NO POSTAGE NECESSARY UNITED STATES       il   uilding a successful financial Whan you use the... plan takes the right resources. 6 Pinnacle Bank That's why we work hard to     . . F : Visa® or Visa® Gold Credit Card for provide you with quality financial services the purchase of goods or services, the and products. Like our convenient, following benefits are yours! . 1 . ' TRAVEL ACCIDENT INSURANCE flexible Visa® & Visa® Gold Credit Cards. You, your spouse and dependent children up to age 19 {age 25 ifa full-time , . student at any insiltute of higher learning) are automatically covered with It's accepted at thousands of locations common cairler travel accldent Insurance every time you travel by alt, bus, tain, ship, taxi, o7 any other common carrer anywhere ln the wotld when you worldwide for just about any type of charge your entire fare to ou card, This coverage Is provided ta you at NO EXTRA COST, Not FOIC Insured, Hot Insured by any Federal Goverament Agency, Nota purchase you can dream up. Our card Deposit, Not Guaranteed by the Bank, May godown in value. ' . ' SCORECARD® BONUS POINTS comes with the personal, friendly service Earn Bonus Points for every net retail purchase you make with ou Pinnacle 1 Sank Credit Card? Vou can redeem Bonws Points for brand-name merchandise you've come to expect from us. So, and exciting travel awards, Visil www.scorecardrewards.cam and browse the . curtent award selectfons. You'll be amazed at what ScoreCard” has to offer! whatever your plans, choose the credit Tofing out how the plan works, ask ane of our frlendly representatives. Your . polits are good for 3 yenrs fram the date eared and will expire at card that gives you all the value and that time ff nat redeemed, ‘ With Visa® buying power you need to get your ADVANTAGE BASIC projects off the drawi ng board, + Travel Reseavatlon Service + Payment Card Registration + Bones Iravel Dividends + Quarteily Newsletter + Vislon Care Discounts + Key Registration + Prescription Discounts + Auto Rental Insurance App ly for yours today. t Hot FDIC Insured, Not Insured by any Federal Goverment Agency, Note Deposit, Not Guaranteed by the Bank, May go down in value. With Visa® Gold ADVANTAGE - COMPLETE Travel Raservaiton Service + Quarterly Newsletter Bonus Travet Dividends + Rey Reqktration Concerge Services » Auto Aental Discount Autornobite Rental Insurance « Travel Protection + Personal Shopper Yislon Care Discounts ~ Lost Luggage Locator Service Weeofogabatenead! cet lea Mela               BANKCARD DEPARTMENT 7000 ADAMS STREET LINCOLN, NE 68507-9904   BUSINESS REPLY MAIL FIRST-CLASS MAIL PERMITNG.97 UNCOLN, NE POSTAGE WILL BE PAID BY ADDRESSEE            ‘ » Prescription Discounts ~ Lost of Damaged Luggage = J + Medial Assistance Services insurance 6 Pinnacle Bank + Payment Card Registration ~ Hotel-Motet Burglary Insurance , ‘Member FDIC Not FDIC Insured, Not Insured uy any Federal Goverament Agency, Nota     Deposit, Not Guaranteed iby the Bank, May go down In value,   6 Pinnacle Bank Menbar FDIC Cotte BAAD          Interest Rates anc Interest Charges Visi” Gatd 16.99% 10.99% Annual Percentage Rate (APR) for Purchases Cred fed 8 APR for Balance Tranafare 18.80% ‘10.00% y APR for Cash Advances 13.90% 10.00%     Ponalty APR and When ItApplles Nono   Paylng Interest interest on retail purchases if you pay your entire balance by   Minium interest Charge NIA Your due date Is at least 25 days afler tha close of each bing cycle. We wil nol chatge you je due date. We relly charging interest on cash advances and/or balance transfers on ihe transaction date.   For Cradit Gard Tips from the Consumer Financlal Protaction Buraau Anngal Fea NA           Transaction Fees + Balance Transfer 2.0% of tho amount transferred. + Cash Advances 2.0% of ihe amount advanced ($2.00 minimum) 1.0% of each reull-currency transaclicn In U, 8, Dollars or * Foreign Transaclion 6.80% of each single-currancy tranaaclion in U.S. Dollars   Ponally Fees + Late Payment Up to $25.40 + Over-the-Credit-Limt None Nons + Relurned Payment   Other Fees     $10.00 per occurrence i! processed wilh a live rapresantative. No charge if proosssed       O bidiiduat Account Oot Account [i feeb co-applicant and signatures section) G Credil Line Increase     Check A t Cholce: GREDIT APPLICATION acest Aeanant ale: Credit Limit Requesled $ Cheek Gerd Ghoien Cvigat Gives? Gag   IMPORTANT INFOAMATION ABOUT PROCEDURES FOR OPENING A NEW ACOGUAT To help the gavernenaal fight lis funding of lero aad money laurde ond fs i mn bo opens 82 AocounL Wiel Lhis means to you: When you soen anAceaunt, we wit esk Tor your name, eddrass, dala al Dirt, and olher lit ot ni insShutions (¢ obtaln, vertly end record information iat Wentifes each person who ft Maas , Wa may pio oak te 9c0 acdhites, Faceral favre require all Rianclal                                                                            GGesit Cod             Amountle ba tenstered $   Cast Narn Fini nate ‘Soolal Seurity Rumber Dale ot Binh | No. of Dapendonts Home Fore | a Prema on Rent Stee Moathly Payment $ i Coment Address City Stale Bp Code How Long {ya} i Boling Addrers (d dterunl kom above} Gy State Ep Cade How Long (ya) a Premous Address (H loss than 2 years ol present ectdress} ty Slato Bp Code How Long (yrs) Employer Sat Empoyed ‘Work Phone Howl ts Ei Oi Ge ry rats} “4 heiress Posbonooospalion Monthly Gross troae $ Es Name and Addoss of Previous Emptoyar (if ass usar 2 yore of pragonl onployer) How Long (y75} 5 Soutoe of Additional lacome: Income trom al’mony, child support or aepareto Amount por Month § malienanca need nol be ravaaied Hit is not considared In delormining ceeditvartiinass Kearos] Relate {Not thing Wah You} am rene Relatoaghlp Los! Namo Fist Tage Solel Security Numdor ga Dato of Bldh | No. of Dapendants fone Prono [f Fro Onn Ront Ofer Honthtly Paymoal $ 3 i Gunaaladaross Cty Stato ap Gade Towlong {ra} = Brel Provious Addresa (loss thon 2 yoare ot present addeoxs) lly Slate Zp Goda How Lore (yrs) aL” (employer Sole Tork Phece Howd O- ploy Selempined Wok ng (yra} Address: PositioryOecupation iochly Gross Inoomne $ D_, | Noma ond Addrass of Credilor Blame under Walon Ancoanl le Carted ‘Aggounl Humber Brlancs Fioniniy Paymem & | 1. Homa Morigage/Renl & a 2, Bank Meme & Branch Location ahi NA o PLEASE AEAD THE FOLLOWING CAREFULLY BEFORE SIGHING: This I and thxg carly that al Is trys and complaly. lita eqie that Tne nay be mada le verity Information and that credit celorances or veriécallon may do gen bared oa laquides Jiom alr parte, Thla offer Ts subject la tha credit polices of tite inaliiviion. We 2 ree Lo be bound by the towns and conditions of Lhe cardholder agreoment, a copy of whton vil da milled fa tho applicont if iis. an Is grantod, recolat of such pgrcemant ond acoaptance cal such terms fo be conclustvaly ofosumed by tha applicant's use, If you inland to apply for joint credit, Lhe undorsigaed shail ba folnily and severally Hable lor any and all credil extended from Baa to 3 ima, We may your ha cred bureaus. Lala payments, méssad payments, or ainer dafaulils on you! aocounl may da sofactad fh your ered reper. x x ean tur [a if Dole 4 Upon approval, | wish (o vansfer my presan! balance on lhe <redil card ecoounl(s) lialed below to my now credit card aocounl       Date Aporoved Credit Line        Approved By       Bilting Rights: informalion on your aghis to-dispute anaaclions and how lo exerciue those righls ts provided [a your accounl agree AGENT ID 4 000060 * int Fe Telephone Payment Fea through the automated system, L = 7 , incl ” F Taccounlagresmenl, | itmacte Bank, Ltucoin, NE 68529-9900 FOLD AND SECURE WITH TAP FOR AIAIUING Appliectton O2009 FISE OSE How W4 Will Calculate Your Batence: Wouse-a method callad “average daily belance’ ning now purchasos)." An Saplanaticn of tls malned is provided in you ye i Al coitents uce accurate atthe Hue of privting, for changes ther may have heen mace after prtoitag please cil 4800) 261-8552. HYOUR BILLING RIG > 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 H 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: * Account Information: Your name and account number. = Dollar Amount: The dollar amount of the suspected error. * Description of Problem: If you think there is an error on your bill, describe whatyou believe is wrong and why you believe it is a mistake, You must contact us: * Within 60 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, i 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 7 you do, we are not required to investigate any potential errors and you may have te pay the amount In question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we teceive your letter, we must do two things: 1. Within 30 days alter receiving your letter, we must tell you that we received your letter. We wilt alse 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 comect. While we investigate whether or not there has been an error: * We cannot try to collect the amount 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 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 T: : You will not have to pay the amount in question or any interest or other fees related to that ammount. * i i: : You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement af the amount you owe and the date payment is due. We may then report you as delinquent # you do not pay the amount we think you awe, Hf you receive our explanation byt still believe your bill is wang, you must write to us within 10 days telling us that you still refuse to pay. H 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 setied 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 Hf 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 miles of your current mailing address, and the purchase price must have been more than $50. {Note: Neither of these ate necessary if your purchase was based on an advertisement we mailed te 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 from an ATM of with a check that accesses your credit card account do not qualify. 3. You riust not yet have fully paid for the purchase. Kf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wtiting (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 paint, if we think you owe an amount and you do 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 ail 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 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 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 shawn 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 raxirmum 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. £. 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 te 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 Payrnent 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. |, 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 uniawlul. 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).