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 (2) limitations on this right: • You must have made the purchase in your home state or, if not within your home state, within one hundred (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. INTEREST RATES AND INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases 11.75% 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 Advances 11.75% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 28 days after the close of each billing cycle. We will not charge you 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 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. FEES: 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 $10.00 $10.00

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 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 one hundred (100) 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: CHARGES FEES Annual Percentage Rate (APR) for Purchases 11.75& 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. APR for Balance Transfers 11.75Cash Advance Fee: 3% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 11.75% This APR will vary with the market based on the Prime Rate. How to Avoid of cash advance $5.00 minimum / No maximum Paying Interest on Purchases Your due date is 28 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge No Minimum Interest Charge. Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 For Credit Card Tips from the Consumer Financial Protection Bureau (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. FEESCard Replacement Fee: Annual Fee None Transaction Fees: * Balance Transfer * Cash Advance * up to $5 Other Fees Foreign Transaction $2.00 1.00Fee: 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 each transaction in U.S. dollars Penalty Fees: * Late Payment * Returned Payment Up to $10.00 $10.00June 10, 2019.

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, within one hundred (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. DISCOVER THE DIFFERENCE. rev 08/2022 000 X 00xx Xxxxxx | Xxxxxxx | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases 11.7514.50% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 11.7514.50% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 11.7514.50% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 28 days after the close of each billing cycle. We will not charge you 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 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. FEES: Annual Fee None NONE Transaction Fees: * - Balance Transfer * - Cash Advance * - Foreign Transaction $2.00 5.00 $5.00 1.00% of each transaction in U.S. dollars US Dollars Penalty Fees: * - Late Payment * - Returned Payment Up to $10.00 $10.0020.00 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 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 $ $

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, within one hundred (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. DISCOVER THE DIFFERENCE. rev 02/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases 11.75% 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 Advances 11.75% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 28 days after the close of each billing cycle. We will not charge you 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 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. FEES: Annual Fee None NONE Transaction Fees: * - Balance Transfer * - Cash Advance * - Foreign Transaction $2.00 5.00 $5.00 1.00% of each transaction in U.S. dollars US Dollars Penalty Fees: * - Late Payment * - Returned Payment Up to $10.00 $10.0020.00 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 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 $ $

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, within one hundred (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. DISCOVER THE DIFFERENCE. rev 08/2020 000 X 00xx Xxxxxx | Yankton | SD | 57078 800.491.4309 | XxxxxxxxxXX.xxx INTEREST RATES AND INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases 11.7510.25% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 11.7510.25% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 11.7510.25% This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 28 days after the close of each billing cycle. We will not charge you 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 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. FEES: Annual Fee None NONE Transaction Fees: * - Balance Transfer * - Cash Advance * - Foreign Transaction $2.00 5.00 $5.00 1.00% of each transaction in U.S. dollars US Dollars Penalty Fees: * - Late Payment * - Returned Payment Up to $10.00 $10.0020.00 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 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 $ $

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 one hundred (100) 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. PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES: CHARGES FEES Annual Percentage Rate (APR) for Purchases 11.75& 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: 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. APR for Balance Transfers 11.75Cash Advance Fee: 3% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 11.75% This APR will vary with the market based on the Prime Rate. How to Avoid of cash advance $5.00 minimum / No maximum Penalty Fees Paying Interest on Purchases Your due date is 28 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge No Minimum Interest Charge. Late Payment Fee: up to $35 Returned Payment Fee: up to $20 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. FEESCard Replacement Fee: Annual Fee None Transaction Fees: * Balance Transfer * Cash Advance * up to $5 Other Fees Foreign Transaction $2.00 1.00% of each transaction in U.S. dollars Penalty FeesFee: * Late Payment * Returned Payment Up to $10.00 $10.001.1% 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.