How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Attorney Fees and Cost: If collection efforts are required you agree to pay all cost and expenses incurred in the collection of any sum due including but not limited to attorneys' fees, court cost, and all other expenses related to enforcing our rights under this agreement.

Purchase APR: Your Purchase rate is 17.92%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.49333%

Cash APR: Your Cash rate is 17.92%.. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.49333%

Military Lending APR: Effective October 1, 2017, 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 dependent may not exceed a Military Annual Percentage Rate(MAPR) of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transactions; any applications 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).

Citizens State Bank - Card Regulations

1. Agreement. These regulations govern the possession and use of credit cards (“card”) issued by Citizens State Bank (“Issuer”). Each person who applies for a credit card and in whose name the card is issued (“Holder”) consents and agrees to these regulations and to the terms contained on the credit cards, sales drafts, credit adjustment memos and cash advance drafts, signed by or given to Holder or any authorized user of Holder’s cards. When credit cards are issued upon the application of two or more persons, all such persons shall be jointly and severally liable as Holders. The provisions of these regulations, as amended from time to time, govern Holder’s obligations, notwithstanding any additional or different terms contained in sales drafts, credit adjustment memos, cash advance drafts or other forms signed by or given to Holder or any user of Holder ‘s cards to evidence a credit card transaction. Holder authorizes an investigation of Holder’s credit standing prior to the issuance of a credit card to Holder and at any time thereafter and authorizes disclosure of information to third parties relating to Holder’s credit standing. These regulations apply to all credit cards issued to Holder or to others on Holder’s authorization and to any user of Holder’s cards.

2. Membership Fees. As a condition of participation in the issuer’s credit plan and the issuance of a card, Holder agrees that there is no annual membership fee for VISA consumer and business accounts. The membership fee described above entitles the Holder to two VISA cards. Holder agrees to pay a fee for each additional card requested. Please see Rates and Fees Disclosure Table for fees charged.

3. Use of Card. Credit for purchases from a merchant or a cash advance from a participating financial institution may be obtained by Holder or an authorized user of Holder’s card presenting one of Holder’s cards to the merchant or participating financial institution and, if requested, by providing the proper identifying information and signing the appropriate drafts. Failure to sign a draft does not relieve the Holder of liability for purchases made or cash received. The use of this card for illegal transactions is prohibited. The card may also be used to obtain cash advances from certain automated equipment provided it is used with Holder’s correct Personal Identification Number (“PIN”) issued to Holder. Holder may make only two cash advance withdrawals totaling not more than $200 each day from compatible ATM terminals. Terminals or terminal operators may have other limits on the amounts or frequency of cash withdrawals. Holder will not be liable for the unauthorized use of the card or PIN issued to Holder which occurs before issuer receives notification orally or in writing of loss, theft or possible unauthorized use of a card or PIN. Lost or stolen cards or PINS should be reported immediately to Issuer by notifying CUSTOMER SERVICE, P.O. Box 31535, Tampa, FL 33631-3535, and Telephone (866) 839-3485.

4. Use of Citizens State Bank card Checks. Credit obtained by use of a Balance Transfer Check shall be treated as a credit purchase. Credit obtained by use of Classic or Premier Check shall be treated as a cash advance.

5. Credit Line. Holder will from time to time be informed of the amount of the approved credit line established for Holder, and Holder covenants not to make credit purchases or borrowings in excess of that amount. Holder is liable for all purchases and borrowings made with Holder’s cards by Holder or by anyone authorized to use Holder’s cards.

6. Payment. Holder will be furnished a monthly statement for each billing period at the end of which there is an undisputed debit or credit balance of $1.00 or more. Holder shall pay within 25 days after each statement Closing Date either (a) the full amount billed (“New Balance”) or, at Holder’s option, (b) a minimum Payment of $10.00 or 2% of the New Balance, whichever is greater. Payments may be mailed to Citizens State Bank , P.O. Box 4512 . Carol Stream, IL 60197-4512. Payments may be made, in person, at a Citizens State Bank office. Payments received after 5:00 p.m. on any processing day or at any time on any non processing day will be considered as payments made on the following processing day. All payments by Holder will be applied first to payment of Interest Charges in the order of their entry to the account, second to additional fees and credit insurance charges, if any, in the order of their entry to the account, third to previously billed cash advances, purchases and other similar charges in the order of their entry to the account, and then to current cash advances, purchases and other similar charges in the order of their entry to the account.

7. Interest Charges. Holder shall pay Interest Charges as shown on Holder’s monthly statements, for each billing period in which there is a cash advance or the Previous Balance is not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Rates and Fees Disclosure Table. We figure the Interest Charges on your account by applying the monthly Periodic Rate (The Monthly Periodic Rate is 1/12th of the Annual Percentage Rate) to the entire “Balance Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with Holder and written in connection with these regulations. The “Balance Subject to Interest Rate” is the “average daily balance,” of the account (including current transaction). To get the “average daily balance,” we take the beginning balance of the account each day, add any new cash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and unpaid Interest Charges. This gives us the daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. Holder may avoid additional Interest Charges on an account by paying in full the New Balance shown on the account’s monthly statement within 25 days after the Closing Date for that statement.

8. Fixed Annual Percentage Rate. A fixed Interest Rate generally remains the same rate but can change under certain circumstances. 1. If you are more than 60 days late on your credit card payment, 2. You had a promotional rate that has ended, 3. You’ve just completed a debt management program. Interest Rates can’t increase within the first year of the account’s opening unless it’s for the reasons listed above. See Section 19 on Amendments for timeline required for other rate or fee changes. The current Annual Percentage Rate for new accounts is disclosed on the accompanying card mailer in the Rates and Fees Disclosure Table.

9. Additional Fees. For a listing of fees charged in association with this card, please see the Rates and Fees Disclosure Table accompanying this Agreement. These charges will not be imposed if Holder’s request is in connection with or delivery of the documents in response to an alleged billing error under Regulations E or Z issued by the Board of Governors of the Federal Reserve System. Fees imposed will be posted to Holder’s account.

10. Security Interest. All credit advanced to Holder for credit purchases or cash advances constitutes loans made by Issuer to Holder in the state of IN . Issuer disclaims as security for loans made to Holder under these regulations any security interest it may at any time have in household goods or real property. Except as disclaimed above, loans made to Holder after the effective date of these regulations may be secured by collateral given by any Holder to secure other loans from Issuer.

11. Insurance. If the Holder is eligible and elects to participate in the group credit life, disability and loss of income insurance program by signing the appropriate enrollment forms, insurance charges will be posted to Holder’s account each statement period at the rate disclosed in the enrollment form based upon the New Balance on the account (including accrued Interest Charges) for each statement period. CREDIT LIFE, DISABILITY AND LOSS OF INCOME INSURANCE IS VOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO HOLDER’S PARTICIPATION IN THIS CREDIT PLAN.

12. Foreign Transactions. If a Holder’s card is used to effect a transaction in a foreign currency, the transaction amount will be converted to U.S. dollars by VISA International, VISA converts currency to U.S. dollars using either the government mandated exchange rate or the wholesale exchange rate, in effect one day before the date of the conversion, as applicable. The exchange rate is increased by 1% if the conversion is made in connection with a charge to an account and decreased by 1% if the conversion is made in connection with a credit to an account. The date of conversion by VISA may differ from the purchase date and the posting date identified in the monthly statement for the account. Holder agrees to pay charges and accept credits for the converted transaction amounts in accordance with the terms of this paragraph.

13. Disputes. Issuer is not responsible for refusal by any merchant, financial institution or automated equipment to honor or accept a card. Except as provided in the Federal Truth-in-Lending laws(as indicated in the Summary of Billing Rights below), Issuer has no responsibility for merchandise or services obtained by Holder with a card and any dispute concerning merchandise or services will be settled between Holder and the merchant concerned.

14. Default. Holder covenants to observe and comply with these regulations and covenants not to permit an event of default to occur. Upon the occurrence of any one or more of the following events of default: (a) Holder fails to pay at least the Minimum Payment when due on two occasions within any 12-month period; or (b) Holder dies, ceases to exist, changes residency to another state, becomes insolvent or the subject of bankruptcy or insolvency proceedings or fails to observe any covenant or duty contained in these regulations, if such event or breach materially impairs Holder’s ability to pay amounts due; the full amount of Holder’s account for which the default occurred (including unpaid Interest Charges) shall, at Issuer’s option become immediately due and payable if Holder does not cure the default within 15 calendar days after notice is mailed to the address of Holder, or given as otherwise provided by law. Issuer has this right, without notice and opportunity to cure; if the default is the Holder’s third default within 12 months and the Holder is notified of the prior two defaults and the Holder cured those defaults.

15. Attorney Fees and Cost. If collection efforts are required you agree to pay all costs and expenses incurred in the collection of any sum due including but not limited to attorneys’ fees, court costs, and all other expenses related to enforcing our rights under this agreement.

16. Termination. Holder’s consent to these regulations may be terminated at any time by surrendering the cards issued to Holder or at Holder’s written request, but such termination shall not affect Holder’s obligations as to any balances or charges outstanding at the time of termination. Termination by any Holder shall be binding on each person in whose name the card is issued. If Holder’s spouse terminates this credit plan, the full amount of Holder’s account (including unpaid Interest Charges) may be declared immediately due and payable. Issuer may terminate Holder’s privilege to use the cards if Holder moves out of the service area of Issuer, as defined by Issuer from time to time. Unless sooner terminated, the privilege to use the cards shall expire on the date shown on the cards. At any time, without liability to Holder and without affecting Holder’s liability for credit previously extended, Holder’s privilege to use the cards may be revoked or limited to the extent not prohibited by law. The cards are and shall remain the property of Issuer and Holder agrees to surrender them to Issuer upon demand.

17. Military Lending Act. 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 dependent may not exceed a Military annual percentage rate(MAPR) of 36 percent. This rate must include, as applicable to the credit transaction or account; the costs associated with credit transactions; 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 credit card account).

18. Visa Account Updater (VAU) / MasterCard Account Updater (ABU). Is an account updating service your card is automatically enrolled in. When your card(s) expire, are lost or stolen and new cards are issued, the service may update card data (card numbers and expiration dates) to participating merchants to facilitate uninterrupted processing of your recurring charges. VAU / ABU updates a Visa / MasterCard database only. The database is accessed by qualified merchants seeking your information after you have requested processing of recurring payments or payment. This service is provided as a benefit to you. If at any time you wish to opt-out of the VAU / ABU service or if you have any questions, please call 888-529-5450

19. Amendments. Issuer may amend these regulations from time to time by sending Holder advance written notice not less than 90 days prior to the effective date for any change that is either adverse to Holder’s outstanding balance or increases certain fees, as required by the IN Consumer Act from time to time, or not less than 15 days prior to the effective date for other changes, or as may otherwise be required or permitted by law. To the extent that Issuer indicates in the notice and that the law permits, amendments will apply to Holder’s existing account balance as well as to future transactions. Notices are deemed given when mailed by Issuer to any Holder to the current address for mailing monthly statements. Invalidity of any provision of these regulations shall not affect the validity of any other provisions unless otherwise provided by the IN Consumer Act.

20. Governing Law. Holder agrees to be governed by the IN Consumer Act with respect to all aspects of the transactions arising under these regulations. All statutory references are to the statutes as they may be renumbered or amended from time to time.