page 1 of 3LASER IH FI12387 Rev 10-2012VISA Credit Card AgreementPlease retain for personal recordsThisagreementcoverstheVisaCreditCardAccountissuedbyThinkMutualBank("Think"),afederallycharteredthriftwithitsmainofficelocatedinRochester,MN.InthisAgreement,thewords"you,""your,""yours,"and"cardholder,"meananypersonwhosignstheApplicationforthisaccount,anyjointparty,guarantor,authorizeduser,orthepersonwhosenameisembossedonthecard.Thewords"we,""us,"and"our"meanThink."Account"or"AccountInformation"meansyourVisaCardAccountwithus.Theword"Card"meansanyoneormorecreditcardsissuedunderthisAccount.IfyousigntheMasterApplication/CreditPlanforthisAccountorsignoruseanyCardorPIN,orallowotherstousetheCardorPIN,youandtheywillhaveacceptedthisAgreementjust 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.1.EFFECTOFAGREEMENTThisAgreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughthesales,cashadvanceorcreditslipsyousignorreceivemaycontaindifferentterms.Subjecttoapplicablelaw,wemayamendthisAgreementincluding,butnotlimitedto,changingtherateormethodofdeterminingtheInterestCharge,bysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentthelawpermits,andweindicateinournotice,amendmentswillapply to your existing Account balance as well as to future transactions.2.RESPONSIBILITYIfweissueaCardyouagreetorepayalldebtsandtheInterestChargeandfeesandchargesarisingfromtheuseofthecardandAccount.Forexample,youareresponsibleforchargesmadebyanyoneelsetowhomyougivethecardorcardnumber,andthisresponsibilitycontinuesuntilthecardisrecovered.Youcannotdisclaimresponsibilitybynotifyingus,butwewillclosetheAccountfornewtransactionsifyousorequestandreturnallcards.YourobligationtopaytheAccountbalancecontinueseventhoughanagreement,divorcedecreeorothercourtjudgment,inwhichwearenotaparty,maydirectyouoroneoftheotherperson'sresponsibletopaytheAccount.Anypersonusingthecardisjointlyresponsiblewithyouforchargesheorshemakes;ifthatpersonsignsthecard, he or she becomes a party to this agreement and is also jointly responsible for all charges on the Account, including yours. 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.SECURITY:YOUSPECIFICALLYGRANTUSACONSENSUALSECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSYOUHAVEWITHUSNOWANDINTHEFUTURETOSECUREREPAYMENTOFCREDITEXTENDEDUNDERTHISAGREEMENT.YOUALSOAGREETHATWEHAVESIMILARSTATUTORYLIENRIGHTSUNDERAPPLICABLESTATEAND/ORFEDERALLAW.THEGRANTINGOFTHISSECURITYINTERESTISACONDITIONFORTHEISSUANCEOFCREDITUNDERTHISAGREEMENT.IFYOUAREINDEFAULT,WECANAPPLYYOURDEPOSITSTOTHEAMOUNTYOUOWE.DepositsinanIndividualRetirementAccountoranyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw if given are not subject to this security interest. Ifyouhaveotherloanswithus,collateralsecuringsuchloansmayalsosecureyourobligationsunderthisAgreement,unlessthatothercollateralisyourprincipal residence or non-purchase money household goods.  3.INTERESTCHARGEYoucanavoidtheInterestChargeonpurchasesbypayingthefullamountoftheNewBalanceofPurchaseseachmonthwithin25daysofyourstatementclosingdate.Otherwise,theNewBalanceofPurchases,andsubsequentpurchasesfromthedatetheyarepostedtoyourAccount,willbesubjecttoanInterestCharge.Cashadvances,whichincludebalancetransfers,arealwayssubjecttoInterestChargesfromthedatetheyarepostedtoyourAccount.TheInterestCharge(ANNUALPERCENTAGERATE)iscalculatedbyaddingaspreadormarginbasedonyourcreditworthinesstothePrimeRate(the"index")ineffectonthefirstbusinessdayofthemonthimmediatelyprecedingJanuary1,April1,July1andOctober1.TheInterestChargewillbeappliedtotheaveragedailyprincipalbalancesofpurchasesandcashadvancesofyourAccount.IftheIndexincreasesordecreases,theANNUALPERCENTAGERATEandmonthlyperiodicratewillincreaseordecreaseforallexistingbalancesoneachJanuary1,April1,July1andOctober1.BecauseyourMinimumPaymentremainsthesame,anyincreaseintheANNUALPERCENTAGERATEwillincreasethenumberofyourpayments,butwillnotincreasetheamountofyourpayments.ThereisnomaximumANNUALPERCENTAGERATE,exceptthattheANNUALPERCENTAGERATEwillnotexceedthehighestpermittedbyapplicablelaw.WefiguretheInterestChargeonyourAccountbyapplyingtheperiodicratetothe"averagedailybalance"ofyourAccount(includingcurrenttransactions).Togetthe"averagedailybalance"wetakethebeginningbalanceofyourAccounteachday,addanynewpurchases,cashadvances,butexcludingunpaidinterestcharges,andsubtractanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance". OtherFeesandCharges:Inadditiontotheinterestchargesdiscussedabove,otherchargeswillbeapplicabletoyourAccount.PleaserefertoyourTruth-in-Lending Statement.4.MONTHLYSTATEMENTSANDPAYMENTSEachmonthifyourbalanceexceeds$1.00ortherewasactivityonyourAccount,wewillsendyouastatementshowingaccountactivity,transactions,fees,andminimumpaymentrequirement.EverymonthyoumustatleastpaytheMinimumPaymentrequiredonorbeforethepaymentduedateasshownonyourmonthlystatement.Youmaypaymorefrequently,paymorethantheMinimumPayment,orpaytheTotalNewBalanceinfull,andreducetheInterestChargebydoingso.TheMinimumPaymentwillbedisclosedonyourTruth-in-LendingStatement.Wewillapplyyourpaymentsinthefollowingorder:1)toallcollectionpenaltiesandotherAccountfees,2)tothepreviouslybilledandunpaidInterestChargeonpurchases,3)tothepreviouslybilledandunpaidInterestChargesoncashadvances,4)tocashadvances,5)topreviouslybilledpurchases,6)tonewtransactions,whetherornotbilledonthemonthlystatement.However,anypaymentequalto,orgreaterthan,theminimumpaymentduewillbeappliedfirsttothatbalancewiththehighestANNUALPERCENTAGERATE.Youwillberesponsibleforallmattersshownoneachmonthlystatementunlessyounotifyusinwritingofanydisputewithin60daysafterthestatement 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.page 2 of 35.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentonorbeforeyourpaymentduedate.Youwillbechargedalatefeeifapaymentisnotreceivedwithin10daysofthepaymentduedate.Youwillalsobeindefaultif1)yourabilitytorepayusismateriallyreducedbyachangeinyouremploymentoranincreaseinyourobligations,2)therearebankruptcyorinsolvencyproceedingsinvolvingyou,3)youdie,4)youmakeamisrepresentationinconnectionwithyourAccount,5)youdefaultonanyobligationtous,underthisAgreementorotherwise,6)youcancelyourmembershipwithus,7)youexceedyourLine-of-Credit.WehavetherighttodemandimmediatepaymentofyourfullAccountbalanceifyouareindefault.Youspecificallyauthorizeustodeductalloranypartoftheamountindefaultfromanydepositaccountinwhichyouhaveanownershipinterest,unlessprohibitedbyapplicablelaw.Ifpermittedbylaw,you will also be required to pay our collection expenses, including court costs and reasonable attorneys' fees. 6.LOSTCARDNOTIFICATIONIfyoubelieveyourCardorAccountInformationhasbeenlostorstolen,youshouldimmediatelycallVISAat1-866-839-3485.Thisisa24houraccessnumber,however,ifyouareunabletoreachthisnumber,pleasecallusat1-800-288-3425.OuraddressisP.O.Box5949,Rochester,MN55903-5949.Notification that your card has been lost or stolen may be given by telephone or an in-person visit to Think. 7.LIABILITYFORUNAUTHORIZEDUSEYoumaybeliablefortheunauthorizeduseofyourCard.YoumaybeliableifthePersonalIdentificationNumber(PIN)iswrittenonthecard.YouwillnotbeliableforanyunauthorizeduseofyourCardthatoccursafteryounotifyusorallyorinwritingoftheloss,theftorpossibleunauthorizeduse.Inanycase,yourliability 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-CustomerServiceP.O.Box30495Tampa,FL336308.CREDITLINEIfweapproveyourapplication,wewillestablishaLine-of-CreditforyouandnotifyyouofitsamountwhenweissuetheCard.YouagreenottolettheAccountbalanceexceedthisapprovedLine-of-Credit.EachpaymentyoumakeontheAccountwillrestoreyourLine-of-Creditbytheamountofpaymentwhichisappliedtotheprincipal.BygivingyouwrittennoticewemayreduceyourLine-of-Creditatanytime.Wemayalso,withgoodcause,revokeyourCardandterminatethisAgreement.GoodcauseincludesyourfailuretocomplywiththisAgreement,orouradversere-evaluationofyourcreditworthiness.YoumayalsoterminatethisAgreementatanytime,butterminationbyeitherofusdoesnotaffectyourobligationtopayustheAccountbalance.TheCardsremainourpropertyandyoumustgetbackandreturntousallCardsuponourrequestanduponterminationofthisAgreement."Line-of-Credit"mayalsobecalledCreditLimit in this Agreement and in your monthly statement. 9.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewingorreviewingyourAccount,andyouauthorizeusto disclose information regarding your Account to credit bureaus and other creditors who ask us about your credit standing.   10.USINGTHECARDYoumayusethecardissuedtoyoutomakepurchasesinperson,bymail,bytelephone,orbyInternetfrommerchantsandotherswhoacceptVISAcreditcards.Inaddition,youmayobtaincashadvancesfromThink,fromotherfinancialinstitutionsparticipatingintheVISAprogramandfromATMs(automatedtellermachines)thatparticipateintheATMVISAprogram.YouwillneedtouseyourPERSONALIDENTIFICATIONNUMBER(PIN)toobtainacashadvancefromanATM.CashadvancesfromATMsmaynotexceedatotalof$510perday.Anytransactionwhichwouldcausethedailylimittobeexceededmayberefused.YouagreethatalltransactionsthatyouinitiatebyuseofyourVISACreditCardAccountarelegalinthejurisdictionwhereyouliveand/orwherethetransactionoccurred.YouagreedtorepayaccordingtothetermsofthisAgreementalltransactionsyouinitiatebyuseofyourCreditCard Account whether deemed legal or illegal. 11.RETURNSANDADJUSTMENTSMerchantsandotherswhohonortheCardmaygivecreditforreturnsoradjustments,andtheywilldosobyissuingacreditslipwhichwillbepostedtoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvancestoyourAccount.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.FOREIGNTRANSACTIONS;CURRENCYCONVERSIONPurchasesandcashadvancesmadeinforeigncurrencieswillbebilledtoyouinU.S.dollars.TransactionsprocessedoutsideoftheUnitedStateswillbechargedaforeigntransactionfeeinanamounttobedeterminedbyThink,regardlessofwhetherthereisacurrencyconversionassociatedwiththetransaction.TheconversionrateindollarswillbearateselectedbyVISAfromarangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichratemayvaryfromtherateVISAitselfreceives,orthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdateineachinstance.AforeigntransactionisanytransactionthatyoucompleteoramerchantcompletesonyourcardoutsideoftheU.S.,PuertoRicoortheU.S. Virgin Islands; this may include internet transactions.13.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyVISAplanmerchantorfinancialinstitutiontohonoryourCard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththeCardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheVISAplanmerchant,and1)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or2)yourpurchasecostmorethan$50.00andwasmadefromaVISAplanmerchantinyourstateorwithin100milesofyourhome.Anyotherdisputesmustberesolvedbyyoudirectly with the VISA plan merchant. 14.COPYRECEIVEDYou acknowledge receipt of a copy of this Agreement. 15.CREDITINSURANCECreditlifeand/orcreditdisabilityinsuranceisvoluntaryandnotaconditionofopeningaVISAaccount.Youwillonlyhavethiscoverageifyouapplyforthecoverage,meettheeligibilityrequirements,andagreetopaythepremiums.YouwillreceiveaCertificateofInsuranceeachtimeyouelecttheinsurance.Thepremiumwillbechargedandcollectedmonthlyandwillbecomepartofyourminimummonthlypayment.YouauthorizeThinktoaddthemonthlypremiumtoyouroutstandingbalance,uponwhichinterestwillaccrue.Purchaseofcreditinsurancewillincreaseyourminimummonthlypaymentorextendthetimeinwhichyouroutstandingbalanceispaidoff.Ifyoufailtopaytheinsurancepremiums,Thinkmaycancelthecoverageor,atitsoption,paythepremiumsandaddthemtoyouroutstandingbalance,uponwhichinterestwillaccrue.YoumaycancelcoverageatanytimebyinformingThinkoftheintenttodoso.Thinkretainsaportionofthepremium(oraportionispaidbacktoThinkbytheserviceprovider)ascompensationformakingthisserviceavailable.SeeCertificatefor specific terms and conditions of the insurance contract.page 3 of 3YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USEThisnoticetellsyouaboutyourrightsandourresponsibilitiesunderthe Fair Credit Billing Act.What To Do If You Find A Mistake On Your Statement Ifyouthinkthereisanerroronyourstatement,writetousonaseparatesheet at: Fidelity - Customer Service, P.O. Box 30495, Tampa, FL 33630. In your letter, give us the following information: 1.Yournameandaccountnumber.2.Thedollaramountofthesuspectederror.3.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:-Within60daysaftertheerrorappearedonyourstatement.-Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhave 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.Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.2.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.While we investigate whether or not there has been an error:-Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.-Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.-Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.-Wecanapplyanyunpaidamountagainstyourcreditlimit.After we finish our investigation, one of two things will happen:-Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled between us. Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdue on the purchase. To use this right, all of the following must be true: 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.)2.Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase, contact us in writing at the address(es) listed on your statement. Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent. Revised 10/2012