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TERMS - Page 1

Terms page 2
Not available to residents of Wisconsin and New York.

Other Fees: Returned Payment Fee: $20; Account Handling Fee: $25 if it is necessary to place restrictions on account; Closing Fee: $25 if your account is closed, regardless if the closure is requested by you or by us; Fee for Statement Copy Request: $2.50 per page; Replacement Card Fee: $5 for the first replacement, $15 for the second replacement; Fee for adding an Additional Cardholder: $15.

*The Processing Fee and the Monthly Participation Fee are imposed and charged to your new CreditLink Visa at the time it is issued to you. Your CreditLink Visa will be sent to you, together with a Cardholder Agreement containing all of the terms applicable to your credit card account. You may elect not to accept your CreditLink Visa, in which case no fees will be imposed, by returning the credit card, cut in half, within thirty (30) days of your receipt of the card. If you do not return the credit card to us within thirty (30) days of your receipt of the card, you will be deemed to have accepted the card.

Authorization: If my application is approved, I authorize First National Bank in Brookings to do the following: draft $100 from my existing checking account and charge my new credit card account $200. The funds will be deposited in my new savings account at First National Bank to secure my new credit card account.

Finance Charges: Your Account will also be subject to the following finance charges, each of which will be billed to your Account as a Purchase:

Periodic Finance Charges: A FINANCE CHARGE is imposed on Purchases beginning the date the Purchase is posted to your Account. No FINANCE CHARGE will be imposed on your Purchases if you pay your New Balance in full by the Payment Due Date shown on your monthly statement, including any Cash Advances or ATM transactions owed on your Account, and there are no Cash Advances or ATM transactions outstanding on your Account after the Billing Cycle Closing Date. A FINANCE CHARGE is imposed on Cash Advances and ATM transactions beginning on the date they are obtained and continues until the balance of your Account is paid in full. There is no time in which you can pay the balance of Cash Advances or ATM transactions in order to completely avoid a FINANCE CHARGE.

Computing Periodic Finance Charges: The FINANCE CHARGE is determined by multiplying the Average Daily Balance for Purchases and for Cash Advances outstanding during the monthly billing cycle by the monthly Periodic Rate. The monthly Periodic Rate for Purchases and Cash Advance balances is 1.65% which is equivalent to an ANNUAL PERCENTAGE RATE of 19.8%. The minimum FINANCE CHARGE is $.50.

The Average Daily Balance is computed by taking the beginning balance of your Account on each day, calculated separately for Purchases and Cash Advances, adding new Purchases and/or Cash Advances and subtracting any payments or credits to get each day's daily balance. The daily balances are then added together and divided by the number of days in the billing cycle to get the Average Daily Balance.

Cash Advances: In addition to the monthly calculation of the Cash Advance FINANCE CHARGE, there is an additional FINANCE CHARGE of 3% (minimum $3.00) for each Cash Advance posted to your Account that month.

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Collateral Savings Account Disclosure. An interest rate of 2.97% will be paid only for that portion of the daily balance of your Collateral Savings Account that is greater than $2,000.00. The annual percentage yield on this portion of your Collateral Savings Account is 3.00%. You will be paid this rate for at least 30 calendar days. No interest is paid on any portion of the daily balance in your Collateral Savings Account which is $2,000.00 or less. If the rate decreases, you will be notified in writing at least 30 calendar days before the new rate takes effect. The annual percentage yield assumes interest remains on deposit until the Collateral Savings Account is closed. A withdrawal of interest will reduce earnings. Interest for your Collateral Savings Account will be paid using the simple interest method and will be credited to your Collateral Savings Account on the last business day of the quarter. Interest is compounded quarterly.  Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). You must deposit $200.00 to open this Collateral Savings Account.

We use the daily balance method to calculate the interest on your Collateral Savings Account. This method applies a daily periodic rate to the principal in the Collateral Savings Account each day.

There are no fees associated with this Collateral Savings Account. This Collateral Savings Account is pledged by you to secure your credit card Account with us and, accordingly, you may not withdraw either the principal or interest in this Collateral Savings Account until 60 days after you have closed your credit card Account with us, and paid the balance owed on the account, including interest and fees, in full. We reserve the right to at any time require not less than seven (7) days' notice in writing before any withdrawal from an interest-bearing account. This Collateral Savings Account is not capable of electronic fund transfers.

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Residents of California. A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the credit card account up to the limit of the account. Each applicant may be liable for amounts extended under the plan to any joint applicant.

Residents of Kentucky. You may pay the unpaid balance of your account in whole or in part at any time.

Residents of Wisconsin. No agreement, court order, or unilateral statement applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision. Finance charges on cash advances begin to accrue on the date of the advance.

Residents of Ohio. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Residents of New York. Consumer reports may be requested in connection with the processing of this application and any resulting account. Upon your request, we (First National Bank in Brookings) will inform you of the names and addresses of any consumer reporting agencies which have provided us with such reports. New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative list of credit card rates, fees, and grace periods.

Residents of Delaware. Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

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YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

Terms page 2

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