�
                                   Visa  Platinum Credit Card Agreement 
                            
                            
     This is a card member agreement and disclosure statement (�Agreement�) between  is determined that a Convenience Check should have been paid, but was not, we will 
     you and Hills Bank and Trust Company containing the terms that will apply to your Hills  not be liable for any consequential, punitive, or incidental damages if we acted in good 
     Bank Visa Platinum (�Account�).  In this Agreement, �you� and �your� means each  faith.  Our only obligation under those circumstances will be to pay the designated 
     individual accepting a solicitation or applying for the Account or otherwise agreeing to  payee the amount of the Convenience Check and cancel any charges assessed 
     be responsible for the Account.  �We�, �us�, �our�, and �the Bank� means Hills Bank  against your Account as a result of any wrongful failure to honor the Convenience 
     and Trust Company, the issuer of the Card and your Account creditor.  Other terms are  Check. 
     defined in the text of the Agreement.  Please read this Agreement carefully and keep it  7.  Balance Transfers:  We may permit you to transfer balances from other 
     in a safe place to make the best use of the Hills Bank credit card we issue with this  companies, including financial institutions.  However, you cannot make Balance 
     Account (the �Card�).  The Agreement becomes effective as soon as you or someone  Transfers from the Bank accounts.  The amount of your total Credit Limit which we 
     authorized by you uses the Card or Account, but no later than 30 calendar days after  may allow to you for a Balance Transfer reduces the amount of the Credit Limit 
     we issue and you fail to return the Card.  available for Purchases and Advances.  Finance Charges on your Balance Transfers 
                                              accrue from the date of transfer to your Account.  If you reach your limit on the amount 
     ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT  of credit we allocate to you for one or more Balance Transfers, you may not transfer 
     1.  Use:  Charging privileges on the Card and Account are provided by the Bank  additional balances even if you have not reached your total Credit Limit.  Balance 
     pursuant to the terms of this Agreement.  Charge activity, Account status, and any  Transfers will post to the Account and be separately reflected on the monthly Account 
     Account delinquency information will be provided to you monthly.  You may use the  statements as a Balance Transfer, or, depending upon the offer, may post to the 
     Card to obtain an Advance (as defined below) from a participating financial institution  Account and be treated as a Purchase, or as an Advance transaction. 
     or Automated Teller Machine (ATM).  You may use the Account only for personal,   
      family, or household purposes.          FINANCE CHARGES AND ACCOUNT FEES 
      2.  Your Acceptance of the Agreement:  By accepting, signing, or using this Card or  8.  Account Finance Charges:  Finance Charges reflect the cost of credit.  Your total 
     Account, or by continued use of an existing Card or Account, you are agreeing to the  Finance Charge for any billing cycle will equal the amount of any (a) periodic rate 
     terms of this Agreement.                 Finance Charges (sometimes referred to as �interest� here and on monthly Account 
     3.  Account Purchases:  You may use the Account to buy, lease, or otherwise obtain  statement); (b) Advance transaction fees; and (c) any other transaction fees that are 
     goods or services from participating merchants (including transactions you initiate via  considered Finance Charges.  In some of the following sections we have abbreviated 
     email, by telephone, or over the Internet) or take advantage of special promotional  the terms �monthly periodic rate� as MPR, �average daily balance� as �ADB�, and 
     Convenience Check or Balance Transfer offers that post as Purchase Transactions  �annual percentage rate� as �APR�. 
     (�Purchases�).  We will, in connection with any promotional Balance Transfer or  9.1  Interest rate:  Your Annual Percentage Rate and the corresponding monthly 
     Convenience Check offer we make, provide you with materials that explain whether  periodic interest rates are listed on the attached rates and fee table.  Your account is 
     those transactions will post and be treated as a Purchase.  Even if you have not  eligible for an Introductory Rate.  The Rates and Fees table attached describes the 
     signed a sales draft or the merchant has not supplied you with a written receipt or  duration of the Introductory Rate, the transactions to which the Introductory Rate 
     other proof of sale, you are responsible for all Purchases made through the Account,  applies, the Introductory Monthly Periodic Rate and the corresponding Annual 
     except as expressly limited by applicable law.  See �Your Billing Rights� section for  Percentage Rate (APR) applicable to your account as of the date the account was 
     more detail.                             opened.  After the Introductory Rate expires the balances that had been charged the 
     4.  Account Advances:  Advances are transactions other than Purchases that allow  Introductory Rate will be subject to the Standard Annual Percentage Rate.  The Prime 
     you direct access to funds available through your Account.  Advances may include  Rate used to calculate the APR will be the Prime Rate on the 15th day of each month 
     Account transactions such as cash advances you obtain directly from us, other  or the first regular business day thereafter as published on that business day in the 
     participating financial institutions, ATMs, telephone transfers, Balance Transfers, or  Money Rates column of The Wall Street Journal (�WSJ�). The APR may increase if the 
     Convenience Checks.  Monthly Account statements we issue may refer to Advances  Prime Rate increases. An increase will take effect the day after your statement cycles 
     as �Advance�, �Cash�, �Cash Advances�, or by the product or device you used to  following the 15th of the month. An increase will result in an increase in the finance 
     obtain an Advance.  You may use your Account to obtain cash either by presenting  charge and it may have the effect of increasing your periodic minimum payment. The 
     your Card at any bank or other financial institution that accepts the Card or by making  APR will not change more often than once a month. A decrease will have the opposite 
     a withdrawal of cash at an ATM.  We may restrict the amount of the credit limit that is  effect of an increase. If the Prime Rate changes more frequently than the APR, we will 
      available for Advances.  If an Advance limit greater than the percentage available is  always use the Prime Rate in effect on the day we adjust the APR to determine the 
      requested, it will be subject to credit approval.  You may be limited in the amount  new APR. In such case we will ignore any changes in the Prime Rate that occur 
      and/or number of Advances you may make on your Account.  between APR adjustments. Any rate change will be applied to all balances carried 
      5.  Convenience Checks:  From time to time, we may supply Convenience Checks  forward from the last statement. We reserve the right to choose a comparable new 
      for use by the person(s) named on those checks.  Convenience Checks are drafts that  index if the WSJ ceases to publish a Prime Rate. 
      look like other checks, but are drawn on credit available in the Account.  We may,  9.2  Interest Rate for Cash Advances:  The MPR and the corresponding variable 
      based on the particular offers we make from time to time, provide Convenience  APR will be determined by adding nine percentage points (9.0%) to the Prime Rate in 
      Checks that will post and be treated as an Advance or Convenience Check that will  respect of the Account for the billing cycle. The Prime Rate used to calculate the APR 
      post and be treated as a Purchase.  We will, in connection with any Convenience  will be the Prime Rate on the 15th day of each month or the first regular business day 
      Check we provide, include materials that explain whether the Convenience Check will  thereafter as published on that business day  in the Money Rates column of WSJ.  The 
      post and be treated as an Advance or as a Purchase.  Convenience Checks must be  APR may increase if the Prime Rate increases.  An increase will take effect the day 
      written in U.S. dollars.  We may return a Convenience Check unpaid if:    after your statement cycles following the 15th of the month.  An increase will result in 
       (a)  the credit available under your Credit Limit is less than the Convenience Check  an increase in the finance charge and it may have the effect of increasing your 
       amount;                                periodic minimum payment.  The APR will not change more often than once a month.  
       (b)  the Account is in default; or     A decrease will have the opposite effect of an increase.  If the Prime Rate changes 
       (c)  the Convenience Check is improperly signed or otherwise fails to conform to our  more frequently than the APR, we will always use the Prime Rate in effect on the day 
       regularly accepted standards for check payment.  Convenience Checks may not be  we adjust the APR to determine the new APR.  In such case we will ignore any 
       used                                   changes in the Prime Rate that occur between APR adjustments.  Any rate change will 
       to pay the Account or any obligation you owe us or our affiliates.  be applied to all balances carried forward from the last statement.  We reserve the 
     6.  Paying and Stopping Payment on Convenience Checks:  You must use the  right to choose a comparable new index if the WSJ ceases to publish a Prime Rate. 
     number and address provided in the �Lost or Stolen Card or Convenience Check�  10.  Interest Finance Charge:  Finance Charges on your Account for Purchases and 
     sections to request that payment be stopped on a Convenience Check.  You must call  Advances are calculated separately.   
     us promptly with an oral stop payment request and then provide us with a written  Purchases (Method G)   
     confirmation of the stop payment request within 14 calendar days.  Any stop payment  A Finance Charge will be imposed on Purchases only if you elect not to pay the entire 
     request we receive will remain in effect for 6 months, unless you renew the request in  New Balance shown on your previous monthly statement within 25 days from the 
     writing before the end of that time.  We may pay Convenience Checks more than 6  closing date on the statement.  If you elect not to pay the entire New Balance shown 
     months old.  There may be circumstances under which a Convenience Check must be  on your previous monthly statement within 25 days from the closing date on the 
     paid, even if we have received a stop payment request from you.  We will not be liable  statement, a Finance Charge will be imposed on the unpaid balance of Purchases 
     to you if we do not honor your stop payment request under those circumstances.  If it  from the statement closing date (including new Purchases) and will continue to accrue 
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                                       �
                                   Visa  Platinum Credit Card Agreement 
                            
                            
     until the closing date of the billing cycle preceding the date on which the entire New  IMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT 
     Balance is paid in full or until the date of payment if more than 25 days from the  13.  Credit Limit:  The Account Credit Limit is the maximum amount of credit available 
     closing date.                            and that you may owe under the Account at any time.  You may not request or obtain 
     The Finance Charge for a billing cycle is computed by applying the Monthly Periodic  additional Purchases, Advances, or Balance Transfers once you have reached your 
     Rate (which is the APR divided by 12 months) to the Average Daily Balance of  Credit Limit.  The initial Credit Limit is shown on the Card carrier and will also appear 
     Purchases, which is determined by dividing the sum of the daily balance of Purchases  on your monthly Account statement.  We reserve the right to review your Account at 
     during the billing cycle by the number of days in the cycle.  Each daily balance is the  any time and increase or decrease your Credit Limit.  You may not increase your 
      principal balance including current cycle Purchases and payments and credits as  Credit Limit by carrying a credit balance over the Credit Limit we make available to 
      received, but excluding any unpaid Finance Charges.  you.  (Also see the �Advance Limits� section for more information about Limits on 
     Cash Advances (Method A)                 Advance transactions section.) 
     A Finance Charge will be imposed on Advances from the date of the Advance or from  14. Payment: 
     the first day of the billing cycle in which the Advance is posted to the Account,  (a)  Promise to Pay:  You agree to pay for all Purchases, Advances, Finance 
     whichever is later, and will continue to accrue until the date of payment.  The Finance  Charges, fees, and any other obligations incurred on the Account. 
     Charge for a billing cycle is computed by applying the Monthly Periodic Rate (which is  (b)  Method of Payment:  You must pay us in U.S. dollars with checks or similar 
     the APR divided by 12 months) to the Average Daily Balance and Advances which is  payment instruments drawn on a financial institution located in the United States.  We 
     determined by dividing the sum of the daily balances of Advances during the billing  may, at our option, choose to make an exception and accept a payment drawn on a 
     cycle by the number of days in the cycle.  Each daily balance is determined by adding  foreign bank.  However, you will be charged and agree to pay any collection fees 
     to the Previous Balance (the outstanding balance of your Account at the beginning of  required in connection with such a transaction. The date you mail a payment is 
     the billing cycle) any Purchase as of the date it is posted to your Account and any  different than the date we receive payment. For purposes of this Agreement, the 
     Advances as of the transaction date or the first day of the billing cycle in which the  payment date is the day we receive your check or money order at the address 
     Advance is posted to the Account, whichever is later, and subtracting all payments as  specified on your monthly Account statement.  If you mail your payment without a 
     received and credits as posted through that date, but excluding any unpaid Finance  payment coupon or to an incorrect address, it may result in a delayed credit to your 
     Charges.                                 Account.  This may result in additional Finance Charges, fees, and possible 
     Any Finance Charge shown on your monthly statement is computed only through the  suspension of your Account. 
     last date of the billing cycle.  Since Finance Charges continue to accrue until the date  (c)  Minimum Monthly Payment:  Each month you must pay at least the Minimum 
     your payment is received and posted to your Account, additional Finance Charges  Payment and any past due Minimum Payment by the Payment Due Date shown in 
     may appear on the following month�s statement.  The amount of the Finance Charge  your monthly Account statement.  Your Minimum Payment for Purchases and Cash 
     and the Advance Fee may be changed from time to time.  There is a minimum Finance  Advances is 3.0%, rounded up to the nearest dollar, of the total Purchase and Cash 
     Charge of 50 cents in any billing cycle in which a Finance Charge is due.  Advance balance (excluding late payment), or $25.00 whichever is greater.  In 
     11.  Grace Period:  You have a 25 day Grace Period for Purchases (including any  addition, your Minimum Payment will include all amounts delinquent, and amounts in 
      promotional Balance Transfers or Convenience Checks that will post as Purchases),  excess of your Credit Limit.  If your outstanding Purchase and Cash Advance balance 
      provided you have paid your Previous Balance in full by the Payment Due Date shown  is less than $25.00 then the entire balance is due.  You also may pay the entire 
      on your monthly Account statement.  In order to avoid additional Finance Charges on  balance on your Account at any time or pay any amount between the Minimum 
      Purchases, you must pay your New Balance in full by the Payment Due Date shown  Payment and your entire balance.  Any changes in your Minimum Payment due will be 
     on the front of your monthly Account statement.  There is no grace period for  reflected on your monthly statement in the month in which the Minimum Payment due 
     transactions that post to the Account as Advances.  Those transactions are subject to  is affected.  However, in all cases, you may continue to pay any amount equal to or 
     interest from the date they post to the Account until the date they are paid in full.  greater than the Minimum Payment due.   
     12.  Account Fees:  We may charge the following fees.  The amounts of these fees  (d)  Application of Payment:  We may allocate payments to amounts owed on your 
     are listed in the attached rates and fee table.  Account in the manner we deem appropriate, including but not limited to, applying 
     (a)  Cash Advance Transaction Fee:  We will add a Finance Charge to the Advance  payment to promotional balances, such as Balance Transfers, before applying them to 
     balance of the Account in the form of the Advance Transaction Fees disclosed below  Purchases and Advances.   
     for each Advance you obtain during a billing cycle.  The fees imposed will equal the  15.  Change of Address:  Your monthly Account statements and notices about your 
     greater of the fees based on a disclosed percentage of each Advance of the minimum  Account will be sent to the address you provided in your application or your response 
     dollar amount, shown below.              to our Account solicitation.  To change your address, you must call us at 1-800-445-
           CASH RECEIVED  PERCENTAGE  MINIMUM  5725 or write to us at the following address:   
           FROM:      OF CASH FEE:  MAXIMUM:       eServices Department 
           FINANCIAL INSTITUTION  3.0%  $ 5.00     Hills Bank and Trust Company  
           OR ATM              $15.00              131 Main Street 
      (b)  Annual Fee:  None                       P.O. Box 160 
      (c)  Late Payment Fee:  We will add a Late Payment Fee of $27.00 to the Purchase  Hills, Iowa 52235 
      balance of the Account if your Minimum Payment is not received by the Payment Due  We must receive this information 15 days before the date a billing cycle closes to 
      Date shown on the monthly Account statement.  provide your monthly Account statement at your new address. Note:  If you have an 
      (d)  Returned Payment Fee:  We will add a Returned Payment Fee of $27.00 to the  address change within 45 days of the expiration date of your Card(s), please contact 
      Purchase balance of the Account if a draft or check you give us as payment on the  the Hills Bank Contact Center at 1-800-445-5725 with that information so your new 
      Account is not honored or if we must return it to you because it cannot be processed.   Card(s) can be mailed to your new address. 
      A check that is returned unpaid may be sent for collection.  16.  Authorized Use:  You agree not to give your Card to anyone else or to authorize 
      (e)  Returned Convenience Check Fee:  We may charge a fee of $35.00 to the  anyone to use the Account.  If you give your Card or Account number to someone and 
      Purchase balance of the Account if you write a Convenience Check that we do not  they use either, you will be liable for any charges that the person incurs. 
      honor under the terms of this Agreement.  (See �Convenience Checks�, and �Paying  17.  Lost or Stolen Card or Convenience Checks:  You must notify us immediately if 
      and Stopping Payment on Convenience Checks� sections for more details).   your Card or Convenience Checks are lost or stolen or there is possible unauthorized 
      (f)  ATM Surcharges:  When you use an ATM not owned by us, you may be charged  use of your Card or Account.  You will not be liable in excess of $50.00 for any theft or 
      a fee by the ATM owner or network used to complete the transaction and you may be  loss for purchase charges that occur after notification to the Bank.  You must notify 
      charged for a balance inquiry.          eServices by phone at 1-800-445-5725, or 1-800-423-7503 or in writing to: 
      (g)  Card Usage Reports Fee:  We may offer additional reports regarding Card usage  eServices Department 
      and Account transactions which will be provided upon your request for an agreed upon  Hills Bank and Trust Company  
      fee.                                         131 Main Street 
      (h)  Foreign Transactions:  A 1.0% fee is assessed only on international transactions  P.O. Box 160 
      when a currency conversion occurs.  Visa will also impose a 0.8% fee on foreign  Hills, Iowa 52235 
      transactions where a currency conversion is not performed.     If this happens, we will ask you and all other persons given Account access to return 
                                              all Cards and unused Convenience Checks to our eServices Department.  In addition, 
       
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                                       �
                                   Visa  Platinum Credit Card Agreement 
                            
                            
     we have the right to close your Account and open a new Account.  If we do so, new  returned to us or otherwise destroyed or surrendered as we instruct.  We extend all 
     Cards and Convenience Checks will be issued for your new Account.    Account credit to you in and from the State of Iowa, regardless of where you reside or 
     18.  U.S. Currency:  If you make a Purchase or Cash Advance in foreign currency the  use the Account.  This Agreement is governed by Iowa law, and, to the extent 
     transaction will be converted into U.S. Dollars by Visa.    necessary for interest exportation or consumer protection purposes, by federal law, 
     For Visa Accounts: To the extent that you have used your Visa card to Purchase  regardless of the internal conflict of law principles of the state where you reside or use 
     goods or services, or obtain cash in another country, your statement may reflect the  the Account.  If a dispute arises and you file a lawsuit against us, service or process 
     conversion into U.S. dollars of transactions which occurred, initially, in a different  must be made on the Bank at the following address:   
     currency.  The exchange rate applied to such transactions is a (i) wholesale market    eServices Department 
     rate or (ii) government-mandated rate in effect one day prior to the processing date,      Hills Bank and Trust Company  
      increased by one percent.  We reserve the right to charge you an additional one       131 Main Street 
      percent (1.0%) of the U.S. dollar amount of any international transaction, whether that       P.O. Box 160 
      transaction was originally made in U.S. dollars or was made in another currency and       Hills, Iowa 52235 
      converted to U.S. dollars by Visa or MasterCard.  In either case, the 1.0% will be  26.  Changing the Agreement:  The Bank may change all or any part of this 
      calculated on the U.S. dollar amount provided to us by that entity.  The same process  Agreement at any time, including changing the APR and other fees on the Account, 
      and charges may apply if any international transaction is reversed.   unless prohibited by law.  We will give at least 30 days notice before the effective date 
                                              of any change.  On the effective date, the changes, including any changes in APR or 
      YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT  recalculation of Finance Charges, will apply to all amounts you owe at the time the 
      19.  Responsibility to Pay:  You agree to pay us for all Purchases, Advances,  change goes into effect.  If you do not agree to the changes, you must notify us in 
      Balance Transfers, Finance Charges, Account Fees and charges, any other  writing within 25 days after the effective date of the change; you also must pay any 
      transaction charges as provided in this Agreement and, to the extent permitted under  remaining amount due and destroy the Card.  You may pay the remaining amount all 
      applicable law, attorneys fees, and collection costs we incur enforcing this Agreement  at once or the Bank may allow you to continue making payments under the existing 
      against you.  This is the case even if the Account is only used by you, or someone to  terms.  Otherwise, you will have agreed to the changes in the notice.  Use of the 
      whom you�ve given access to the Account.    Account after the effective date of the changes shall be deemed acceptance of the 
      20.  Liability for Charges:  You are individually liable and you and the individual or  new terms, even if the 25 days have not expired. 
      co-obligor(s) who accepted the application for credit, if any, are jointly liable for all  27.  Cancellation: 
      charges to the Account including, without limitation, all fees and Finance Charges.   (a)  The Bank may cancel the Account or suspend credit privileges immediately and 
      21.  Intent to Repay:  Every time you use the Account, you represent to us that you  without notice if the Account is in default.  We may also cancel the Account in our sole 
      intend and have the reasonable ability to repay your Account obligations.  We rely on  discretion (even if the Account is not in default) by providing notice to you.  You may 
      that representation every time you use the Account.    cancel the Account by providing notice to us. 
      22.  Settling a Disputed Balance:  Payment in Full � If you want to settle a  (b)  After cancellation of the Account, you will not be able to obtain additional credit on 
      disagreement with us about any amount you owe by sending a check on which you  the Account and must agree not to use the Account.  All amounts outstanding on the 
      have written �Payment in Full� or similar language, you must send us a written  Account will be immediately due and payable without notice or demand. 
      explanation of the disagreement and dispute and send such check to:  (c)  If you fail to pay any amount you owe under this Agreement, you will be liable for 
             eServices Department             our costs of collecting.  In addition, if we refer our claim to an attorney for collection, 
           Hills Bank and Trust Company       you will be liable for reasonable attorney�s fees we incur and expenses of any legal 
            131 Main Street                   actions. 
           P.O. Box 160                       28.  Assignment of your Account to Another Creditor:  We may assign, sell, or 
           Hills, Iowa 52235                  transfer your Account and amounts owed by you to another creditor at any time.  If we 
     (See �Your Billing Rights� section for complete details.)  Writing �Payment in Full� or  do, this Agreement will still be in effect unless and until amended and any references 
     similar language on the check will not be enough to resolve the dispute.  If we collect a  made in this Agreement to �we�, �us�, �our�, or �the Bank� will refer to the creditor to 
     check or any payment instrument marked �Paid in Full� that you send without a written  which we assigned, sold, or transferred the Account or amounts owed under the 
     explanation of the disagreement or dispute, we will not have waived our right to collect  Account.  You may not delegate your obligation and responsibilities to us to any third 
     any remaining amount you owe us under the terms of the Account.    party without our express written consent. 
     23.  Default:  You and the Account will be in default if:   
     (a)  you do not make the Minimum Payment by the Payment Due Date (disclosed on  THE BANK�S LEGAL RIGHTS AND OBLIGATIONS 
     the monthly Account statement as the Payment Due Date);  29.  Collecting Credit Information About You:  You authorize us to make any credit, 
     (b)  you violate any other provision of this Agreement;  employment, and investigative inquiries we feel are appropriate related to giving you 
     (c)  you become insolvent, assign any property to your creditors, or go into bankruptcy  credit or collecting amounts owed on your Account.  You agree that a consumer credit 
     or receivership;                         report or business bureau file request, as applicable, may be requested periodically 
     (d)  you have made false statements affecting the application or maintenance of your  from one or more credit reporting agencies (credit bureaus) and used in connection 
     Account;                                 with your application and any update, renewal, or extension of credit.  We may provide 
     (e)  you go over your Credit Limit;      information about you, your Account, or your credit history to credit reporting agencies 
     (f)  we have any reason to believe that the Account is in danger of, or is being used for  and others who may properly receive that information. 
     fraud; or                                30.  Credit Bureau Disputes:  If you believe we inaccurately reported credit history 
     (g)  anything happens that we believe in good faith materially increases the risk that  information about you or the Account to a credit bureau, call us at 1-800-445-5725 or 
     you will not live up to your payment and other obligations under this Agreement.  write to us at:  
     If you are in default, we may, to the extent permitted by applicable law, set-off and       eServices Department 
     withdraw any portion or all of the amount due under your Account Agreement against    Hills Bank and Trust Company  
     any balance, credit, deposits, accounts, or other property of yours in our possession,        131 Main Street 
     after giving you any notice required by applicable law.  Should the obligation fall        P.O. Box 160 
     delinquent, and a judgment is obtained then the judgment shall accrue interest at the        Hills, Iowa 52235 
     rate of 18.0% per annum until the judgment is Paid in Full.   31.  Refusal to Honor Transactions:  The Bank and its agents are not responsible if 
     24.  Illegal Purchases:  The Card must not be used for any unlawful purpose, such as  anyone refuses to honor your Card or a Convenience Check, or if authorization for a 
     tending                                  particular transaction is not given.  Although you may have credit available under the 
     any account that is set up to facilitate online gambling.  You agree that you will not use  Account, we may be unable to authorize credit for a particular transaction.  The 
     or knowingly permit another to use the Card or Account for any transaction that is  number of transactions you make as well as the dollar amount you may withdraw from 
     illegal under applicable law.            or charge to your Account in one day may be limited, and the limit per day may vary.  
                                              These restrictions are for security reasons.  And, as a result, we cannot explain the 
     THE BANK�S LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT  details of how this system works.  If your Account is over limit or delinquent, 
     25.  Ownership of this Account; Governing Law:  Your Card and any other Account  authorization of credit for transaction may be declined.  We are not responsible for 
     access devices that we supply to you are our property, and must be immediately  anything Purchased with your Card or a Convenience Check, except as expressly 
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                                       �
                                   Visa  Platinum Credit Card Agreement 
                            
                            
     required by applicable law (see �Your Billing Rights� section for more details.)  You  In your letter, give us the following information: 
     must return goods you Purchased with the Card or Account to the Merchant and not to  (a) Account information: Your name and account number. 
     us.  Third party offers � From time to time, third parties may provide you with benefits  (b) Dollar amount: The dollar amount of the suspected error. 
      not related to the extension of Account credit.  We are not liable for these features,  (c) Description of problem: If you think there is an error on your bill, describe what you 
      services and enhancements, as they are the sole responsibility of the third party  believe is   wrong and why you believe it is a mistake. 
      provider.  The Bank and/or third party may add, change, or delete entirely these  You must contact us: 
      benefits without notice or liability to you, to the extent permitted by applicable law.  You  (a) Within 60 days after the error appeared on your statement. 
      agree to hold us harmless form any claim, actions, or damages resulting from your use  (b) At least 3 business days before an automated payment is scheduled, if you want to 
      of any of these features, services, or enhancements, when permitted by applicable  stop payment on the amount you think is wrong. 
      law.                                    You must notify us of any potential errors in writing [or electronically]. You may call us, 
      32.  Telephone Monitoring:  From time to time, we may monitor telephone calls you  but if you do we are not required to investigate any potential errors and you may have 
      make to us or our agents.               to pay the amount in question. 
      33.  Severability:  If a court of competent jurisdiction finds any part of this Agreement  What will happen after we receive your letter 
      illegal or unenforceable, the remaining portions of the Agreement will remain in effect  When we receive your letter, we must do two things: 
      as written after any such illegal or unenforceability porting is amended in compliance  (a) Within 30 days of receiving your letter, we must tell you that we received your 
      with applicable law or, if necessary, voided.  letter. We will also tell you if we have already corrected the error.  
      34.  Entire Agreement:  This version of the Agreement replaces any previous  (b) Within 90 days of receiving your letter, we must either correct the error or explain to 
      versions of the Agreement.  The Agreement, as modified by any change in terms we  you why we believe the bill is correct. 
      may deliver from time to time in accordance with applicable law, constitutes the entire  While we investigate whether or not there has been an error 
      agreement between you and us, and supersedes any prior negotiation or  (a) We cannot try to collect the amount in question, or report you as delinquent on that 
      understanding between you and us concerning the subject matter of the Agreement.  amount 
      35.  Waiver:  We do not give up our rights under the Agreement or applicable law  (b) The charge in question may remain on your statement, and we may continue to 
      when we fail to exercise or delay exercising these rights.  Our failure or delay to  charge you interest on that amount. 
      exercise any right or remedy we have against you does not mean that we waive that  (c) While you do not have to pay the amount in question, you are responsible for the 
      right.                                  remainder of your balance. 
      36.  Arbitration:  In requesting an Agreement from us and accepting the Agreement,  (d) We can apply any unpaid amount against your credit limit. 
      you agree that if a dispute of any kind arises out of this Agreement, either you or we  After we finish our investigation, one of two things will happen: 
      may choose to have that dispute resolved by binding arbitration.  If arbitration is  If we made a mistake 
      chosen by any party, neither you nor we will have the right to litigate that claim in court  (a) You will not have to pay the amount in question or any interest or other 
      or to have a jury trial on that claim, or to engage in pre-arbitration discovery, except as  fees related to that amount. 
      provided for in the arbitration rules.  In addition, you will not have the right to  (b) If we do not believe there was a mistake: You will have to pay the amount in 
      participate as a representative or member of any class of claimants pertaining to any  question, along with applicable interest and fees. We will send you a statement of the 
      claim subject to arbitration.  The Arbitrator�s decision will generally be final and  amount you owe and the date payment is due. We may then report you as delinquent 
      binding.  Other rights, that you would have if you went to court, may also not be  if you do not pay the amount we think you owe. 
      available in arbitration.  It is important that you read the entire Arbitration Provision  If you receive our explanation but still believe your bill is wrong, you must write to us 
      carefully before accepting the terms of this Agreement.  within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
      Any claim, dispute, or controversy (whether in contract, regulatory tort, or otherwise,  as delinquent without also reporting that you are questioning your bill. We must tell you 
      whether pre-existing, present, or future and including constitutional, statutory, common  the name of anyone to whom we reported you as delinquent, and we must let those 
      law, intentional tort, and equitable claims) arising from or relating to (a) the Card it  organizations know when the matter has been settled between us. 
      offered or provided to you; (b) the actions of you, or third parties; or (c) the validity of  If we do not follow all of the rules above, you do not have to pay the first $50 of the 
      this arbitration provision individually and collective, (a �Claim�) must, after an election  amount you question even if your bill is correct. 
      by you or us, be resolved by binding arbitration in accordance with this arbitration   
      provision and the Commercial Arbitration Rules of the American Arbitration Association  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
      (�AAA�) in effect when the Claim is filed (or, in the event this arbitrator or these  If you are dissatisfied with the goods or services that you have purchased with your 
      arbitration rules are no longer available, then a comparable substitute arbitration  credit card, and you have tried in good faith to correct the problem with the merchant, 
      procedure and/or arbitration organization that does business on a nationwide basis).   you may have the right not to pay the remaining amount due on the purchase. 
      There shall be no authority for any Claim to be arbitrated on a class action basis.  An  To use this right, all of the following must be true: 
      arbitration can only decide our or your Claim and may not consolidate or join the  (a) The purchase must have been made in your home state or within 100 miles of your 
      claims of other persons who may have similar Claims.  You may obtain rules and  current mailing address, and the purchase price must have been more than $50. 
      forms by calling the AAA at 1-800-778-7879.  Any arbitration hearing that you attend  (Note: Neither of these are necessary if your purchase was based on an advertisement 
      will take place in the federal judicial district where you reside.  At your request, we will  we mailed to you, or if we own the company that sold you the goods or services.) 
      advance the first $250.00 of the filing and hearing fees for any Claim you may file  (b) You must have used your credit card for the purchase. Purchases made with cash 
      against us.  The arbitrator will decide whether we or you will ultimately pay those fees.   advances from an ATM or with a check that accesses your credit card account do not 
      The arbitrator shall apply applicable substantive law consistent with the Federal  qualify. 
      Arbitration Act (FAA) and applicable statutes of limitation, and shall honor claims of  (c) You must not yet have fully paid for the purchase. 
      privilege recognized at law.  Judgment upon the award rendered by the arbitrator may  If all of the criteria above are met and you are still dissatisfied with the purchase, 
      be entered in any court having jurisdiction.  This Arbitration Provision shall survive  contact us in writing [or electronically] at: 
      repayment of your extension of credit and termination of your Account.  The Arbitration    eServices Department 
      Provision shall be governed by the FAA, 9 U.S.C. �1 through �6.    Hills Bank and Trust Company 
                                                     131 Main Street 
      YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE         P.O. Box 160 
      This notice tells you about your rights and our responsibilities under the Fair Credit         Hills, Iowa 52235 
      Billing Act.                                www.HillsBank.com 
      37. What to do if you find a mistake on your statement  While we investigate, the same rules apply to the disputed amount as discussed 
      If you think there is an error on your statement, write to us at:  above. After we finish our investigation, we will tell you our decision. At that point, if we 
           eServices Department              think you owe an amount and you do not pay, we may report you as delinquent. 
           Hills Bank and Trust Company        
            131 Main Street 
            P.O. Box 160 
            Hills, Iowa 52235 
           You may also want to contact us at www.HillsBank.com.  
                                                                       Effective 10/05 | Revision 12/15 
                                           4 
                                                                       
                                      � 
      Hills Bank                 Visa  Platinum Credit Card Agreement
                                             Rates and Fees Table
      and Trust Company
                   INTEREST RATES AND INTEREST CHARGES
      Annual Percentage       3.9% introductory APR for the ?rst seven billing cycles.  After that your 
      Rate (APR) for Purchases/              
                              APR will be 5.50% to 12.50%, based on your credit worthiness.  
      Balance Transfers 
                              This APR will vary with the market based on the Prime Rate.
      APR for Cash Advances   12.50% this APR will vary with the market based on the Prime Rate.
      How to Avoid Paying                  Your due date is at least 25 days after the close of each billing     
      Interest on Purchases   cycle. Hills Bank will not charge you any interest on purchases if 
                              you pay your entire balance by the due date each month.
      Minimum Interest Charge If you are charged interest the charge will be no less than $0.50.
      For Credit Card Tips from  To learn more about factors to consider when applying for or using
      the Federal Reserve Board a credit card, visit the website of the Consumer Financial Protection 
                              Bureau at http://www.consumer?nance.gov/learnmore.
                                        FEES
      Annual Fee              No annual fee.
      Transaction Fees
      � Cash Advance          � Either $5.00 or 3.00% of the amount of each cash advance,   
                                whichever is greater, with a maximum fee of $15.00.
      � Foreign Transaction   � 1.0% when a currency conversion occurs. 0.8% when a              
                                currency conversion is not performed.
      Penalty Fees
      � Late Payment          � up to $27.00
      � Returned Payment      � up to $27.00
      � Returned Convenience Check � up to $35.00
     How we will calculate your balance: 
     �  We use a method called �average daily balance (including new purchases)�
     Prime Rate: 
     �  Variable APRs are based on the 3.50% Prime Rate as of December 17, 2015.
     �  For the introductory rate, we add 0.40% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly 
        periodic rate currently 0.32500%).
     �  We add 2.0% to 9.0% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate 
        currently 0.45833% to 1.04167%).
     �  We add 9.0% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.04167%).
     Billing Rights: 
     �  Information on your rights to dispute transactions and how to exercise those rights is provided in the attached                                
        account agreement. 
                      eServices Department � 131 Main St � PO Box 160 � Hills, IA 52235 � 1-800-445-5725 
               Cedar Rapids Downtown � Cedar Rapids Northeast � Cedar Rapids Southwest � Coralville � Hills � Iowa City Downtown � Iowa City Eastside 
              Iowa City South Gilbert � Kalona � Lisbon � Marion � Mount Vernon � North Liberty � Washington � Wellman � Member FDIC � HillsBank.com
                                                                              Rev. 12/15