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Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Visa® Platinum Rewards Credit Card Agreement Rates and Fees Table INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases/ Balance Transfers 13.25% to 16.25% when you open your account based on your credit worthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.25% this APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. Hills Bank will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest the charge will be no less than $0.50. For Credit Card Tips from the Federal Reserve Board 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 Fee $15.00 charged on the anniversary date of the card. Transaction Fees • Cash Advance • Foreign Transaction • Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater, with a maximum fee of $15.00. • 1.0% when a currency conversion occurs. 0.8% when a currency conversion is not performed. Penalty Fees • Late Payment • Returned Payment • Returned Convenience Check • up to $27.00 • up to $27.00 • up to $35.00 How we will calculate your balance: • We use a method called “average daily balance (including new purchases)” Prime Rate: • Variable APRs are based on the 6.25% Prime Rate as of September 22, 2022. • We add 7.00% to 10.00% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.1042% to 1.3542%). • We add 11.00% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.4375%).

Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Visa® Platinum Rewards Credit Card Agreement Rates and Fees Table INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases/ Balance Transfers 13.253.9% introductory APR for the first seven billing cycles. After that your APR will be 5.25% to 16.25% when you open your account 12.25%, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.2512.25% this APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. Hills Bank will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest the charge will be no less than $0.50. For Credit Card Tips from the Federal Reserve Board 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 Fee $15.00 charged on the anniversary date of the cardNo annual fee. Transaction Fees • Cash Advance • Foreign Transaction • Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater, with a maximum fee of $15.00. • 1.0% when a currency conversion occurs. 0.8% when a currency conversion is not performed. Penalty Fees • Late Payment • Returned Payment • Returned Convenience Check • up to $27.00 • up to $27.00 • up to $35.00 How we will calculate your balance: • We use a method called “average daily balance (including new purchases)” Prime Rate: • Variable APRs are based on the 6.253.25% Prime Rate as of September 22March 17, 20222020. • The introductory APR is fixed at 3.9% (monthly periodic rate currently 0.32500%). • We add 7.002.0% to 10.009.0% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.10420.4375% to 1.35421.0208%). • We add 11.009.0% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.43751.0208%).

Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Visa® Platinum Rewards Credit Card Agreement Rates and Fees Table INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases/ Balance Transfers 13.2510.25% to 16.2513.25% when you open your account based on your credit worthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.2514.25% this APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. Hills Bank will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest the charge will be no less than $0.50. For Credit Card Tips from the Federal Reserve Board 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 Fee $15.00 charged on the anniversary date of the card. Transaction Fees • Cash Advance • Foreign Transaction • Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater, with a maximum fee of $15.00. • 1.0% when a currency conversion occurs. 0.8% when a currency conversion is not performed. Penalty Fees • Late Payment • Returned Payment • Returned Convenience Check • up to $27.00 • up to $27.00 • up to $35.00 How we will calculate your balance: • We use a method called “average daily balance (including new purchases)” Prime Rate: • Variable APRs are based on the 6.253.25% Prime Rate as of September 22March 17, 20222020. • We add 7.00% to 10.00% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.1042.8542% to 1.35421.1042%). • We add 11.00% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.43751.1875%).

Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Visa® Platinum Rewards Credit Card Agreement Rates and Fees Table INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases/ Balance Transfers 13.2514.50% to 16.2517.50% when you open your account based on your credit worthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.2518.50% this APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. Hills Bank will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest the charge will be no less than $0.50. For Credit Card Tips from the Federal Reserve Board 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 Fee $15.00 charged on the anniversary date of the card. Transaction Fees • Cash Advance • Foreign Transaction • Either $5.00 or 3.00% of the amount of each cash advance, whichever is greater, with a maximum fee of $15.00. • 1.0% when a currency conversion occurs. 0.8% when a currency conversion is not performed. Penalty Fees • Late Payment • Returned Payment • Returned Convenience Check • up to $27.00 • up to $27.00 • up to $35.00 How we will calculate your balance: • We use a method called “average daily balance (including new purchases)” Prime Rate: • Variable APRs are based on the 6.257.50% Prime Rate as of September 22December 15, 2022. • We add 7.00% to 10.00% to the Prime Rate to determine the Purchase/Balance Transfer APR (monthly periodic rate currently 1.10421.2083% to 1.35421.4583%). • We add 11.00% to the Prime Rate to determine the Cash Advance APR (monthly periodic rate currently 1.43751.5417%).