After we receive your letter, we cannot try to collect any amount you  After we receive your letter, we cannot try to collect any amount you  After we receive your letter, we cannot try to collect any amount you  Interest Rates and Interest Charges  Interest Rates and Interest Charges  Interest Rates and Interest Charges  Cash Advances in excess of your credit line at our sole discretion.    reason or cannot be processed, we may charge a Returned Payment 
                                                                                                             
 15.  15.  15.  Changes in Agreement Terms. We can change any term of this  Changes in Agreement Terms. We can change any term of this  Changes in Agreement Terms. We can change any term of this  19.  19.  19.  Binding Effect. This Agreement is binding upon and enforceable  Binding Effect. This Agreement is binding upon and enforceable  Binding Effect. This Agreement is binding upon and enforceable  question, or report you as delinquent. We can continue to bill you for the  question, or report you as delinquent. We can continue to bill you for the  question, or report you as delinquent. We can continue to bill you for the  Annual Percentage  Annual Percentage  Annual Percentage  If we do this Agreement also applies to that excess and you agree  Your Account is not in good standing if at any time we do not  Fee equal to the amount of the Minimum Payment Due up to a 
                                                                                                                      �            �                                                                       th
 Agreement, including the rate at which or manner in which Interest  Agreement, including the rate at which or manner in which Interest  Agreement, including the rate at which or manner in which Interest  against your heirs, legal representatives, or successors.  against your heirs, legal representatives, or successors.  against your heirs, legal representatives, or successors.  amount you question, including interest charges, and we can apply any  amount you question, including interest charges, and we can apply any  amount you question, including interest charges, and we can apply any  Rate (APR) for  Rate (APR) for  Rate (APR) for  14.9%  14.9%  14.9%  VISA /MASTERCARD   to pay the excess immediately if we demand that you do so. You  receive at least the Minimum Payment Due by the 60  day after  maximum of $25.00.   
 charges are calculated, at any time upon such notice to you as is  charges are calculated, at any time upon such notice to you as is  charges are calculated, at any time upon such notice to you as is        unpaid amount against your credit limit. You do not have to pay any  unpaid amount against your credit limit. You do not have to pay any  unpaid amount against your credit limit. You do not have to pay any  Purchases  Purchases  Purchases  agree that we may change or cancel your credit line at any time  the Payment Due Date shown on the Monthly Billing Statement.      
                                                                                                                CARDHOLDER AGREEMENT 
 required by law. At our option, any change will apply both to your  required by law. At our option, any change will apply both to your  required by law. At our option, any change will apply both to your  20.  20.  20.  Currency  Currency  Currency  Conversion  Conversion  Conversion  Rate.  Rate.  Rate.  If  If  If  you  you  you  effect  effect  effect  a  a  transaction  a  transaction  transaction  at  at  at  a  a  a  questioned amount while we are investigating, but you are still obligated  questioned amount while we are investigating, but you are still obligated  questioned amount while we are investigating, but you are still obligated  without affecting your obligation to pay amounts that you owe    Account Handling Fee. If you are in default of this Agreement 
                                                                        APR for Balance  APR for Balance  APR for Balance  14.9%  14.9%  14.9%   
 new activity and to your outstanding balance when the change is  new activity and to your outstanding balance when the change is  new activity and to your outstanding balance when the change is  merchant that settles in a currency other than U.S. dollars, VISA�/  merchant that settles in a currency other than U.S. dollars, VISA�/  merchant that settles in a currency other than U.S. dollars, VISA�/  to pay the parts of your bill that are not in question.  to pay the parts of your bill that are not in question.  to pay the parts of your bill that are not in question.  under this Agreement.  9.  INTEREST  CHARGES.  Your  Account  is  subject  to  the  and it is necessary for us to place restrictions on your Account, you 
                                                                        Transfers  Transfers  Transfers     Please read this agreement carefully and save it for future reference. It 
 effective. If you do not wish to be subject to the change, you must  effective. If you do not wish to be subject to the change, you must  effective. If you do not wish to be subject to the change, you must  MasterCard� will convert the charge into a U.S. dollar amount.  MasterCard� will convert the charge into a U.S. dollar amount.  MasterCard� will convert the charge into a U.S. dollar amount.          following interest charges, each of which will be charged to your  may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these 
                                                                        APR for Cash  APR for Cash  APR for Cash  14.9%  14.9%  14.9%  contains Regulation Z disclosures and your rights in case of errors or 
 notify us in writing within 25 days of the effective date of the  notify us in writing within 25 days of the effective date of the  notify us in writing within 25 days of the effective date of the  Visa�/MasterCard� will use its currency conversion procedure,  Visa�/MasterCard� will use its currency conversion procedure,  Visa�/MasterCard� will use its currency conversion procedure,  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  4.  Billing  Statements.  We  will  promptly  send  a  Monthly  Billing  Account as a Purchase:  restrictions cause your Card to be retained and returned to us, you 
                                                                        Advances  Advances  Advances        inquiries about your bill. 
 change and close your Account. Use of the Card after the effective  change and close your Account. Use of the Card after the effective  change and close your Account. Use of the Card after the effective  which is disclosed to institutions that issue the Cards.  Currently  which is disclosed to institutions that issue the Cards.  Currently  which is disclosed to institutions that issue the Cards.  Currently  any interest charges related to any questioned amount. If we didn�t make  any interest charges related to any questioned amount. If we didn�t make  any interest charges related to any questioned amount. If we didn�t make  Statement at the end of each monthly billing cycle if your Account    agree to pay all charges associated with recovering your Card. 
 date of the change is deemed acceptance of the new terms.  date of the change is deemed acceptance of the new terms.  date of the change is deemed acceptance of the new terms.  the  currency  conversion  rate  used  to  determine  the  transaction  the  currency  conversion  rate  used  to  determine  the  transaction  the  currency  conversion  rate  used  to  determine  the  transaction  a mistake, you may have to pay interest charges, and you will have to  a mistake, you may have to pay interest charges, and you will have to  a mistake, you may have to pay interest charges, and you will have to  How to Avoid  How to Avoid  How to Avoid  Your due date is at least 25 days after the  Your due date is at least 25 days after the  Your due date is at least 25 days after the   
                                                                                                                               �     �           has a debit or credit balance greater than $1.00. The Monthly  Periodic  Interest  Charges.  An  INTEREST  CHARGE  is   
       amount in U.S. dollars for such transactions is generally either a  amount in U.S. dollars for such transactions is generally either a  amount in U.S. dollars for such transactions is generally either a  make up any missed payments on the questioned amount. In either case,  make up any missed payments on the questioned amount. In either case,  make up any missed payments on the questioned amount. In either case,  Paying Interest on  Paying Interest on  Paying Interest on  close of each billing cycle.  We will not  close of each billing cycle.  We will not  close of each billing cycle.  We will not  This is the Agreement that covers your VISA /MasterCard  Cardholder  Billing Statement will show the Previous Balance, Purchases and  imposed on Purchases beginning on the date the Purchase is posted  Reinstatement Fee. If we close your Account due to your default 
       government  mandated  rate  or  a  wholesale  rate  determined  by  government  mandated  rate  or  a  wholesale  rate  determined  by  government  mandated  rate  or  a  wholesale  rate  determined  by  we will send you a statement of the amount you owe and the date that it  we will send you a statement of the amount you owe and the date that it  we will send you a statement of the amount you owe and the date that it  Purchases  Purchases  Purchases  charge you interest on purchases if you pay  charge you interest on purchases if you pay  charge you interest on purchases if you pay  Account with First Bank & Trust (�Account�). In this Agreement, the  Cash  Advances  posted  during  the  billing  period,  any  Interest  to your Account. No INTEREST CHARGE will be imposed on  and we later reinstate your Account at your request, you may be a 
 16.  16.  16.  Arbitration.  �Arbitration� is a means of having an independent  Arbitration.  �Arbitration� is a means of having an independent  Arbitration.  �Arbitration� is a means of having an independent  Visa�/MasterCard�  Visa�/MasterCard�  Visa�/MasterCard�  for  for  for  the  the  the  processing  processing  processing  cycle  cycle  cycle  in  in  in  which  which  which  the  the  the  is due.  is due.  is due.  your entire balance by the due date each  your entire balance by the due date each  your entire balance by the due date each  words �you� and �your� refer to the person who applied for the Account  Charges, and all payments, debits, and credits to your Account  your Purchases if the Previous Balance shown on your Monthly  charged a Reinstatement Fee of $25.00. 
 third party resolve a Dispute. A �Dispute� is any controversy or  third party resolve a Dispute. A �Dispute� is any controversy or  third party resolve a Dispute. A �Dispute� is any controversy or  transaction is processed.  The currency conversion rate used on the  transaction is processed.  The currency conversion rate used on the  transaction is processed.  The currency conversion rate used on the        month.  month.  month.  and any Joint Accountholder, if applicable. �We�, �us�, and �our� refer  through the Billing Cycle Closing Date. It will also show, among  Billing Statement is zero and you pay your New Balance in full by   
 claim of any type or nature between you (or any co-signer, co- claim of any type or nature between you (or any co-signer, co- claim of any type or nature between you (or any co-signer, co- processing date may differ from the rate that would have been used  processing date may differ from the rate that would have been used  processing date may differ from the rate that would have been used  If you fail to pay the amount that we think you owe, we may report you  If you fail to pay the amount that we think you owe, we may report you  If you fail to pay the amount that we think you owe, we may report you  Minimum Interest  Minimum Interest  Minimum Interest  If you are charged interest, the charge will  If you are charged interest, the charge will  If you are charged interest, the charge will  to First Bank & Trust, Brookings, South Dakota.  The word �Card�  other things, your New Balance, the Minimum Payment Due, and  the Payment Due Date shown on your Monthly Billing Statement.  Statement Copy Fee. If you request a copy of a Monthly Billing 
 obligor, guarantor, joint user or authorized user) and us or our  obligor, guarantor, joint user or authorized user) and us or our  obligor, guarantor, joint user or authorized user) and us or our  on  on  on  the  the  the  purchase  purchase  purchase  or  or  or  cardholder  cardholder  cardholder  statement  statement  statement  posting  posting  posting  date.  date.  date.  as delinquent. However, if our explanation does not satisfy you and you  as delinquent. However, if our explanation does not satisfy you and you  as delinquent. However, if our explanation does not satisfy you and you  � �
                                                                        Charge  Charge  Charge  be no less than $.50.  be no less than $.50.  be no less than $.50.  the Payment Due Date (which will be at least 25 days after the  An  INTEREST  CHARGE  is  imposed  on  Cash  Advances  Statement, you may be charged a Statement Copy Fee of $2.50 per 
                                                                                                            means your VISA  Card or MasterCard  Card. 
 employees, officers, directors, attorneys, and other representatives  employees, officers, directors, attorneys, and other representatives  employees, officers, directors, attorneys, and other representatives  Visa�/MasterCard�  Visa�/MasterCard�  Visa�/MasterCard�  may  may  may  impose  impose  impose  a  a  a  1%  1%  1%  Foreign  Foreign  Foreign  Currency  Currency  Currency  write to us within ten days telling us that you still refuse to pay, we must  write to us within ten days telling us that you still refuse to pay, we must  write to us within ten days telling us that you still refuse to pay, we must  Billing Cycle Closing Date).  beginning on the date they are obtained and continues until the  page. 
                                                                        For Credit Card Tips  For Credit Card Tips  For Credit Card Tips  To learn more about factors to consider  To learn more about factors to consider  To learn more about factors to consider   
 and agents, arising out of or in any way relating to this agreement,  and agents, arising out of or in any way relating to this agreement,  and agents, arising out of or in any way relating to this agreement,  Conversion Fee for all transactions completed in a foreign country  Conversion Fee for all transactions completed in a foreign country  Conversion Fee for all transactions completed in a foreign country  tell anyone we report you to that you have a question about your bill.  tell anyone we report you to that you have a question about your bill.  tell anyone we report you to that you have a question about your bill.    balance of your Account is paid in full. There is no time in which   
                                                                        from the Federal  from the Federal  from the Federal  when applying for or using a credit card,  when applying for or using a credit card,  when applying for or using a credit card,  This Agreement is effective when you use the Card or the Account or if 
 including  including  including  this  this  this  arbitration  arbitration  arbitration  agreement.  agreement.  agreement.  You  You  You  agree  agree  agree  that  that  that  this  this  this  is  is  is  a  a  a  with  your  Credit  Card.   In  the  past,  the  Conversion  Fee  was  with  your  Credit  Card.   In  the  past,  the  Conversion  Fee  was  with  your  Credit  Card.   In  the  past,  the  Conversion  Fee  was  And, we must tell you the name of anyone we reported you to. We must  And, we must tell you the name of anyone we reported you to. We must  And, we must tell you the name of anyone we reported you to. We must  5.  Lost or Stolen Card. You may be liable for the unauthorized use  you can pay the balance of Cash Advances in order to completely  11.  Default/Collection Costs. Your Account will be in default and we 
                                                                        Reserve Board  Reserve Board  Reserve Board  visit the website of the Federal Reserve  visit the website of the Federal Reserve  visit the website of the Federal Reserve  you fail to cut your Card in half and return it to us within 30 days after 
 contract  involving  interstate  commerce  which  is  subject  to  the  contract  involving  interstate  commerce  which  is  subject  to  the  contract  involving  interstate  commerce  which  is  subject  to  the  combined  with  your  total  purchase/transaction  amount  on  your  combined  with  your  total  purchase/transaction  amount  on  your  combined  with  your  total  purchase/transaction  amount  on  your  tell anyone we report you to that the matter has been settled between us  tell anyone we report you to that the matter has been settled between us  tell anyone we report you to that the matter has been settled between us  of your Card. You will not be liable for unauthorized use that  avoid an INTEREST CHARGE.  may demand immediate payment of the entire amount you owe us 
                                                                                   Board at  Board at  Board at  the date it is issued to you. 
 Federal Arbitration Act and that any Dispute shall be settled by  Federal Arbitration Act and that any Dispute shall be settled by  Federal Arbitration Act and that any Dispute shall be settled by  account statement.  The Conversion Fee will be listed as a separate  account statement.  The Conversion Fee will be listed as a separate  account statement.  The Conversion Fee will be listed as a separate  when it finally is.  when it finally is.  when it finally is.  occurs after you notify us through our agent at 1-800-658-3660    without giving you prior notice, if: (a) your Minimum Payment 
                                                                                                             
 binding Arbitration in accordance with the applicable rules and  binding Arbitration in accordance with the applicable rules and  binding Arbitration in accordance with the applicable rules and  line item.     line item.     line item.           http://www.fedralreserve.gov/creditcard.  http://www.fedralreserve.gov/creditcard.  http://www.fedralreserve.gov/creditcard.  orally of the loss, theft, or possible unauthorized use. You may  THE INTEREST CHARGE is determined  by multiplying the  Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make 
                                                                                                            To avoid unauthorized use of your Card, please sign the back of your 
 procedures  of  the  American  Arbitration  Association  procedures  of  the  American  Arbitration  Association  procedures  of  the  American  Arbitration  Association  (�AAA�),  (�AAA�),  (�AAA�),        If we don�t follow these rules, we can�t collect the first $50.00 of the  If we don�t follow these rules, we can�t collect the first $50.00 of the  If we don�t follow these rules, we can�t collect the first $50.00 of the  Fees  Fees  Fees  also notify us in writing of loss, theft, or possible unauthorized use  Average  Daily  Balance  for  Purchases  and  for  Cash  Advances  Purchases or obtain Cash Advances in excess of your credit line; 
                                                                                                            Card immediately. 
 except as modified herein with the sole exception of collection  except as modified herein with the sole exception of collection  except as modified herein with the sole exception of collection        questioned amount, even if your bill was correct.  questioned amount, even if your bill was correct.  questioned amount, even if your bill was correct.  Annual Fee  Annual Fee  Annual Fee  None  None  None  at CARD PROCESSING CENTER, PO Box 3038, Evansville, IN  outstanding  during  the  monthly  billing  cycle  by  the  monthly  (c)  you  become  insolvent  or  are  a  party  to  a  bankruptcy 
                                                                                                             
 actions by us relating to your Account. You and we agree that the  actions by us relating to your Account. You and we agree that the  actions by us relating to your Account. You and we agree that the  21.  21.  21.  Illegal Transactions. Your Card and Account may be used only  Illegal Transactions. Your Card and Account may be used only  Illegal Transactions. Your Card and Account may be used only        Transaction Fees  Transaction Fees  Transaction Fees        47730.  In  either  case,  your  maximum  liability  is  $50  for  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  proceeding; (d) in the case of an Account with co-obligors where 
                                                                                                            1.  Using  Your  Card.  You  may  use  your  Card  or  Account  to 
 arbitrator has no authority to conduct class-wide proceedings and  arbitrator has no authority to conduct class-wide proceedings and  arbitrator has no authority to conduct class-wide proceedings and  for valid and lawful purposes. If you use, or allow someone else to  for valid and lawful purposes. If you use, or allow someone else to  for valid and lawful purposes. If you use, or allow someone else to  Special Rule for Credit Card Purchases  Special Rule for Credit Card Purchases  Special Rule for Credit Card Purchases  Balance Transfer  Balance Transfer  Balance Transfer  None  None  None  unauthorized charges to your Account made prior to receipt of  Advances  is  1.24%,  which  is  equivalent  to  an  ANNUAL  either of you request termination of the other; (e) you or a co-
                                                                                                              purchase or lease goods or services (�Purchases�) to obtain cash 
 will be restricted to resolving the individual disputes between the  will be restricted to resolving the individual disputes between the  will be restricted to resolving the individual disputes between the  use your Card and Account for any other purpose you will be  use your Card and Account for any other purpose you will be  use your Card and Account for any other purpose you will be        Cash Advance  Cash Advance  Cash Advance  Either $5 or 3% of the  Either $5 or 3% of the  Either $5 or 3% of the  your oral or written notification.  PERCENTAGE RATE of 14.9%.  obligor dies; (f) you provide false information to us, misuse the 
                                                                                                              loans  (�Cash  Advances�)  from  any  financial  institution  that 
 parties. You further agree to waive any claim for punitive damages  parties. You further agree to waive any claim for punitive damages  parties. You further agree to waive any claim for punitive damages  responsible for such use and may be required to reimburse us for  responsible for such use and may be required to reimburse us for  responsible for such use and may be required to reimburse us for  If you have a problem with the quality of property or services that you  If you have a problem with the quality of property or services that you  If you have a problem with the quality of property or services that you  amount of each cash  amount of each cash  amount of each cash      Account or Card or violate any term of this Agreement; (g) any 
                                                                                                              accepts the Card. Any cash equivalents obtained with the Card will 
 to the extent permitted by law. The arbitrator otherwise has the  to the extent permitted by law. The arbitrator otherwise has the  to the extent permitted by law. The arbitrator otherwise has the  all amounts or expenses we pay as a result of such use.  all amounts or expenses we pay as a result of such use.  all amounts or expenses we pay as a result of such use.  purchased with a credit card, and you have tried in good faith to correct  purchased with a credit card, and you have tried in good faith to correct  purchased with a credit card, and you have tried in good faith to correct  advance, whichever is  advance, whichever is  advance, whichever is  6.  Promise to Pay. By applying for and obtaining credit on your    judgment or lien is filed against you; or (h) we reasonably believe 
                                                                                                              also be treated as Cash Advances. Cash equivalent transactions 
 ability to award all remedies otherwise available by statute, at law  ability to award all remedies otherwise available by statute, at law  ability to award all remedies otherwise available by statute, at law        the problem with the merchant, you may have the right not to pay the  the problem with the merchant, you may have the right not to pay the  the problem with the merchant, you may have the right not to pay the  Account, you agree jointly and severally, if more than one person  The Average Daily Balance is computed by taking the beginning  that your ability to repay your obligations to us has been materially 
                                                                                         greater.  greater.  greater.  include  but  are  not  limited  to  wire  transfers,  money  orders 
 or  in  equity  to  the  prevailing  party  including  the  recovery  of  or  in  equity  to  the  prevailing  party  including  the  recovery  of  or  in  equity  to  the  prevailing  party  including  the  recovery  of  YOUR BILLING RIGHTS    YOUR BILLING RIGHTS    YOUR BILLING RIGHTS    remaining  remaining  remaining  amount  amount  amount  due  due  due  on  on  on  the  the  the  property  property  property  or  or  or  services.  services.  services.  There  There  There  are  are  are  two  two  two  applies for the Account, to be obligated and pay for all credit  balance of your Account on each day, calculated separately for  impaired. We shall also have the right to all remedies provided by 
                                                                        Penalty Fees  Penalty Fees  Penalty Fees        travelers  checques,  tax  payments,  gold  bullion  purchase,  and 
 reasonable  reasonable  reasonable  attorneys�  attorneys�  attorneys�  fees  fees  fees  and  and  and  the  the  the  costs  costs  costs  of  of  of  arbitration,  arbitration,  arbitration,  as  as  as  KEEP THIS NOTICE FOR FUTURE USE  KEEP THIS NOTICE FOR FUTURE USE  KEEP THIS NOTICE FOR FUTURE USE  limitations on this right:  limitations on this right:  limitations on this right:  obtained on your Account by you or any person you authorize to  Purchases and Cash Advances, adding new Purchases and Cash  law  including,  without  limitation,  closing  or  refusing  to  renew 
                                                                             Late Payment  Late Payment  Late Payment  Up to $25  Up to $25  Up to $25  gamming  transactions  or  services.   If  you  use  your  Card  or 
 determined by the arbitrator. Judgment upon the award rendered  determined by the arbitrator. Judgment upon the award rendered  determined by the arbitrator. Judgment upon the award rendered              use your Card, as well as our interest charges and any other fees  Advances and subtracting any payments and credits. Any resulting  your Account and demanding return of your Card(s).  If we refer 
                                                                                         Up to $25  Up to $25  Up to $25  Account,  you  agree  to  us  paying  the  amount  owed  to  each 
 by an arbitrator may be entered in any court having jurisdiction  by an arbitrator may be entered in any court having jurisdiction  by an arbitrator may be entered in any court having jurisdiction  This notice contains important information about your rights and our  This notice contains important information about your rights and our  This notice contains important information about your rights and our  (a)   (a)   (a)   You must have made the Purchase in your home state or, if not  You must have made the Purchase in your home state or, if not  You must have made the Purchase in your home state or, if not  Returned Payment  Returned Payment  Returned Payment  imposed by us, as provided for in the Agreement. You agree to pay  credit balance is treated as a zero ($0.00) balance. This gives us the  your  Account  for  collections  to  an  attorney  who  is  not  our 
                                                                                                              merchant or financial institution which honored your Card.  
 thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  within your home state, within 100 miles of your current mailing  within your home state, within 100 miles of your current mailing  within your home state, within 100 miles of your current mailing        us only in U.S. Dollars drawn on U/S/ financial institutions.  daily  balance.  The  daily  balances  are  then  added  together  and  regularly salaried employee, you agree to pay the reasonable fees 
                                                                                                             
 THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,        address; and  address; and  address; and  Other Fees  Other Fees  Other Fees          divided  by  the  number  of  days  in  the  billing  cycle  to  get  the  of such attorney and, whether or not an attorney is retained, all 
                                                                                                              If you give your Account number to make a purchase or obtain a 
 TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  Notify Us In Case of Errors or Questions About Your Bill  Notify Us In Case of Errors or Questions About Your Bill  Notify Us In Case of Errors or Questions About Your Bill  (b)  (b)  (b)  The Purchase price must have been more than $50.00.  The Purchase price must have been more than $50.00.  The Purchase price must have been more than $50.00.  Account Handling Fee  Account Handling Fee  Account Handling Fee  $25-If it is necessary to  $25-If it is necessary to  $25-If it is necessary to  7.  Irregular Payment and Delay in Enforcement, Waivers and  Average Daily Balance.  court and other collection costs (including any amounts actually 
                                                                                                              Cash Advance without presenting your Card (such as for a mail 
 AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO  AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO                    place restrictions on account  place restrictions on account  place restrictions on account  Releases. We can accept late payments, partial payments, checks    incurred by us in recovering your Cards(s)).  
                                                                                                              order, telephone, or Internet purchase), the legal effect will be the 
 PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  If you think your bill is wrong, or if you need more information about a  If you think your bill is wrong, or if you need more information about a  If you think your bill is wrong, or if you need more information about a  These limitations do not apply if we own or operate the merchant, or if  These limitations do not apply if we own or operate the merchant, or if  These limitations do not apply if we own or operate the merchant, or if  Statement Copy Fee  Statement Copy Fee  Statement Copy Fee  $2.50 per page  $2.50 per page  $2.50 per page  and money orders marked �paid in full� or language having the  Minimum Interest Charge. The minimum Periodic INTEREST   
                                                                                                              same as if the Card itself was used by you. 
 ANY  ANY  ANY  CLASS  CLASS  CLASS  OF  OF  OF  CLAIMANTS  CLAIMANTS  CLAIMANTS  PERTAINING  PERTAINING  PERTAINING  TO  TO  TO  ANY  ANY  ANY  transaction on your bill, write us [on a separate sheet] at the address  transaction on your bill, write us [on a separate sheet] at the address  transaction on your bill, write us [on a separate sheet] at the address  we mailed you the advertisement for the property or services.  we mailed you the advertisement for the property or services.  we mailed you the advertisement for the property or services.  $25  $25  $25  same effect without losing any of our rights under this Agreement.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  12.  Refusals to Honor Card. We are not responsible for refusals to 
                                                                             Reinstatement Fee  Reinstatement Fee  Reinstatement Fee   
 DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  listed on your bill. Write to us as soon as possible. We must hear from  listed on your bill. Write to us as soon as possible. We must hear from  listed on your bill. Write to us as soon as possible. We must hear from        We can also delay enforcing our rights under this Agreement any    honor your Card. And, except as otherwise required by law or 
                                                                             Lost/Stolen  Lost/Stolen  Lost/Stolen  $5  $5  $5  If we, at our option, give you a Personal Identification Number 
 YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  you no later than 60 days after we sent you the first bill on which the  you no later than 60 days after we sent you the first bill on which the  you no later than 60 days after we sent you the first bill on which the        number  of  times  without  losing  them  and  can  waive  or  delay  Cash Advance Fee. In addition to the INTEREST CHARGE on  regulations, we will not be responsible for merchandise or services 
                                                                                                              (PIN), you may use your Card to obtain a Cash Advance from any 
 ARBITRATION. If any portion of this Arbitration Agreement is  ARBITRATION. If any portion of this Arbitration Agreement is  ARBITRATION. If any portion of this Arbitration Agreement is  error or problem appeared. You can telephone us, but doing so will not  error or problem appeared. You can telephone us, but doing so will not  error or problem appeared. You can telephone us, but doing so will not        Replacement Card Fee  Replacement Card Fee  Replacement Card Fee 
                                                                                                                                         �       enforcing a right against one of you without waiving or delaying it  Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  purchased through use of your Card. 
 subsequently  subsequently  subsequently  deemed  deemed  deemed  unenforceable,  unenforceable,  unenforceable,  the  the  the  enforceability  enforceability  enforceability  of  of  of  any  any  any  preserve your rights.  preserve your rights.  preserve your rights.              Automated  Teller  Machine  (ATM)  that  bears  the  VISA ,  as to the other.  No waiver by us of any default shall be effective  there  is  a  INTEREST  CHARGE  of  3%  (minimum  $5.00),   
 other provision of this Arbitration Agreement shall not be affected  other provision of this Arbitration Agreement shall not be affected  other provision of this Arbitration Agreement shall not be affected              How We Will Calculate Your Balance: We use a method called  How We Will Calculate Your Balance: We use a method called  How We Will Calculate Your Balance: We use a method called  � �
                                                                                                              MasterCard ,  or  CIRRUS   logo.  All  ATM  transactions  are  unless  in  writing  nor  operate  as  a  waiver  of  any  other  future  whichever  is  greater,  for  each  Cash  Advance  posted  to  your  13.  Termination.  We  may  terminate  your  privileges  under  the 
 and  and  and  the  the  the  unenforceable  unenforceable  unenforceable  term  term  term  shall  shall  shall  be  be  be  amended  amended  amended  such  such  such  that  that  that  it  it  it  is  is  is  In your letter, give us the following information:  In your letter, give us the following information:  In your letter, give us the following information:        �average daily balance (including new purchases).�  �average daily balance (including new purchases).�  �average daily balance (including new purchases).�  default. We can release any one of you in whole or in part without  Account that month.  Agreement or cancel or limit your privileges to make Purchases or 
                                                                                                              treated under terms of this Agreement the same as Cash Advances. 
 enforceable to the maximum extent permitted by law.  enforceable to the maximum extent permitted by law.  enforceable to the maximum extent permitted by law.  �  �  �  Your name and account number.  Your name and account number.  Your name and account number.              affecting your obligation under this Agreement.    obtain Cash Advances at any time, with or without cause, without 
                                                                                                              We have the right to restrict your access to any qualified ATM at 
       �  �  �  The dollar amount of the suspected error.  The dollar amount of the suspected error.  The dollar amount of the suspected error.        Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions  Billing Rights: Information on your rights to dispute transactions    Replacement Card Fee. If at any time you request a replacement  notice or liability. If we ask, you must return your Card(s) to us, 
                                                                                                              any time. You should not keep your PIN with your Card. If you 
 17.  17.  17.  Venue  Venue  Venue  and  and  and  Jurisdiction.  Jurisdiction.  Jurisdiction.  You  You  You  consent  consent  consent  to  to  to  be  be  be  subject  subject  subject  to  to  to  the  the  the  �  �  �  Describe the error and explain, if you can, why you believe there  Describe the error and explain, if you can, why you believe there  Describe the error and explain, if you can, why you believe there        and how to exercise those rights is provided in your account  and how to exercise those rights is provided in your account  and how to exercise those rights is provided in your account  8.  Minimum  Payments.  You  may  pay  your  New  Balance  each  credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  cut in half. You agree that you will not try to make any Purchases 
                                                                                                              believe that anyone has gained unauthorized access to your PIN, 
 jurisdiction and venue of the Circuit Court for the Third Judicial  jurisdiction and venue of the Circuit Court for the Third Judicial  jurisdiction and venue of the Circuit Court for the Third Judicial  is an error. If you need more information describe the item you  is an error. If you need more information describe the item you  is an error. If you need more information describe the item you        agreement  agreement  agreement  month, or you may pay in monthly installments. If you decide to  current credit card, you may be charged a Replacement Card Fee  or obtain Cash Advances after you have been notified that your 
                                                                                                              you should advise us immediately, following the procedures under 
 Circuit, State of South Dakota, and agree that such court shall be  Circuit, State of South Dakota, and agree that such court shall be  Circuit, State of South Dakota, and agree that such court shall be  are not sure about.  are not sure about.  are not sure about.        pay in monthly installments, you must pay at least the Minimum  of $5.00. No replacement Card will be allowed on the third lost or  privileges  to  use  your  Account  have  been  canceled.  You  may 
                                                                        The information about costs of the card described in this application  The information about costs of the card described in this application  The information about costs of the card described in this application  the heading �Lost or Stolen Card.� 
 the sole and exclusive jurisdiction and venue of all court actions of  the sole and exclusive jurisdiction and venue of all court actions of  the sole and exclusive jurisdiction and venue of all court actions of  If you have authorized us to pay your credit card bill automatically from  If you have authorized us to pay your credit card bill automatically from  If you have authorized us to pay your credit card bill automatically from        Payment Due shown on your Monthly Billing Statement by the  stolen Card. This fee is an INTEREST CHARGE.  cancel  this  Agreement  by  returning  all  Cards  issued  on  your 
                                                                        is accurate as of  9/11.  The information may have changed after this  is accurate as of  9/11.  The information may have changed after this  is accurate as of  9/11.  The information may have changed after this   
 disputes or claims arising from or relating to this Agreement or the  disputes or claims arising from or relating to this Agreement or the  disputes or claims arising from or relating to this Agreement or the  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any        Payment  Due  Date.  You  may  pay  more  than  the  Minimum    Account to us, cut in half. Your or our termination or cancellation 
                                                                        date.  To find out what may have changed, write us at: PO Box  date.  To find out what may have changed, write us at: PO Box  date.  To find out what may have changed, write us at: PO Box  2.  Joint Account. If this is a Joint Account, each person (a) may 
 Account relationship.  Account relationship.  Account relationship.  amount you think is wrong. To stop the payment your letter must reach  amount you think is wrong. To stop the payment your letter must reach  amount you think is wrong. To stop the payment your letter must reach        Payment Due and may at any time pay your total balance due. We  10.  Fees. Your Account is subject to the following fees, each of which  will not affect your existing obligations under this Agreement. 
                                                                        6000, Brookings, SD  57006.  6000, Brookings, SD  57006.  6000, Brookings, SD  57006.  obtain Purchases and Cash Advances (but the total of these cannot 
       us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to        will apply payments to amounts owed on your Account based on  will be charged to your Account as a Purchase:   
                                                                                                              exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all 
 18.  18.  18.  Applicable Law. This Agreement is entered into in the State of  Applicable Law. This Agreement is entered into in the State of  Applicable Law. This Agreement is entered into in the State of  occur.  occur.  occur.        applicable law.     14.  Notices. We will send statements and any other notices to you at 
                                                                                                              amounts owed; and (c) can close the Account. 
 South Dakota where the decision to grant credit is made and in  South Dakota where the decision to grant credit is made and in  South Dakota where the decision to grant credit is made and in                Late Fee. If we do not receive a payment from you in at least the  the address shown in our files. If this is a Joint Account, we can 
                                                                        09/11      09/11      09/11      G-13559    G-13559    G-13559     
 which payments will be received. Therefore, this Agreement will  which payments will be received. Therefore, this Agreement will  which payments will be received. Therefore, this Agreement will  Your  Your  Your  Rights  Rights  Rights  and  and  and  Our  Our  Our  Responsibilities  Responsibilities  Responsibilities  After  After  After  We  We  We  Receive  Receive  Receive  Your  Your  Your        If your New Balance is greater than $20.00, then the Minimum  amount of your Minimum Payment Due by the Payment Due Date  notify one of you and the notice will be effective for both of you. 
                                                                                                            3.  Credit Line. Your credit line is shown on the folder containing 
 be governed by the laws of the State of South Dakota without  be governed by the laws of the State of South Dakota without  be governed by the laws of the State of South Dakota without  Written Notice  Written Notice  Written Notice              Payment Due will be the greater of $20.00 or 3% of your total  shown on any Monthly Billing Statement, you may be charged a  Similarly, one of you can notify us and we will consider it to be 
                                                                                                              your Card. Since we may change your credit line from time to 
 giving reference to its conflict of law provisions. If there is any  giving reference to its conflict of law provisions. If there is any  giving reference to its conflict of law provisions. If there is any              outstanding balance, plus any Late Fee, and any amount that  Late Fee equal to the amount of the Minimum Payment Due up to  notice from both of you. You promise to inform us promptly in 
                                                                                                              time, your latest credit line will appear on your monthly billing 
 conflict between any of the terms and conditions of this Agreement  conflict between any of the terms and conditions of this Agreement  conflict between any of the terms and conditions of this Agreement  We  must  acknowledge  your  letter  within  30  days,  unless  we  have  We  must  acknowledge  your  letter  within  30  days,  unless  we  have  We  must  acknowledge  your  letter  within  30  days,  unless  we  have        is delinquent. If the New Balance is less than $20.00 you pay  a maximum of $25.00.  writing of any change in your address. In determining your last 
                                                                                                              statement. You agree not to make any Purchases or obtain any 
 and applicable law, this Agreement will be considered changed to  and applicable law, this Agreement will be considered changed to  and applicable law, this Agreement will be considered changed to  corrected the error by then. Within 90 days, we must either correct the  corrected the error by then. Within 90 days, we must either correct the  corrected the error by then. Within 90 days, we must either correct the              only  the  New  Balance.   When  we  calculate  the  Minimum    known address, we can accept address corrections received from 
                                                                                                              Cash  Advances  that  would  cause  the  unpaid  balance  of  your 
 the extent necessary to comply with the law. The other provisions  the extent necessary to comply with the law. The other provisions  the extent necessary to comply with the law. The other provisions  error or explain why we believe the bill was correct.  error or explain why we believe the bill was correct.  error or explain why we believe the bill was correct.        Payment  Due,  it  will  be  rounded  to  the  next  highest  $5.00  Returned Payment Fee. If you make a payment on your Account  the U.S. Postal Service. 
                                                                                                              Account to exceed your credit line. We may honor Purchases and 
 of the Agreement shall not be affected.  of the Agreement shall not be affected.  of the Agreement shall not be affected.                       increment.                        and your check or other payment instrument is not honored for any   
     Cash Advances in excess of your credit line at our sole discretion.  Cash Advances in excess of your credit line at our sole discretion.  Cash Advances in excess of your credit line at our sole discretion.        reason or cannot be processed, we may charge a Returned Payment  reason or cannot be processed, we may charge a Returned Payment  reason or cannot be processed, we may charge a Returned Payment      After we receive your letter, we cannot try to collect any amount you  Interest Rates and Interest Charges 
      
     If we do this Agreement also applies to that excess and you agree  If we do this Agreement also applies to that excess and you agree  If we do this Agreement also applies to that excess and you agree  Your Account is not in good standing if at any time we do not  Your Account is not in good standing if at any time we do not  Your Account is not in good standing if at any time we do not  Fee equal to the amount of the Minimum Payment Due up to a  Fee equal to the amount of the Minimum Payment Due up to a  Fee equal to the amount of the Minimum Payment Due up to a  15.  Changes in Agreement Terms. We can change any term of this  19.  Binding Effect. This Agreement is binding upon and enforceable  question, or report you as delinquent. We can continue to bill you for the 
 � � � � � �                                                                                                                                                                                                       Annual Percentage 
                                                               th th th
 VISA VISA VISA /MASTERCARD /MASTERCARD /MASTERCARD       to pay the excess immediately if we demand that you do so. You  to pay the excess immediately if we demand that you do so. You  to pay the excess immediately if we demand that you do so. You  receive at least the Minimum Payment Due by the 60 receive at least the Minimum Payment Due by the 60 receive at least the Minimum Payment Due by the 60  day after   day after   day after  maximum of $25.00.    maximum of $25.00.    maximum of $25.00.    Agreement, including the rate at which or manner in which Interest  against your heirs, legal representatives, or successors.  amount you question, including interest charges, and we can apply any  Rate (APR) for  14.9% 
     agree that we may change or cancel your credit line at any time  agree that we may change or cancel your credit line at any time  agree that we may change or cancel your credit line at any time  the Payment Due Date shown on the Monthly Billing Statement.    the Payment Due Date shown on the Monthly Billing Statement.    the Payment Due Date shown on the Monthly Billing Statement.             charges are calculated, at any time upon such notice to you as is    unpaid amount against your credit limit. You do not have to pay any 
 CARDHOLDER AGREEMENT  CARDHOLDER AGREEMENT  CARDHOLDER AGREEMENT                                                                                                                                                  Purchases 
     without affecting your obligation to pay amounts that you owe  without affecting your obligation to pay amounts that you owe  without affecting your obligation to pay amounts that you owe        Account Handling Fee. If you are in default of this Agreement  Account Handling Fee. If you are in default of this Agreement  Account Handling Fee. If you are in default of this Agreement  required by law. At our option, any change will apply both to your  20.  Currency  Conversion  Rate.  If  you  effect  a  transaction  at  a  questioned amount while we are investigating, but you are still obligated 
                                                                                                                                                                                                                   APR for Balance  14.9% 
     under this Agreement.  under this Agreement.  under this Agreement.  9.  9.  9.  INTEREST  INTEREST  INTEREST  CHARGES.  CHARGES.  CHARGES.  Your  Your  Your  Account  Account  Account  is  is  is  subject  subject  subject  to  to  to  the  the  the  and it is necessary for us to place restrictions on your Account, you  and it is necessary for us to place restrictions on your Account, you  and it is necessary for us to place restrictions on your Account, you  new activity and to your outstanding balance when the change is  merchant that settles in a currency other than U.S. dollars, VISA�/  to pay the parts of your bill that are not in question. 
 Please read this agreement carefully and save it for future reference. It  Please read this agreement carefully and save it for future reference. It  Please read this agreement carefully and save it for future reference. It  Transfers 
                                        following interest charges, each of which will be charged to your  following interest charges, each of which will be charged to your  following interest charges, each of which will be charged to your  may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these  may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these  may  be  charged  an  Account  Handling  Fee  of  $25.00.  If  these  effective. If you do not wish to be subject to the change, you must  MasterCard� will convert the charge into a U.S. dollar amount.   
 contains Regulation Z disclosures and your rights in case of errors or  contains Regulation Z disclosures and your rights in case of errors or  contains Regulation Z disclosures and your rights in case of errors or  APR for Cash  14.9% 
   4.  4.  4.  Billing  Statements.  We  will  promptly  send  a  Monthly  Billing  Billing  Statements.  We  will  promptly  send  a  Monthly  Billing  Billing  Statements.  We  will  promptly  send  a  Monthly  Billing  Account as a Purchase:  Account as a Purchase:  Account as a Purchase:  restrictions cause your Card to be retained and returned to us, you  restrictions cause your Card to be retained and returned to us, you  restrictions cause your Card to be retained and returned to us, you  notify us in writing within 25 days of the effective date of the  Visa�/MasterCard� will use its currency conversion procedure,  If we find that we made a mistake on your bill, you will not have to pay 
 inquiries about your bill.  inquiries about your bill.  inquiries about your bill. 
     Statement at the end of each monthly billing cycle if your Account  Statement at the end of each monthly billing cycle if your Account  Statement at the end of each monthly billing cycle if your Account        agree to pay all charges associated with recovering your Card.  agree to pay all charges associated with recovering your Card.  agree to pay all charges associated with recovering your Card.  change and close your Account. Use of the Card after the effective  which is disclosed to institutions that issue the Cards.  Currently  any interest charges related to any questioned amount. If we didn�t make  Advances 
                                                                                                                                                                                                                   How to Avoid  Your due date is at least 25 days after the 
 � � � � � � has a debit or credit balance greater than $1.00. The Monthly  has a debit or credit balance greater than $1.00. The Monthly  has a debit or credit balance greater than $1.00. The Monthly  Periodic  Periodic  Periodic  Interest  Interest  Interest  Charges.  Charges.  Charges.  An  An  An  INTEREST  INTEREST  INTEREST  CHARGE  CHARGE  CHARGE  is  is  is        date of the change is deemed acceptance of the new terms.  the  currency  conversion  rate  used  to  determine  the  transaction  a mistake, you may have to pay interest charges, and you will have to 
 This is the Agreement that covers your VISA This is the Agreement that covers your VISA This is the Agreement that covers your VISA /MasterCard /MasterCard /MasterCard  Cardholder   Cardholder   Cardholder  Billing Statement will show the Previous Balance, Purchases and  Billing Statement will show the Previous Balance, Purchases and  Billing Statement will show the Previous Balance, Purchases and  imposed on Purchases beginning on the date the Purchase is posted  imposed on Purchases beginning on the date the Purchase is posted  imposed on Purchases beginning on the date the Purchase is posted  Reinstatement Fee. If we close your Account due to your default  Reinstatement Fee. If we close your Account due to your default  Reinstatement Fee. If we close your Account due to your default    amount in U.S. dollars for such transactions is generally either a  make up any missed payments on the questioned amount. In either case,  Paying Interest on  close of each billing cycle.  We will not 
 Account with First Bank & Trust (�Account�). In this Agreement, the  Account with First Bank & Trust (�Account�). In this Agreement, the  Account with First Bank & Trust (�Account�). In this Agreement, the  Cash  Cash  Cash  Advances  Advances  Advances  posted  posted  posted  during  during  during  the  the  the  billing  billing  billing  period,  period,  period,  any  any  any  Interest  Interest  Interest  to your Account. No INTEREST CHARGE will be imposed on  to your Account. No INTEREST CHARGE will be imposed on  to your Account. No INTEREST CHARGE will be imposed on  and we later reinstate your Account at your request, you may be a  and we later reinstate your Account at your request, you may be a  and we later reinstate your Account at your request, you may be a    government  mandated  rate  or  a  wholesale  rate  determined  by  we will send you a statement of the amount you owe and the date that it  Purchases  charge you interest on purchases if you pay 
 words �you� and �your� refer to the person who applied for the Account  words �you� and �your� refer to the person who applied for the Account  words �you� and �your� refer to the person who applied for the Account  Charges, and all payments, debits, and credits to your Account  Charges, and all payments, debits, and credits to your Account  Charges, and all payments, debits, and credits to your Account  your Purchases if the Previous Balance shown on your Monthly  your Purchases if the Previous Balance shown on your Monthly  your Purchases if the Previous Balance shown on your Monthly  charged a Reinstatement Fee of $25.00.  charged a Reinstatement Fee of $25.00.  charged a Reinstatement Fee of $25.00.  16.  Arbitration.  �Arbitration� is a means of having an independent  Visa�/MasterCard�  for  the  processing  cycle  in  which  the  is due.  your entire balance by the due date each 
 and any Joint Accountholder, if applicable. �We�, �us�, and �our� refer  and any Joint Accountholder, if applicable. �We�, �us�, and �our� refer  and any Joint Accountholder, if applicable. �We�, �us�, and �our� refer  through the Billing Cycle Closing Date. It will also show, among  through the Billing Cycle Closing Date. It will also show, among  through the Billing Cycle Closing Date. It will also show, among  Billing Statement is zero and you pay your New Balance in full by  Billing Statement is zero and you pay your New Balance in full by  Billing Statement is zero and you pay your New Balance in full by        third party resolve a Dispute. A �Dispute� is any controversy or  transaction is processed.  The currency conversion rate used on the    month. 
 to First Bank & Trust, Brookings, South Dakota.  The word �Card�  to First Bank & Trust, Brookings, South Dakota.  The word �Card�  to First Bank & Trust, Brookings, South Dakota.  The word �Card�  other things, your New Balance, the Minimum Payment Due, and  other things, your New Balance, the Minimum Payment Due, and  other things, your New Balance, the Minimum Payment Due, and  the Payment Due Date shown on your Monthly Billing Statement.  the Payment Due Date shown on your Monthly Billing Statement.  the Payment Due Date shown on your Monthly Billing Statement.  Statement Copy Fee. If you request a copy of a Monthly Billing  Statement Copy Fee. If you request a copy of a Monthly Billing  Statement Copy Fee. If you request a copy of a Monthly Billing  claim of any type or nature between you (or any co-signer, co- processing date may differ from the rate that would have been used  If you fail to pay the amount that we think you owe, we may report you  Minimum Interest  If you are charged interest, the charge will 
 � � � � � � the Payment Due Date (which will be at least 25 days after the  the Payment Due Date (which will be at least 25 days after the  the Payment Due Date (which will be at least 25 days after the  An  An  An  INTEREST  INTEREST  INTEREST  CHARGE  CHARGE  CHARGE  is  is  is  imposed  imposed  imposed  on  on  on  Cash  Cash  Cash  Advances  Advances  Advances  Statement, you may be charged a Statement Copy Fee of $2.50 per  Statement, you may be charged a Statement Copy Fee of $2.50 per  Statement, you may be charged a Statement Copy Fee of $2.50 per  obligor, guarantor, joint user or authorized user) and us or our  on  the  purchase  or  cardholder  statement  posting  date.  as delinquent. However, if our explanation does not satisfy you and you 
 means your VISA means your VISA means your VISA  Card or MasterCard  Card or MasterCard  Card or MasterCard  Card.   Card.   Card.                                                                                Charge     be no less than $.50. 
     Billing Cycle Closing Date).  Billing Cycle Closing Date).  Billing Cycle Closing Date).  beginning on the date they are obtained and continues until the  beginning on the date they are obtained and continues until the  beginning on the date they are obtained and continues until the  page.  page.  page.  employees, officers, directors, attorneys, and other representatives  Visa�/MasterCard�  may  impose  a  1%  Foreign  Currency  write to us within ten days telling us that you still refuse to pay, we must 
                                                                                                                                                                                                                   For Credit Card Tips  To learn more about factors to consider 
                                        balance of your Account is paid in full. There is no time in which  balance of your Account is paid in full. There is no time in which  balance of your Account is paid in full. There is no time in which        and agents, arising out of or in any way relating to this agreement,  Conversion Fee for all transactions completed in a foreign country  tell anyone we report you to that you have a question about your bill. 
 This Agreement is effective when you use the Card or the Account or if  This Agreement is effective when you use the Card or the Account or if  This Agreement is effective when you use the Card or the Account or if  from the Federal  when applying for or using a credit card, 
   5.  5.  5.  Lost or Stolen Card. You may be liable for the unauthorized use  Lost or Stolen Card. You may be liable for the unauthorized use  Lost or Stolen Card. You may be liable for the unauthorized use  you can pay the balance of Cash Advances in order to completely  you can pay the balance of Cash Advances in order to completely  you can pay the balance of Cash Advances in order to completely  11.  11.  11.  Default/Collection Costs. Your Account will be in default and we  Default/Collection Costs. Your Account will be in default and we  Default/Collection Costs. Your Account will be in default and we  including  this  arbitration  agreement.  You  agree  that  this  is  a  with  your  Credit  Card.   In  the  past,  the  Conversion  Fee  was  And, we must tell you the name of anyone we reported you to. We must 
 you fail to cut your Card in half and return it to us within 30 days after  you fail to cut your Card in half and return it to us within 30 days after  you fail to cut your Card in half and return it to us within 30 days after  Reserve Board  visit the website of the Federal Reserve 
     of your Card. You will not be liable for unauthorized use that  of your Card. You will not be liable for unauthorized use that  of your Card. You will not be liable for unauthorized use that  avoid an INTEREST CHARGE.  avoid an INTEREST CHARGE.  avoid an INTEREST CHARGE.  may demand immediate payment of the entire amount you owe us  may demand immediate payment of the entire amount you owe us  may demand immediate payment of the entire amount you owe us  contract  involving  interstate  commerce  which  is  subject  to  the  combined  with  your  total  purchase/transaction  amount  on  your  tell anyone we report you to that the matter has been settled between us 
 the date it is issued to you.  the date it is issued to you.  the date it is issued to you.                                                                                                                                  Board at 
     occurs after you notify us through our agent at 1-800-658-3660  occurs after you notify us through our agent at 1-800-658-3660  occurs after you notify us through our agent at 1-800-658-3660        without giving you prior notice, if: (a) your Minimum Payment  without giving you prior notice, if: (a) your Minimum Payment  without giving you prior notice, if: (a) your Minimum Payment  Federal Arbitration Act and that any Dispute shall be settled by  account statement.  The Conversion Fee will be listed as a separate  when it finally is. 
      
     orally of the loss, theft, or possible unauthorized use. You may  orally of the loss, theft, or possible unauthorized use. You may  orally of the loss, theft, or possible unauthorized use. You may  THE  INTEREST CHARGE is determined  by multiplying the  THE  INTEREST CHARGE is determined  by multiplying the  THE  INTEREST CHARGE is determined  by multiplying the  Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make  Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make  Due  is  not  received  by  the  Payment  Due  Date;  (b)  you  make  binding Arbitration in accordance with the applicable rules and  line item.       http://www.fedralreserve.gov/creditcard. 
 To avoid unauthorized use of your Card, please sign the back of your  To avoid unauthorized use of your Card, please sign the back of your  To avoid unauthorized use of your Card, please sign the back of your 
     also notify us in writing of loss, theft, or possible unauthorized use  also notify us in writing of loss, theft, or possible unauthorized use  also notify us in writing of loss, theft, or possible unauthorized use  Average  Daily  Balance  for  Purchases  and  for  Cash  Advances  Average  Daily  Balance  for  Purchases  and  for  Cash  Advances  Average  Daily  Balance  for  Purchases  and  for  Cash  Advances  Purchases or obtain Cash Advances in excess of your credit line;  Purchases or obtain Cash Advances in excess of your credit line;  Purchases or obtain Cash Advances in excess of your credit line;  procedures  of  the  American  Arbitration  Association  (�AAA�),    If we don�t follow these rules, we can�t collect the first $50.00 of the  Fees 
 Card immediately.  Card immediately.  Card immediately. 
     at CARD PROCESSING CENTER, PO Box 3038, Evansville, IN  at CARD PROCESSING CENTER, PO Box 3038, Evansville, IN  at CARD PROCESSING CENTER, PO Box 3038, Evansville, IN  outstanding  outstanding  outstanding  during  during  during  the  the  the  monthly  monthly  monthly  billing  billing  billing  cycle  cycle  cycle  by  by  by  the  the  the  monthly  monthly  monthly  (c)  (c)  (c)  you  you  you  become  become  become  insolvent  insolvent  insolvent  or  or  or  are  are  are  a  a  a  party  party  party  to  to  to  a  a  a  bankruptcy  bankruptcy  bankruptcy  except as modified herein with the sole exception of collection    questioned amount, even if your bill was correct.  Annual Fee  None 
      
     47730.  47730.  47730.  In  In  In  either  either  either  case,  case,  case,  your  your  your  maximum  maximum  maximum  liability  liability  liability  is  is  is  $50  $50  $50  for  for  for  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  Periodic Rate. The monthly Periodic Rate for Purchases and Cash  proceeding; (d) in the case of an Account with co-obligors where  proceeding; (d) in the case of an Account with co-obligors where  proceeding; (d) in the case of an Account with co-obligors where  actions by us relating to your Account. You and we agree that the  21.  Illegal Transactions. Your Card and Account may be used only    Transaction Fees   
 1.  1.  1.  Using  Using  Using  Your  Your  Your  Card.  Card.  Card.  You  You  You  may  may  may  use  use  use  your  your  your  Card  Card  Card  or  or  or  Account  Account  Account  to  to  to 
     unauthorized charges to your Account made prior to receipt of  unauthorized charges to your Account made prior to receipt of  unauthorized charges to your Account made prior to receipt of  Advances  Advances  Advances  is  is  is  1.24%,  1.24%,  1.24%,  which  which  which  is  is  is  equivalent  equivalent  equivalent  to  to  to  an  an  an  ANNUAL  ANNUAL  ANNUAL  either of you request termination of the other; (e) you or a co- either of you request termination of the other; (e) you or a co- either of you request termination of the other; (e) you or a co- arbitrator has no authority to conduct class-wide proceedings and  for valid and lawful purposes. If you use, or allow someone else to  Special Rule for Credit Card Purchases  Balance Transfer  None 
 purchase or lease goods or services (�Purchases�) to obtain cash  purchase or lease goods or services (�Purchases�) to obtain cash  purchase or lease goods or services (�Purchases�) to obtain cash 
     your oral or written notification.  your oral or written notification.  your oral or written notification.  PERCENTAGE RATE of 14.9%.  PERCENTAGE RATE of 14.9%.  PERCENTAGE RATE of 14.9%.  obligor dies; (f) you provide false information to us, misuse the  obligor dies; (f) you provide false information to us, misuse the  obligor dies; (f) you provide false information to us, misuse the  will be restricted to resolving the individual disputes between the  use your Card and Account for any other purpose you will be   
 loans  loans  loans  (�Cash  (�Cash  (�Cash  Advances�)  Advances�)  Advances�)  from  from  from  any  any  any  financial  financial  financial  institution  institution  institution  that  that  that             Cash Advance  Either $5 or 3% of the 
                                                                          Account or Card or violate any term of this Agreement; (g) any  Account or Card or violate any term of this Agreement; (g) any  Account or Card or violate any term of this Agreement; (g) any  parties. You further agree to waive any claim for punitive damages  responsible for such use and may be required to reimburse us for  If you have a problem with the quality of property or services that you 
 accepts the Card. Any cash equivalents obtained with the Card will  accepts the Card. Any cash equivalents obtained with the Card will  accepts the Card. Any cash equivalents obtained with the Card will                          amount of each cash 
   6.  6.  6.  Promise to Pay. By applying for and obtaining credit on your  Promise to Pay. By applying for and obtaining credit on your  Promise to Pay. By applying for and obtaining credit on your        judgment or lien is filed against you; or (h) we reasonably believe  judgment or lien is filed against you; or (h) we reasonably believe  judgment or lien is filed against you; or (h) we reasonably believe  to the extent permitted by law. The arbitrator otherwise has the  all amounts or expenses we pay as a result of such use.  purchased with a credit card, and you have tried in good faith to correct 
 also be treated as Cash Advances. Cash equivalent transactions  also be treated as Cash Advances. Cash equivalent transactions  also be treated as Cash Advances. Cash equivalent transactions                                      advance, whichever is 
     Account, you agree jointly and severally, if more than one person  Account, you agree jointly and severally, if more than one person  Account, you agree jointly and severally, if more than one person  The Average Daily Balance is computed by taking the beginning  The Average Daily Balance is computed by taking the beginning  The Average Daily Balance is computed by taking the beginning  that your ability to repay your obligations to us has been materially  that your ability to repay your obligations to us has been materially  that your ability to repay your obligations to us has been materially  ability to award all remedies otherwise available by statute, at law    the problem with the merchant, you may have the right not to pay the 
 include  include  include  but  but  but  are  are  are  not  not  not  limited  limited  limited  to  to  to  wire  wire  wire  transfers,  transfers,  transfers,  money  money  money  orders  orders  orders                    greater. 
     applies for the Account, to be obligated and pay for all credit  applies for the Account, to be obligated and pay for all credit  applies for the Account, to be obligated and pay for all credit  balance of your Account on each day, calculated separately for  balance of your Account on each day, calculated separately for  balance of your Account on each day, calculated separately for  impaired. We shall also have the right to all remedies provided by  impaired. We shall also have the right to all remedies provided by  impaired. We shall also have the right to all remedies provided by  or  in  equity  to  the  prevailing  party  including  the  recovery  of  YOUR BILLING RIGHTS    remaining  amount  due  on  the  property  or  services.  There  are  two 
 travelers  travelers  travelers  checques,  checques,  checques,  tax  tax  tax  payments,  payments,  payments,  gold  gold  gold  bullion  bullion  bullion  purchase,  purchase,  purchase,  and  and  and     Penalty Fees       
     obtained on your Account by you or any person you authorize to  obtained on your Account by you or any person you authorize to  obtained on your Account by you or any person you authorize to  Purchases and Cash Advances, adding new Purchases and Cash  Purchases and Cash Advances, adding new Purchases and Cash  Purchases and Cash Advances, adding new Purchases and Cash  law  including,  without  limitation,  closing  or  refusing  to  renew  law  including,  without  limitation,  closing  or  refusing  to  renew  law  including,  without  limitation,  closing  or  refusing  to  renew  reasonable  attorneys�  fees  and  the  costs  of  arbitration,  as  KEEP THIS NOTICE FOR FUTURE USE  limitations on this right: 
 gamming  gamming  gamming  transactions  transactions  transactions  or  or  or  services.   services.   services.   If  If  If  you  you  you  use  use  use  your  your  your  Card  Card  Card  or  or  or          Late Payment  Up to $25 
     use your Card, as well as our interest charges and any other fees  use your Card, as well as our interest charges and any other fees  use your Card, as well as our interest charges and any other fees  Advances and subtracting any payments and credits. Any resulting  Advances and subtracting any payments and credits. Any resulting  Advances and subtracting any payments and credits. Any resulting  your Account and demanding return of your Card(s).  If we refer  your Account and demanding return of your Card(s).  If we refer  your Account and demanding return of your Card(s).  If we refer  determined by the arbitrator. Judgment upon the award rendered     
 Account,  Account,  Account,  you  you  you  agree  agree  agree  to  to  to  us  us  us  paying  paying  paying  the  the  the  amount  amount  amount  owed  owed  owed  to  to  to  each  each  each                             Up to $25 
     imposed by us, as provided for in the Agreement. You agree to pay  imposed by us, as provided for in the Agreement. You agree to pay  imposed by us, as provided for in the Agreement. You agree to pay  credit balance is treated as a zero ($0.00) balance. This gives us the  credit balance is treated as a zero ($0.00) balance. This gives us the  credit balance is treated as a zero ($0.00) balance. This gives us the  your  your  your  Account  Account  Account  for  for  for  collections  collections  collections  to  to  to  an  an  an  attorney  attorney  attorney  who  who  who  is  is  is  not  not  not  our  our  our  by an arbitrator may be entered in any court having jurisdiction  This notice contains important information about your rights and our  (a)   You must have made the Purchase in your home state or, if not  Returned Payment 
 merchant or financial institution which honored your Card.   merchant or financial institution which honored your Card.   merchant or financial institution which honored your Card.  
     us only in U.S. Dollars drawn on U/S/ financial institutions.  us only in U.S. Dollars drawn on U/S/ financial institutions.  us only in U.S. Dollars drawn on U/S/ financial institutions.  daily  balance.  The  daily  balances  are  then  added  together  and  daily  balance.  The  daily  balances  are  then  added  together  and  daily  balance.  The  daily  balances  are  then  added  together  and  regularly salaried employee, you agree to pay the reasonable fees  regularly salaried employee, you agree to pay the reasonable fees  regularly salaried employee, you agree to pay the reasonable fees  thereof. YOU UNDERSTAND THAT YOU WILL NOT HAVE  responsibilities under the Fair Credit Billing Act.  within your home state, within 100 miles of your current mailing   
      
                                        divided  by  the  number  of  days  in  the  billing  cycle  to  get  the  divided  by  the  number  of  days  in  the  billing  cycle  to  get  the  divided  by  the  number  of  days  in  the  billing  cycle  to  get  the  of such attorney and, whether or not an attorney is retained, all  of such attorney and, whether or not an attorney is retained, all  of such attorney and, whether or not an attorney is retained, all  THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL,    address; and  Other Fees   
 If you give your Account number to make a purchase or obtain a  If you give your Account number to make a purchase or obtain a  If you give your Account number to make a purchase or obtain a 
   7.  7.  7.  Irregular Payment and Delay in Enforcement, Waivers and  Irregular Payment and Delay in Enforcement, Waivers and  Irregular Payment and Delay in Enforcement, Waivers and  Average Daily Balance.  Average Daily Balance.  Average Daily Balance.  court and other collection costs (including any amounts actually  court and other collection costs (including any amounts actually  court and other collection costs (including any amounts actually  TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT  Notify Us In Case of Errors or Questions About Your Bill  (b)  The Purchase price must have been more than $50.00.  Account Handling Fee  $25-If it is necessary to 
 Cash Advance without presenting your Card (such as for a mail  Cash Advance without presenting your Card (such as for a mail  Cash Advance without presenting your Card (such as for a mail 
     Releases. We can accept late payments, partial payments, checks  Releases. We can accept late payments, partial payments, checks  Releases. We can accept late payments, partial payments, checks        incurred by us in recovering your Cards(s)).   incurred by us in recovering your Cards(s)).   incurred by us in recovering your Cards(s)).   AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO      place restrictions on account 
 order, telephone, or Internet purchase), the legal effect will be the  order, telephone, or Internet purchase), the legal effect will be the  order, telephone, or Internet purchase), the legal effect will be the     
     and money orders marked �paid in full� or language having the  and money orders marked �paid in full� or language having the  and money orders marked �paid in full� or language having the  Minimum Interest Charge. The minimum Periodic INTEREST  Minimum Interest Charge. The minimum Periodic INTEREST  Minimum Interest Charge. The minimum Periodic INTEREST        PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF  If you think your bill is wrong, or if you need more information about a  These limitations do not apply if we own or operate the merchant, or if 
 same as if the Card itself was used by you.  same as if the Card itself was used by you.  same as if the Card itself was used by you.                                                                                  Statement Copy Fee  $2.50 per page 
     same effect without losing any of our rights under this Agreement.  same effect without losing any of our rights under this Agreement.  same effect without losing any of our rights under this Agreement.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  CHARGE each billing cycle, based on the Periodic Rate, is $.50.  12.  12.  12.  Refusals to Honor Card. We are not responsible for refusals to  Refusals to Honor Card. We are not responsible for refusals to  Refusals to Honor Card. We are not responsible for refusals to  ANY  CLASS  OF  CLAIMANTS  PERTAINING  TO  ANY  transaction on your bill, write us [on a separate sheet] at the address  we mailed you the advertisement for the property or services. 
                                                                                                                                                                                                                        Reinstatement Fee  $25 
     We can also delay enforcing our rights under this Agreement any  We can also delay enforcing our rights under this Agreement any  We can also delay enforcing our rights under this Agreement any        honor your Card. And, except as otherwise required by law or  honor your Card. And, except as otherwise required by law or  honor your Card. And, except as otherwise required by law or  DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF  listed on your bill. Write to us as soon as possible. We must hear from   
 If we, at our option, give you a Personal Identification Number  If we, at our option, give you a Personal Identification Number  If we, at our option, give you a Personal Identification Number                      Lost/Stolen  $5 
     number  of  times  without  losing  them  and  can  waive  or  delay  number  of  times  without  losing  them  and  can  waive  or  delay  number  of  times  without  losing  them  and  can  waive  or  delay  Cash Advance Fee. In addition to the INTEREST CHARGE on  Cash Advance Fee. In addition to the INTEREST CHARGE on  Cash Advance Fee. In addition to the INTEREST CHARGE on  regulations, we will not be responsible for merchandise or services  regulations, we will not be responsible for merchandise or services  regulations, we will not be responsible for merchandise or services  YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN  you no later than 60 days after we sent you the first bill on which the   
 (PIN), you may use your Card to obtain a Cash Advance from any  (PIN), you may use your Card to obtain a Cash Advance from any  (PIN), you may use your Card to obtain a Cash Advance from any 
 � � � enforcing a right against one of you without waiving or delaying it  enforcing a right against one of you without waiving or delaying it  enforcing a right against one of you without waiving or delaying it  Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  Cash  Advances  calculated  by  application  of  the  Periodic  Rate,  purchased through use of your Card.  purchased through use of your Card.  purchased through use of your Card.  ARBITRATION. If any portion of this Arbitration Agreement is  error or problem appeared. You can telephone us, but doing so will not    Replacement Card Fee 
 Automated  Automated  Automated  Teller  Teller  Teller  Machine  Machine  Machine  (ATM)  (ATM)  (ATM)  that  that  that  bears  bears  bears  the  the  the  VISA VISA VISA ,  ,  ,  as to the other.  No waiver by us of any default shall be effective  as to the other.  No waiver by us of any default shall be effective  as to the other.  No waiver by us of any default shall be effective  there  there  there  is  is  is  a  a  a  INTEREST  INTEREST  INTEREST  CHARGE  CHARGE  CHARGE  of  of  of  3%  3%  3%  (minimum  (minimum  (minimum  $5.00),  $5.00),  $5.00),        subsequently  deemed  unenforceable,  the  enforceability  of  any  preserve your rights.     
 � � � � � �
 MasterCard MasterCard MasterCard ,  ,  or  ,  or  or  CIRRUS CIRRUS CIRRUS     logo.    logo.  logo.  All  All  All  ATM  ATM  ATM  transactions  transactions  transactions  are  are  are  unless  in  writing  nor  operate  as  a  waiver  of  any  other  future  unless  in  writing  nor  operate  as  a  waiver  of  any  other  future  unless  in  writing  nor  operate  as  a  waiver  of  any  other  future  whichever  whichever  whichever  is  is  is  greater,  greater,  greater,  for  for  for  each  each  each  Cash  Cash  Cash  Advance  Advance  Advance  posted  posted  posted  to  to  to  your  your  your  13.  13.  13.  Termination.  Termination.  Termination.  We  We  We  may  may  may  terminate  terminate  terminate  your  your  your  privileges  privileges  privileges  under  under  under  the  the  the  other provision of this Arbitration Agreement shall not be affected      How We Will Calculate Your Balance: We use a method called 
     default. We can release any one of you in whole or in part without  default. We can release any one of you in whole or in part without  default. We can release any one of you in whole or in part without  Account that month.  Account that month.  Account that month.  Agreement or cancel or limit your privileges to make Purchases or  Agreement or cancel or limit your privileges to make Purchases or  Agreement or cancel or limit your privileges to make Purchases or  and  the  unenforceable  term  shall  be  amended  such  that  it  is  In your letter, give us the following information:    �average daily balance (including new purchases).� 
 treated under terms of this Agreement the same as Cash Advances.  treated under terms of this Agreement the same as Cash Advances.  treated under terms of this Agreement the same as Cash Advances. 
     affecting your obligation under this Agreement.  affecting your obligation under this Agreement.  affecting your obligation under this Agreement.        obtain Cash Advances at any time, with or without cause, without  obtain Cash Advances at any time, with or without cause, without  obtain Cash Advances at any time, with or without cause, without  enforceable to the maximum extent permitted by law. 
 We have the right to restrict your access to any qualified ATM at  We have the right to restrict your access to any qualified ATM at  We have the right to restrict your access to any qualified ATM at  �  Your name and account number.     
                                        Replacement Card Fee. If at any time you request a replacement  Replacement Card Fee. If at any time you request a replacement  Replacement Card Fee. If at any time you request a replacement  notice or liability. If we ask, you must return your Card(s) to us,  notice or liability. If we ask, you must return your Card(s) to us,  notice or liability. If we ask, you must return your Card(s) to us,    �  The dollar amount of the suspected error.   
 any time. You should not keep your PIN with your Card. If you  any time. You should not keep your PIN with your Card. If you  any time. You should not keep your PIN with your Card. If you                       Billing Rights: Information on your rights to dispute transactions 
   8.  8.  8.  Minimum  Minimum  Minimum  Payments.  Payments.  Payments.  You  You  You  may  may  may  pay  pay  pay  your  New  Balance  your  New  Balance  your  New  Balance  each  each  each  credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  credit  card  due  to  loss,  damage,  theft,  or  destruction  of  your  cut in half. You agree that you will not try to make any Purchases  cut in half. You agree that you will not try to make any Purchases  cut in half. You agree that you will not try to make any Purchases  17.  Venue  and  Jurisdiction.  You  consent  to  be  subject  to  the   
 believe that anyone has gained unauthorized access to your PIN,  believe that anyone has gained unauthorized access to your PIN,  believe that anyone has gained unauthorized access to your PIN,  �  Describe the error and explain, if you can, why you believe there  and how to exercise those rights is provided in your account 
     month, or you may pay in monthly installments. If you decide to  month, or you may pay in monthly installments. If you decide to  month, or you may pay in monthly installments. If you decide to  current credit card, you may be charged a Replacement Card Fee  current credit card, you may be charged a Replacement Card Fee  current credit card, you may be charged a Replacement Card Fee  or obtain Cash Advances after you have been notified that your  or obtain Cash Advances after you have been notified that your  or obtain Cash Advances after you have been notified that your  jurisdiction and venue of the Circuit Court for the Third Judicial  is an error. If you need more information describe the item you   
 you should advise us immediately, following the procedures under  you should advise us immediately, following the procedures under  you should advise us immediately, following the procedures under              agreement 
     pay in monthly installments, you must pay at least the Minimum  pay in monthly installments, you must pay at least the Minimum  pay in monthly installments, you must pay at least the Minimum  of $5.00. No replacement Card will be allowed on the third lost or  of $5.00. No replacement Card will be allowed on the third lost or  of $5.00. No replacement Card will be allowed on the third lost or  privileges  to  use  your  Account  have  been  canceled.  You  may  privileges  to  use  your  Account  have  been  canceled.  You  may  privileges  to  use  your  Account  have  been  canceled.  You  may  Circuit, State of South Dakota, and agree that such court shall be 
 the heading �Lost or Stolen Card.�  the heading �Lost or Stolen Card.�  the heading �Lost or Stolen Card.�                                      are not sure about.              
                                                                                                                                                                                                                   The information about costs of the card described in this application 
     Payment Due shown on your Monthly Billing Statement by the  Payment Due shown on your Monthly Billing Statement by the  Payment Due shown on your Monthly Billing Statement by the  stolen Card. This fee is an INTEREST CHARGE.  stolen Card. This fee is an INTEREST CHARGE.  stolen Card. This fee is an INTEREST CHARGE.  cancel  cancel  cancel  this  this  this  Agreement  Agreement  Agreement  by  by  by  returning  returning  returning  all  all  all  Cards  Cards  Cards  issued  issued  issued  on  on  on  your  your  your  the sole and exclusive jurisdiction and venue of all court actions of 
                                                                                                                                              If you have authorized us to pay your credit card bill automatically from   
                                                                                                                                                                                                                   is accurate as of  9/11.  The information may have changed after this 
     Payment  Payment  Payment  Due  Due  Due  Date.  Date.  Date.  You  You  You  may  may  may  pay  pay  pay  more  more  more  than  than  than  the  the  the  Minimum  Minimum  Minimum        Account to us, cut in half. Your or our termination or cancellation  Account to us, cut in half. Your or our termination or cancellation  Account to us, cut in half. Your or our termination or cancellation  disputes or claims arising from or relating to this Agreement or the   
 2.  2.  2.  Joint Account. If this is a Joint Account, each person (a) may  Joint Account. If this is a Joint Account, each person (a) may  Joint Account. If this is a Joint Account, each person (a) may  your savings or checking account, you can stop the payment on any  date.  To find out what may have changed, write us at: PO Box 
     Payment Due and may at any time pay your total balance due. We  Payment Due and may at any time pay your total balance due. We  Payment Due and may at any time pay your total balance due. We  10.  10.  10.  Fees. Your Account is subject to the following fees, each of which  Fees. Your Account is subject to the following fees, each of which  Fees. Your Account is subject to the following fees, each of which  will not affect your existing obligations under this Agreement.  will not affect your existing obligations under this Agreement.  will not affect your existing obligations under this Agreement.  Account relationship.   
 obtain Purchases and Cash Advances (but the total of these cannot  obtain Purchases and Cash Advances (but the total of these cannot  obtain Purchases and Cash Advances (but the total of these cannot  amount you think is wrong. To stop the payment your letter must reach 
                                                                                                                                                                                                                   6000, Brookings, SD  57006. 
     will apply payments to amounts owed on your Account based on  will apply payments to amounts owed on your Account based on  will apply payments to amounts owed on your Account based on  will be charged to your Account as a Purchase:  will be charged to your Account as a Purchase:  will be charged to your Account as a Purchase:          us three business days before the automatic payment is scheduled to   
 exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all  exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all  exceed  the  credit  line);  (b)  will  be  responsible  for  paying  all   
     applicable law.   applicable law.   applicable law.                14.  14.  14.  Notices. We will send statements and any other notices to you at  Notices. We will send statements and any other notices to you at  Notices. We will send statements and any other notices to you at  18.  Applicable Law. This Agreement is entered into in the State of   
 amounts owed; and (c) can close the Account.  amounts owed; and (c) can close the Account.  amounts owed; and (c) can close the Account.     occur. 
                                                                                                                                                                                                                    
                                        Late Fee. If we do not receive a payment from you in at least the  Late Fee. If we do not receive a payment from you in at least the  Late Fee. If we do not receive a payment from you in at least the  the address shown in our files. If this is a Joint Account, we can  the address shown in our files. If this is a Joint Account, we can  the address shown in our files. If this is a Joint Account, we can  South Dakota where the decision to grant credit is made and in   
                                                                                                                                               
                                                                                                                                                                                                                   09/11                     G-13559   
     If your New Balance is greater than $20.00, then the Minimum  If your New Balance is greater than $20.00, then the Minimum  If your New Balance is greater than $20.00, then the Minimum  amount of your Minimum Payment Due by the Payment Due Date  amount of your Minimum Payment Due by the Payment Due Date  amount of your Minimum Payment Due by the Payment Due Date  notify one of you and the notice will be effective for both of you.  notify one of you and the notice will be effective for both of you.  notify one of you and the notice will be effective for both of you.  which payments will be received. Therefore, this Agreement will   
 3.  3.  3.  Credit Line. Your credit line is shown on the folder containing  Credit Line. Your credit line is shown on the folder containing  Credit Line. Your credit line is shown on the folder containing  Your  Rights  and  Our  Responsibilities  After  We  Receive  Your 
     Payment Due will be the greater of $20.00 or 3% of your total  Payment Due will be the greater of $20.00 or 3% of your total  Payment Due will be the greater of $20.00 or 3% of your total  shown on any Monthly Billing Statement, you may be charged a  shown on any Monthly Billing Statement, you may be charged a  shown on any Monthly Billing Statement, you may be charged a  Similarly, one of you can notify us and we will consider it to be  Similarly, one of you can notify us and we will consider it to be  Similarly, one of you can notify us and we will consider it to be  be governed by the laws of the State of South Dakota without  Written Notice     
 your Card. Since we may change your credit line from time to  your Card. Since we may change your credit line from time to  your Card. Since we may change your credit line from time to 
     outstanding balance, plus any Late Fee, and any amount that  outstanding balance, plus any Late Fee, and any amount that  outstanding balance, plus any Late Fee, and any amount that  Late Fee equal to the amount of the Minimum Payment Due up to  Late Fee equal to the amount of the Minimum Payment Due up to  Late Fee equal to the amount of the Minimum Payment Due up to  notice from both of you. You promise to inform us promptly in  notice from both of you. You promise to inform us promptly in  notice from both of you. You promise to inform us promptly in  giving reference to its conflict of law provisions. If there is any   
 time, your latest credit line will appear on your monthly billing  time, your latest credit line will appear on your monthly billing  time, your latest credit line will appear on your monthly billing            
     is delinquent. If the New Balance is less than $20.00 you pay  is delinquent. If the New Balance is less than $20.00 you pay  is delinquent. If the New Balance is less than $20.00 you pay  a maximum of $25.00.  a maximum of $25.00.  a maximum of $25.00.  writing of any change in your address. In determining your last  writing of any change in your address. In determining your last  writing of any change in your address. In determining your last  conflict between any of the terms and conditions of this Agreement  We  must  acknowledge  your  letter  within  30  days,  unless  we  have   
 statement. You agree not to make any Purchases or obtain any  statement. You agree not to make any Purchases or obtain any  statement. You agree not to make any Purchases or obtain any 
     only  the  New  Balance.   When  we  calculate  the  only  the  New  Balance.   When  we  calculate  the  only  the  New  Balance.   When  we  calculate  the  Minimum  Minimum  Minimum        known address, we can accept address corrections received from  known address, we can accept address corrections received from  known address, we can accept address corrections received from  and applicable law, this Agreement will be considered changed to   
 Cash  Advances  that  would  cause  the  unpaid  balance  of  your  Cash  Advances  that  would  cause  the  unpaid  balance  of  your  Cash  Advances  that  would  cause  the  unpaid  balance  of  your  corrected the error by then. Within 90 days, we must either correct the   
     Payment  Due,  it  will  be  rounded  to  the  next  highest  $5.00  Payment  Due,  it  will  be  rounded  to  the  next  highest  $5.00  Payment  Due,  it  will  be  rounded  to  the  next  highest  $5.00  Returned Payment Fee. If you make a payment on your Account  Returned Payment Fee. If you make a payment on your Account  Returned Payment Fee. If you make a payment on your Account  the U.S. Postal Service.  the U.S. Postal Service.  the U.S. Postal Service.  the extent necessary to comply with the law. The other provisions   
 Account to exceed your credit line. We may honor Purchases and  Account to exceed your credit line. We may honor Purchases and  Account to exceed your credit line. We may honor Purchases and  error or explain why we believe the bill was correct. 
     increment.  increment.  increment.  and your check or other payment instrument is not honored for any  and your check or other payment instrument is not honored for any  and your check or other payment instrument is not honored for any        of the Agreement shall not be affected.