FEDERAL CREDIT APPLICATION | When you use the... INSURANCE DISCLOSURE                           w wy ay @ ied : Equus | ou 258 Pinnacle Bank offers a Group Credit Card Insurance Program. This program - A og” , is offered and underwritten by Cental States Health and Life Co, af Omaha ; =< Pi | B k 22° 3 and Central States Indesmnity Co. Of Ornahe, both of Cmaha, Nebraska, Yo Se mInnacie ani ‘ave noteequired to purchase the Payment Protection Plan form the bank or its.affillates not are you prohibited from purchasing insurance elsewhere + on to recelve an extension of credit fram the bank, Visa® Credit Card for the purchase ' of goods or services, the following — . benefits are yours! —— FEDERAL SALE GF INSURANCE ¥ = , DISCLOSURE ADVANTAGE - TRAVEL The Payment Protection Plan s nota depostt ofr guaranteed by the bank * Tel servation Service e Payment Protection Plan 1s nota deposit of ar guaranteed hy the bank, . Bon ; | 2 the FD!Carany other egency of the United States. Bonus Travel Dividends re » Concierge Services = Es By signing, | acknawfedge that | have zeceived a copy af both (Federal + Automobife Rentaf Insurance Credit Application Insurance and Federal Sale of insurance) disclosures + Auto Rental Discount »- ontaday’s date. Unlass this disclosure is provided electronically or | have | Med . —_Isj applied for credit by mail, | also aderowledge that this disclosure has been _ + Medics Assistance Senices Doth iS provided orally, . + Travel Protection LW a # 8 , . ~ Lost Luggage Locator Service Oe) 2 @ - Last or Damaged luggage Insurance w 21% vw 3 X ~Hotel-Motel Burglary Insurance 7) 2: 23 Ar individually ; Date + Payment Card Registration Lulz w az X + Quarterly Newsletter . z z= g z a ais Individually ) Date + Key Registration Ww 1 ” a78 = g a This Visa® Card may not be used for any IHeqal transaction, TRAVEL ACCIDENT INSURANCE — B R Zoe ; . ‘You, your spouse and dependent children up to age 19 (age 25 fa Mee oon Afee may be imposed by ar. ATM operator notholding the consumer's. full-time student at any institute of higher learting) are automatically account, or by any nellonal, regional or focal network used to complete the covered with common carrier travel accldent Insurance every time you transacilon. : . , . travel by alr, bus, train, ship, taxi, or any-other common carrler anywhere   Multt-Cerrency Conversion Rates In the world when youcharge your entire fare to our card. Fhis coverage        NO ANNUAL FEE * {5 provided ¢a you at NO EXTRACOST. Vi sa ® Ci ass i c Ifyou effecta transaction with your Visa® card ina currency otter than “BP x . WS. Dollars, Visa® will convert the charge Into a U.S. Dollar amaunt, This CREDIT INSURANCE rate may differ from day to day, A 1.0% Fee Is assessed onl international Our Credit Insurance program can protect your caxd, your family, and transactions whena currency conversion occurs This fee fs unchanged. yourcreditrating when you may need Itmost due to unexpected evens Visa® will. also Impose a fee on foreign transactions where a currency conversion is nat performed, ‘ @ Pinnacle Bank | BUDS TAAD      ie : : Clingividval Account -Interest Rates and Interest Charges : CREDIT APPLICATION comet fi a dantaconnt san eyes sein aan 7 Credit Linit Requested $ crbrodi Lng neresse     INPGRTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To hap Heo   15.96% APR may vary with he market based ori the Prime Rate.       jovesement fhe the funding of lerpetsm and mongy lound His reaans ta YoU Yan YOM Oper MARLON, we wi ak octhitios, Federal laws require ail Snancial your name, address, dats of bith, sod other                                                                                               ofeach yoar, bia rala det ed by adding 16,00% to Lhe primo rate, toe We Wil Geleuiaie Your Hal t mathod callad "avetaga daly bafance” (in velng Haw We Will Cateulate Your Balance: Wa usea Biting Rights: Information oni your righls bo dispute lransaciions and how to exercise those shies we garchases}* See your atcount ensning disciosures for mora delails. ped in your account agreemen!                               vere Pinnaele Bank, Paptition, NE 68044 FOLD AND SECURE WITH TAPE FOR MAILING Al contents are accurate ot the dime of printing. for changes thot may have dten made ofter printing please coll (800) 369-7283. Annual Percentage Rate {APR} for Purchasas ! . : and record Formato Wat denies each person Win aponsa 0n Ast = 1 __Jefeensation thot wil allow us to fe ‘We ma hy ar Bots so APR for Halence Transfers NIA i Lasl Name at ide Socal Secufly Nurther 13.98% H Date of Both a. of Dopendeals Home Phone CellPhone wn Real Ober | Monty PaymantS APR for Gash Advances APR may vary with the market based cn the Prima Rate. ; {) tt. ha a i Curentagcrass Sista ip Gade How! Penaity APR and When It Appiles None oy Ip Long Ora) Your due date is at least 26 days after the close of each billing eyele, We-will not chon Maing Aakrose (i deren fiom abovs) Gy Suita BpCrde Hove Long 3} P Inferest yo interest on retail purchases if you pay your entire balance by the dua date, We will : F] . aying Inferes begin charging interest on cash advances on the transaction date. We do not offer balance | i { Saab | PredousAddroes (Ttess than 3 yous atprsentodtiess} ry Tia Tp Gods Hewiong Gre) +19 i] oi Bolt ‘Work Prana Sala I Minimum Interest Charge None i | 3 : Ereaer eae to Pavoya i dass Positeniooaupaton Woallly Grass coma § ea bo en | for or using @ credit card, visit the : For Credit Care! Tips from the Federal Reserve Board wet scl Fur sens Poa i plying for or using a iret . ee ee ETO ; a Warne and Addiass of Previous Erployar (lass than 2 yearn at present employer Faw Long Gs} Saran reas Vor aay il apr spa Amount per Monih § Annual Fee i THearest Palate (Not Lhing Wh You} fone Phe Tamnap Transaction Fees i Tanane : First MKGTO ‘Social Socurty umber * Balance Transfer None j 2 Date of Birth No.of Onpendents jon Phara PalPhooe On Rent Gcer | Monthly Poymont § * Cash Advances Nene 3 Hl Curent Actes Cty Slats Tp Code How Long {yrs} ila . . : PrevousAdkrese (less ihan 2 ro Slate ip Cade Howe + Foreign Transaction 4.0% of each transaction In US. Dollars. i | Meshanzwaastpesectaces} | " orate] ne) Employer ott 7 Work Phona Bata Employed Penalty Faes i ear tJ i Addeesa Postant}ecupation Monihly Grass ncome$ * Lete Payment Up to $20.00 : rnr+itiranscpseatnst eters = H 2 Ramo and Address of Creditor Hama undas Which Accounl is Gantad Account Number Balance Monhly Payment J 1. Hemi t : + Oversthe-Credit-Limit None : zi sletargetnor ! ay 2 Bank Credit Caraitank Nemo and Adress + Relumed Payment Nene i | & . i FF PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGHING: Wis algement i gubrallied lo obtain erect and mo got atalino anhacl ist grea that Other Feos : haviriea mayo cade to ‘verily tafomavon y beg Hon based on inquirias rom olhar eres, This offi ks appli Oe God Sts as tte, We ' = Stan iaa und by the terms and conditons of ho cardholder agreamons, @ copy tf wh fl bo mala to ts ; ‘ Fy irs Tray Copa Ora cre et ate yy ene sop crf cad, i une sana ed sey sty an oleate fo tab + LostDamaged Fae $20,00 | @ fy oe x : ° ; bp | Apaleent Sprate Baie So Ropliant Sasa te . ‘ $10.00 par occurance if processed with a five representative. No charge if processed i ay Vea Account, : : Phone payment fee : } through the automated seer i = 2 ane Prime rate used to determine yourAPR Is ihe rate pufished in lie Wall Sueet Joumalon lie 1st day of hia prior MOnUT, The ENnual percentage rake aay vay A Torociober 4 ' 2 Pale Appraved | Credit Lina - | Approved By i Appitcation Q2609 FISPOLIZ  YOUR BILLING RIGHTS: XEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. WHAT 70 DO IF YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statement, write to us at the address shown art your monthly billing statement. In your fetter, give us the folowing information: bd jon: Your name and account rurnber, = Dollar Ameunt: The dollar amount of the suspected error © Bescription of Problems If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: * Within &) days after the error appeared on your statement. * Atleast 3 business days before an aomated payment is scheduled, if you want to stop Payment on the amount you think is wrong. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount jn question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your Jetter, we must do two things: 1. Within 30 days after receiving your letter, we must tell you that we received your letter. We wilt 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 ta you why we believe the bill is correct. While we investigate whether or not there has been an error: * We cannot try te collect the amiount in question, or report you as delinquent on that amount » The charge in question may remain on your statement, and we may continue to charge you interest on that amount. = While you do not have te 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: * Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. . is i : You wall 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. Ifyou do so, we cannot report you as delinquent without alg reporting that you are questioning your bill, We must tell you the name of anyone te whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. Hf we do nat follow ail of the rules above, you do not 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 H you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right Not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1, The purchase must have been made in your home state or within 100 mites 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 ff we own the company that sold you the goods or services.} 2 You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. ‘You must not yet have fully paid for the purchase. Hall 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 disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you de not pay, we may report you as delinquent.       REV. 01/13 01.13_CREDITCARD_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 or let someone else use if, 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 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, 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 arnount 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-aceruing 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. 4. 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 ta deny transactions or authorizations from merchants we determine are apparently engaging in the Internet garnbling 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).