Annual Percentage Rate 9.0%
(APR) for Purchases

APR for Cash Advances 9.0%

Paying Interest

Minimum Interest
Charge

For Credit Card Tips
from the Federal
Reserve Board

Set-up and
Maintenance
Fees

Transaction Fees

‘ Cash Advance

Your due date is at least 27 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. We will begin charging
interest on cash advances on the transaction date.

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.

$2.00

Either
$10.00).

or

3%

of the amount of each cash advance, whichever is greater (maximum fee:

‘ Foreign Currency

3% for each transaction in U.S. dollars.

Penalty Fees

‘ Late Payment

Up to $15.00

‘ Return Item Charge

Up to $15.00

How We Will Calculate Your Balance: We use a method called 'average daily balance (including current transactions).'
See your Account Opening Disclosures for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided in your Credit Card Contract and on the back of your Statement.

FEES AND INTEREST CHARGES:
a Purchase.

Your Credit Account is subject to the following fees and

INTEREST CHARGES

, each of which will be billed to your Credit Account as

FEES AND INTEREST CHARGES:

Periodic INTEREST CHARGES: INTEREST CHARGES are imposed when you obtain a Cash Advance and when a Purchase is posted to your Credit Account.
INTEREST CHARGES are imposed from the time a Purchase is posted until it is paid in full. However if you pay your previous balance in full on or before the Payment Due
Date shown on your previous Statement, you will have a grace period on Purchases of 27 days (from the Statement Closing Date to the Payment Due Date) and your current
to the extent you pay the current Statement in full on or before the Payment Due Date. There is no
Purchases balance will not be subject to periodic
from the date of the transaction.
grace period for transactions that post to your Credit Account as Cash Advances. These transactions are subject to

INTEREST CHARGES

INTEREST CHARGES

The

INTEREST CHARGE

is determined by multiplying the "Average Daily Balance" for Purchases and for Cash Advances
Computing Periodic INTEREST CHARGES:
outstanding during the monthly Billing Cycle by the monthly "Periodic Rate". The monthly Periodic Rate for Purchases and for Cash Advances is determined by dividing the
ANNUAL PERCENTAGE RATE (APR)
PERCENTAGE RATE
Account as well as Purchases and Cash Advances.
The "Average Daily Balance" is computed by taking the beginning balance of your Credit Account on each day, calculated separately for Purchases and Cash Advances,
adding new Purchases and/or Cash Advances and subtracting any payments or credits to get each day's daily balance. The daily balances are then added together and
divided by the number of days in the Billing Cycle to get the "Average Daily Balance".

by 12. The Monthly "Periodic Rate" for Purchases is 0.75% and for Cash Advances is 0.75%. This is equivalent to an

This ANNUAL PERCENTAGE RATE will be applied to fees assessed to your Credit

of 9.0% for Purchases and 9.0% on Cash Advances.

ANNUAL

Minimum INTEREST CHARGE:
imposed.

The minimum

INTEREST CHARGE

is $1.00 for each Billing Cycle during which an                                      based on a periodic rate is

INTEREST CHARGE

In addition to the periodic

Cash Advance Fee:
Advance obtained that month.
Foreign Currency Transaction Fee: 3% of the Transaction Amount in U.S. dollars.
Late Fee: In every Billing Cycle in which your payment is late, you will be charged a Late Fee of up to $15.00.
Return Item Charge: We impose a Return Item Charge up to $15.00 when a payment on your Credit Account is returned by the financial institution on which it was drawn
for insufficient funds or any other reason. The charge may be imposed even if we elect to re-present the item and it is paid upon our re-presentment.

on Cash Advances, there is an additional fee of 3% (minimum $2.00/maximum $10.00) for each Cash

INTEREST CHARGE

OTHER CHARGES:

Copying Fee: If you request a duplicate of any sales draft, Statement, or other document, we will charge you $3.00 for each copy we provide.
Credit Insurance: Disability and loss of income insurance is not required.
Express Delivery Fee: We impose a $35.00 fee for the express delivery of your Card. This service is only available for lost, stolen, or replacement Cards.
Wire Transfer Fee: $5.00 per Transaction.
Minimum Payment: Cutoff Time and Form of Payment: Each month that a New Balance is due, you must pay us at least the Amount Due This Period and Past Due
Amount as shown on your Statement. We must receive your payment on or before the Payment Due Date shown on your Statement. Payment(s) received in Proper Form,
will be credited as of the date of receipt at the address on the payment coupon of your Statement if received by 5:00 pm Central Time, Monday through Friday (federal
holidays excluded). Payments not received in Proper Form may delay the posting to your Credit Account. The Payment Due Date will be at least 27 days from the Closing
Date. Your Payment Due Date will be the same numeric date each month.

If your New Balance exceeds $30.00, the
dollar), or $30.00 whichever is more (or the entire New Balance, if the New Balance is less than $30.00), and (ii) any
Minimum Amount Due
requested on your Statement will not, by itself, cause your Credit Account to be delinquent. You may pay your entire balance at any time.

on your Statement will also include the amount by which the New Balance exceeds your Credit Limit. Failure to pay the

Past Due Amount

Total Minimum Amount Due

will be the sum of (i) 4% of your New Balance at the end of the Billing Cycle (rounded up to the next

. The amount requested as the
Amount Over Limit Due

Total
as

See the Credit Card Contract for further information regarding this
Credit Account. Retain these important documents.

(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 $50.00 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 $50.00.  (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 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 (or electronically) at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
     www.mypremiercreditcard.com 
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. 
Your  Liability  for  Unauthorized  Use  of  Your  Credit  Account: 
You will not be liable for unauthorized use of your Card or Credit 
Account. However, to protect your rights, you are required to notify 
us orally or in writing as soon as you are aware that your Card or 
Credit Account has been lost, stolen or used without your consent. 
Certain exceptions apply and you may be liable for up to $50.00. 
To notify us of the loss, theft or possible unauthorized use of your 
Card, call us at 1-800-987-5521, 24 hours a day. 

STATE DISCLOSURES
California Residents: A married applicant may apply for a separate 
Credit Account. As required by law, you are hereby notified that a 
negative  credit  reporting  reflecting  on  your  credit  record  may  be 
submitted to a Consumer 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 Credit Account up to the limit of the 
Credit Account. Each applicant may be liable for amounts extended 
under the plan to any joint applicant.

Delaware  Residents:  Service  charges  not  in  excess  of  those 
permitted by law will be charged on the outstanding balances from 
month to month.
Kentucky  Residents:  You  may  pay  the  unpaid  balance  of  your 
Credit Account in whole or in part at any time.
Maine  Residents:  Credit  insurance  provided  herein  is  voluntary 
and  you  have  the  right  to  cancel  such  credit  insurance  at  any 
time.
New  York  and  Vermont  Residents:  First  PREMIER  Bank  may 
obtain a consumer report for any legitimate purpose in connection 
with  your  Credit  Account  or  your  application,  including  but  not 
limited  to  reviewing,  modifying,  renewing  and  collecting  on  your 
Credit Account. Upon your request, we (First PREMIER Bank) will 
inform you of the names and addresses of any Consumer Reporting 
Agencies that have furnished the reports.  New York residents may 
contact the New York State Banking Department (1-877-226-5697) 
to  obtain  a  comparative  list  of  credit  card  rates,  fees  and  grace 
periods.
Ohio  Residents:  The  Ohio  laws  against  discrimination  require 
that all creditors make credit equally available to all credit worthy 
customers,  and  that  Consumer  Reporting  Agencies  maintain 
separate credit histories on each individual upon request. The Ohio 
Civil Rights Commission administers compliance with this law.
Married  Wisconsin  Residents:  No  provision  of  any  marital 
property agreement, unilateral statement, or court order applying 
to marital property will adversely affect a creditor’s interests unless 
prior to the time credit is granted, the creditor is furnished with a 
copy  of  the  agreement,  statement,  or  court  order,  or  has  actual 
knowledge of that provision.

TERMS AND CONDITIONS 
OF YOUR REQUIRED DEPOSIT ACCOUNT
The  following  additional  terms  apply  in  connection  with  your 
required deposit account. 
Deposit:  Any  non-cash  items  tendered  for  deposit,  (including 
items  drawn  on  us)  will  be  given  only  provisional  credit  until 
collection  is  final.  If  interest  is  paid  on  your  deposit  account, 
interest  will  begin  to  accrue  on  the  business  day  you  deposit 
non-cash items  subject  to  collection  being final.  Security  Deposit 
funds  remitted  using  a  checking  account  may  be  held  up  to  15 
days .We are not responsible for transactions initiated by mail or 
outside depository until we actually receive them. Once the deposit 
account  is  established  additional  deposits  of  $50.00  or  more  will 
be accepted for the purpose of increasing the Credit Limit on your 
Credit Account.  The  Credit  Limit  on  your  Credit Account  will  not 
exceed  the  deposit  account  balance  unless  we  have  specifically 
authorized the extension of additional “unsecured” credit. We have 
no obligation to consider you for an extension of unsecured credit 
at any time.
Withdrawals: Since this deposit account is collateral for your Credit 
Account, withdrawals are not permitted from this deposit account 
while there remains an outstanding balance in your Credit Account 
or while you retain possession of any Card. In the event that your 
Credit Account is cancelled either by you or by us, we shall have a 
period of ninety (90) days from the earlier of the date of the return 
of your Card or the expiration date of the Card for all charges made 
on the Card to clear. When we receive payment in full under your 
Credit Account, and upon the expiration of this period, we will remit 
to you the full amount remaining in your deposit account.
Additional Terms and Disclosures: Additional information about 
your deposit account, including applicable federal Truth In Savings 
Act  disclosures,  were  provided  to  you  upon  our  receipt  of  your 
initial deposit.
Account  Balance  Information:  A  deposit  account  balance 
of  at  least  $200  is  needed  to  activate  your  Credit  Account.  You 
may make additional deposits up to a maximum deposit account 
balance of $5,000. 
Ownership  of  Account:  Individuals--If  the  deposit  account  is 
opened in the name of one person, it means the owner does not 
intend to create any survivorship rights in any other person. Joint 
Accounts--If the deposit account is opened in the name of more 
than  one  person,  each  person  intends  that  upon  their  death  the 

balance  in  the  deposit  account  (subject  to  the  pledge  to  us)  will 
belong to the surviving person(s) named on the account. 
Bankruptcy: If you become a debtor in any proceeding under the 
United States Bankruptcy Code you agree that you will recognize 
us  as  a  perfected  secured  creditor  with  respect  to  the  deposit 
account and that you will declare the deposit account as exempt 
property pursuant to the provisions of the United States Bankruptcy 
Code or applicable State exemption laws.
Amendments: We may amend the terms and conditions applicable 
to Your Required Deposit Account separately from the remainder of 
this Contract at any time upon reasonable notice to you by mail, as 
required by law. If this is a joint account, notice by us to one of you 
is notice to both. 
Pledge  Agreement:  As  a  security  for  the  payment  of  all  credit 
extended  through  your  Credit Account,  you  pledge  to,  and  grant 
First  PREMIER  Bank,  its  successors  and  assigns,  a  security 
interest  in  all  funds  now  and  hereafter  deposited  in  your  deposit 
account.  You  authorize  us  to  unconditionally  restrict  withdrawals 
from your deposit account. If your Credit Account is in default, or 
if your Credit Account is terminated for any reason, we may at any 
time thereafter, and without notice to you (unless otherwise required 
by  law),  apply  all  or  part  of  the  funds  in  your  deposit  account  to 
the payment of any and all amounts owed on your Credit Account. 
We may also exercise any other remedies under the terms of this 
Contract or otherwise available in law. 

ARBITRATION AND LITIGATION
This Arbitration  Provision  (“Provision”)  facilitates  the  prompt  and 
efficient  resolution  of  any  disputes  that  may  arise  between  you 
and us. Arbitration is a form of private dispute-resolution in which 
persons with a dispute waive their rights to file a lawsuit, to proceed 
in court and to a jury trial, and instead submit their disputes to a 
neutral third person (an arbitrator) for a binding decision. You have 
the right to opt out of this Provision, which means you would retain 
your right to litigate your disputes in a court, either before a judge 
or jury. To exercise your right to opt out you must provide us with 
written notice no later than 30 days after your Credit Account is first 
opened.  If  we  do  not  receive  your  written  notice  within  that  time 
frame, your rights to opt out will terminate, and you agree that the 
provisions of this section will apply.
PLEASE  READ  THIS  PROVISION  CAREFULLY.  IT  PROVIDES 
THAT ALL DISPUTES ARISING OUT OF OR CONNECTED TO THIS 
CONTRACT SHALL BE RESOLVED BY BINDING ARBITRATION. 
ARBITRATION  REPLACES  THE  RIGHT  TO  GO  TO  COURT.  IN 
THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND 
WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY 
TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY 
AND/OR TO PARTICIPATE IN OR BE REPRESENTED IN A CASE 
FILED IN COURT BY OTHERS (INCLUDING, BUT NOT LIMITED 
TO,  CLASS ACTIONS).  EXCEPT AS  OTHERWISE  PROVIDED, 
ENTERING INTO THIS AGREEMENT CONSTITUTES A WAIVER 
OF YOUR RIGHT TO LITIGATE CLAIMS AND ALL OPPORTUNITY 
TO BE HEARD BY A JUDGE OR JURY.
Parties  and  Matters  Subject  to  Arbitration:  For  purposes  of 
this  Provision,  “you”  and  “us”  include  the  employees,  parents, 
subsidiaries,  affiliates,  beneficiaries,  agents  and  assigns  of 
you  and  us.  For  purposes  of  this  Provision,  “Claim”  means  any 
claim,  dispute  or  controversy  by  either  you  or  us,  arising  out  of 
or  relating  in  any  way  to  this  Contract,  this  Provision  (including 
claims  regarding  the  applicability,  enforceability  or  validity  of  this 
Provision),  your  Credit  Account,  any  transaction  on  your  Credit 
Account and our relationship. “Claim” also refers to any interaction 
or  communication  between  you  and  us  that  occurred  prior  to  or 
concurrent  with  entering  into  this  Contract,  including  those  now 
in existence, regardless of present knowledge. “Claim” shall refer 
to  claims  of  every  kind  and  nature,  including,  but  not  limited  to, 
initial  claims,  counterclaims,  cross-claims  and  third  party  claims. 
All  Claims  are  subject  to  arbitration,  regardless  of  legal  theory 
and  remedy  sought,  including,  but  not  limited  to,  claims  based 
in  contract,  tort  (including  negligence,  intentional  tort,  fraud  and 
fraud in the inducement), agency, statutory law (federal and state), 
administrative  regulations  or  any  other  source  of  law  (including 
equity).

Agreement  to  Arbitrate:  Any  Claim  arising  out  of  or  relating  to 
this Contract, or the breach of this Contract or your Credit Account, 
shall  be  resolved  and  settled  exclusively  and  finally  by  binding 
arbitration,  in  accordance  with  this  Provision.  Binding  arbitration 
shall not be required, however, for collection actions by us relating to 
your Credit Account. Furthermore, both you and we retain the right 
to pursue in a small claims court any Claim that is within that court’s 
jurisdiction,  provided  the  Claim  proceeds  on  an  individual  basis. 
However, only a court of law, not an arbitrator, shall determine the 
validity and effect of this Provision’s prohibition of class arbitration. 
For any Claims covered by this Provision, a party who asserted a 
Claim in a lawsuit in court may elect arbitration with respect to any 
Claim subsequently asserted in that lawsuit by any other party.
Voluntary Waiver of the Right to a Jury Trial and Class Action 
Participation:  As  a  result  of  this  Provision,  neither  you  nor  we 
have the right to litigate any Claim in court or the right to a jury trial 
on any Claim, except as provided above. YOU AGREE THAT YOU 
ARE  VOLUNTARILY AND  KNOWINGLY  WAIVING ANY  RIGHT 
YOU  MAY  HAVE  TO  GO  TO  COURT  OR  TO  HAVE  A  JURY 
TRIAL. FURTHERMORE, NEITHER YOU NOR WE MAY SERVE 
AS  A  REPRESENTATIVE,  A  PRIVATE  ATTORNEY  GENERAL, 
OR IN ANY OTHER REPRESENTATIVE CAPACITY. SIMILARLY, 
NEITHER YOU NOR WE MAY PARTICIPATE AS A MEMBER OF 
A CLASS OF CLAIMANTS IN A LAWSUIT OF ANY CLAIM.
Prohibition  of  Class  Arbitration:  All  Claims  shall  be  resolved 
by  binding  arbitration  on  an  individual  basis.  Claims  made  and 
remedies sought as part of a class action, private attorney general 
or  other  representative  action  are  subject  to  arbitration  on  an 
individual  (non-class,  non-representative)  basis.  Therefore,  the 
arbitrator  has  no  authority  to  conduct  class-wide  proceedings 
and  will  be  restricted  to  resolving  individual  Claims.  UNDER 
THIS  ARBITRATION  PROVISION  THERE  IS  NO  RIGHT  OR 
AUTHORITY  FOR  ANY  CLAIMS  TO  BE  ARBITRATED  ON  A 
CLASS BASIS. Arbitration will only be conducted on an individual 
Claim basis and there is no right or authority to consolidate or join 
any of your Claims with any other Claims. YOU AGREE THAT YOU 
ARE  VOLUNTARILY AND  KNOWINGLY  WAIVING ANY  RIGHT 
TO  PARTICIPATE  AS  A  REPRESENTATIVE  OR  MEMBER  OF 
ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY  CLAIM 
SUBJECT TO ARBITRATION UNDER THIS PROVISION.
Governing Law: This agreement to arbitrate is made pursuant to 
a transaction involving interstate commerce and shall be governed 
by  the  Federal  Arbitration  Act,  9  U.S.C.  §§  1-16,  as  it  may  be 
amended.  If  for  any  reason  the  Federal Arbitration Act  does  not 
apply, the substantive law of the State of South Dakota shall govern 
this Provision.
Arbitration Location and Procedure:  Any arbitration hearing at 
which  you  wish  to  appear  will  take  place  at  a  location  within  the 
federal judicial district that includes your billing address at the time 
the Claim is filed. The party bringing the Claim may file its Claim 
at  the American Arbitration Association  (“AAA”),  or  an  arbitration 
organization mutually agreed upon by the parties. The arbitration 
organization that is selected will administer the arbitration pursuant 
to  its  procedures  in  effect  at  the  time  of  filing,  subject  to  this 
Provision. If you do not agree to file your claim with AAA, and the 
parties  cannot  agree  on  an  alternative  arbitration  organization, 
an arbitrator will be appointed by a court pursuant to the Federal 
Arbitration Act. In the event of a conflict or inconsistency between 
the respective organization’s rules and this Provision, this Provision 
shall  govern.  The  arbitration  will  be  conducted  before  a  single 
arbitrator,  whose  authority  is  limited  solely  to  individual  Claims 
between you and us. The arbitration will not be consolidated with 
any  other  arbitration  proceeding.  Any  decision  rendered  in  such 
arbitration proceeding will be final and binding on the parties and 
judgment may be entered in a court of competent jurisdiction. The 
rules  and  forms  of  AAA  may  be  obtained  as  follows:  American 
Arbitration  Association,  (1-800-778-7879),  335  Madison  Avenue, 
Floor 10, New York, NY 10017, website at www.adr.org.
Arbitrator’s  Authority:  The  arbitrator  shall  apply  the  applicable 
substantive  law,  consistent  with  the  Federal Arbitration Act;  shall 
apply  statutes  of  limitation;  and  shall  honor  claims  of  privilege 
recognized  at  law.  In  conducting  the  arbitration  proceeding,  the 
arbitrator shall not apply any federal or state rules of civil procedure 

or  evidence.  PURSUANT  TO  THIS ARBITRATION  PROVISION, 
THERE  IS  NO  RIGHT  TO  ENGAGE  IN  PREARBITRATION 
DISCOVERY EXCEPT AS PROVIDED FOR IN THE RULES AND 
PROCEDURES  OF  THE  RESPECTIVE  CHOSEN  NATIONAL 
ARBITRAL ORGANIZATION. Either party may, however, request 
to  expand  the  scope  of  discovery.  If  a  request  is  made,  within 
15 days of the requesting party’s notice, the objecting party may 
submit  objections  to  the  arbitrator  with  a  copy  of  the  objections 
provided to the party requesting expansion. The grant or denial of 
a party’s request will be in the sole discretion of the arbitrator, who 
shall  notify  the  parties  of  the  final  decision  within  20  days  of  the 
objecting party’s submission.
The Arbitrator’s Award:  The arbitrator has the ability to award to 
the prevailing party all remedies available at common law, by statute 
or in equity, including injunctive relief, declaratory relief, arbitration 
costs  and  attorney  fees.  The  arbitrator  shall  not,  however,  have 
authority to award any punitive damages. YOU AND WE AGREE 
THAT  PUNITIVE  DAMAGES  ARE  NOT  RECOVERABLE  IN 
ANY  ARBITRATION  OR  OTHER  PROCEEDING  UNDER  THIS 
CONTRACT  EXCEPT  TO  THE  EXTENT  PUNITIVE  DAMAGES 
WOULD  BE  AVAILABLE  IN  LITIGATION.  For  awards  not  in 
excess  of  $5,000.00,  upon  the  timely  request  of  any  party,  the 
arbitrator shall provide a brief written explanation of the basis for 
the award. In the event an award exceeds $5,000.00, or in which 
there  is  a  request  for  equitable  relief  with  a  potential  financial 
impact or value in excess of $5,000.00, the award of the arbitrator 
shall be in writing and shall specify the facts and the law on which 
it is based. In such case, the arbitrator’s findings of fact must be 
supported by substantial evidence and the arbitrator’s conclusions 
of  law  must  not  be  based  on  legal  error  or  be  erroneous  under 
the applicable substantive law. Further, in addition to the Federal 
Arbitration Act’s grounds for vacation, modification or correction of 
the  arbitrator’s  award,  the  parties  shall  have  the  right  to  judicial 
review of the arbitrator’s award to determine whether the arbitrator’s 
findings of fact are supported by substantial evidence and whether 
the arbitrator’s conclusions of law are based on legal error or are 
erroneous  under  the  applicable  substantive  law.  Judgment  upon 
the award rendered by the arbitrator may be entered in any court 
having  jurisdiction  thereof.  However,  if  the  award  is  in  excess  of 
$5,000.00, judgment may be entered only upon determination by 
the court that the award is supported by substantial evidence and 
is not erroneous or based on legal error.
Expenses:  Regardless  of  who  demands  arbitration,  we  will  pay 
all  expenses  of  arbitration,  including  the  filing,  administrative, 
hearing and arbitrator’s fees (“Arbitration Fees”), to the extent that 
the Arbitration Fees exceed the amounts you would be required to 
pay for filing a lawsuit in a court. Throughout the arbitration, each 
party shall bear his or her own attorney fees and expenses, such as 
witness and expert witness fees. If you prevail in the arbitration of 
any Claim against us, we will reimburse you for any fees you paid 
to the arbitration organization in connection with the arbitration.
Binding Effect and Survival: You and we agree that, except as 
specifically provided for above, the arbitrator’s decision will be final 
and binding on all parties subject to this Provision. This Provision 
is  binding  upon  you,  us,  and  the  heirs,  successors,  assigns  and 
related  third  parties  of  you  and  us.  This  Provision  shall  survive 
termination  of  your  account,  whether  it  be  through  voluntary 
payment of the debt in full by you, a legal proceeding initiated by 
us to collect a debt that you owe, a bankruptcy by you or a sale of 
your Credit Account by us.
Severability: If any portion of this Provision is deemed invalid or 
unenforceable  under  any  law  or  statute  consistent  with  the  FAA, 
such  a  finding  shall  not  invalidate  any  remaining  portion  of  this 
Provision,  the  Contract  or  any  other  agreement  entered  into  by 
you  with  us.  However,  the  prohibition  on  class  arbitration  is  not 
severable  from  the  remainder  of  this  Provision.  In  the  event  that 
a court deems the prohibition on class arbitration to be invalid and 
unenforceable,  any  subsequent  class  action  or  representative 
proceeding  shall  be  in  a  court  of  law  and  will  not  be  subject  to 
binding arbitration.

M-104491                   SEC                       9/11

First PREMIER Bank
CREDIT CARD AND DEPOSIT ACCOUNT CONTRACT 
AND ACCOUNT OPENING DISCLOSURES (cont’d)
This  Contract  explains  the  terms  and  conditions  of  your  Credit 
Account with us, including important provisions relating to arbitration 
and litigation. For additional important information on fees and 
INTEREST CHARGES and other contract provisions that apply 
to  your  Credit Account,  please  review  the Account  Opening 
Disclosures printed on the card carrier containing your Card. 
Be sure to retain all Contract documents for future reference.

YOUR CONTRACT WITH US
Your MasterCard® or Visa® brand Credit Account is governed by 
the terms and conditions in this Contract and the Account Opening 
Disclosures  printed  on  the  card  carrier  containing  your  Card 
(“Contract”).
Applicable Law: No matter where you live, our Contract with you 
and the terms of your Credit Account will be governed by the laws 
of the State of South Dakota and applicable federal law.
Effective Date: Unless you are a resident of the State of New York, 
this Contract is effective upon the earlier of (1) the first Purchase 
made or Cash Advance taken on your Credit Account, and (2) the 
expiration of 30 days from the date we issue the Card to you if you 
do not provide us written notice of your desire to cancel within this 
30 days. If you are a resident of the State of New York, this Contract 
is  not  effective  until  the  earlier  of  (1)  the  first  Purchase  made  or 
Cash Advance taken on your Credit Account, and (2) the date you 
move from the State of New York, unless the date you move from 
the State of New York is less than 30 days from the date we issue 
a Card to you, in which case this Contract will be effective on the 
date that is 30 days from the date we issue a Card to you (and not 
the date you move from the State of New York) if you do not provide 
us written notice of your desire to cancel within this 30 days. In all 
cases,  if  any  fees  are  required  to  be  paid  prior  to  opening  your 
Credit Account, this Contract will not be effective and your Credit 
Account will not be opened until such fees are paid in full. You are 
not obligated to pay any fees or INTEREST CHARGES (other than 
any fees required to be paid prior to opening your Credit Account) 
until this Contract is effective.

DEFINITIONS USED IN THIS CONTRACT
In this Contract, “we”, “us” and “our” each refer to First PREMIER 
Bank (the “Bank”).
“Authorized User” means any person authorized by you to use 
the Card or Credit Account.
“Billing  Cycle”  begins  on  the  day  after  the  Statement  Closing 
Date of the previous Statement and includes the Statement Closing 
Date of the current Statement.
“Card” means all the plastic credit cards we issue to you or any 
other person who is authorized to use the Credit Account. In the 
event we issue other devices by which you can access your Credit 
Account,  those  devices  will  also  be  “Cards”  for  purposes  of  this 
Contract.
“Closing Date” means the last day of any Billing Cycle.
“Credit Account” means the credit card account that we open for 
you  and  the  relationship  that  is  established  between  you  and  us 
by this Contract. This Credit Account is used to record transaction 
activity made by you when you access or otherwise utilize the line 
of credit we extend to you when you use your Card.
“New  Balance”  means  the  outstanding  balance  of  your  Credit 
Account at the end of any Billing Cycle. The New Balance is the 
sum of the Previous Balance (defined as the New Balance shown 
on your last Statement) less payments and credits, plus new Cash 
Advances and Purchases and our charges posted during the Billing 
Cycle.
“Payment  Due  Date”  means  the  date  we  must  receive  your 
payment, which is not less than 27 days from the Closing Date.
“Proper  Form”  means  that  a  payment  sent  by  mail  or  courier 
follows these guidelines:

•	 Payments  must  be  sent  to  the  address  on  the  payment 

coupon of your Statement.

•	 Payments  must  be  made  by  check  or  other  negotiable 
instrument in U.S. dollars payable to First PREMIER Bank.
•	 All checks or negotiable instruments must be drawn on a U.S. 

bank or at a U.S. branch of a foreign bank.

•	 Payments  must  not  be  in  the  form  of  cash  or  third-party 

checks. 

•	 Your payment coupon must be included with your payment. If 
your payment coupon is not included, your name and account 
number must be printed legibly on your check or negotiable 
instrument.

“Related  Credit  Account(s)”  means  any  Credit  Accounts 
established using the same Social Security Number.
“Statement” is a summary of your Credit Account activity provided 
to you at the end of each Billing Cycle.
“Total  Minimum  Amount  Due”  means  the  total  minimum 
amount we request that you pay each month as indicated on your 
Statement.  This  amount  includes  the  Amount  Due  This  Period, 
any Past Due Amount and any Amount Over Limit Due, which is 
the amount by which the New Balance exceeds your Credit Limit. 
(See  the  Minimum  Payment  provisions  on  the Account  Opening 
Disclosures  printed  on  the  card  carrier  containing  your  Card  for 
more  information  on  how  the  “Total  Minimum  Amount  Due”  is 
calculated.)
“You” and “your” mean each and every person who is authorized 
to use the Credit Account, including Authorized Users, joint account 
holders and other persons you authorize to use the Card. 
Other  important  words  used  in  this  Contract  begin  with  capital 
letters. They are defined throughout this Contract.

USING YOUR CARD

Sign Your Card: Be sure to sign your Card before you use it.
If You  Do  Not  Want  the  Card:  If  you  do  not  want  the  Card  and 
Credit  Account,  you  must  contact  us  by  telephone  or  in  writing 
asking us to close your Credit Account.
Do  Not  Give  Your  Card  to  Others:  Cards  may  not  be  given  to 
anyone  else  to  use.  Other  people  who  want  a  Credit  Account 
should apply separately.
Your Responsibility for Authorized Users: If another person is 
given access to your Credit Account with your express or implied 
permission, notwithstanding the provision above, that person is an 
Authorized User, even if we did not issue an additional Card in the 
Authorized User’s name. At your request, and if we agree, we may 
issue an additional Card in the name of an Authorized User with 
your Credit Account number.
You will be responsible for all charges, Cash Advances, INTEREST 
CHARGES, Purchases and fees incurred by any Authorized User. 
We are not required to try to obtain payment from any Authorized 
User before requiring payment from you. 
If  you  wish  to  remove  an  Authorized  User  from  your  Credit 
Account  you  must  contact  us  either  by  telephone  or  in  writing. 
You  will  still  be  responsible  for  payment  of  all  Purchases,  Cash 
Advances,  INTEREST  CHARGES  and  fees  incurred  or  obtained 
by the Authorized User. We may close your existing Credit Account 
and  issue  you  a  new  Card  and  account  number.  You  and  each 
Authorized User agree that we may report account information to 
Consumer Reporting Agencies in the names of both you and the 
Authorized User.
Lost or Stolen Cards: To protect your rights, you must notify us 
immediately at 1-800-987-5521 if your Card is lost or stolen or if 
you  suspect  that  it  has  been  used  or  may  be  used  without  your 
permission.  If  your  Card  is  reported  as  lost  or  stolen  or  you  are 
claiming  unauthorized  use  of  your  Credit  Account  or  Card,  we 
may  require  you  to  file  one  or  more  reports  with  the  appropriate 
law enforcement agencies and us prior to our removal of possible 
unauthorized charges made against your Credit Account. You will 
not be liable for unauthorized use of your Card. Certain exceptions 
apply and you may be liable for up to $50.00.
Refusal  to  Accept  Your  Card:  We  are  not  responsible  if  any 
person  or  merchant  does  not  accept  your  Card,  or  if  an ATM  or 
other device fails to properly operate. All transactions, even when 
you get a receipt, are subject to our final verification.

Cards Are Our Property: You agree to return each Card issued on 
your Credit Account to us upon our demand.

USING YOUR CREDIT ACCOUNT
Your Promise To Pay: You agree to pay us for all charges, Cash 
Advances,  INTEREST  CHARGES,  Purchases  and  fees  incurred 
on your Credit Account by you, or by any Authorized User, as well 
as any other fees imposed by us, as explained in this Contract. If 
more than one person requests, accepts or uses the Credit Account, 
each and every person individually and jointly are responsible for 
payment until the account is paid in full.
Joint  Account  Holders:  If  this  is  a  joint  Credit  Account,  each 
person  who  signed  the  application:  (1)  may  obtain  Purchases 
and Cash Advances not to exceed the total credit limit; (2) will be 
responsible  for  paying  all  amounts  owed;  and  (3)  can  close  the 
Credit Account.
Accessing  Your  Credit  Line:  You  can  use  the  Card  and  your 
Credit  Account  to  make  Purchases  and  obtain  Cash  Advances. 
Upon your request, you may be assigned a Personal Identification 
Number (PIN). If a PIN is assigned to you, you can obtain a Cash 
Advance at any authorized ATM by using the Card and PIN.
Understanding  Your  Credit  Limit:  Your  “Credit  Limit”  is  the 
maximum  amount  of  credit  we  have  approved  for  your  Credit 
Account.  The  amount  of  your  Credit  Limit  is  printed  on  the  card 
carrier containing your Card and on your Statements. Your balance 
may not exceed your Credit Limit at any time. At our sole discretion, 
we may honor Purchases or Cash Advances in excess of your Credit 
Limit without raising your Credit Limit. If we do, we may require you 
to pay us any amount over your Credit Limit immediately. Decisions 
on Credit Limit increases may be based on your performance under 
this  Credit Account  and  other  Related  Credit Accounts  you  have 
with us and other credit criteria. If we have previously allowed your 
balance to exceed your Credit Limit, it does not mean that we will 
permit your balance to exceed your Credit Limit again. We reserve 
the right to approve or deny authorizations or transactions from any 
merchant at our sole discretion.
Obtaining Cash Advances: You may take Cash Advances on your 
Credit Account in any of the following ways: By presenting the Card 
to  us  or  any  other  participating  MasterCard®  or  Visa®  financial 
institution  to  obtain  cash,  by  using  the  Card  at  an  authorized 
merchant, other non-bank entity, or an Automated Teller Machine 
(ATM) or other device to obtain cash or cash equivalent, or to make 
a  transfer  from  your  Credit Account  to  any  other  deposit  or  loan 
account. Even if you use your Credit Account to obtain cash from a 
non-bank entity, the transaction will be described as a Bank Cash 
Advance.
You may not take Cash Advances in excess of $500.00 per day. 
The minimum Cash Advance per transaction is $20.00. For Credit 
Accounts  opened  on  or  after  June  1,  2003,  your  initial  Cash 
Advance limit will be 10% of your assigned Credit Limit. Once your 
Credit  Account  has  been  open  and  active  for  a  minimum  of  90 
days,  has  two  consecutive  months  of  current  payment  history,  is 
not currently delinquent and no payments have been returned for 
the past 60 days, your Cash Advance availability may be increased 
to  50%  of  the  assigned  Credit  Limit.  For  example,  if  your  Credit 
Limit is $250.00, your beginning Cash Advance limit will be $25.00 
and may increase to $125.00 once the criteria above are met.

RECEIVING STATEMENTS, OTHER INFORMATION AND
COMMUNICATIONS FROM US
Where We Send Statements: We will send Statements and any 
other  notices  to  you  at  the  address  shown  in  our  files.  If  this  is 
a  joint  Credit  Account,  we  can  send  Statements  and  notices  to 
either of you. You agree to notify us promptly of any change in your 
address. We may accept address changes or corrections from the 
United States Postal Service. We may also mail Statements and 
other communications to you at any address we determine to be 
an address at which you can receive mail. If you elect to receive 
Statements and other communications electronically, we may send 
those Statements and communications as directed by you.
When  You  Receive  Your  Statements:  We  will  send  you  a 
Statement at the end of each monthly Billing Cycle in which your 
Credit Account has a debit or credit balance of more than $1.00, 
if an INTEREST CHARGE has been imposed or if other account 

activity has occurred. Your Statements will arrive around the same 
time each month, however we reserve the right to change the date 
of your Billing Cycle at any time.
Understanding Your Statement: The Statements we send to you 
will  reflect  the  activity  and  our  INTEREST  CHARGES  and  other 
charges, costs and fees on your Credit Account during the Billing 
Cycle. They will also show your Total Minimum Amount Due and 
Payment  Due  Date,  which  is  the  date  by  which  we  must  receive 
payment.  The  information  contained  on  the  Statement  will  be 
deemed to be correct unless you advise us in writing of any error 
within  60  days  of  the  date  on  which  we  send  your  Statement.  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” 
in your application.
Your Consent for Calls and/or Text Messages to Your Cellular 
Phone:  If  we  collect  your  cellular  phone  number  from  you,  from 
another source, or as a result of receiving a cellular phone call from 
you, you expressly consent to accept from us, our affiliates or any 
third party acting on our behalf:
(1)  Calls  or  text  messages  for  collection  purposes  or  for  other 
account-related purposes, such as to process your application.
(2)  Calls  or  text  messages  that  we  initiate  to  your  cellular  phone 
number made or transmitted using any automatic telephone dialing 
system and/or containing prerecorded messages.
You  agree  you  will  be  responsible  for  any  fees  or  charges  you 
incur as a result of incoming calls or text messages from us, from 
our affiliates or from any third party acting on behalf of us or our 
affiliates.
E-mail: By providing us with your e-mail address, you consent to 
receive  correspondence  electronically  from  us  and  our  affiliates 
and service providers. You agree that we may communicate with 
you by e-mail for any lawful reason.
Other Communication Devices: If you provide us with any other 
form  of  electronic  communication  mechanism,  you  agree  that 
we may communicate with you by that mechanism for any lawful 
reason.

ABOUT YOUR PAYMENTS
Amount of Payment: You must make Minimum Payments on your 
Credit Account.  Refer  to  the  Minimum  Payment  provisions  in  the 
Account Opening Disclosures printed on the card carrier containing 
your  Card  for  more  detailed  information.  Payments  made  in  any 
Billing Cycle that are greater than the Total Minimum Amount Due 
will not affect your obligation to make the next minimum monthly 
payment. Each month your Statement shows a New Balance you 
must pay the Total Minimum Amount Due. Generally, credits to your 
Credit Account,  such  as  those  generated  by  merchants,  are  not 
treated  as  payments  on  your  Credit Account  and  will  not  reduce 
your Total Minimum Amount Due. You have until the Payment Due 
Date shown on the front of your Statement, which is not less than 
27 days from the Closing Date, to pay the Total Minimum Amount 
Due.
Applying  Your  Payments:  We  will  apply  payments  to  balances 
subject to higher INTEREST CHARGES and other charges before 
applying  payments  to  balances  subject  to  lower  INTEREST 
CHARGES and other charges.  We may apply your payments to 
principal amounts, Cash Advances, INTEREST CHARGES, other 
charges and other amounts in any order in our discretion, and may 
change the order of the application of payments from time to time 
at our discretion.
Availability  of  Credit:  Available  credit  created  as  a  result  of 
payments posted to your Credit Account may not be available for 
up to 20 days, or even longer if circumstances warrant an additional 
hold, or if we deem ourselves at risk for any reason. Your available 
credit may be limited, from time to time, if you provide your Credit 
Account  number  or  Card  to  a  merchant  that  processes  advance 
authorizations,  such  as  hotels,  motels  and  car  rental.  Such  an 
authorization  may  limit  your  ability  to  make  Purchases  and  take 
Cash Advances  on  your  Credit Account  until  the  authorization  is 
canceled by the merchant and your available credit is released.
Electronic  Check  Presentment:  When  you  send  us  a  personal 
check, you authorize us to either use information from your check 
to  make  a  one-time  electronic  transfer  from  your  account,  or 
to  process  the  payment  as  a  check  transaction.  If  your  check  is 

processed electronically, your canceled check will not be returned 
to you by your financial institution. We will retain an image of your 
electronically processed check(s) as required by law. If requested 
prior  to  the  time  we  are  allowed  by  law  to  destroy  electronically 
processed  checks,  we  will  provide  you  with  a  copy  of  your 
electronically processed check(s) upon your request. Funds may 
be  withdrawn  from  your  bank  account  as  soon  as  the  day  your 
payment  is  received.  We  agree  to  accept  your  checking  account 
statement as proof of payment. The description on your checking 
account  statement  will  read:  PREMIER  CR  CARD  CHECK-
PAYMT,  serial  number  of  the  check,  amount  of  the  payment  and 
date of the transaction. If you choose to opt out of electronic check 
presentment,  please  call  our  Customer  Service  Department  at 
1-800-987-5521.
Late Payments: We may accept late payments or partial payments 
or  checks  and  money  orders  marked  “payment  in  full”  without 
waiving any of our rights under this Contract.

DEFAULT PROVISIONS
Events of Default: You will be in default of this Contract if any of 
the following occur on this or any Related Credit Account:

•	 You  do  not  pay  at  least  the Total  Minimum Amount  Due  on 
your Credit Account on or before the Payment Due Date.

•	 You die or become legally incompetent. 
•	 You become insolvent or bankrupt. 
•	 You exceed or attempt to exceed your Credit Limit.
•	 You  provide  us  with  or  have  provided  us  with  false  or 

misleading information or signatures at any time. 

•	 You fail to comply with this Contract.
•	 You fail to make any payment or perform any promise in any 

agreement or obligation you have with us. 

•	 Any judgment, lien, attachment or execution is issued against 

you or your property. 

•	 You request an excessive number of replacement Cards.
•	 We reasonably believe that you will not pay amounts owed to 

us for any reason.

If You Are In Default: Upon your default of this Contract, we will 
have all remedies provided by law including, without limitation, and 
without prior notice or demand, the right to:
•	 Deny use of your Credit Account.
•	 Close or refuse to renew your Credit Account.
•	 Demand the return of your Card(s).
•	 Declare your entire balance immediately due and payable.
•	 Initiate collection activity.
•	 Not replace your Card(s).

Collection  Costs:  To  the  extent  permitted  by  law,  you  must  pay 
all court and collection costs, including reasonable attorneys’ fees, 
the  costs  of  placing  your  Credit Account  in  the  Warning  Bulletin 
and the costs of confiscating your Card, that we incur as a result 
of your default.

CLOSING YOUR CREDIT ACCOUNT
We  May  Suspend  or  Close  Your  Credit  Account:  We  may 
suspend your Credit Account privileges or permanently cancel and 
close your Credit Account at any time, for any reason.
You May Close Your Credit Account: You may cancel your Credit 
Account at any time by notifying us by telephone or in writing. Even 
after  your  Credit  Account  is  closed,  you  remain  responsible  for 
paying any amounts you owe on the Credit Account according to 
the  terms  of  this  Contract.  If  this  is  a  joint  Credit Account,  either 
of you may request that the Credit Account be closed and we will 
honor that request. 
Non Use Inactivity Closure:  If you have never made a payment 
or used your Credit Account for a purchase or cash advance, your 
Credit Account will be automatically closed, and all fees posted to 
your  Credit Account  will  be  reversed,  when  your  Credit Account 
becomes  80  days  delinquent  (75  days  from  the  initial  Statement 
Closing Date if you are a resident of the State of New York).
Refund  Disclosure:  We  will  refund  your  initial  fees  (those  that 
are billed at the time of account opening) if (1) you have not used 
your Card for a Purchase or Cash Advance ; and (2) you notify us 
within  30  days  of  opening  your  Credit  Account  that  you  wish  to 
close your Credit Account.  We will refund any Credit Limit Increase 
Fee charged to your Credit Account if you notify us, within 30 days 

of the date of the Periodic Statement on which it appears, that you 
do not wish to have the credit limit increase.  This will result in a 
reversal  of  the  credit  limit  increase.    Except  as  described  in  this 
paragraph, these fees are non-refundable.  

OTHER TERMS AND CONDITIONS
Required Deposit: We require your Credit Account to be secured 
by a deposit account which you must maintain at First PREMIER 
Bank. Additional terms and conditions governing the deposit 
account are explained elsewhere in this Contract. 
Severability:  If  any  provision  of  this  Contract  is  invalid  or 
unenforceable, it shall not affect the validity or enforceability of any 
other provision of this Contract. 
Changing This Contract: We may change this Contract from time 
to time. For example, we may change your Credit Account number 
or the Minimum Payment, add new INTEREST CHARGES or fees, 
change the ANNUAL PERCENTAGE RATE or change the method 
of  computing  the  balance  upon  which  we  impose  INTEREST 
CHARGES.  We  may  also  make  other  changes.  We  will  notify 
you in writing of any change if required by law. Contract changes 
will apply to amounts you owe at the time the change is effective 
and to new transactions on your Credit Account, unless otherwise 
required by law.
Information Sharing: The following describes your agreement with 
us with respect to information sharing. By requesting, obtaining or 
using  a  Credit Account  from  us  you  agree  that  we  may  release 
information in our records regarding you and your Credit Account:

•	 To  comply  with  any  properly  served  subpoena  or  similar 

request issued by a state or federal agency or court.

•	 To share your credit performance with Consumer Reporting 
Agencies and other creditors who we reasonably believe are 
or may be doing business with you on your Credit Account. 
•	 To  provide  information  on  your  Credit  Account  to  any  third 
party who we believe is conducting an inquiry in accordance 
with the Federal Fair Credit Reporting Act.

•	 To  share 

information  with  our  employees,  agents  or 
representatives  performing  work  for  us  in  connection  with 
your Credit Account.

•	 To  communicate  information  as  to  our  transactions  or 
experiences with you to persons or entities related by common 
ownership or affiliated by corporate control or with any third 
party (including non-affiliates).

We may also share information such as: (1) information other 
than  our  own  transactions  with  you  with  persons  or  entities 
related  to  the  Bank  by  common  ownership  or  corporate 
control; or (2) information on your Credit Account with certain 
companies to provide or offer you selected products, services 
or  cardholder  benefits.  You  may  direct  us  not  to  share  one  or 
both of these. If this is your request call 1-800-987-5521 or notify 
us in writing at First PREMIER Bank, P.O. Box 5528, Sioux Falls, 
SD 57117-5528. Be sure to include your name, address and Credit 
Account  number.  You  may  receive  a  copy  of  our  information  on 
your  Credit  Account  by  writing  or  calling  us  at  the  address  or 
telephone  number  listed  above.  By  requesting  or  obtaining  a 
Credit Account, you authorize us to check your credit history. You 
authorize your employer, bank and any other references listed to 
release and/or verify information to us and our affiliates in order to 
determine  your  eligibility  for  the  Credit Account  and  any  renewal 
or future extension of credit. If you ask, you will be told whether or 
not consumer reports on you were requested and the names of the 
Consumer Reporting Agencies, with their addresses, that provided 
the reports. If you designate an Authorized User to use your Card, 
you understand that account information may also be reported to 
Consumer Reporting Agencies in the Authorized User’s name.
No  Waiver:  Even  if  we  do  not  exercise  any  right  we  may  have 
against you, we do not intend to waive that right. We can exercise 
it against you in the future.
Binding  Effect  Upon  Death  or  Incompetency:  If  we  pay  a 
merchant  for  a  Purchase  or  post  a  Cash Advance  to  your  Credit 
Account  before  we  receive  actual  written  notice  of  your  death  or 
incompetence,  or  if  we  pay  a  merchant  for  a  Purchase  made  by 
you or post a Cash Advance taken by you prior to your death or 
incompetence,  that  transaction  will  be  a  valid  and  binding  Credit 

Account  obligation  upon  you,  your  estate  and  your  personal 
representatives.
Our  Liability  To You:  We  have  no  liability  to  you,  other  than  as 
placed on us by law. We will meet our duty to care for your Credit 
Account(s)  under  reasonable  banking  procedures.  Our  mere 
clerical error or honest mistake will not be considered a failure to 
perform any of our obligations.
Transactions in Foreign Currencies: If you make a transaction 
in a foreign currency, it will be converted into U.S. dollars, and you 
agree to accept the converted amount. Visa USA, Inc. or MasterCard 
International,  Inc.  will  use  its  currency  conversion  procedures  in 
effect  when  processing  the  transaction. The  currency  conversion 
rate will be a rate selected by Visa or MasterCard, as applicable, 
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  itself  receives,  or  the  government-
mandated rate in effect for the applicable central processing date, 
in  each  instance,  plus  a  foreign  currency  transaction  fee  in  the 
amount disclosed on your Account Opening Disclosures printed on 
the card carrier containing your Card. This fee will be paid to us and 
applied to all transactions posted to your Credit Account in a foreign 
currency,  including  all  Purchase  transactions,  Cash  Advance 
transactions, ATM transactions and returns and adjustments (e.g., 
for  returned  merchandise).  The  currency  conversion  rate  used 
on the processing date may be different than the rate that was in 
effect  on  the  date  you  conducted  the  transaction.  We  do  not  set 
the currency conversion rate, and we do not receive any portion of 
it. We do, however, receive a foreign currency transaction fee as 
disclosed on your Account Opening Disclosures printed on the card 
carrier containing your card.
Prohibition  on  Gambling  and  Illegal  Transactions:  Your  Card 
and  Credit  Account  may  not  be  used  in  connection  with  any 
gambling transaction (whether legal or illegal). Also, your Card and 
Credit Account may be used only for valid and lawful purposes. If 
you use, or allow someone else to use your Card or Credit Account 
for any unlawful purpose or for any gambling transaction, you will 
be responsible for such use and may be required to reimburse us 
for all amounts or expenses we pay as a result of such use.
Call  Recording:  We  reserve  the  right  to  monitor  and/or  record 
telephone  calls  for  quality  and  training  purposes.  This  includes 
both  calls  to  and  originated  by  First  PREMIER  Bank,  PREMIER 
Bankcard, LLC, or any of our affiliates or service providers.

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:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
(You may also contact us on the Web:  www.mypremiercreditcard.
com.)
In your letter, give us the following information:
• Account information: Your name and Credit Account Number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, 
describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 
mistake.
You must contact us:
• Within 60 days after the error appeared on your Statement.
• At  least  three  business  days  before  an  automated  payment  is 
scheduled, if you want to stop payment on the amount you think 
is wrong.
You must notify us of any potential errors in writing (or electronically). 
You may call us, but if you do we are not required to investigate any 
potential errors and you may have to pay the amount in question.
What  Will  Happen  After  We  Receive  Your  Letter:  When  we 
receive your letter, we must do two things:
(1)  Within  30  days  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.