NO POSTAGE NECESSARY UNITED STATES.         OMAHA NE MfekgpaDE NL ot gpd fdeoa pe PERMIT =PLY MAI [. | BUSINESS RE FIRST-CLASS MAIL POSTAGE WILL BE PAID BY ADDRESSEE PINNACLE BANK PO BOX 461209 PAPILLION NE 68046-9929         Gold MasterCard® 6 Pinnacle Bank FEDERAL CREDIT APPLICATION INSURANCE DISCLOSURE ~ Pinnacle Sank offers a Group Credit Card Insurance Program. This program Is offered and underwritten by Central States Health and Life Co, of Omaha and Central States Indemnity Co. Of Gmaha, both of Omaha, Nebraska. You 4re not required to purchase the Payinent Protection Plan form the bank or it’s affiliates nor are you prohibited fram purchasing Insurance elsewhere to receive an extension of credit fram the bank, FEDERAL SALE OF INSURANCE DISCLOSURE The Payment Protection Plan is nota deposit of or guaranteed by the bank, the FDIC or any other agency ofthe United States, By signing, lacknowledge that| have received a copy of both (Federal Credit Application Insurance and Federal Safe of Insurance} disclosures on today’s date, Unless this disclosureds provided electronically or! have applied for credit by mail, false acknowledge that this disclosure has been provided orally. X   Individually Date X   lndivideally Date This MasterCard? Card may nor be used for any Illegal transaction. Afee may be imposed by an. ATM operator nat holding the consumers account,.or by any natlonal, regional o local network used to complete the transaction. Muttl-Currency Conversfon Rates ffyou effect a transaction with your MasterCard® card Ina curtency other than US. Dollars, MasterCard® wili convert the charge Intea U.S, Dollar amount. This rate may differ from day to day. A 7.0% Fee Is assessed on intermational transactions when a corrency conversion occurs This fee is unchanged. MasterCard® will also Impose a fee on foreign transactions where a currency conversion is not performed. When you use the... 6 Pinnacle Bank MasterCard® Credit Card for the purchase of goods or services, the following benefits are yours! ADVANTAGE - TRAVEL + Travel Reservation Service + Bonus Travel Dividends « Concierge Services ’ « Automobile Rental Insurance » Auto Rental Biscount + Medica? Assistance Services + Travel Protection - Lost Luggage Lacator Service ~ Lost or Damaged Luggage Insurance ~ HoteF-Motel Burglary Insurance + PaymentCard Registration + Quarterly Newsletter + Key Reglstvatlon TRAVEL ACCIDENT INSURANCE You, your spouse and dependent children up 4 age 19 (age 25 fa full-time student at any lostitute of higher learnlag) are automatically covered with common carrier travel accident Insurence every time your travel by aif, bus, train, ship, taxi, orany other common carrer anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at NO EXTRA COST, , CREDIT INSURANCE , Our Credit Insurance program can protect your card, your fantily, and your credit eating when yau may need it most due to unexpected events. SCORECARD® BONUS POINTS Eam Bonus Polnts for every net retail purchase yau make with our Pinnacle Bank Credit Card! You can redeem Bos Points for brand-naiie prerchandise and exelting travel awards, Visit wyew,scorecardrewards, com and browse the current award selections. You'll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives, O18 oT            13.80%                  Be a OF et te . an ee " (rlndividual Account interest Rates'and interest Charges. ee ~ MasterCard?” rm CREDIT APPLICATION cope  folnt Account tend 4 a ee rE Credit Linit Requested $ MasterCard oo Bee srppetcant ant slgratures sector Sie GON SOT   (PORTANT INFORMATION AS GUT PROCEOURES FOR OPENING A NEWACGOUNT: To delp tha govarnmant fight the funding of femora and money faoadering each ret an Account. Whal his meand la your When you open en Account, we will ask tar your name, address, Pittston ator”                                                                             of year Variable’ etemnined by adding 16.00% t: UL How We at aeulateteur Balan eS ise annahioe Ch Billig Raat: Information on your   % Ihog called “average dally belacee” fj ena ne rch Is 5 dspaia reseaalons ang in iy ease rights     auch Se jt discloswes for mora details. ad ingake scoala onteonen                         Pinnacle Bank. Papttilon, NE 6846 FOLD AND SECURE WITH TAPE FOR MAILING Alt coments are accurate at the thine of printing, for changes thatatdy have been made after printing please calt (800) 369-7283, , Annual Percentage Rate {APR} for Purchases | (1 . 9 ‘APR) APR may vary with he market based an the Prime Rate, ingttoons to abla, very and roreydteforraion deal denies 7 ‘ Information thal wil alow us We may alo agi to sen iriver's bcense or other tdai __ APR for Balance Transfers NIA . ! Unst Name . | Fist aeedla Soci Securly Number 13.80% : Dele of Birth Wo, of Oependants Hema Phono Cell Phono Gut Rent Ger | Monlhty Payment § APR for Gash Advances APR mey vazy with the market based on the Prime Rate. i | -_ om) - : Conent Address ony Stale Bp Cote Howe Long (ra) Penalty APR and When it Applies None ; Your due date Is at least 25 days after the close of each billing cycle. Wa will not cherge igi | Masa Accenss torent tam aba, ity Sate ap Cots Howrtong (ys) Paving interest you inleréston retail purchases if you pay your entire balance by the due date, We will H a : ayIng Hn begin charging interest on cash advances on the transaction date, We do not offer balance | uF Previous Adtiosa (fleas than 2 years at presant address) iy Stale Ep Coda Hon tong (73) transfers. 1] & i] a i Employer Ey ‘Work Phone Dale Empioyed _| Minimum Interest Charge None i aE Oves to) , or Assos PestonGccupation Monthly Gross ineoma $ ‘ . ‘fo leam more about factors.fo consider when applying for or Using a cradi card, visit the ! a For Credllt Card Tips from the Federal Reserve Board | oh site of the Federal Reserve Board at hips mith wutedaralresarye. qovicraditeard, i z : Fi Nama end Address of Previous Employer (Jess than 2 yoors al presoat amployar) How Leng bys) _ H noni i : parte Month ' matnarones nodal revesed as itroveensisad in Bahamas crediiworthness porbiontS Annual Fee $30.00 ‘ i Noares: Ralalve (Net Uving Wilh You) : Hare Pare Fentorship Transaction Fees : Lastname Fist Neda “Sock Soraity Number * Balance Transfer None i 4 Dato of Oth "Nc af Dependonts ine Fiona Palio Om Rent oie Wanthiy Payment § i - i | Be « Gast Advances None H a ‘currant Adios Cty Stale Zh Code How Lang (its) ito ; ; i PredougAddmss Gilessthan 2 voor al praseml ad Gi ‘Stato ip Codi How * Foreign Transaction 1.0% of each transaction in U.S. Dollars ' a = Aaiass (las han 2 yet ap tes) " eens tonats} i | GRE [Employer Sa Employed ‘Work Phono Bate Employed — Penalty Fees i Des No C4 : ‘Adres Posiionfoccupaiion Moathty Grosn inoonio S * Late Payment Up ta $20.00 : — - : : . . i] ¢ Name and Address of Credito: Nama urdar Which Account ls Canted Adcouat Number Balance Monlhty Paymeal i Hani eens + Over-the-Credit-Limit None i 21 a MergageiRent RonkyPayreal 1 | Sige | aan creat Corationk Nara an Ades + Retumed Payment None i] ae : @ || PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statomant ia auido oblan cre and 2a cary hat Hlvomaton Reni in ad on cape. ela, Other Fags i HH eno bandoy son code 3 ola carrer a emarlscepy ef etacvfl be ened tate appksont Ee opeaetoe eeraina acy Lg | SERS tea pets ie nah oe arena came aa she cnet nena exec . t ra . LostDamaqed Fee $20.00 : fe x May Fepat your. int to the " T ‘On YOUT BCOOUNL tay! In your: report. . ? Le palure Bute Se Asin Site na bE . $10.00 per occurrence if processed with alive representative, No charge if pmeassed i HasienGad Accounlito. Phone payment fee through the automated System, i 185 ‘ : vine pre Tata Used to delarming your APR Is fra ral publisned in tne Wall Street Jeumal on Die Ssrday af (na por mosh. Te ainval percamlaga ale May vay Ap T br Calabar f i =E Bale Approved Credit Line [ Ammer : “Application ©2009 FIS*ONT2  YOUR BILLING RIGHTS: 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 4 you think there is an error on your statement, write to us at the address shown on your monthly billing statement. In your letter, give us the following information: . Han: Your name and account number. > Dollar Amount: The dollar amount of the suspected error. . ipti : Hyou think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. ‘fou must contact us: » Within 60 days after the error appeared on your staternant. * Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrang. You must notify us of any potential errors jn writing [or electronically). You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question, WHAT WiLL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things: 1. Within 30 days 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 we investigate whether or not there has been an error: * We cannot try to collect the amount in question, or repart you 2s delinquent on that amount. = The charge in question may remain on your statement, and we may continue to charge you interest on that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance, © We can apply any unpaid amount against your credit limit After we finish our investigation, one of two things will happen: ba i : You will not have to pay the ammount in question or any interest or other fees related to that amount, . i 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 do not pay the amount we think you owe, If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you'da so, we cannot report you as delinquent without also reporting that you are questioning yaur 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 setted between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount in question, even if your bill is comect. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES Wf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount dye on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. {Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fromm an ATM or with a check that accesses your credit card account de not qualify. 4. 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 wditing for electronically) at the address shown on your monthly billing statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that poing, if we think you owe an amount and you do not pay, we may repert you as delinquent.       REV. 01/13 01.13_CREDHCARD_AGREEMENT PINNACLE BANK/BANK OF COLORADO CREDIT CARD AGREEMENT This Agreement, along with the Credit Application and Credit Account Disclosures comprises the Credit Agreement between you and Pinnacle Bank/Bank of Colorado. It applies to you and to all eligible users of your card(s}. It is effective on the date your card is activated and terminates on the date of expiration shown 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 you for your Account. B. AGREEMENT You agree to the terms of this Agreement. When you use your Account ar 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 sales draft, or if you use or permit someone else to use the card. If the Account is 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. 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 Visa® and MasterCard® 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 tell us at once if yau 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. DB. 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, Interest 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. F. INTEREST At the end of 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. 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. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime rate published in The Wall Street Journal 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 the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest 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. 1. 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. J. FEES Fees that you may be charged for services provided are set forth in the Credit Disclosures section of the Credit Application. By executing the Application you agree to pay them. K. DISPUTE RESOLUTION We can delay enforcing our rights under this Agreement without losing 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 concerning 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. L. 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, M. 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 do not accept such changes, and you may pay off the existing balance under the account terms in place at time of cancellation. N. 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 number(s).