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 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 to pay the remaining amount due on the property or services. There are two limitations on this right: • You must have made the purchase in your home state 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.These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances on the transaction date. 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. Card Replacement Fee: up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 13.99% APR for Balance Transfers 8.509.24% - 24.00% When you open based on your accountcreditworthiness. On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit-Line · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019for more details.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM DISCOVER THE DIFFERENCE. rev 02/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES FEES CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.0011.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 11.75% This APR will vary with the market based on the Prime Rate. APR for Cash Advance Fee: 3Advances 11.75% of cash advance $5.00 minimum / No maximum This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 28 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest Charge No 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. Card Replacement FeeFEES: up Annual Fee NONE Transaction Fees: - Balance Transfer - Cash Advance - Foreign Transaction $5.00 $5.00 1.00% of each transaction in US Dollars Penalty Fees: - Late Payment - Returned Payment Up to $5 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 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 Fees Foreign Transaction FeeMonthly 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: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases)Attach additional sheet if necessary. 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 qualificationsBank 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. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019.Home Mortgage $ $

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases & 11.99% APR for Balance Transfers 8.507.24% - 24.00% When you open On Balance Transfers posting to your accountaccount during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 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)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or servicesservice. There are two limitations on this right: • (a) You must have made the purchase in your home state or, if not within your home state state, within 100 miles of your current mailing address; and • (b) The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases & Balance Transfers 8.50purchases, balance transfers and cash advances Your APR will be 6.00% - 24.00to 18.00% When you open your account, the applicable APR is based on credit qualifications. This Variable Rate Information Your APR will vary with the marketing based on in relation to an index plus a margin of 6.00%. The index will be the Prime RateRate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual How to avoid paying interest on purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance 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 balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest 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. Card Replacement Fee: up xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • 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 None Up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or servicesservice. There are two limitations on this right: • (a) You must have made the purchase in your home state or, if not within your home state state, within 100 miles of your current mailing address; and • (b) The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate Visa® Business Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases & Balance Transfers 8.50purchases, balance transfers and cash advances Your APR will be 9.49% - 24.00to 18.00% When you open your account, the applicable APR is based on credit qualifications. This Variable Rate Information Your APR will vary with the marketing based on in relation to an index plus a margin of 9.49%. The index will be the Prime RateRate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual How to avoid paying interest on purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance 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 balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest 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. Card Replacement Fee: up xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • 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 None Up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases & 13.99% APR for Balance Transfers 8.509.24% - 24.00% When you open On Balance Transfers posting to your accountaccount during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 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)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM DISCOVER THE DIFFERENCE. rev 08/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES FEES CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.0010.25% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 10.25% This APR will vary with the market based on the Prime Rate. APR for Cash Advance Fee: 3Advances 10.25% of cash advance $5.00 minimum / No maximum This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 28 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest Charge No 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. Card Replacement FeeFEES: up Annual Fee NONE Transaction Fees: - Balance Transfer - Cash Advance - Foreign Transaction $5.00 $5.00 1.00% of each transaction in US Dollars Penalty Fees: - Late Payment - Returned Payment Up to $5 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 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 Fees Foreign Transaction FeeMonthly 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: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases)Attach additional sheet if necessary. 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 qualificationsBank 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. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019.Home Mortgage $ $

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or servicesservice. There are two limitations on this right: • (a) You must have made the purchase in your home state or, if not within your home state state, within 100 miles of your current mailing address; and • (b) The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate ANNUAL PERCENTAGE RATE (APR) for Purchases & Purchases, Balance Transfers 8.50and Cash Advances Your APR will be 6.00% - 24.00% When you open your account, the applicable APR is based on credit qualificationsto 18.00%. This Variable Rate Information Your APR will vary with the marketing based on in relation to an index plus a margin of 6.00%. The index will be the Prime RateRate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest 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. Card Replacement Fee: up xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction None 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 None Up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 11.99% APR for Balance Transfers 8.507.24% - 24.00% When Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setup and will be fixed for the life of the balance transfers. For transfers posted after the first 60 days, the applicable APR is based on credit qualifications. This your APR will vary with the marketing based on the Prime Ratebe 11.99%, same as purchases. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM DISCOVER THE DIFFERENCE. rev 08/2022 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES FEES CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.0011.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 11.75% This APR will vary with the market based on the Prime Rate. APR for Cash Advance Fee: 3Advances 11.75% of cash advance $5.00 minimum / No maximum This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 28 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest Charge No 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. Card Replacement FeeFEES: up Annual Fee NONE Transaction Fees: - Balance Transfer - Cash Advance - Foreign Transaction $5.00 $5.00 1.00% of each transaction in US Dollars Penalty Fees: - Late Payment - Returned Payment Up to $5 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 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 Fees Foreign Transaction FeeMonthly 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: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases)Attach additional sheet if necessary. 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 qualificationsBank 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. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019.Home Mortgage $ $

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two limitations on this right: • You must have made the purchase in your home state 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.These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases None Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Penalty Fees Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances on the transaction date. 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. Card Replacement Fee: up to $5 Other Fees Foreign Transaction Fee: Waived Up to 1.1% How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 13.99% APR for Balance Transfers 8.509.24% - 24.00% When you open On Balance Transfers posting to your accountaccount during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or servicesservice. There are two limitations on this right: • (a) You must have made the purchase in your home state or, if not within your home state state, within 100 miles of your current mailing address; and • (b) The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own the credit card issuer owns or operate operates the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM Smart Rewards VISA® APPLICATION INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate ANNUAL PERCENTAGE RATE (APR) for Purchases & Balance Transfers 8.50Your APR will be 8.75% - 24.00to18.00% When 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 0.00% introductory APR for six months, the applicable if transfer is completed within 60 days of account opening. After that, your APR is will be 8.75% to 18.00% based on credit qualificationsyour creditworthiness when you open your account. This Variable Rate Information Your APR will vary with the marketing based on in relation to an index plus a margin of 8.75%. The index will be the Prime RateRate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest 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. Card Replacement Fee: up xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction None 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 None Up to $30.00 4 of 5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” Average Daily Balance (including new purchases)”. Variable rates See your account agreement for more details. 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 new MAX credit card may be obtained to pay off your old card. This cash advance then becomes your new balance at MAX. Specific credit limits are based on the prime rate plus established when card applications are approved. For more information, to ask a factor question or to open a new account today, visit xxXXX.xxx or call 000.000.0000. 4 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 5 SELECT ONE: Smart Rewards VISA‰ Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019.SAIL Application #

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two limitations on this right: • You (a) you must have made the purchase in your home state state, or, if not within your home state state, within 100 miles of your current mailing address; and • The (b) the purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate G-14482 - 0617 xxx.xxxxxx.xxx To calculate the Adjusted Daily Balance each day, we take the following steps: We take the outstanding balance (APRall amounts you owe) for Purchases & Balance Transfers 8.50% - 24.00% When you open at the start of the day. Then, in the sequence in which the amounts post to your accountAccount, we add the applicable APR is based on credit qualificationsamounts of all debits and subtract the amounts of all payments and credits which post to your Account that day. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*Payments are applied first to any unpaid FINANCE CHARGE from previous billing cycles, waived the first yearthen to Late Charges, then to any Over Limit Charge, and waived thereafter then to the balance of your Account. Credits are applied first to the particular type of debit which is being credited, if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with any, and then to the market based on balance of your Account. After applying payments and credits, we subtract any amount of the Prime RateFINANCE CHARGE, Late Charges, and Over Limit Charge that remains unpaid. Then, we also subtract the amount of any Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest Your due date is 25 days after transaction that posts to your Account on that day or on any previous day in the close of each 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 interest 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 purchases 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 – if that change causes a material delay in the crediting of your payment. PERIODIC STATEMENT: Your statement will be sent out no less than 21 days before your due date. Your due date will be the 20th of each calendar month. Should your due date fall on a non-business or payment posting day, the payment will not 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 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 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 month. We Payment Due Date as described above, your Account will begin charging interest on cash advances on the transaction date. Penalty Fees be assessed a Late Payment Fee: Charge of up to $35 Returned Payment Fee: 30.00. If you incur a late charge and have not had any previous late payments within the past six (6) months, your late fee will be up to $20 For Credit Card Tips from 25.00. 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. Card Replacement Fee: late fee will be up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.to

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM DISCOVER THE DIFFERENCE. rev 08/2022 000 X 00xx Xxxxxx | Xxxxxxx | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES FEES CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.0014.50% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 14.50% This APR will vary with the market based on the Prime Rate. APR for Cash Advance Fee: 3Advances 14.50% of cash advance $5.00 minimum / No maximum This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 28 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest Charge No 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. Card Replacement FeeFEES: up Annual Fee NONE Transaction Fees: - Balance Transfer - Cash Advance - Foreign Transaction $5.00 $5.00 1.00% of each transaction in US Dollars Penalty Fees: - Late Payment - Returned Payment Up to $5 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 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 Fees Foreign Transaction FeeMonthly 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: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases)Attach additional sheet if necessary. 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 qualificationsBank 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. Variable rates may change quarterly. We reserve the right to amend the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019.Home Mortgage $ $

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 8.50% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.0011.75% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 11.75% This APR will vary with the market based on the Prime Rate. APR for Cash Advance Fee: 3Advances 11.75% of cash advance $5.00 minimum / No maximum This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 28 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 Minimum Interest Charge No 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. Card Replacement FeeFEES: up Annual Fee None Transaction Fees: * Balance Transfer * Cash Advance * Foreign Transaction $2.00 1.00% of each transaction in U.S. dollars Penalty Fees: * Late Payment * Returned Payment Up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). 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 rates and fees are current as of June 10, 2019.10.00 $10.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 9.99% APR for Balance Transfers 8.505.24% - 24.00% When Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setup and will be fixed for the life of the balance transfers. For transfers posted after the first 60 days, the applicable APR is based on credit qualifications. This your APR will vary with the marketing based on the Prime Ratebe 9.99%, same as purchases. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of Mastercard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two limitations on this right: • (a) You must have made the purchase in your home state orstate, or if not within your home state state, within 100 miles of your current mailing address; and • (b) The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING CUSTOMER SERVICE: (000) 000-0000 – 24 hours a day/7 days a week. (Please have account information available.) IMPORTANT DISCLOSURE INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate STANDARD ANNUAL PERCENTAGE RATE (APR) for Purchases & Purchases, Balance Transfers 8.50% - 24.00% When you open your accountTransfers, 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50for: Platinum MasterCard: 8.00% - 29.00Gold MasterCard: 10.00% This APR will vary with the market based on the Prime Rate. Cash Advance FeeStandard MasterCard: 315.00% Grace Period for Repayment of cash advance $5.00 minimum / No maximum Paying Interest Your due date is balances for Purchases You have not less than 25 days after to repay your balances for purchases before a finance charge will be imposed. Method for Computing the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances on the transaction date. 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 Balance for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Card Replacement Fee: up to $5 Other Fees Foreign Transaction Fee: Waived How we will calculate your balance: We use a method called “average daily balance” Purchases Average Daily Balance (including new purchases). Variable rates are based on the prime rate plus a factor of 5.5%–13.5% (10.5%–18.5% * Minimum Finance Charge None Transaction Fee for Purchases None, except for foreign transactions Transaction fee for cash advances)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. 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, depending on credit qualifications. Variable rates may change quarterly. We reserve the right call us collect at 409/765-5773 or write to amend the 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 as permitted by law. The above rates and fees are current as of June 10, 2019Disclosure Statement for future reference.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two limitations on this right: • You must have made the purchase in your home state or, if not within your home state state, within 100 miles of your current mailing address; and • The the purchase price must have been more than $50.00.These 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. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & Balance Transfers 8.504.9% - 24.00Introductory APR for the first 6 billing cycles after account opening. At the end of this period, your APR will be 9.42% When you open your accountto 11.92%, the applicable APR is based on credit qualificationscreditworthiness. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. APR For Balance Transfers 5.9% for the first 12 billing cycles after Balance Transfer. At the end of this period, the APR will vary with the market based Prime Rate as noted in the Interest Rate section of this agreement. APR For Cash Advance Fee: 3Advances 22.9% of cash advance $5.00 minimum / No maximum Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases balance that 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 dateis posted to your account. 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. Card Replacement Fee: up xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees NONE Transaction FeesBalance Transfer Rush Ship Cash Advance Foreign Fees NONE Up to $25.00 2% of the amount of each case advance with a minimum fee of $5 Other per ATM transaction or $10 per in person transaction. 2% of each transaction in U.S. dollars. Penalty Fees Foreign Transaction Fee: Waived Late Payment Over-the-Credit-Line Returned Payment Up to $25.00 NONE Up to $25.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” ”. See your account agreement for further information regarding how we calculate your balance. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 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 (including 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 purchases)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 rates APRs are based on the prime 4.75% Prime Rate as of July 27, 2022 Balance Transfer APR: Your Balance Transfer 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 lawis 5.9%. The above rates and fees are current as monthly periodic rate of June 10, 2019FINANCE 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 property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 11.99% APR for Balance Transfers 8.507.24% - 24.00% When you open On Balance Transfers posting to your accountaccount during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 13.99% APR for Balance Transfers 8.509.24% - 24.00% When Introductory APR when you open your account. Applied to balance transfers posted to your account during the first 60 days after your account setup and will be fixed for the life of the balance transfers. For transfers posted after the first 60 days, the applicable APR is based on credit qualifications. This your APR will vary with the marketing based on the Prime Ratebe 13.99%, same as purchases. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of Mastercard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit Limit · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by lawabove for more details. The Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above rates and fees are current as of June 10, 2019in your Credit Card Agreement.

Special Rule for Credit Card Purchases. If you have a problem with the quality of 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 to pay the remaining amount due on the property or services. There are two (2) limitations on this right: . • You must have made the purchase in your home state or, if not within your home state state, within 100 one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00.These 50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES NORRISTOWN XXXX CREDIT UNION 0000 Xxxx Xxxx Xxxx Xxxx Xxxx, 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 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 & Balance Transfers 8.509.90% - 24.00% When you open your 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 year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.509.90% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum 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 the portion of the purchases balance that 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. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. Card Replacement Fee: Fees Set-up and Maintenance Fees None Annual Fee Transaction Fees Balance Transfer Fee None Cash Advance Fee None Foreign Transaction Fee 1.00% of each currency transaction in U.S. dollars Penalty Fees Late Payment Fee Up to $5 Other Fees Foreign Transaction Fee: Waived 25.00 Returned Check/ACH Fee Up to $25.00 How we will calculate your balance: We Will Calculate Your Balance. We use a method called “average daily balance” balance (including new purchases). Variable rates are based on the prime rate plus a factor of 5.5%–13.5% (10.5%–18.5% .” See your account Agreement 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 rates and fees are current as of June 10, 2019more details.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property goods 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 not have the right not to pay the remaining amount due on the property goods or services. There are two limitations on You have this right: • You must have made protection only when the purchase price was more than $50.00 and the purchase was made in your home state or, if not within your home state or within 100 miles of your current mailing address; and • The purchase price must have been more than $50.00.These limitations do not apply if . (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. 6/10/19 PRICING INFORMATION ADDENDUM , all purchases are covered regardless of amount or location of purchase.) INTEREST RATES RATE AND INTEREST CHARGES FEES Annual Percentage Rate (APRRate(APR) for Purchases & 9.99% APR for Balance Transfers 8.505.24% - 24.00% When you open based on your accountcreditworthiness. On Balance Transfers posting to your account during the first 60 days after your account setup. After that, the applicable same as the APR is based on credit qualificationsfor purchases. This APR will vary with the marketing based on the Prime Rate. Annual Fee: $49*, waived the first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.5018.00% - 29.00% This APR will vary with the market based on the Prime Rate. Bank Cash Advance Fee: 3% of cash advance $5.00 minimum / No maximum Paying Interest 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 the portion of the purchases balance that if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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/learnmorexxxx://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. Card Replacement Fee: up to (This is a pass through of MasterCard's currency conversion fee.) Penalty Fees · Late Payment · Over-the-Credit-Line · Returned Payment - $5 Other Fees Foreign Transaction Fee: Waived 20.00 - None - $15.00 How we will calculate your balanceWe Will Calculate Your Balance: We use a method called “average daily balance” balance (including new purchases)”. 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 See the Credit Card Agreement as permitted by law. The above rates and fees are current as of June 10, 2019for more details.