VISA® GOLD   BUSINESS REPLY MAIL POSTAGE WILL BE PAID BY ADDRESSEE BANKCARD DEPARTMENT 7000 ADAMS STREET LINCOLN, NE 68507-9904 FIRST-CLASS MAIL PERMIFNO.97 LINCOLN, NE       - Pinnacle Bank For a list of locations, visit pinnbank.com   Pinnacle Bank — <ul> Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products like our convenient, flexible VISA® & VISA® Gold Credit Cards. It’s accepted at thousands of locations worldwide for just about any type of purchase you can dream up. Our card comes with the personal, friendly service you've come to expect from us. So whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board. APPLY FOR YOURS TODAY!CREDIT DISCLOSURES                          Olncividual Account ‘, QO Joint Account (see co-epplicant and signatures section) CHECK ACCOUNT CHOICE: (Signature required for joint applicant) Pinnacle Bank                                                                                 INTEREST RATES AND INTEREST CHARGES Visa® GOLD CREDIT APPLICATION Credit Limit Requested: § O Credit Line Increase es us Check Card Choice: Osa OVISA’ Gold Hf applicant does oot qualify for a VISA* Gold, a VISA® may be substituted 2, 4 0 99% IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrarism and money laundering activitios, Fedaral 1 5 99 of, 1 J laws require ail financial institutions to obtain, verily and record information that identifies cach person who opens an Account. What this means te you: Wher you epen an Account, we Annual Percentage Rate (A.R.R.) for Purchases Fixed . Fixed wdil ask for your name, accrass, data of birth and other information that will allow us ta identify you. We may also ask to sea your driver's licansa or othar identifying dacuments. , APPLICANT NOTE: All applicable sections should be filled out completely to avoid delay in processing your application Tart Nome Fist Miata, Sonal Gecodly Marien . 15.99% 10.99% ‘Oia el Binh No. of Dependents Home Phare: Call Phong: ‘Own Rent Oren Mombly Payment & A.P.R. for Balance Transfers Fixed Fixed Comtent Addons Cy Sista Zip Cade How bong or) Milling Ackdrepe Gl differant from aise) chy Sate Bp Code How Long Gr) 15.99% 10.99% Prewov Addvens il lapa than 2 yrare at prevarn addeas) Ciny Sate Tip Cade How Long tyra) AP.R, for Cash Advances Fixed Fixed Emaar Sell Employed Yaa) No Work there Ren Lang tyre adders PosilonfOecupetion ‘Manthty Grow hicome 5 When it Appti None Nema and Address of Previous Employer Ul lana than 2 pears ei pretentamployed How Lang Gr) Penalty A.P.R. and When it Applies Source of Adc&Ions Inppemne; Income [rom slimany, chikd sypport or expacate (nount pet Momh inned not bu tevasled iit i f Naprapt Relative (el teny ath you) Home Phone Ralpionhap Your due date is at least 25 days after the close of each billing gycle, We wil nat 4 ton purchases if you pay your entire balance by the Paying Interest charg yee ne al begin cparaing interest on cash advances and/or balance = CO-APPLICANTT Intended for joint appticant this information is not required for an individual account transfers on the transaction date, (Gat Name First Tigaie Socal Secuny Nowber ‘Due of Bath No, 9! Depandiate Home Phone: [ Phone: Onn Ren Othe Monthly Payment $ Corian adaeans Cie Sate Ze Code Wow Long 6) ve None Minimum Interest Charge Previous Adderts liflers then 2 yearn a1 prasern adden) Cy Bite Tip coda Wow Long (tl Engle Sel Emplayad YarC] NoG "Wodk Phone How bong tyr . at Yo leam mera about factors ta consider when applying for or using a creditcard, Pa Pouten/Gucwpaion Tonthly Grows come d For Credit Card Tips from the Consumer Financial visit the website of the Consumes Financial Protection Bureau at: jl urea H consumerfinance.gov/learnmore, Protection B http//www g CREDIT INFORMATION Name and Addrats of Creditor Nemo under which Account eared | Account Number Galanca Monthly Payment VISA® GOLD 1, Home Morigage/Reat 1. Basie Name fe Branch Lacanon NIA Annual Fee SIGNATURE(S)       Transaction Fees * Balance Transfer * Cash Advances « Foreign Transaction 2.0% of the amount transferred. 2,0% for the amount advanced ($2.00 minimum) 1.0% of each multi-currency transaction in U.S. Dallars or 0.80% of each single-currency transaction in U.S. Dollars   Penalty Fees     25.00 » Late Payment Up to $25.0 Upon approval, I wish to transfer my present balance on the credit card accounts) listed below to my naw credit card account, Led icat None + Over-the-Credit-Limit , O Credit Card Account Numbers Amount to be tronstarted §. » Returned Payment one Signature, Please pravida a copy of your most recent statement to be transferred Other Fees FOR INTERNAL USE ONLY MISA Account No » Talephone Payment Fee $40.00 Ons Approved Trae Ling +] agree thet inquiries may be made to verify information and that credit relarences or verification may be given based on Inquiries from other ponies. This offer is subject to the credit   PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This staternent is submitted to obtain cradit and we cenify that all information herein is true and complete. We ti   policies of this institution, W/o agree to be bound by the terms end of the Ts a copy of which will be mailed to the applicantif this application Is granted, raceipt of such agreamant and acceptance af such terms to be conclusively presumed by tha applicant's use. if you intend te apply for joint cradit, the undorsigned shall ba jointly and severally liable for any and all credit extended from time to time. We may reportinformation about your account to the credit bureaus. Late payments, missed payments. or other defaults on your account may be veflected in your credit report,   x x, Apalicant Signature Date Co-Applicant Signature Date   TRANSFER OF BALANCE REQUEST                   How We Will Caleulate Billing Rights: Information on your rig Your Balance: We use a method called “average daily balance li ints to dispute transactions and how to axercise those fights is provided in your credit card agreement. including cow purchasas).” An explanation of thig method is provided in your credit card agra   | Giana     REV. 08774 Pinnacle Bank - KMNO149 FOLD AND SECURE WITH TAPE FOR MAILINGYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statement, write to us at the address shown on your monthly billing statement, In your lettar, give us the following information: * Account Information: Your name and account number. * Dollar Amount: The dollar amount of the suspected error. . : 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 3 business days bafore 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 latter, we must do two things: 1. Within 30 days after receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bili 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, Atter we finish aur investigation, one of two things wilf happen: * Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. « If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable intarest and fees. We will send you a statament of the amount you owe and the date payment 1s 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, anc 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 of the amount in question, even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatislied with the goods or services that you have purchased with your credlit card, and you have tried in good faith to correct the problern 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 mace in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase, Purchases made with cash advances from an ATM or with a check that accesses your credit card account do net 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 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 cur investigation, we will tell you our decision. At that point, if we think you owe an ammount 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 all eligible users of your card(s). It is effective on the date your card is activated and terminates on the date of expiration shown en 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, oy 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.Cc. HOW YOUR CARD MAY BE USED Your card may be used at any place where Visa® and MasterCard® credit cards are accepted. For your own protection, please sign the card before using it. Your signature on the card is not a prerequisite to your obligation to pay amounts incurred on your Account. If a card is lost or stolen, you must tell us at once. You must also tell us at once if you think someone used a card without your permission. You may either write us a letter or call us at the address and phone number shown on your Statement. Until you do, you may have to pay (up te $50.00) for purchases mace by anyone who used the card without your permission. D. CREDIT LIMIT Your Credit Limit is the total maximum amount we allow you to owe us at any time. You may not exceed any credit limit that we set for your Account. If you do use the Account for more than your Credit Limit, we can still charge you for all purchases, Interest Charges and other charges without giving up any of our rights under this Agreement. We may change your Credit Limit at any time. E. PAYMENTS You may pay all of your Account balance at any time without penalty. You must pay us at least the Minimum Payment Due for each Billing Period by the Payment Due Date shown on your monthly billing Statement. The Payment Due Date is the date the Minimum Payment Due is due to us. F. INTEREST At the end of each day we will add new charges to your balance and subtract payments we receive, and other credits that may apply. Your Annuai Percentage Rate (APR) is shown on the Credit Card Application. The APR is divided by 345 and rounded to the next highest hundred thousandth of a percentage point to determine your Daily Periodic Rate. The daily periodic rate is used to determine the amount of periodic interest rate charges. G. DISCLOSURE OF VARIABLE RATES Variable APRs are calculated by adding 16.00% to the U.S. prime tate 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 Prine Rate will increase your applicable Daily Periodic Rates, which may increase the Interest Charge due on your Account and may increase the Mintmum Payment Due. Each time the APR changes; we will apply it to any applicable balances. H. BALANCE COMPUTATION METHOD The interest charges for the billing cycle are computed by applying the monthly periodic rate to the “average daily balance” of purchases (including cash advances and/or balance transfers). To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances/ balance transfers, and subtract any payments, credits, non-accruing fees, and unpaid interest charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Il. 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 conferm with applicable law. All disputes concerning this Agreement and use of cards issued pursuant to it will be resolved pursuant to federal and state law. We will promptly notify you once our investigation has been completed. L. UNLAWFUL TRANSACTIONS You agree that you will not use your Account for any transaction that is unlawful. In addition, we reserve the right to deny transactions or authorizations from merchants we determine are apparently engaging in the Internet gambling business or identifying themselves through the Card Transaction records or otherwise as engaged in such business. M. CHANGE IN TERMS OF YOUR ACCOUNT We can change or ade 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 fength 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 cance! your card without penaity 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}.