.

15. CREDIT INSURANCE
Credit life and/or  credit disability insurance is  voluntary and not  a condition of opening  a VISA account. You will  only have  this  coverage if you  apply for the
coverage, meet the eligibility requirements, and agree to pay the premiums.  You will receive  a Certificate of Insurance each time you elect the insurance. The
premium will be charged and collected monthly and will become part  of your minimum monthly payment. You authorize Think to add the monthly premium to
your  outstanding balance,  upon which  interest  will  accrue.  Purchase  of  credit  insurance  will  increase  your  minimum  monthly  payment  or  extend  the time  in
which your  outstanding balance is paid  off. If you fail to  pay the insurance premiums, Think may cancel the coverage  or, at its option, pay the premiums and
add them to your  outstanding balance, upon which interest will  accrue.  You may cancel coverage  at any time by  informing Think of the intent  to do so. Think
retains a portion  of the premium (or a portion is paid back to Think by the service provider)  as compensation for making this  service available. See Certificate
for specific terms and conditions of the insurance contract.

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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  on  a  separate 
sheet  at:  Fidelity- Customer  Service,  P.O.  Box  30495,  Tampa,  FL 33630. 
In your  letter,  give  us  the  following  information: 
1. Your  name  and  account  number.
2. The  dollar  amount  of the  suspect error. 
3.

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.  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  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.
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: 

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:   Neither   of   these   are   necessary    if   your
purchase   was  based  on  an  advertisement   we  mailed  to  you,  or  if  we  own
the  company  that  sold  you  the  goods  or services.)

2. You  must  have  used  your  credit  card  for  the  purchase.    Purchases    made
with  cash   advances   from   an  ATM   or  with  a  check   that  accesses   your
credit  card  account  do not  qualify. 

3. You  must  not  yet  have  fully  paid  for the  purchase. 
If  all  of  the   criteria   above   are  met   and   you   are   still   dissatisfied   with  the
purchase,  contact  us  in writing  at the  address(es)  listed  on your  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.

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