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CO-APPLICANT INFORMATION
NOTE: You do not need to fill out this section unless you are applying for a joint application.








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1 A married Wisconsin resident applying for credit in his/her own name must complete the required spousal information in the co-applicant section. The Issuer may give notice of the opening of any credit account to the applicant’s spouse. If you reside in a community property state, such as AZ, CA, ID, LA, NM, NV, TX, WA or WI, the assets of your marital community will be liable in this account even if you apply for a separate account and this application is not signed by your spouse (unless you attach a statement that you wish to apply for a separate account based solely on your separate assets). If you reside in a community property state, credit extended under this account will be incurred for a community benefit.
FINANCIAL INFORMATION

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*You need not list income from alimony, child support or separate maintenance unless you want it considered for purposes of repaying this obligation.
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*To be considered a complete application, you must come into one of our eight locations and provide our Customer Service Representative a suitable form of photo identification and/or other necessary identification documents as required by the USA Patriot Act. This online application provides our staff initial information so we may prepare your paperwork prior to your arrival to expedite your account opening process.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases/ Balance Transfers

12.24% to 19.99% when you open your account, based on your creditworthiness.

After that, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances

19.99% fixed rate

How to Avoid Paying Interest on Purchases

Your due date is at least 21 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.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit a card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Annual Fee: $50

Transaction Fees

Balance Transfer

Either $10 or 3% of the amount of each transfer, whichever is greater

(maximum fee: $150)

Cash Advance

Either $10 or 3% of the amount of each transfer, whichever is greater

(maximum fee: $50)

Foreign Transaction

3% of each transaction in U.S. Dollars

Penalty Fees

Late Payment: Up to $15

Over-the-Credit Limit: None

Returned Payment: Up to $30

Returned Check: Up to $30

How We Will Calculate Your Balance: 

We use a method called "average daily balance" (including new purchases).

Billing Rights: 

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement and monthly statement. Prime Rate as published in the Wall Street Journal updated no less frequently than each calendar month. We may report information about your account to the credit bureau. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

THIS INFORMATION IS ACCURATE AS OF 09/22/2011 AND MAY CHANGE. To find out what may have changed, call us at 866-341-5195, or write us at Credit Card Department, 6400 Westown Parkway,West Des Moines, IA 50266.

Cardmember Agreement: For additional information about the costs and terms of the account, see Issuer's Card member Agreement which will be sent with the card. The Cardmember Agreement and the account will be governed by Iowa and applicable federal law. The Card member Agreement, which includes rates and lees, is subject to change. State Disclosures: Notice 10 New York Residents: New York residents may contact the New York State Banking Department at 800518-8866 to obtain a comparative listing 01 credit card rates, fees and grace periods. Notice to Ohio Residents: 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. Notice 10 Married Wisconsin Residents: IF YOU ARE A MARRIED WISCONSIN RESIDENT. CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. No agreement, individual statement or court order applying to marital property will adversely affect the creditor's interest unless the creditor prior to the time credit is extended is furnished with a copy of the agreement, statement or order, or has actual knowledge 01 the adverse provision when the obligation to the creditor is incurred. Notice to California Residents: Regardless of your marital status, you may apply for credit in your name alone.

9/2011

Reward yourself with over 6 million options

Welcome to Choice Rewards, our credit cardholder appreciation program. Choice Rewards gives you an opportunity to earn points just for using your card. You can redeem those points for a wide variety of great rewards. There's nothing special to do ... just use your card. Each month, your statement will reflect points earned and total points accumulated. You'll earn one point for each dollar of purchase.

To view a current list of rewards and the point values, or to redeem points for rewards, visit

www.selectyourrewards.com/choicerewards.

If you have questions about your account, please contact your financial institution.

TERMS AND CONDITIONS**

Changes to the Program may happen at anytime without notice and without restriction or penalty. For the most current list of merchandise available, point values and to redeem points for merchandise, visit www.selectyourrewards.comlchoicerewards.

1. Every dollar in purchases net of returns ("Net Purchases") "You" (see paragraph 10) charge to your account covered by this Choice Rewards Program ("Program") and that appears on your statement during the Program period, earns You one bonus point ("Point") as provided for in these Rules. Points for this Program begin to accumulate with purchases you make beginning on the first day You are accepted into the Program. Final Choice Reward orders must be received no later than 60 days after your Program ends. Contact your Financial Institution for details.

2. Points can be used to order items described online at www.selectyourrewards.com/choicerewards. You may select rewards from any level, subject to availability, as long as You have the then-necessary number of Points posted to your account. Point requirements are subject to change and Rewards may be substituted at any time. Should a Reward be discontinued, it will be replaced with a Reward of equal or greater value or You will be advised so that You can make an alternate selection.

3. Points in this Program may not be used with any other offer, promotion or discount, cannot be earned from or transferred to any other charge, credit card, or other accounts. The Financial Institution may offer additional redemption opportunities at its discretion.

4. Your statement will normally include the number of Points earned, subject to adjustment as provided for in these Rules. Points will be deducted from your current total of Points earned for corresponding retail purchase returns posted to your account. Your account may be charged for the difference in the event You have already redeemed unearned Points.

5. Your account must be open and clear (i.e., not cancelled, terminated, delinquent or otherwise not available 10 use for charges) at the time You request to redeem Points. Otherwise, the Financial Institution reserves the right to suspend your participation in the Program and your Points will be forfeited.

6. Despite our best efforts to ensure accuracy, printing errors occasionally occur. We reserve the right to correct such errors at anytime even if it affects an existing order.

7. This Program may be modified, suspended or cancelled and the redemption value of already accumulated Points may be changed at any time without notice and without restriction or penalty.

Maximum accumulation of Points is 10,000 per month. Points are tracked and redeemable on a first-in, first-out basis. Points will expire three (3) years from date of issuance. The Financial Institution reserves the right to change the point accrual and retention period from time to time. Changes to the Program may include, but are not limited to, modifications which (i) increase the Point value for every Net Purchase dollar charged and (ii) expire Points based on the Point term, age and expiration date of the selected option(s). You will be notified of Point accrual and/or Point expiration Program changes. Contact the Financial Institution for details on applicable accumulation options which are then in effect. Points may be forfeited due to Rules violations. This Program is void where prohibited or restricted by law. You are responsible for any federal, state or local income, sales, use or other taxes or gratuities.

8. You agree to hold First Data, The Members Group and any Association and any vendors associated with the Program totally harmless if the Financial Institution fails to meet its contractual and other obligations with First Data or The Members Group, which results in the Program being interrupted or terminated prior to You having the opportunity to redeem your Points. Also, You agree to hold First Data/The Members Group/Financial Institution/Association harmless if vendor files for bankruptcy, or otherwise goes out of business, after You have redeemed your Points for a reward from the vendor but before You are able to use the reward.

9. Certain restrictions may apply to travel, lodging and other certificates. Travel and other certificates are not exchangeable, refundable, transferable or redeemable for cash. All certificates will be mailed first class and will not be replaceable in the event of loss, destruction or theft.

10. This Program is available to account holders ("You") which the Financial Institution has enrolled in this Program. Your use of your account following receipt of these Rules will indicate your agreement to these Rules.

** For full Terms and Conditions, visit www.selectyourrewards.comlchoicerewards

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases/ Balance Transfers

8.24% to 19.99% when you open your account, based on your creditworthiness.

After that, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances

19.99% fixed rate

How to Avoid Paying Interest on Purchases

Your due date is at least 21 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.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit a card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Annual Fee: No Annual Fee

Transaction Fees

Balance Transfer

Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $150)

Cash Advance

Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $50)

Foreign Transaction

3% of each transaction in U.S. Dollars

Penalty Fees

Late Payment: Up to $15

Over-the-Credit Limit: None

Returned Payment: Up to $30

Returned Check: Up to $30

How We Will Calculate Your Balance: 

We use a method called "average daily balance" (including new purchases).

Billing Rights: 

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement and monthly statement. 

Prime Rate as published in the Wall Street Journal updated no less frequently than each calendar month. 

We may report information about your account to the credit bureau. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

THIS INFORMATION IS ACCURATE AS OF 09/22/2011 AND MAY CHANGE. To find out what may have changed, call us at 866-341-5195, or write us at Credit Card Department, 6400 Westown Parkway,West Des Moines, IA 50266.

Card member Agreement: For additional information about the costs and terms of the account, see Issuer's Card member Agreement which will be sent with the card. The Cardmember Agreement and the account will be governed by Iowa and applicable federal law. The Card member Agreement, which includes rates and lees, is subject to change. State Disclosures: Notice 10 New York Residents: New York residents may contact the New York State Banking Department at 800518-8866 to obtain a comparative listing 01 credit card rates, fees and grace periods. Notice to Ohio Residents: 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. Notice 10 Married Wisconsin Residents: IF YOU ARE A MARRIED WISCONSIN RESIDENT. CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. No agreement, individual statement or court order applying to marital property will adversely affect the creditor's interest unless the creditor prior to the time credit is extended is furnished with a copy of the agreement, statement or order, or has actual knowledge 01 the adverse provision when the obligation to the creditor is incurred. Notice to California Residents: Regardless of your marital status, you may apply for credit in your name alone.

9/2011