Annual Percentage Rate 0.0%
(APR) for Purchases

APR for Initial Balance
Transfer

0.0%

APR for Cash Advances 0.0%

19.9%

19.9%

Paying Interest

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Set-up and
Maintenance
Fees

Transaction Fees

Penalty Fees

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

None

$84.00

$6.00

5%

3%

$38.00

$35.00

How We Will Calculate Your Balance:

Billing Rights:

FEES AND INTEREST CHARGES:

Periodic INTEREST CHARGES: INTEREST CHARGES
INTEREST CHARGES

INTEREST CHARGES

FEES AND INTEREST CHARGES:

INTEREST CHARGES

Computing Periodic INTEREST CHARGES:

INTEREST CHARGE

INTEREST CHARGES

ANNUAL PERCENTAGE RATE

ANNUAL PERCENTAGE RATE

ANNUAL PERCENTAGE RATE (APR)

well as Purchases and Cash Advances.

ANNUAL PERCENTAGE RATE

This ANNUAL PERCENTAGE RATE will be applied to fees assessed to your Credit Account as

Minimum INTEREST CHARGE:

INTEREST CHARGE

INTEREST CHARGE

Monthly Fee (Formerly know as Monthly Servicing Fee):

Cash Advance Fee:

INTEREST CHARGE

Foreign Currency Transaction Fee:
Late Fee:
Return Item Charge:

Additional Card Fee:

Credit Limit Increase Fee:

OTHER CHARGES:

Copying Fee:
Credit Insurance:
Express Delivery Fee:
Wire Transfer Fee:
Minimum Payment: Cutoff Time and Form of Payment:

See the Credit Card Contract for further information regarding this
Credit Account. Retain these important documents.

Account obligation upon you, your estate and your personal representatives.
Our Liability To You: We have no liability to you, other than as placed on us by 
law. We will meet our duty to care for your Credit Account(s) under reasonable 
banking  procedures.  Our  mere  clerical  error  or  honest  mistake  will  not  be 
considered a failure to perform any of our obligations.
Transactions in Foreign Currencies: If you make a transaction in a foreign 
currency,  it  will  be  converted  into  U.S.  dollars,  and  you  agree  to  accept  the 
converted  amount.  Visa  USA,  Inc.  or  MasterCard  International,  Inc.  will  use 
its currency conversion procedures in effect when processing the transaction. 
The  currency  conversion  rate  will  be  a  rate  selected  by  Visa  or  MasterCard, 
as applicable, from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate 
Visa or MasterCard itself receives, or the government-mandated rate in effect 
for  the  applicable  central  processing  date,  in  each  instance,  plus  a  foreign 
currency  transaction  fee  in  the  amount  disclosed  on  your  Account  Opening 
Disclosures printed on the card carrier containing your Card. This fee will be paid 
to us and applied to all transactions posted to your Credit Account in a foreign 
currency, including all Purchase transactions, Cash Advance transactions, ATM 
transactions and returns and adjustments (e.g., for returned merchandise). The 
currency conversion rate used on the processing date may be different than the 
rate that was in effect on the date you conducted the transaction. We do not 
set the currency conversion rate, and we do not receive any portion of it. We 
do, however, receive a foreign currency transaction fee as disclosed on your 
Account Opening Disclosures printed on the card carrier containing your card.
Prohibition  on  Gambling  and  Illegal  Transactions:  Your  Card  and  Credit 
Account may not be used in connection with any gambling transaction (whether 
legal or illegal). Also, your Card and Credit Account may be used only for valid 
and  lawful  purposes.  If  you  use,  or  allow  someone  else  to  use  your  Card  or 
Credit Account for any unlawful purpose or for any gambling transaction, you will 
be responsible for such use and may be required to reimburse us for all amounts 
or expenses we pay as a result of such use.
Call Recording: You agree and consent that we will record and may monitor 
any calls between you and us. This includes both calls to and originated by First 
PREMIER Bank, PREMIER Bankcard, LLC, our parent corporation, or any of our 
affiliates, agents, independent contractors or service providers.

YOUR BILLING RIGHTS
KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement: If you think there is an 
error on your statement, write to us at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
(You may also contact us on the Web:  www.mypremiercreditcard.com.)
In your letter, give us the following information:
• Account information: Your name and Credit 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 what 
you 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.
• At least three business days before an automated payment is scheduled, if you 
want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing (or electronically). You may 
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 of 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 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:
• If we made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount.
• If we do not believe there was a mistake: 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 do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled 
between us.
If we do not follow all of the rules above, you do not have to pay the first $50.00 
of the amount you question even if your bill is correct.
Your  Rights  If You Are  Dissatisfied  With Your  Credit  Card  Purchases:  If 
you are dissatisfied with the goods or services that you have purchased with 
your credit Card, and you have tried in good faith to correct the problem with 
the 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 $50.00.  (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 from an ATM or with a check that accesses your Credit 
Account do not qualify.
(3)  You must not yet have fully paid for the Purchase.
If all of the criteria above are met and you are still dissatisfied with the Purchase, 
contact us in writing (or electronically) at:
     First PREMIER Bank
     P.O. Box 5524
     Sioux Falls, SD 57117-5524
     www.mypremiercreditcard.com
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, if we think you owe an amount and you do not pay, we may report you 
as delinquent. 
Your Liability for Unauthorized Use of Your Credit Account: You will not be 
liable for unauthorized use of your Card or Credit Account. However, to protect 
your rights, you are required to notify us orally or in writing as soon as you are 
aware that your Card or Credit Account has been lost, stolen or used without 
your consent. Certain exceptions apply. To notify us of the loss, theft or possible 
unauthorized use of your Card, call us at 1-800-987-5521, 24 hours a day. 

STATE DISCLOSURES
California  Residents:  A  married  applicant  may  apply  for  a  separate  Credit 
Account.  As  required  by  law,  you  are  hereby  notified  that  a  negative  credit 
reporting  reflecting  on  your  credit  record  may  be  submitted  to  a  Consumer 
Reporting Agency if you fail to fulfill the terms of your credit obligations. After 
credit approval, each applicant shall have the right to use the Credit Account 
up to the limit of the Credit Account. Each applicant may be liable for amounts 
extended under the plan to any joint applicant.

Delaware Residents: Service charges not in excess of those permitted by law 
will be charged on the outstanding balances from month to month.
Kentucky Residents: You may pay the unpaid balance of your Credit Account 
in whole or in part at any time.
Maine Residents: Credit insurance provided herein is voluntary and you have 
the right to cancel such credit insurance at any time.
Maryland Residents: Finance charges will be imposed in amounts or at rates 
not in excess of those permitted by law.
Vermont Residents: First PREMIER Bank may obtain a consumer report for any 
legitimate purpose in connection with your Credit Account or your application, 
including but not limited to reviewing, modifying, renewing and collecting on your 
Credit Account. Upon your request, we (First PREMIER Bank) will inform you 
of the names and addresses of any Consumer Reporting Agencies that have 
furnished the reports.
Ohio Residents: The Ohio laws against discrimination require that all creditors 
make credit equally available to all credit worthy customers, and that Consumer 
Reporting Agencies maintain separate credit histories on each individual upon 
request.  The  Ohio  Civil  Rights  Commission  administers  compliance  with  this 
law.
Married Wisconsin Residents: No provision of any marital property agreement, 
unilateral statement, or court order applying to marital property will adversely 
affect a creditor’s interests unless prior to the time credit is granted, the creditor 
is  furnished  with  a  copy  of  the  agreement,  statement,  or  court  order,  or  has 
actual knowledge of that provision.
Washington Residents: A service charge will be computed on the outstanding 
balance for each month. You may at any time pay your total unpaid balance.

ARBITRATION AND LITIGATION
This  Arbitration  Provision  (“Provision”)  facilitates  the  prompt  and  efficient 
resolution of any disputes that may arise between you and us. Arbitration is a 
form of private dispute-resolution in which persons with a dispute waive their 
rights to file a lawsuit, to proceed in court and to a jury trial, and instead submit 
their disputes to a neutral third person (an arbitrator) for a binding decision. You 
have the right to opt out of this Provision, which means you would retain your 
right to litigate your disputes in a court, either before a judge or jury. To exercise 
your right to opt out you must provide us with written notice no later than 30 days 
after your Credit Account is first opened. If we do not receive your written notice 
within that time frame, your rights to opt out will terminate, and you agree that 
the provisions of this section will apply.
PLEASE  READ  THIS  PROVISION  CAREFULLY.  IT  PROVIDES  THAT  ALL 
DISPUTES ARISING OUT OF OR CONNECTED TO THIS CONTRACT SHALL 
BE  RESOLVED  BY  BINDING  ARBITRATION.  ARBITRATION  REPLACES 
THE RIGHT TO GO TO COURT. IN THE ABSENCE OF THIS ARBITRATION 
AGREEMENT,  YOU  AND  WE  MAY  OTHERWISE  HAVE  HAD  A  RIGHT  OR 
OPPORTUNITY  TO  BRING  CLAIMS  IN  A  COURT,  BEFORE  A  JUDGE  OR 
JURY  AND/OR  TO  PARTICIPATE  IN  OR  BE  REPRESENTED  IN  A  CASE 
FILED IN COURT BY OTHERS (INCLUDING, BUT NOT LIMITED TO, CLASS 
ACTIONS).  EXCEPT  AS  OTHERWISE  PROVIDED,  ENTERING  INTO  THIS 
AGREEMENT  CONSTITUTES  A  WAIVER  OF  YOUR  RIGHT  TO  LITIGATE 
CLAIMS AND ALL OPPORTUNITY TO BE HEARD BY A JUDGE OR JURY.
Parties and Matters Subject to Arbitration: For purposes of this Provision, 
“you”  and  “us”  include  the  employees,  parents,  subsidiaries,  affiliates, 
beneficiaries, agents and assigns of you and us. For purposes of this Provision, 
“Claim” means any claim, dispute or controversy by either you or us, arising out of 
or relating in any way to this Contract, this Provision (including claims regarding 
the applicability, enforceability or validity of this Provision), your Credit Account, 
any transaction on your Credit Account and our relationship. “Claim” also refers 
to any interaction or communication between you and us that occurred prior to 
or concurrent with entering into this Contract, including those now in existence, 
regardless of present knowledge. “Claim” shall refer to claims of every kind and 
nature, including, but not limited to, initial claims, counterclaims, cross-claims 
and third party claims. All Claims are subject to arbitration, regardless of legal 
theory and remedy sought, including, but not limited to, claims based in contract, 
tort (including negligence, intentional tort, fraud and fraud in the inducement), 

agency, statutory law (federal and state), administrative regulations or any other 
source of law (including equity).
Agreement to Arbitrate: Any Claim arising out of or relating to this Contract, or 
the breach of this Contract or your Credit Account, shall be resolved and settled 
exclusively and finally by binding arbitration, in accordance with this Provision. 
Binding arbitration shall not be required, however, for collection actions by us 
relating to your Credit Account. Furthermore, both you and we retain the right to 
pursue in a small claims court any Claim that is within that court’s jurisdiction, 
provided the Claim proceeds on an individual basis. However, only a court of 
law, not an arbitrator, shall determine the validity and effect of this Provision’s 
prohibition of class arbitration. For any Claims covered by this Provision, a party 
who asserted a Claim in a lawsuit in court may elect arbitration with respect to 
any Claim subsequently asserted in that lawsuit by any other party.
Voluntary Waiver of the Right to a Jury Trial and Class Action Participation: 
As a result of this Provision, neither you nor we have the right to litigate any 
Claim  in  court  or  the  right  to  a  jury  trial  on  any  Claim,  except  as  provided 
above.  YOU  AGREE  THAT  YOU  ARE  VOLUNTARILY  AND  KNOWINGLY 
WAIVING ANY RIGHT YOU MAY HAVE TO GO TO COURT OR TO HAVE A 
JURY TRIAL. FURTHERMORE, NEITHER YOU NOR WE MAY SERVE AS A 
REPRESENTATIVE, A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER 
REPRESENTATIVE  CAPACITY.  SIMILARLY,  NEITHER  YOU  NOR  WE  MAY 
PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS IN A LAWSUIT 
OF ANY CLAIM.
Prohibition  of  Class  Arbitration:  All  Claims  shall  be  resolved  by  binding 
arbitration on an individual basis. Claims made and remedies sought as part 
of  a  class  action,  private  attorney  general  or  other  representative  action  are 
subject  to  arbitration  on  an  individual  (non-class,  non-representative)  basis. 
Therefore, the arbitrator has no authority to conduct class-wide proceedings and 
will be restricted to resolving individual Claims. UNDER THIS ARBITRATION 
PROVISION THERE IS NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO 
BE ARBITRATED ON A CLASS BASIS. Arbitration will only be conducted on 
an  individual  Claim  basis  and  there  is  no  right  or  authority  to  consolidate  or 
join any of your Claims with any other Claims. YOU AGREE THAT YOU ARE 
VOLUNTARILY AND KNOWINGLY WAIVING ANY RIGHT TO PARTICIPATE 
AS  A  REPRESENTATIVE  OR  MEMBER  OF  ANY  CLASS  OF  CLAIMANTS 
PERTAINING  TO  ANY  CLAIM  SUBJECT  TO  ARBITRATION  UNDER  THIS 
PROVISION.
Governing Law: This agreement to arbitrate is made pursuant to a transaction 
involving interstate commerce and shall be governed by the Federal Arbitration 
Act,  9  U.S.C.  §§  1-16,  as  it  may  be  amended.  If  for  any  reason  the  Federal 
Arbitration Act does not apply, the substantive law of the State of South Dakota 
shall govern this Provision.
Arbitration  Location  and  Procedure:  Any  arbitration  hearing  at  which  you 
wish to appear will take place at a location within the federal judicial district that 
includes your billing address at the time the Claim is filed. The party bringing the 
Claim may file its Claim at the American Arbitration Association (“AAA”) or an 
arbitration  organization  mutually  agreed  upon  by  both  parties. The  arbitration 
organization  that  is  selected  will  administer  the  arbitration  pursuant  to  its 
procedures in effect at the time of filing, subject to this Provision. If you do not 
agree to file your claim with AAA, and the parties cannot agree on an alternative 
arbitration organization, an arbitrator will be appointed by a court pursuant to the 
Federal Arbitration Act. In the event of a conflict or inconsistency between the 
respective organization’s rules and this Provision, this Provision shall govern. 
The arbitration will be conducted before a single arbitrator, whose authority is 
limited solely to individual Claims between you and us. The arbitration will not 
be consolidated with any other arbitration proceeding. Any decision rendered in 
such arbitration proceeding will be final and binding on the parties and judgment 
may  be  entered  in  a  court  of  competent  jurisdiction.  The  rules  and  forms  of 
AAA may be obtained as follows; American Arbitration Association, (1-800-778-
7879), 335 Madison Avenue, Floor 10, New York, NY 10017, website at www.
adr.org.
Arbitrator’s Authority: The arbitrator shall apply the applicable substantive law, 
consistent with the Federal Arbitration Act; shall apply statutes of limitation; and 
shall honor claims of privilege recognized at law. In conducting the arbitration 

proceeding,  the  arbitrator  shall  not  apply  any  federal  or  state  rules  of  civil 
procedure  or  evidence.  PURSUANT  TO  THIS  ARBITRATION  PROVISION, 
THERE  IS  NO  RIGHT  TO  ENGAGE  IN  PREARBITRATION  DISCOVERY 
EXCEPT AS PROVIDED FOR IN THE RULES AND PROCEDURES OF THE 
RESPECTIVE CHOSEN NATIONAL ARBITRAL ORGANIZATION. Either party 
may, however, request to expand the scope of discovery. If a request is made, 
within 15 days of the requesting party’s notice, the objecting party may submit 
objections to the arbitrator with a copy of the objections provided to the party 
requesting expansion. The grant or denial of a party’s request will be in the sole 
discretion of the arbitrator, who shall notify the parties of the final decision within 
20 days of the objecting party’s submission.
The Arbitrator’s Award: The arbitrator has the ability to award to the prevailing 
party all remedies available at common law, by statute or in equity, including 
injunctive  relief,  declaratory  relief,  arbitration  costs  and  attorney  fees.  The 
arbitrator shall not, however, have authority to award any punitive damages. YOU 
AND WE AGREE THAT PUNITIVE DAMAGES ARE NOT RECOVERABLE IN 
ANY ARBITRATION  OR  OTHER  PROCEEDING  UNDER  THIS  CONTRACT 
EXCEPT  TO  THE  EXTENT  PUNITIVE  DAMAGES  WOULD  BE AVAILABLE 
IN LITIGATION. For awards not in excess of $5,000.00, upon the timely request 
of any party, the arbitrator shall provide a brief written explanation of the basis 
for the award. In the event an award exceeds $5,000.00, or in which there is a 
request for equitable relief with a potential financial impact or value in excess 
of $5,000.00, the award of the arbitrator shall be in writing and shall specify the 
facts and the law on which it is based. In such case, the arbitrator’s findings of 
fact must be supported by substantial evidence and the arbitrator’s conclusions 
of law must not be based on legal error or be erroneous under the applicable 
substantive law. Further, in addition to the Federal Arbitration Act’s grounds for 
vacation, modification or correction of the arbitrator’s award, the parties shall 
have the right to judicial review of the arbitrator’s award to determine whether the 
arbitrator’s findings of fact are supported by substantial evidence and whether 
the  arbitrator’s  conclusions  of  law  are  based  on  legal  error  or  are  erroneous 
under the applicable substantive law. Judgment upon the award rendered by 
the arbitrator may be entered in any court having jurisdiction thereof. However, 
if  the  award  is  in  excess  of  $5,000.00,  judgment  may  be  entered  only  upon 
determination by the court that the award is supported by substantial evidence 
and is not erroneous or based on legal error. 
Expenses: Regardless of who demands arbitration, we will pay all expenses 
of  arbitration,  including  the  filing,  administrative,  hearing  and  arbitrator’s  fees 
(“Arbitration Fees”), to the extent that the Arbitration Fees exceed the amounts 
you  would  be  required  to  pay  for  filing  a  lawsuit  in  a  court.  Throughout  the 
arbitration, each party shall bear his or her own attorney fees and expenses, 
such as witness and expert witness fees. If you prevail in the arbitration of any 
Claim against us, we will reimburse you for any fees you paid to the arbitration 
organization in connection with the arbitration.
Binding  Effect  and  Survival:  You  and  we  agree  that,  except  as  specifically 
provided for above, the arbitrator’s decision will be final and binding on all parties 
subject to this Provision. This Provision is binding upon you, us, and the heirs, 
successors, assigns and related third parties of you and us. This Provision shall 
survive termination of your account, whether it be through voluntary payment of 
the debt in full by you, a legal proceeding initiated by us to collect a debt that you 
owe, a bankruptcy by you or a sale of your Credit Account by us.
Severability: If any portion of this Provision is deemed invalid or unenforceable 
under  any  law  or  statute  consistent  with  the  FAA,  such  a  finding  shall  not 
invalidate  any  remaining  portion  of  this  Provision,  the  Contract  or  any  other 
agreement  entered  into  by  you  with  us.  However,  the  prohibition  on  class 
arbitration is not severable from the remainder of this Provision. In the event that 
a court deems the prohibition on class arbitration to be invalid and unenforceable, 
any subsequent class action or representative proceeding shall be in a court of 
law and will not be subject to binding arbitration.

M-121048 

IDT 

05/17

First PREMIER Bank
CREDIT CARD CONTRACT AND 
ACCOUNT OPENING DISCLOSURES (cont’d)
This  Contract  explains  the  terms  and  conditions  of  your  Credit Account  with 
us,  including  important  provisions  relating  to  arbitration  and  litigation.  For 
additional  important  information  on  fees  and  INTEREST  CHARGES  and 
other contract provisions that apply to your Credit Account, please review 
the Account Opening Disclosures printed on the card carrier containing 
your Card. Be sure to retain all Contract documents for future reference.

YOUR CONTRACT WITH US
Your MasterCard® or Visa® brand Credit Account is governed by the terms and 
conditions in this Contract and the Account Opening Disclosures printed on the 
card carrier containing your Card (“Contract”).
Applicable Law:  No matter where you live, our Contract with you and the terms 
of your Credit Account will be governed by the laws of the State of South Dakota 
and applicable federal law.
Certain Agreements and Waivers: You understand that you are acknowledging, 
confirming and ratifying the debt transferred to your Credit Account as an Initial 
Balance Transfer (“Old Debt”), to the full extent allowed by law, you are waiving 
any defense that would prevent us from collecting the Old Debt. The defenses 
you are waiving include a defense that the time may have expired for filing a 
lawsuit  to  collect  the  Old  Debt.  The  Statue  of  Limitations  requires  a  lawsuit 
be filed within a specific time after a debt is in default and would prevent the 
collection of the debt in a court of law if a lawsuit is not filed within the required 
time. You agree that this Contract: (1) serves as your written acknowledgement 
of the justness and accuracy of the Old Debt; (2) evidences your willingness 
and promise to pay the Old Debt pursuant to the terms of this Contract; and (3) 
serves as your signature to, and acceptance of, this Contract to the full extent 
required by any applicable law and establishes a written agreement between 
you and us. Even though your agreement to transfer the Old Debt to a Credit 
Account with us would allow us to sue you for non-payment of the Old Debt if 
you do not pay as agreed (as explained previously), we irrevocably agree that 
we will not sue for collection of any portion of the Old Debt at any time. We do 
not, however, waive our right to sue you for any balance other than the Old Debt, 
such as Purchases, Cash Advances, INTEREST CHARGES, costs and fees, 
that are created after your Credit Account is opened. You also understand that 
by transferring the Old Debt to a Credit Account with us, the Old Debt will be 
included in the balance on your Credit Account that we may report to Consumer 
Reporting Agencies. The Fair Credit Reporting Act prohibits reporting balances 
which were charged off more than seven years previously. By transferring the 
Old Debt to a Credit Account with us, the balance of the Old Debt will become 
a new obligation on your Credit Account which may be reported to Consumer 
Reporting Agencies beyond the seven-year period applicable to the Old Debt. 
You agree not to use this Credit Account unless you sign the back of your Card 
and accept the conditions of this Contract.
Effective Date: This Contract is effective upon the transfer of the Old Debt to 
your Credit Account as an Initial Balance Transfer. If, after reading this Contract, 
you do not agree to all terms hereof, you must notify us in writing within 30 days 
after we mail this Contract to you that you do not wish to be bound by the terms 
of the Contract and your Credit Account will be closed and the Initial Balance 
Transfer applied to your Credit Account will be reversed. The settled amount of 
the debt that had been transferred to your Credit Account will then be subject 
to  collection  efforts.  You  will  be  responsible  for  any  other  Purchase  or  Cash 
Advance applied to your Credit Account even if your Credit Account is cancelled 
as described in this paragraph. You may or may not be able to renegotiate a new 
settlement with the owner of the debt.

DEFINITIONS USED IN THIS CONTRACT
In this Contract, “we”, “us” and “our” each refer to First PREMIER Bank (the 
“Bank”).
“Authorized User” means any person authorized by you to use the Card or 
Credit Account.
“Billing  Cycle”  begins  on  the  day  after  the  Statement  Closing  Date  of  the 
previous  Statement  and  includes  the  Statement  Closing  Date  of  the  current 
Statement.
“Card” means all the plastic credit cards we issue to you or any other person 
who is authorized to use the Credit Account. In the event we issue other devices 
by which you can access your Credit Account, those devices will also be “Cards” 
for purposes of this Contract.
“Closing Date” means the last day of any Billing Cycle.
“Credit Account” means the credit card account that we open for you and the 
relationship that is established between you and us by this Contract. This Credit 
Account is used to record transaction activity made by you when you access or 
otherwise utilize the line of credit we extend to you when you use your Card.
“New Balance” means the outstanding balance of your Credit Account at the 
end of any Billing Cycle. The New Balance is the sum of the Previous Balance 
(defined as the New Balance shown on your last Statement) less payments and 
credits, plus new Cash Advances and Purchases and our charges posted during 
the Billing Cycle.
“Payment Due Date” means the date we must receive your payment, which is 
not less than 27 days from the Closing Date.
“Proper  Form”  means  that  a  payment  sent  by  mail  or  courier  follows  these 
guidelines:

•  Payments must be sent to the address on the payment coupon of your 

Statement.

•  Payments must be made by check or other negotiable instrument in U.S. 

dollars payable to First PREMIER Bank.

•  All checks or negotiable instruments must be drawn on a U.S. bank or at 

a U.S. branch of a foreign bank.

•  Payments must not be in the form of cash or third-party checks. 
•  Your  payment  coupon  must  be  included  with  your  payment.  If  your 
payment coupon is not included, your name and account number must be 
printed legibly on your check or negotiable instrument.

“Related Credit Account(s)” means any Credit Accounts established using the 
same Social Security Number.
“Statement” is a summary of your Credit Account activity provided to you at the 
end of each Billing Cycle.
“Total Minimum Amount Due” means the total minimum amount we request 
that you pay each month as indicated on your Statement. This amount includes 
the Minimum Payment, any Past Due Amount and any Amount Over Limit Due, 
which is the amount by which the New Balance exceeds your Credit Limit. (See 
the Minimum Payment provisions on the Account Opening Disclosures printed 
on the card carrier containing your Card for more information on how the “Total 
Minimum Amount Due” is calculated.)
“You” and “your” mean each and every person who is authorized to use the 
Credit  Account,  including  Authorized  Users,  joint  account  holders  and  other 
persons you authorize to use the Card. 
Other important words used in this Contract begin with capital letters. They are 
defined throughout this Contract.

USING YOUR CARD

Sign Your Card: Be sure to sign your Card before you use it.
If You Do Not Want the Card: If you do not want the Card and Credit Account, 
you must contact us by telephone or in writing asking us to close your Credit 
Account.
Do Not Give Your Card to Others: Cards may not be given to anyone else to 
use. Other people who want a Credit Account should apply separately.
Your Responsibility for Authorized Users: If another person is given access 
to your Credit Account with your express or implied permission, notwithstanding 
the provision above, that person is an Authorized User, even if we did not issue 
an additional Card in the Authorized User’s name. At your request, and if we 

agree, we may issue an additional Card in the name of an Authorized User with 
your Credit Account number.
You will be responsible for all charges, Cash Advances, INTEREST CHARGES, 
Purchases and fees incurred by any Authorized User. We are not required to try 
to obtain payment from any Authorized User before requiring payment from you. 
If you wish to remove an Authorized User from your Credit Account you must 
contact  us  either  by  telephone  or  in  writing.  You  will  still  be  responsible  for 
payment  of  all  Purchases,  Cash Advances,  INTEREST  CHARGES  and  fees 
incurred  or  obtained  by  the  Authorized  User.  We  may  close  your  existing 
Credit Account and issue you a new Card and account number. You and each 
Authorized  User  agree  that  we  may  report  account  information  to  Consumer 
Reporting Agencies in the names of both you and the Authorized User.
Lost or Stolen Cards: To protect your rights, you must notify us immediately at 
1-800-987-5521 if your Card is lost or stolen or if you suspect that it has been 
used or may be used without your permission. If your Card is reported as lost or 
stolen or you are claiming unauthorized use of your Credit Account or Card, we 
may require you to file one or more reports with the appropriate law enforcement 
agencies and us prior to our removal of possible unauthorized charges made 
against your Credit Account. You will not be liable for unauthorized use of your 
Card. Certain exceptions apply.
Refusal to Accept Your Card: We are not responsible if any person or merchant 
does not accept your Card, or if an ATM or other device fails to properly operate. 
All transactions, even when you get a receipt, are subject to our final verification.
Cards Are Our Property: You agree to return each Card issued on your Credit 
Account to us upon our demand.

USING YOUR CREDIT ACCOUNT
Your Promise To Pay: You agree to pay us for all charges, Cash Advances, 
INTEREST CHARGES, Purchases and fees incurred on your Credit Account 
by you, or by any Authorized User, as well as any other fees imposed by us, as 
explained in this Contract. If more than one person requests, accepts or uses the 
Credit Account, each and every person individually and jointly are responsible 
for payment until the account is paid in full.
Joint Account Holders: If this is a joint Credit Account, each person who signed 
the application: (1) may obtain Purchases and Cash Advances not to exceed the 
total credit limit; (2) will be responsible for paying all amounts owed; and (3) can 
close the Credit Account.
Accessing Your Credit Line: You can use the Card and your Credit Account to 
make Purchases and obtain Cash Advances. Upon your request, you may be 
assigned a Personal Identification Number (PIN). If a PIN is assigned to you, you 
can obtain a Cash Advance at any authorized ATM by using the Card and PIN.
Understanding Your Credit Limit:  Your “Credit Limit” is the maximum amount 
of credit we have approved for your Credit Account. Your Credit Limit is the same 
amount as your Initial Balance Transfer when you open your Credit Account, so 
you will not be able to use your card for other Purchases or Cash Advances until 
you make a payment. The amount of available credit at any time will be your 
Credit Limit minus the balance of your Initial Balance Transfer and any other 
Purchases, Cash Advances, INTEREST CHARGES, fees and other charges. 
When your Credit Account is first opened, your available credit will be $0 until 
you pay at least the total Minimum Amount Due. The amount of available credit 
will not necessarily be equal to the amount of payments made to your Credit 
Account  because  fees,  INTEREST  CHARGES  and  other  charges  may  be 
applied to your Credit Account. The amount of your Credit Limit is printed on 
the  card  carrier  containing  your  Card  and  on  your  Statements. Your  balance 
may not exceed your Credit Limit at any time. At our sole discretion, we may 
honor Purchases or Cash Advances in excess of your Credit Limit without raising 
your Credit Limit. If we do, we may require you to pay us any amount over your 
Credit Limit immediately. Decisions on Credit Limit increases may be based on 
your performance under this Credit Account and other Related Credit Accounts 
you have with us and other credit criteria. If we have previously allowed your 
balance to exceed your Credit Limit, it does not mean that we will permit your 
balance to exceed your Credit Limit again. We reserve the right to approve or 
deny authorizations or transactions from any merchant at our sole discretion.
Obtaining  Cash  Advances:  You  may  take  Cash  Advances  on  your  Credit 

Account in any of the following ways: By presenting the Card to us or any other 
participating MasterCard® or Visa® financial institution to obtain cash, by using 
the  Card  at  an  authorized  merchant,  other  non-bank  entity,  or  an Automated 
Teller Machine (ATM) or other device to obtain cash or cash equivalent, or to 
make a transfer from your Credit Account to any other deposit or loan account. 
Even if you use your Credit Account to obtain cash from a non-bank entity, the 
transaction will be described as a Bank Cash Advance.
You may not take Cash Advances in excess of $500.00 per day. The minimum 
Cash Advance per transaction is $20.00. For Credit Accounts opened on or after 
June 1, 2003, your initial Cash Advance limit will be 10% of your assigned Credit 
Limit. Once your Credit Account has been open and active for a minimum of 90 
days, has two consecutive months of current payment history, is not currently 
delinquent and no payments have been returned for the past 60 days, your Cash 
Advance availability may be increased to 50% of the assigned Credit Limit. For 
example, if your Credit Limit is $250.00, your beginning Cash Advance limit will 
be $25.00 and may increase to $125.00 once the criteria above are met. In any 
event, you will not be able to obtain a Cash Advance to the extent you do not 
have available credit.

RECEIVING STATEMENTS, OTHER INFORMATION AND
COMMUNICATIONS FROM US
Where We Send Statements: We will send Statements and any other notices 
to  you  at  the  address  shown  in  our  files.  If  this  is  a  joint  Credit Account,  we 
can  send  Statements  and  notices  to  either  of  you.  You  agree  to  notify  us 
promptly  of  any  change  in  your  address.  We  may  accept  address  changes 
or  corrections  from  the  United  States  Postal  Service.  We  may  also  mail 
Statements and other communications to you at any address we determine to 
be an address at which you can receive mail. If you elect to receive Statements 
and other communications electronically, we may send those Statements and 
communications as directed by you.
When You Receive Your Statements: We will send you a Statement at the end 
of each monthly Billing Cycle in which your Credit Account has a debit or credit 
balance of more than $1.00, if an INTEREST CHARGE has been imposed or 
if other account activity has occurred. Your Statements will arrive around the 
same time each month, however we reserve the right to change the date of your 
Billing Cycle at any time.
Understanding Your Statement: The Statements we send to you will reflect 
the activity and our  INTEREST CHARGES and other charges, costs and fees 
on your Credit Account during the Billing Cycle. They will also show your Total 
Minimum Amount Due and Payment Due Date, which is the date by which we 
must  receive  payment.  The  information  contained  on  the  Statement  will  be 
deemed to be correct unless you advise us in writing of any error within 60 days 
of the date on which we send your Statement. If there are more than one of you 
living  at  different  addresses,  we  will  send  the  Statements  only  to  the  person 
named as the “Applicant” in your application.
Consent  to  calls  and  messages  using  autodialer,  prerecorded  message 
and artificial voice: You agree and expressly consent that we and our agents, 
affiliates,  contractors,  subcontractors,  and  assignees  may  call  or  contact  you 
at  any  cellular,  mobile,  home,  work,  or  other  telephone  number,  electronic 
mail address, or other digital or electronic communication terminal, link, point 
or address of any kind whatsoever that (a) you provide or use to contact us, 
(b) we obtain from a third party such as an employer, friend, family member, 
another creditor, or person with whom you have done business, or (c) we obtain 
through  any  legal  means,  including  without  limitation,  a  caller  identification 
system that captures your number.  You expressly consent to receiving calls, text 
messages and other communications from us, our agents, affiliates, contractors, 
subcontractors,  and  assignees  on  any  number  that  is  assigned  to  a  cellular 
telephone service, wired telephone service, paging service, facsimile machine, 
specialized mobile radio service, radio common carrier service, internet protocol 
service, or other electronic, digital or analog service that is placed through or 
utilizes an automatic telephone dialing system, artificial voice or pre-recorded 
message, or any other technology, even if you incur a cost when we contact 
you.  You accept responsibility for all costs you incur when contacted through 
any of these means.

Indemnification:  You  agree  to  indemnify  us  for  all  damages,  costs  and 
expenses,  including  reasonable  attorney  fees,  we  incur  when  we  attempt 
to  contact  you  at  any  third  party’s  telephone  number  that  you  provide  to  us, 
including any number for which you fail to notify us is no longer associated with 
you as the subscriber.
E-mail:  By  providing  us  with  your  e-mail  address,  you  consent  to  receive 
correspondence electronically from us and our affiliates and service providers. 
You agree that we may communicate with you by e-mail for any lawful reason.
Other  Communication  Devices:  If  you  provide  us  with  any  other  form  of 
electronic  communication  mechanism,  you  agree  that  we  may  communicate 
with you by that mechanism for any lawful reason.

ABOUT YOUR PAYMENTS
Amount  of  Payment:  You  must  make  Minimum  Payments  on  your  Credit 
Account.  Refer  to  the  Minimum  Payment  provisions  in  the Account  Opening 
Disclosures printed on the card carrier containing your Card for more detailed 
information. Payments made in any Billing Cycle that are greater than the Total 
Minimum Amount Due will not affect your obligation to make the next monthly 
Minimum Payment. Each month your Statement shows a New Balance you must 
pay the Total Minimum Amount Due. Generally, credits to your Credit Account, 
such as those generated by merchants, are not treated as payments on your 
Credit Account and will not reduce your Total Minimum Amount Due. You have 
until the Payment Due Date shown on the front of your Statement, which is not 
less than 27 days from the Closing Date, to pay the Total Minimum Amount Due.
Applying Your Payments: We may apply your payment to whichever balances 
we  choose  to  the  extent  it  does  not  exceed  the  Total  Minimum Amount  Due 
shown  on  your  Statement.    The  amount  of  your  payment  in  excess  of  the 
Total Minimum Amount Due will be applied to balances subject to the highest 
APR prior to balances subject to lower APRs.  We may apply your payment to 
principal amounts, INTEREST CHARGES, fees and other charges in any order 
we choose, and we may change the order of application of payments from time 
to time at our discretion.
Availability of Credit: Available credit created as a result of payments posted 
to your Credit Account may not be available for up to 20 days, or even longer if 
circumstances warrant an additional hold, or if we deem ourselves at risk for any 
reason. Your available credit may be limited, from time to time, if you provide 
your  Credit Account  number  or  Card  to  a  merchant  that  processes  advance 
authorizations, such as hotels, motels and car rental. Such an authorization may 
limit your ability to make Purchases and take Cash Advances on your Credit 
Account until the authorization is canceled by the merchant and your available 
credit is released.
Electronic  Check  Presentment:  When  you  send  us  a  personal  check,  you 
authorize  us  to  either  use  information  from  your  check  to  make  a  one-time 
electronic  transfer  from  your  account,  or  to  process  the  payment  as  a  check 
transaction. If your check is processed electronically, your canceled check will 
not be returned to you by your financial institution. We will retain an image of 
your electronically processed check(s) as required by law. If requested prior to 
the time we are allowed by law to destroy electronically processed checks, we 
will provide you with a copy of your electronically processed check(s) upon your 
request. Funds may be withdrawn from your bank account as soon as the day 
your payment is received. We agree to accept your checking account statement 
as proof of payment. The description on your checking account statement will 
read: PREMIER CR CARD CHECK-PAYMT, serial number of the check, amount 
of the payment and date of the transaction. If you choose to opt out of electronic 
check presentment, please call our Customer Service Department at 1-800-987-
5521.
Late Payments: We may accept late payments, partial payments or checks or 
other payment instruments marked to impose terms or conditions of acceptance 
such as “paid in full” without waiving any of our rights under this Contract, and 
no attempt by you to impose any term or condition of acceptance will be effective 
against us.  Satisfaction of a debt for less than the full amount due or imposition 
of any other term or condition on us requires a written agreement, signed by an 
authorized Bank representative.

DEFAULT PROVISIONS
Events of Default: You will be in default of this Contract if any of the following 
occur on this or any Related Credit Account:

•  You do not pay at least the Total Minimum Amount Due on your Credit 

Account on or before the Payment Due Date.

•  You die or become legally incompetent. 
•  You become insolvent or bankrupt. 
•  You exceed or attempt to exceed your Credit Limit.
•  You  provide  us  with  or  have  provided  us  with  false  or  misleading 

information or signatures at any time. 

•  You fail to comply with this Contract.
•  You fail to make any payment or perform any promise in any agreement 

or obligation you have with us. 

•  Any judgment, lien, attachment or execution is issued against you or your 

property. 

•  You request an excessive number of replacement Cards.
•  We reasonably believe that you will not pay amounts owed to us for any 

reason.

If  You  Are  In  Default:  Upon  your  default  of  this  Contract,  we  will  have  all 
remedies provided by law including, without limitation, and without prior notice 
or demand, the right to:

•  Deny use of your Credit Account.
•  Close or refuse to renew your Credit Account.
•  Demand the return of your Card(s).
•  Declare your entire balance immediately due and payable.
• 
Initiate collection activity.
•  Not replace your Card(s).

Collection Costs: To the extent permitted by law, you must pay all court and 
collection costs, including reasonable attorneys’ fees, the costs of placing your 
Credit Account in the Warning Bulletin and the costs of confiscating your Card, 
that we incur as a result of your default.

CLOSING YOUR CREDIT ACCOUNT
We  May  Suspend  or  Close  Your  Credit  Account:  We  may  suspend  your 
Credit Account privileges or permanently cancel and close your Credit Account 
at any time, for any reason.
You  May  Close Your  Credit Account:  You  may  cancel  your  Credit Account 
at any time by notifying us by telephone or in writing. Even after your Credit 
Account is closed, you remain responsible for paying any amounts you owe on 
the Credit Account according to the terms of this Contract. If this is a joint Credit 
Account, either of you may request that the Credit Account be closed and we 
will honor that request. 
No Initial Payment Closure: If you do not make your initial Minimum Payment 
within  85  days  of  the  Account  Opening  Date,  your  Credit  Account  will  be 
automatically  closed  and  the  Initial  Balance  Transfer  posted  to  your  Credit 
Account will be reversed.

REFUND DISCLOSURE
Initial Fee Refunds: The following describes our policy concerning the refund of 
initial fees (those fees that are billed on your first statement):

When we will provide a full refund.  We will refund the initial fees if you 
have not made a Purchase or obtained a Cash Advance and either of the 
following are true:

•  Your account is closed within 11 days following the payment due 

date shown on your first billing statement; or

•  Your account is closed before you pay anything after receiving a 

billing statement.

When  we  will  provide  a  partial  refund.    If  your  account  is  closed  more 
than 11 days after the payment due date on your first billing statement, 
we will refund the unpaid amount of the outstanding fees even if you have 
made a payment after receiving a billing statement as long as you have 
not made a Purchase or obtained a Cash Advance. However, we will not 
refund  any  amount  you  have  previously  paid,  including  any  other  fees 
billed to your account.

When we will not provide a refund.  We have no obligation to refund fees 
or interest after you make a Purchase or obtain a Cash Advance following 
receipt of these disclosures.      

Credit Limit Increase Fee Refunds:  We will refund the Credit Limit Increase 
Fee if you reject the credit limit increase within 30 days after the date of the 
billing statement on which the fee is billed. This will result in a reversal of the 
credit limit increase.

OTHER TERMS AND CONDITIONS
Severability: If any provision of this Contract is invalid or unenforceable, it shall 
not affect the validity or enforceability of any other provision of this Contract. 
Changing This Contract: We may change this Contract from time to time. For 
example, we may change your Credit Account number or the Minimum Payment, 
add new INTEREST CHARGES or fees, change the ANNUAL PERCENTAGE 
RATE or change the method of computing the balance upon which we impose 
INTEREST  CHARGES.  We  may  also  make  other  changes.  We  will  notify 
you in writing of any change if required by law. Contract changes will apply to 
amounts you owe at the time the change is effective and to new transactions on 
your Credit Account, unless otherwise required by law. We will not change our 
promise not to sue you for the balance of your Old Debt transferred to this Credit 
Account when your Credit Account is first opened.
Information  Sharing:  The  following  describes  your  agreement  with  us  with 
respect  to  information  sharing.  By  requesting,  obtaining  or  using  a  Credit 
Account  from  us  you  agree  that  we  may  release  information  in  our  records 
regarding you and your Credit Account:

•  To comply with any properly served subpoena or similar request issued by 

a state or federal agency or court.

•  To share your credit performance with Consumer Reporting Agencies and 
other creditors who we reasonably believe are or may be doing business 
with you on your Credit Account. 

•  To provide information on your Credit Account to any third party who we 
believe is conducting an inquiry in accordance with the Federal Fair Credit 
Reporting Act.

•  To  share  information  with  our  employees,  agents  or  representatives 

performing work for us in connection with your Credit Account.

•  To communicate information as to our transactions or experiences with 
you to persons or entities related by common ownership or affiliated by 
corporate control or with any third party (including non-affiliates).
We  may  also  share  information  such  as:  (1)  information  other  than  our 
own  transactions  with  you  with  persons  or  entities  related  to  the  Bank 
by  common  ownership  or  corporate  control;  or  (2)  information  on  your 
Credit Account  with  certain  companies  to  provide  or  offer  you  selected 
products, services or cardholder benefits. You may direct us not to share 
one or both of these. If this is your request call 1-800-987-5521 or notify us in 
writing at First PREMIER Bank, P.O. Box 5528, Sioux Falls, SD 57117-5528. 
Be sure to include your name, address and Credit Account number. You may 
receive a copy of our information on your Credit Account by writing or calling 
us at the address or telephone number listed above. By requesting or obtaining 
a Credit Account, you authorize us to check your credit history. You authorize 
your  employer,  bank  and  any  other  references  listed  to  release  and/or  verify 
information to us and our affiliates in order to determine your eligibility for the 
Credit Account and any renewal or future extension of credit. If you ask, you will 
be told whether or not consumer reports on you were requested and the names 
of the Consumer Reporting Agencies, with their addresses, that provided the 
reports. If you designate an Authorized User to use your Card, you understand 
that account information may also be reported to Consumer Reporting Agencies 
in the Authorized User’s name.
No Waiver: Even if we do not exercise any right we may have against you, we 
do not intend to waive that right. We can exercise it against you in the future.
Binding  Effect  Upon  Death  or  Incompetency:  If  we  pay  a  merchant  for  a 
Purchase  or  post  a  Cash Advance  to  your  Credit Account  before  we  receive 
actual written notice of your death or incompetence, or if we pay a merchant 
for  a  Purchase  made  by  you  or  post  a  Cash Advance  taken  by  you  prior  to 
your death or incompetence, that transaction will be a valid and binding Credit