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

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

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

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

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

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

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

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

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

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . DISCOVER THE DIFFERENCE. rev 02/2024 000 X 00xx Xxxxxx | Xxxxxxx | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9915.50% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2415.50% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0015.50% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-Credit Limit · - Returned Payment - Up to $10.00 $20.00 - None - None How We Will Calculate Your BalanceMLA Disclosure: We use “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 method called “average daily balance 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 (including new purchasesother than certain application fees for specified credit transactions or accounts)”. See the Credit Card Agreement above ; and any participation fee charged (other than certain participation fees for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreementa credit card account).” ELF323 DISCOVER THE DIFFERENCE.

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

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

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

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

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

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

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

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

Special Rule for Credit Card Purchases. If you have a problem with the quality of goods property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not have to pay the remaining amount due on the goods property or services. There are two (2) limitations on this right: • You must have this protection only when made the purchase price was more than $50.00 and the purchase was made in your home state or or, if not within 100 your home state, within one hundred (100) miles of your current mailing address; and • The purchase price must have been more than $50.00. (If These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) . ELF323 DISCOVER THE DIFFERENCE. rev 08/2023 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATE RATES AND INTEREST CHARGES CHARGES: Annual Percentage Rate (APR) for Purchases 11.9915.25% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 7.2415.25% On Balance Transfers posting to your account during This APR will vary with the first 60 days after your account setup. After that, market based on the same as the APR for purchasesPrime Rate. APR for Cash Advances 18.0015.25% Bank Cash Advance and ATM Cash Advance This APR will vary with the market based on the Prime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged periodic interest, there will be no minimum chargeNo Minimum Interest Charge. For Credit Card Tips from the The Consumer Financial Protection Bureau (CFPB) To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fees Fee NONE Transaction Fees: - None for regular cards - $25.00 for Deposit Secured Cards Transaction Fees · Balance Transfer · - Cash Advance · - Foreign Fees - None - None - 1.10Transaction $5.00 $5.00 1.00% of each transaction in U.S. dollars. (This is a pass through of MasterCard's currency conversion fee.) US Dollars Penalty Fees · Fees: - Late Payment · Over-the-- Returned Payment Up to $10.00 $20.00 MLA Disclosure: “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her de- pendent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).” ELF323 DISCOVER THE DIFFERENCE. rev 08/2023 MasterCard #: Date: Ordered By: Credit Application CREDIT LIMIT REQUESTED $ Base Acct #: Date: Check Account Choice: (Only One) Individual Account Joint Account Credit Limit · Returned Increase — APPLICANT — Note: All applicable sections should be filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment - $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ Nearest Relative (Not Living With You) Telephone Number Relationship Their Address City State Zip Code * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. — CO-APPLICANT OR SPOUSE — Complete this section only if co-applicant or spouse is applying for joint credit. Last Name First Middle Social Security Number Date of Birth # of Dependents Home Phone # Own Rent Other Monthly Payment $ Street Address City State Zip Code How Long (yrs) Previous Address City State Zip Code How Long (yrs) Employment Self Employed Yes No Telephone Number Employment Date Address Position / Occupation $ Mo. Net Income Name and Address of Previous Employer How Long (yrs) Source of Additional Income* Amount Per Month $ * You need not furnish alimony, child support or maintenance income information if you do not want us to consider it in evaluation of your application. CREDIT INFORMATION: Attach additional sheet if necessary. Bank Name and Address Branch Loans Open Closed Checking Account Number / Name Listed Savings Account Number / Name Listed Creditor Name & Address Acct Number Balance Monthly Payment 1. Home Mortgage $ $20.00 - None - None How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. See the Credit Card Agreement above for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above in your Credit Card Agreement.