Common use of Special Rule for Credit Card Purchases Clause in Contracts

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state within 100 miles of your current mailing address. (If ; and • The purchase price must have been more than $50.00.These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATE RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases 11.99% APR for & Balance Transfers 7.248.50% On Balance Transfers posting to - 24.00% When you open your account during account, the applicable APR is based on credit qualifications. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first 60 days after your account setup. After thatyear, the same as the APR for purchases. and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 18.0013.50% Bank - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Card Replacement Fee: up to $5 Other Fees - None for regular cards - $25.00 for Deposit Secured Cards Foreign Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None Fee: Waived How We Will Calculate Your Balancewe will calculate your balance: We use a method called “average daily balance balance” (including new purchases)”. See Variable rates are based on the prime rate plus a factor of 5.5%–13.5% (10.5%–18.5% for cash advances), depending on credit qualifications. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above for more details. Billing Rights: Information on your rights to dispute transactions rates and how to exercise those rights is provided above in your Credit Card Agreementfees are current as of June 10, 2019.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . DISCOVER THE DIFFERENCE. rev 08/2022 000 X 00xx Xxxxxx | Xxxxxxx | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9914.50% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2414.50% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0014.50% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-- Returned Payment Up to $10.00 $20.00 MLA Disclosure: “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her de- pendent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).” ELF323 DISCOVER THE DIFFERENCE. rev 08/2022 MasterCard #: Date: Ordered By: Credit Application CREDIT LIMIT REQUESTED $ Base Acct #: Date: Check Account Choice: (Only One) Individual Account Joint Account Credit Limit · Returned Increase — APPLICANT — Note: All applicable sections should be filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment - $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ Nearest Relative (Not Living With You) Telephone Number Relationship Their Address City State Zip Code * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. — CO-APPLICANT OR SPOUSE — Complete this section only if co-applicant or spouse is applying for joint credit. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. CREDIT INFORMATION: Attach additional sheet if necessary. Bank Name and Address Branch Loans Open Closed Checking Account Number / Name Listed Savings Account Number / Name Listed Creditor Name & Address Acct Number Balance Monthly Payment 1. Home Mortgage $ $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two limitations on this right: (a) You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state state, or if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase. CUSTOMER SERVICE: (000) 000-0000 – 24 hours a day/7 days a week. (Please have account information available.) INTEREST IMPORTANT DISCLOSURE INFORMATION STANDARD ANNUAL PERCENTAGE RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99% APR for Purchases, Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After thatTransfers, the same as the APR for purchases. APR for Cash Advances 18.00for: Platinum MasterCard: 8.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least Gold MasterCard: 10.00% Standard MasterCard: 15.00% Grace Period for Repayment of balances for Purchases You have not less than 25 days after the close of each billing cycle. We will not to repay your balances for purchases before a finance charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeimposed. For Credit Card Tips from Method for Computing the Consumer Financial Protection Bureau To learn more about factors to consider when applying Balance for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Purchases Average Daily Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”* Minimum Finance Charge None Transaction Fee for Purchases None, except for foreign transactions Transaction fee for cash advances None Over Credit Limit Fee None Late-payment Fee Foreign Transaction Fee: $25 1% of the transaction amount Returned Check Fee: $30 *Assumes that credit extended for purchases will not be repaid within grace period. See The information about the costs of the cards described in this application is accurate as of August 2008. This information may have changed after that date. To find out what may have changed, call us collect at 409/765-5773 or write to CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR GALVESTON GOVERNMENT EMPLOYEES CREDIT UNION MASTERCARD®/ STANDARD, MASTERCARD® GOLD AND MASTERCARD® PLATINUM ACCOUNT Notice: Read and retain this copy of your Credit Card Agreement above and Disclosure Statement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreementfuture reference.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or servicesservice. There are two limitations on this right: (a) You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. (If we own These limitations do not apply if the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST . Visa® Business Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99purchases, balance transfers and cash advances Your APR will be 9.49% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance Variable Rate Information Your APR will vary in relation to an index plus a margin of 9.49%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and ATM Cash Advance is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. None For Credit Card Tips credit card tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees - None for regular cards - • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - Up to $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or servicesservice. There are two limitations on this right: (a) You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. (If we own These limitations do not apply if the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST . Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99purchases, balance transfers and cash advances Your APR will be 6.00% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.00%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and ATM Cash Advance is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. None For Credit Card Tips credit card tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees - None for regular cards - • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - Up to $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state within 100 miles of your current mailing address. (If ; and • The purchase price must have been more than $50.00.These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . PRICING INFORMATION ADDENDUM INTEREST RATE RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases 11.99% APR for & Balance Transfers 7.248.50% On Balance Transfers posting to - 24.00% When you open your account during the first 60 days after your account setup. After thataccount, the same as applicable APR is based on credit qualifications. This APR will vary with the APR for purchasesmarketing based on the Prime Rate. Annual Fee: None Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 18.0013.50% Bank - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Fee: 3% of cash advance $5.00 minimum / No maximum Penalty Fees Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. Late Payment Fee: up to $35 Returned Payment Fee: up to $20 For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Card Replacement Fee: up to $5 Other Fees - None for regular cards - $25.00 for Deposit Secured Cards Foreign Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10Fee: Up to 1.1% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balancewe will calculate your balance: We use a method called “average daily balance balance” (including new purchases)”. See Variable rates are based on the prime rate plus a factor of 5.5%–13.5% (10.5%–18.5% for cash advances), depending on credit qualifications. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above for more details. Billing Rights: Information on your rights to dispute transactions rates and how to exercise those rights is provided above in your Credit Card Agreementfees are current as of June 10, 2019.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . DISCOVER THE DIFFERENCE. rev 08/2022 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9911.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2411.75% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0011.75% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-- Returned Payment Up to $10.00 $20.00 MLA Disclosure: “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her de- pendent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).” ELF323 DISCOVER THE DIFFERENCE. rev 08/2022 MasterCard #: Date: Ordered By: Credit Application CREDIT LIMIT REQUESTED $ Base Acct #: Date: Check Account Choice: (Only One) Individual Account Joint Account Credit Limit · Returned Increase — APPLICANT — Note: All applicable sections should be filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment - $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ Nearest Relative (Not Living With You) Telephone Number Relationship Their Address City State Zip Code * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. — CO-APPLICANT OR SPOUSE — Complete this section only if co-applicant or spouse is applying for joint credit. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. CREDIT INFORMATION: Attach additional sheet if necessary. Bank Name and Address Branch Loans Open Closed Checking Account Number / Name Listed Savings Account Number / Name Listed Creditor Name & Address Acct Number Balance Monthly Payment 1. Home Mortgage $ $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . DISCOVER THE DIFFERENCE. rev 02/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9911.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2411.75% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0011.75% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-- Returned Payment Up to $10.00 $20.00 MLA Disclosure: “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her de- pendent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).” ELF323 DISCOVER THE DIFFERENCE. rev 02/2020 MasterCard #: Date: Ordered By: Credit Application CREDIT LIMIT REQUESTED $ Base Acct #: Date: Check Account Choice: (Only One) Individual Account Joint Account Credit Limit · Returned Increase — APPLICANT — Note: All applicable sections should be filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment - $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ Nearest Relative (Not Living With You) Telephone Number Relationship Their Address City State Zip Code * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. — CO-APPLICANT OR SPOUSE — Complete this section only if co-applicant or spouse is applying for joint credit. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. CREDIT INFORMATION: Attach additional sheet if necessary. Bank Name and Address Branch Loans Open Closed Checking Account Number / Name Listed Savings Account Number / Name Listed Creditor Name & Address Acct Number Balance Monthly Payment 1. Home Mortgage $ $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.999.99% APR for Balance Transfers 7.245.24% On Balance Transfers posting Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setupsetup and will be fixed for the life of the balance transfers. After thatFor transfers posted after the first 60 days, the your APR will be 9.99%, same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCardMastercard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or servicesservice. There are two limitations on this right: (a) You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. (If we own These limitations do not apply if the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . INTEREST RATE RATES AND INTEREST CHARGES Annual Percentage Rate ANNUAL PERCENTAGE RATE (APR) for Purchases 11.99% APR for Purchases, Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for and Cash Advances Your APR will be 6.00% to 18.00% Bank Cash Advance %. Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.00%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and ATM Cash Advance is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. None For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using us- ing a credit card, visit the website of the Consumer Financial Protection Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees - • Balance Transfer • Cash Advance • Foreign Transaction None for regular cards - None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in default, with a minimum charge of $0.50 and a maximum charge of $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - Up to $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.9913.99% APR for Balance Transfers 7.249.24% On Balance Transfers posting Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setupsetup and will be fixed for the life of the balance transfers. After thatFor transfers posted after the first 60 days, the your APR will be 13.99%, same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCardMastercard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9911.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2411.75% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0011.75% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the Consumer Financial Protection Bureau (CFPB) 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees - Fee None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Fees: * Balance Transfer · * Cash Advance · * Foreign Fees - None - None - 1.10Transaction $2.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) dollars Penalty Fees · Fees: * Late Payment · Over-the-Credit Limit · * Returned Payment - Up to $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.10.00 $10.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or servicesservice. There are two limitations on this right: (a) You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. (If we own These limitations do not apply if the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . Smart Rewards VISA® APPLICATION INTEREST RATE RATES AND INTEREST CHARGES Annual Percentage Rate ANNUAL PERCENTAGE RATE (APR) for Purchases 11.99Your APR will be 8.75% to18.00% based on your creditworthiness when you open your account. ANNUAL PERCENTAGE RATE (APR) for Cash Advances Your APR will be 8.75% to18.00%based on your creditworthiness when you open your account. ANNUAL PERCENTAGE RATE (APR) for Balance Transfers 7.240.00% On Balance Transfers posting to your account during the first introductory APR for six months, if transfer is completed within 60 days after your of account setupopening. After that, the same as the your APR for purchases. APR for Cash Advances will be 8.75% to 18.00% Bank Cash Advance based on your creditworthiness when you open your account. Variable Rate Information Your APR will vary in relation to an index plus a margin of 8.75%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and ATM Cash Advance is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. None For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using us- ing a credit card, visit the website of the Consumer Financial Protection Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees - • Balance Transfer • Cash Advance • Foreign Transaction None for regular cards - None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in default, with a minimum charge of $0.50 and a maximum charge of $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% Up to $30.00 4 of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None 5 How We Will Calculate Your Balance: We use a method called “average daily balance Average Daily Balance (including new purchases)”. See the Credit Card Agreement above your account agreement for more details. Billing Rights: Information SMART REWARDS VISA® APPLICATION NO ANNUAL FEES & COMPETITIVE RATES No interest is charged on card purchases if the balance is paid within 25 days from the date of the billing cycle. SWITCHING TO A MAX CREDIT CARD IS EASY! Do you have a credit card with another financial institution charging an annual fee or a higher interest rates? Move your account to MAX! Once your application is approved, a cash advance (within your line of credit) on your rights new MAX credit card may be obtained to dispute transactions and how pay off your old card. This cash advance then becomes your new balance at MAX. Specific credit limits are established when card applications are approved. For more information, to exercise those rights is provided above in your ask a question or to open a new account today, visit xxXXX.xxx or call 000.000.0000. 4 of 5 SELECT ONE: Smart Rewards VISA‰ Credit Card Agreement.SAIL Application #

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two limitations on this right: You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within your home state, within 100 miles of your current mailing address; and the purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.994.9% Introductory APR for the first 6 billing cycles after account opening. At the end of this period, your APR will be 9.42% to 11.92%, based on creditworthiness. This APR will vary with the market based Prime Rate. APR For Balance Transfers 7.245.9% On Balance Transfers posting to your account during for the first 60 days 12 billing cycles after your account setupBalance Transfer. After thatAt the end of this period, the same APR will vary with the market based Prime Rate as noted in the APR for purchasesInterest Rate section of this agreement. APR for For Cash Advances 18.0022.9% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. Paying Interest We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest The Interest Charge on cash advances begins from the date you obtained the cash advance. The Interest Charge on balance transfers begins from the date the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeis posted to your account. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - NONE Transaction FeesBalance Transfer Rush Ship Cash Advance Foreign Fees NONE Up to $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.102% of the amount of each case advance with a minimum fee of $5 per ATM transaction or $10 per in person transaction. 2% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Credit-Line Returned Payment - Up to $20.00 - None - None 25.00 NONE Up to $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)balance”. See the Credit Card Agreement above your account agreement for more detailsfurther information regarding how we calculate your balance. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreementaccount agreement. How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate. Prime Rate: Variable APRs are based on the 4.75% Prime Rate as of July 27, 2022 Balance Transfer APR: Your Balance Transfer rate is 5.9%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 0.49167%. Cash APR: Your Cash rate is 22.9%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.90833%.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . DISCOVER THE DIFFERENCE. rev 08/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9910.25% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2410.25% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0010.25% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-- Returned Payment Up to $10.00 $20.00 MLA Disclosure: “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her de- pendent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).” ELF323 DISCOVER THE DIFFERENCE. rev 08/2020 MasterCard #: Date: Ordered By: Credit Application CREDIT LIMIT REQUESTED $ Base Acct #: Date: Check Account Choice: (Only One) Individual Account Joint Account Credit Limit · Returned Increase — APPLICANT — Note: All applicable sections should be filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment - $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ Nearest Relative (Not Living With You) Telephone Number Relationship Their Address City State Zip Code * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. — CO-APPLICANT OR SPOUSE — Complete this section only if co-applicant or spouse is applying for joint credit. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. CREDIT INFORMATION: Attach additional sheet if necessary. Bank Name and Address Branch Loans Open Closed Checking Account Number / Name Listed Savings Account Number / Name Listed Creditor Name & Address Acct Number Balance Monthly Payment 1. Home Mortgage $ $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.99% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.999.99% APR for Balance Transfers 7.245.24% based on your creditworthiness. On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit Credit-Line · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right. • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. NORRISTOWN XXXX CREDIT UNION 0000 Xxxx Xxxx Xxxx Xxxx Xxxx, all purchases are covered regardless PA 19422 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxx.xxx VISA® CREDIT CARD ACCOUNT OPENING DISCLOSURE This Addendum is incorporated into and becomes part of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES your Visa Credit Card Agreement. Please keep this attached to your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 11.999.90% APR for Balance Transfers 7.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.009.90% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Minimum Finance Charge None Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will do not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau Federal To learn more about factors to consider when applying for Reserve Board or using a credit card, visit the website Web site of the Consumer Financial Protection Bureau Federal Reserve Board at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. Fees Set-up and Maintenance Fees None Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Fee Transaction Fees · Balance Transfer · Fee None Cash Advance · Fee None Foreign Fees - None - None - 1.10Transaction Fee 1.00% of each currency transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) dollars Penalty Fees · Late Payment · Over-the-Credit Limit · Fee Up to $25.00 Returned Payment - Check/ACH Fee Up to $20.00 - None - None 25.00 How We Will Calculate Your Balance: . We use a method called “average daily balance (including new purchases)”. .” See the Credit Card your account Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. You There are two limitations on this right: (a) you must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or state, or, if not within your home state, within 100 miles of your current mailing address; and (b) the purchase must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. G-14482 - 0617 xxx.xxxxxx.xxx To calculate the Adjusted Daily Balance each day, we take the following steps: We take the outstanding balance (all purchases are covered regardless amounts you owe) at the start of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.99% APR for Balance Transfers 7.24% On Balance Transfers posting the day. Then, in the sequence in which the amounts post to your account Account, we add the amounts of all debits and subtract the amounts of all payments and credits which post to your Account that day. Payments are applied first to any unpaid FINANCE CHARGE from previous billing cycles, then to Late Charges, then to any Over Limit Charge, and then to the balance of your Account. Credits are applied first to the particular type of debit which is being credited, if any, and then to the balance of your Account. After applying payments and credits, we subtract any amount of the FINANCE CHARGE, Late Charges, and Over Limit Charge that remains unpaid. Then, we also subtract the amount of any Cash Advance transaction that posts to your Account on that day or on any previous day in the same billing cycle. The result is the Adjusted Daily Balance for that day. We add together all the Adjusted Daily Balances for each day in the billing cycle and divide the total by the number of days in the billing cycle. The result is the Average Adjusted Daily Balance for that billing cycle. Note that Cash Advance transactions, which are posted to your Account during a billing cycle, are not included in the Average Adjusted Daily Balance for that cycle, and are, therefore, not subject to the Monthly Periodic Rate during that cycle. However, they are included in the New Balance shown on the statement for that cycle, and are, therefore, also included in the outstanding balance at the start of the first day of the next billing cycle. Note also, that if the total of the payments and credits which is posted to your Account by the Payment Due Date shown on a statement is equal to or exceed the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. Finally, if any statement shows a Previous Balance that is zero or is a credit balance, we will not apply the Monthly Periodic Rate to your Account on that statement. MINIMUM PAYMENT: You must pay at least the Current Amount Due by the Payment Due Date shown on your statement. By separate agreement, you may authorize us to charge the Current Amount Due automatically to your savings or checking account with us. You may, of course, pay more frequently, pay more, or pay the total New Balance in full and you will reduce your FINANCE CHARGES by doing so. You may authorize us to charge the total New Balance automatically to your savings or checking account with us. The Minimum Payment will be either (a) 2% of your total New Balance, or $30.00, whichever is greater, or (b) your total New Balance, if it is less than $30.00, plus (c) any portion of the Minimum Payment(s) shown on your prior statement(s), which remains unpaid. In addition, at any time your Total New Balance exceeds your Credit Limit, you must pay the excess as well as any Over Limit Charge. Lastly, any Late Charge must also be paid. Payments made by 5:00 p.m. of your due date will not be charged a late fee. If your current card balance represents multiple balances with different rates, payments will be applied to the portion of the card balance with the highest interest rate first. If we change our mailing address or method of handling your payments, we will not charge a late fee for 60 days after – if that change causes a material delay in the crediting of your account setuppayment. After that, the same as the APR for purchasesPERIODIC STATEMENT: Your statement will be sent out no less than 21 days before your due date. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after will be the close 20th of each billing cyclecalendar month. We Should your due date fall on a non-business or payment posting day, the payment will not charge be considered late until AFTER the first business/posting day that a payment may be posted. Your statement will include two calculations for amortization of payments: 1) Based on minimum payment how long it will take you any interest on purchases to pay off your balance if you continue to make only the minimum payment amount, 2) The payment amount that would be required to pay off your entire balance in 36 months. PENALTY FEES: Penalty fees will not exceed the dollar amount for incurred infraction. This will prohibit charging penalty fees that exceed the dollar amount associated with your violation. Your Credit Card will not incur inactivity fees. You will not be billed multiple fees based on a single transaction and/or violation. LATE CHARGES: If your minimum periodic payment is not received by us by the due date each monthPayment Due Date as described above, your Account will be assessed a Late Charge of up to $30.00. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interestincur a late charge and have not had any previous late payments within the past six (6) months, there your late fee will be no minimum chargeup to $25.00. For Credit Card Tips from If anytime during the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit cardpast six (6) billing cycles your payment was late, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.late fee will be up to

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 11.9913.99% APR for Balance Transfers 7.249.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.99% APR for Balance Transfers 7.24% On Balance Transfers posting Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setupsetup and will be fixed for the life of the balance transfers. After thatFor transfers posted after the first 60 days, the your APR will be 11.99%, same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.9913.99% APR for Balance Transfers 7.249.24% based on your creditworthiness. On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit Credit-Line · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate (APRRate(APR) for Purchases 11.9913.99% APR for Balance Transfers 7.249.24% On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the same as the APR for purchases. APR for Cash Advances 18.00% Bank Cash Advance and ATM Cash Advance How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum charge. For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · Cash Advance · Foreign Fees - None - None - 1.10% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $20.00 - None - None $15.00 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.