2 "FEDERAL CREDIT APPLICATION |. eo When nyou use the. oe BoE ": INSURANCE DISCLOSURE " ele ESS a Fost e i =o 8 inniade Bank affers.a Group Credit Card brsurance Prdgeam: This prtgram gues ‘offered and underwritten by Central States Health anid Life Co, ofOmaha ° ‘and Central States Indemnity Co: Of Omaha, bath of Omaha, Nebraska. You.   "are Not fequired ta purchase the Payment Protection Pla fem the banker ‘affiliates not are you prohibited from purchasing i insurance elsewhere ; . ; receive.an extension of crest from the bank, oe Visa Credit Card for the purchase : Bs oe . of goods or. services, the following —_ can : benef inst FEDERAL SALE OF INSURANCE ts are yours — DISCLOSURE ADVANTAGE- TRAVEL ~   afoLygaVURG Aged Ef gget egy lena] Eft] Ufonnff el pal gf tang fH] MEY       th ir Protection PI F f teed by the bank, ~' Travel Reservation Service ww ie ayment rotection Planis dot a'deposit of ar guarantee by ¢ ban oop cig = = “the FDIC ar any ather agency ofthe United States,” onus Travel Dividends <{ E = Concierge Services a Ss fo By signing, acknowledge that! have received copy ofboth (Federal + Automobile Rental insurance’ : Credit Ajpliction Insurance and Federat Sale of insurance) disclosures + Aute Rental Discount > on today’s date. Unless this disclosure is provided electranically orl have ; Medical Assistance Services 1s) % ‘. applied for-credit by mail, [alse acknowledge that this disdasure has been cn aia Osi% al : wvited orally. + Travel Protection LU= | & 2 ; - Lost Luggage Lacator Service m Fs a 9 : - Lost or Damaged Liqgage lnsurarice ne z . 8 i can + Hotel-Motel Syrglary insurance: |g 28 iy 1 Individually ~ Date + Payment Card Registration” Ls} 2 acZ “Y co + Quarter Newsletter ©. Zia wez A . _ . : Haiz ano dndividually Date ~_ Key Registration sj) a Ses : g 2 2 3 a = ‘This Visa® Card may net be used fer any illegal transaction. TRAVEL ACCIDENT INSURANCE : 2 b Zod no : You, your spouse and dependent ctildren up ta aye 19 fage 25 ita Miz} 9 oan A fee may be impased by an ATM operatar not holding the consumer's     full-time student at any institute of higher learning] are automaticaly . account, of by any national, regienal arlacal network used te camplete the covered with camman cation travel 3 deeidentin suran ce every Lime you ; _ Mansaction, travel by air, bus, tain, ship, taxd, or any athet common carrier anywhere NO ANNUAL FEE oO Multi-Cunency Conversion Rates : inthe world when you charge your entire: fare fo ourT cat This coverage” Vi sa ® cl as si c : [Fou effect a transaction with your Visa® card ina currency ather than ; : isprovided toyou at NO EXTRA COST. : 45, Dollars, Visa® wall convert the charge into a U.S. Dollar amount. This CREDIT INS URANCE: rate may differ from day to day. A 1.0% Fee's assessed on international ur Credit Insurance program can pratect your catd, your family, and th my transactions when a currency corwersian accurs This fee is unchanged. your credit rating when you may need it mast duie to snexpected events. = P| n n acle B ank Visa will alse impose a fee on foreign transactions where a currency \F Namrbat FDIC Conversion is not performed. Scena                                                                                                        Interest Ratas and Interest Charges Visa i CREDIT APPLICATION papniaek Account Choice: oem ‘ it bent co-applicant and signalures secti Annuel Percentage Rate (APR} for Purch 15.96% ce, sis obestiagnecne ‘Anual Percentage Rate OF Purenases , . . : IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: fs fight of eer reoney APR may vary with the market based on the Prime Rate. : f i oh peroa wh : pea Bec tis rare oY Hes ou pn eon Wo oe address, date of beth, and other : inexraton hal wl sos ides yur Weray lo ask to See ton tees heres o oherderohig documents. APR for Balance Transfers NIA ' Test Name Fist ade ‘Social Security Number 15.96% : Datel ah Wa of Dependents Home Phone Cal Gen Rent Other 1 Monthy Payment § APR for Cash Advances APR may vary with the market bases on the Prime Rete. on | C1 ao 4 : Curent Address i Penalty APR and When it Applies Hone :y; po ow Sale Ap Coee How loa Gs) : &g LK : - Your due date is at feast 25 days afler the close of each billing cycle. We wil not charge : 24 | Mae Rees (facet om aes bal Sue 2p Code How Long 73} Paying Interest you interest on retail purchases if you pay your entire balance by the due date. We will : a Le bagi. charging interest on cash advances on the transaction date, We do sot offer balance | | zi Pranfous Adder (ifléss than 2 years al present address} City Sae ZipCode How Long {yrs} transfers. : | See Le ae 1 | SUES | Empoyer ‘Set Employed Ef Employed Minimum interest Charge None too i - Yes CrNe ey we oe | | tee IO . To learn more about factors 10 consider when applying for or using a credit card, visit the i) VES. , rato Marihly Goss acome$ For Credit Card Tips from the Federat Reserve Board | Joh site of the Federal Reserve Board at hitp:thwww.federalreserve.qovicreditcard: : a qo ne ae : F Namveand Add (ess than 2 yoars al preset erie) How Long {yr3) aE Source of Aeon Foon ime a diy, _ chad suppor or separate Amount per Month $ wed 7 Reed pot nts Annual Fee None, : , Neagest Relative (Not Living With You) om nere Relatonship } Transaction Fees Test hare Farsi Tedaie Socal Senanty Humber * Balance Transfer None i Date of Barth No. of Dependents Home Phone: Cel Own “Rent Other | Monthly Payment § : | ed } C) a 0 @ + Cash Advances None 3 Curent dees oy Sate | FpCade How ange » | Dee : | Bee + Foreign Transaction 4.0% of each transaction in U.S. Dollars. : 223 Previous Aedes (if less than 2 years ot present accress} oy Sete Te Cote How Long tre} : gk Employer Set Employed ‘Work Phone Bate Employed Ponalty Fees : Sa Ces G No C4 : Address PositonyOocupation Monthly Gross Income $ « Late Payment Up to $20.00 : [Bp [Bene ars ess of ear Tate ender Which Aocoul Cane ‘Recount Number Balsnce Tonthy Payment » Overthe-Credit-Limit None 2H ‘Hone Mengngoniet 1 | 382 [2 Bank Cred Candfiank Name and Address + Retumed Payment None : we ! [7a PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING. is gamers wired to chlain cred and we certty that al information herem i tue and completa. Unite agree Other Fees : HO | inquiries may be made to very intgemation and that ced relerences of verification may be given based on wquires Eom other partes. This offer subject to the credit poles of this institution, VWe : J tee fo be ound by te lente ond ol the candivider agreement a copy of wi Url be mated i the sppticant d tis applcaton is granted necelpt of such agreement and ance | & | degemyes emacs utemsstintn thisana tanta aracases a keane tear + LostDamaged Fee $20.00 ‘| Bly x : ie Scant Sea Sate So-AeplconiSenaire Dai + Phone nt f $10.06 per occurrence if processed with a live representative. No charge if processed : >y Visa Accoun! Ne Payment fee __| through the automated system. : «3 Fa _ “The prime rate used 1 dering your APRs the rat published ni Tre Wel Sue Joummal onthe ‘ist day of the prior month. The annual pementage rate may vary Apa Tor Oclober 1 + [te Bl ag Date Approved Credit Line ‘Approved By Verable (ate determined by adding 16.00% to the prime rale. : Le How We Will Calculate Your Balance: We use a :     method called “average daily balance” {including new purchases].* See your account openin disclosures lor more delaits, Billing Rights: information on your rights to dispute transactions and how to exercise those “ighist fa scectmt $ ls 1s provided in your account agreement                   Pinnacle Bank, Papillion, NE 6SN6 FOLD AND SECURE WITH TAPE FOR MAILING AN contents are accurate ut the tind of printing, for changes that may have heen made ajter printing please call (890) 369-7283, Application O2009 FIS*OLI2    HTS: KEEP THIS DOCUMENT FOR FUTURE USE, This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT {f you think thera is an ezrer on your statement, write to us at the address shown on your monthly billing statement. in your letter, give us the following information: . ion: Your name and account number. * Dollar Amount: The dollar amount of the suspected error, . ipti : IFyou think there is an error on your bill, describe what you believe is wrong and why you believe it ts a mistake. ‘You must contact us: = Within 40 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong, ‘You must notify us of any potential errors in writing (or electronically), You may cali us, but if you lo, We are Not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things: 1. Within 30 days after receiving your letter, we must tell you that we received your letter, We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While wa investigate whether or not there has been an error: * We cannot try to collect the amaunt in question, or report you as delinquent on that amount * The charge in question may remain on your statement, and we may continue to charge you interest on that amount. * While you do net have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things wil! happen: . i : You will not have to pay the amount in question or any interest ar other fees related to that amount. * i af i : You will have to pay the amount in question. along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you da not pay the amount wa think you owe. If you receive our explanation but still believe your bill is wang, you must write to us within 10 days telling us that you still refuse to pay. If you do-so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. Hf we do not follow all of the rules above, you do nat have to pay the first $50 of the amount in question, even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the marchant, you may have the right nat te pay the remaining amount due on the purchase. To use this nght, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have bean more than 450. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, of ifwe own the company that sold you the goods or services.) 2. You must have used your credit card far the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in waiting (or electronically} at the address shown on your monthly billing statement. While we investigate, the same rules apply to the disouted amount as discussed above, After we finisk our investigation, we will tell you our decision. At that paint, if we think you owe an amount and you de nat pay, we may report you as delinquent.         O183-PINNBOC REV. 12.11 07.11_CREDITCARD_AGREEMENT     PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies ta you and to all eligible users of your card(s). Kt is effective on the date your card is activated and terminates on the date of expiration shawn on your card. Your signature on the credit card application means that you have read and agree to the terms of this Agreement. You acknowledge receipt of a copy of this Agreement. A. WORDS OFTEN USED IN THIS AGREEMENT In this Agreement, “We,” "Us," and “Our” mean Pinnacle Bank/ Bank of Colorado. “You” and “Your” mean each person who signs an application for, or otherwise requests, a credit card account with us. “Account” means your credit card account with us. “Card" means each credit card we issue to yau for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account or let someone else use it, you promise to pay the total amount of the transaction as well as any interest or fees that may be due. All amounts owed must be paid in United States dollars, You promise to do everything this Agreement requires of you. You will be legally bound by this Agreement if you sign an application to obtain credit from us, or if you sign a charge slip, or if you use or permit someone else to use the card. If the Accountis a joint Account, you and the joint Account holder each will be bound by this Agreement and each of you will be jointly and individually responsible for repaying all amounts due under this Agreement. Any authorized user of your Account will, by such use of the Account, be bound by the terms of this Agreement. If you want to cancel the authorized or permitted use of your Account by another person, you may either write us at the address or cail us at the telephone number shown on your Statement. You understand and agree that we will be unable to determine whether any particular transaction on your Account has been conducted by you, your joint Account holder or the authorized user or if the transaction by the authorized user was indeed authorized by you or made for your benefit. If you fail to comply with any of the terms of this Agreement, we may declare all amounts you owe to be immediately due and payable, prohibit further transactions on your Account, cancel the card(s) and revoke any privileges associated with your Account.  C. HOW YOUR CARD MAY BE USED Your card may be used at any place where credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also telf us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up to $50.00) for purchases made by anyone who used the card without your permission, D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Finance Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us and is shown on your billing Statement. F. INTEREST At the end af each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annual Percentage Rate (APR) is shown on the Credit Card Application. G. GOVERNING LAW This Agreement is governed by laws of the state in which our main office is located, and applicable federal law. This is the law we are speaking of when we refer to a term permitted or required by applicable law.       H. FEES ; Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the attached Credit Application. By executing the Application you agree to.pay them when applicable. |. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without fosing them. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform with applicable law. All disputes conceming this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. J. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. K. CHANGE IN TERMS OF YOUR ACCOUNT We can change or add to any terms of your Account at any time. We do not guarantee that the fees and the Annual Percentage Rates (APRs) on your Account are for any particular length of time. Future changes will be made in accordance with this Agreement and applicable law. We will provide you with such notice as is required by applicable law. You may cancel your card without penalty if you de not accept such changes, and you may pay off the existing balance uncer the account terms in place at time of cancellation. L. CHANGE OF NAME, ADDRESS OR TELEPHONE NUMBER(S) You are responsible for promptly notifying us of a change in your name, address (including any e-mail address at which you agree to be contacted), or telephone number(s) including any wireless telephone numberts).  Pricing Addendum INTREST RATES AND FINANCE CHARGES Interest Rates The APR is divided by 365 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. Variable rates are determined by adding a specified amount ("Spread”) to an Index (described below). index for Variable Rate Accounts Index Information For each billing cycle, variable APRs are calculated by adding a specified amount ("Spread") to the U.S. prime rate published in the Money Rates table of The Wail! Street Journal that is in effect on the first day of the prior month ("Prime Rate"). The Annual Percentage Rate (APR) may vary April 1 or October 1 of each year. An increase in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time any APR changes; we will apply it to any applicable balances. Specific Rates and Fees may be determined based on your creditworthiness. Visa Classic -Papillion Visa Classic wifee-Papillion Master Card-Papillion Visa Gold-Lincoln Visa Classic-Lincoln Purchase APR Purchase APR Purchase APR Purchase APR Purchase APR Prime plus 16.00% Prime plus 16.00% Prime plus 16.00% 10.99% Fixed 15.99% Fixed Balance Transfer APR Balance Transfer APR Balance Transfer APR Balance Transfer APR —_ Balance Transfer APR NA NA NA 10.99% Fixed 15.99% Fixed Cash Advance APR Cash Advance APR Cash Advance APR Cash Advance APR Cash Advance APR Prime plus 16.00% Prime plus 16.00% Prime plus 16.00% 10.99% Fixed 15.99% Fixed Penalty APR Penalty APR Penalty APR Penalty APR Penaity APR NA NA NA NA NA Penalty APR: NA. Interest and Finance Charges   Minimum Interest Charge: NA. Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. The interest on cash advances and/or balance transfers will begin on the transaction date. Balance Transfer Fee: 0% -2% of the amount transferred. Cash Advance Fee: 0% -2% of the amount advanced ($2.00 minimum). Foreign Transaction Fee: 1% of each transaction in U.S. dollars.    ACCOUNT FEES AND OTHER CHARGES Annual Fee: $0 - $15. Late Payment Fee: Up to $25. Over the Credit Limit Fee: NA. Returned Payment Fee: NA. Required insurance, debt cancellation or debt suspension coverage: NA Phone Payment Fee: $10.00 per occurrence if processed with a live representative. No charge if processed through automated system. Lost/Damage Fee: $0 - $20.00 Balance Computation Method: The finance charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of cash advances (and if applicable, purchases). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Disclosure of Rates: The Daily Periodic Rate, which is used to determine your Interest Charges and the corresponding Annual Percentage Rate, may be variable rates, which may change semi-annually. The Daily Periodic Rate will be one- three hundred sixty fifth of the sums of the U.S. prime rate published in Money Rates table of The Wall Street Joumal that is in effect on the first day of the prior month. ("Prime Rate”), plus a "Spread" of 16.00 percentage points for the Standard Rate. Any changes in the Prime Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Minimum Payment Due. Each time any APR changes; we will apply it to any applicable balances.