Instructions for the Business Mastercard Business Packet

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1 Instructions for the Business Mastercard Business Packet STEP 1: Business Mastercard Application and Authorization All fields must be completed in their entirety. Business Information section: Please select the card type. The total credit limit requested is the total limit for all cardholders. Authorized Users section: Please complete this section if you would like someone other than a business owner to be able to request information or changes to the account (such as a credit limit change). Increases to the total credit limit for the business will require a new Business Mastercard Application and Authorization to be completed. Ownership History section: All individuals with 20% or more in ownership interest in the business must be listed. If a business entity has 20% or more in ownership, please list the business name in the Name field and the business TIN in the Social Security Number field. STEP 2: Business Mastercard Guaranty Agreement Any individual or entity with 20% or more in ownership interest of the business (as listed in the Ownership section of the Business Mastercard Application and Authorization) will be required to complete and sign a Guaranty Agreement. STEP 3: Business Mastercard Setup and Change Form Authorization of Business ( Borrower ) section: This section can be signed by any individual listed in the Authorized User section of the Business Mastercard Application and Authorization OR any individual granted the authority to execute agreements on behalf of the business (e.g., sole proprietor, partner, president, corporate secretary or treasurer). For new card holder setup requests, only the following fields are required: Business Information section: Legal name of business, Tax ID number and Today s date. Type of Change(s) Requested section: Add new cardholder(s). o If you would like to request more than five cards, please complete an additional Business MasterCard Setup and Change Form. STEP 4: Return Original Application Return Options: Please return the original application to any Columbia Bank office or mail to: P.O. Box 10727, Eugene, OR *This packet is for businesses only. Nonprofits must complete the Packet for Nonprofit Organizations. August 2016

2 Business Resource Group Use Only: Date stamp and initial. Bank Use Only: Print your full name, date stamp and initial. Business Mastercard Application and Authorization BUSINESS INFORMATION Type of request: New Credit limit increase Type of Mastercard(s) requested: Standard card Cash rewards card Total credit limit requested: *Please Note: The card type will change for all cardholders under the Mastercard Relationship Legal name of business ( Borrower ) Business telephone DBA if applicable Tax ID number Billing address City State Zip Business address City State Zip Type of business: Sole proprietor Corporation Nonprofit corporation Limited liability company Partnership Name of business (List as you would like it to appear on your Mastercard(s). Please do not exceed 21 characters including spaces.) FINANCIAL INFORMATION Columbia Bank may require the Borrower to provide financial information including but not limited to the following: income statement; balance sheet; state and federal tax returns. AUTHORIZED USERS Authorized Users have authority to access information and make changes to the Business Mastercard account including: adding, deleting or modifying cardholders; making address changes; and setting up auto pay. First name Last name Signature Phone number Password First name Last name Signature Phone number Password OWNERSHIP HISTORY List individuals with greater than or equal to 20% ownership interest in the Business ( Borrower ).

3 AUTHORIZATION FOR SOLE PROPRIETORSHIP/PARTNERSHIP I/we certify as follows: (i) I/we am/are the sole owner/sole partners of the Borrower; (ii) the Borrower is properly registered to conduct business; (iii) I/we have the authority to establish the Business Mastercard line of credit account for Borrower and issue cards as requested in this Application; (iv) I/we certify that all information provided in connection with this Application is accurate and complete; (v) I/we authorize Columbia Bank to investigate and to obtain and exchange information regarding me/us, including information regarding my/our creditworthiness and to update such information from time to time until the Mastercard line of credit account has been paid in full and closed; (vi) Borrower s use of the Business Mastercard line of credit account shall be governed by the Mastercard Cardholder Disclosure and Agreement; and (vii) Borrower is bound by the terms of the Mastercard Cardholder Disclosure and Agreement. Date Sole Proprietor or Partner Partner AUTHORIZATION FOR CORPORATION OR LIMITED LIABILITY COMPANY We certify as follows: (i) We have the authority to execute this Business Mastercard Authorization on behalf of Borrower; (ii) the Borrower is duly organized under the laws of the state of formation; (iii) Borrower is authorized to establish the Business Mastercard line of credit and issue cards as requested in this Application and evidenced in adopted resolutions of Borrower; (iv) we certify that all information provided in connection with the application for a Business Mastercard is accurate and complete; (v) we authorize Columbia Bank to investigate and to obtain and exchange information regarding Borrower, including information regarding the creditworthiness of the Borrower and to update such information from time to time; (vi) Borrower s use of the Business Mastercard line of credit account shall be governed by the Mastercard Cardholder Disclosure and Agreement; and (vii) Borrower is bound by the terms of the Mastercard Cardholder Disclosure and Agreement. Date President/Member Corporate Secretary or Treasurer/Member THIS SECTION FOR BANK-USE ONLY Approved by (print name) Date Amount approved Officer s initials ** Cardholders will receive the Business Mastercard Disclosure and Agreement upon issuance of each MasterCard. There are costs and fees associated with the Business Mastercard Account. The Disclosure and Agreement contains information about such costs and fees, as well as the annual percentage rate. You may also contact Columbia Bank toll-free at or by mail at PO Box 10727, Eugene, OR to request information regarding this account.

4 STANDARD AND CASH REWARDS MASTERCARD APPLICATION TERMS STANDARD CARD CASH REWARDS CARD INTEREST RATES & INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 15.90% 15.90% APR for Cash Advances 15.90% 15.90% Minimum Interest Charge If you are charged Interest, the minimum Interest Charge will be no less than $0.50. How to Avoid Paying Interest on Purchases FEES Your due date is 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on Cash Advances and ATM Advances on the transaction date. Annual Membership Fee None $49 per card Transaction Fees Cash Advance $2 or 2% of amount advanced, whichever is greater $2 or 2% of amount advanced, whichever is greater ATM Advance $2 or 2% of amount advanced, whichever is greater $2 or 2% of amount advanced, whichever is greater Foreign Transaction Fee Minimum 1% (See your Account Agreement.) Minimum 1% (See your Account Agreement.) Penalty Fees Late Payment Fee $15 $15 Overlimit Fee $5 $5 Returned Payment Fee $25 $25 HOW WE WILL CALCULATE YOUR BALANCE We use a method called average daily balance. See your Business Mastercard Disclosure and Agreement for more details. BILLING RIGHTS Information on your rights to dispute transactions and how to exercise those rights is provided in your Business Mastercard Disclosure and Agreement. NEGATIVE INFORMATION DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT Columbia Bank, like all financial institutions, is required by Federal law to obtain, verify, and record information that identifies each customer that opens an account or creates a new customer relationship with our bank. When a client opens an account, we will ask for the client s legal name, address, tax identification number and other identifying information. We may ask for copies of business licenses or other documents evidencing the existence and good standing of the entity. For individuals, including sole proprietors, we may ask for the date of birth. We may also ask to see your driver s license or other identifying documents. Nonprofit organizations please provide a copy of your official minutes which includes the authorization to apply and the organization s last two years of financial statements. June 2016

5 Business Mastercard Guaranty Agreement BORROWER BUSINESS INFORMATION Borrower name Borrower address (street, city, state and zip) GUARANTOR Guarantor name Guarantor address (street, city, state and zip) AGREEMENT 1. GUARANTY. For valuable consideration, the Guarantor unconditionally guarantees and promises to pay to Bank, on demand, in lawful money of the United States of America, the Indebtedness of Borrower to Bank, as defined below. 2. INDEBTEDNESS. The term Indebtedness means all advances arising under the Business Mastercard Agreement between Columbia Bank and the above listed Borrower ( Agreement ). The Agreement is incorporated herein by reference. 3. NATURE OF GUARANTY. From time to time, Columbia Bank ( Bank ) has or may extend credit to Borrower under the Agreement. Guarantor makes this Guaranty at the request of Borrower. This Guaranty is unlimited and covers the Indebtedness described above. It is anticipated that calculations may occur in the aggregate amount of the Indebtedness covered by this Guaranty, and Guarantor specifically acknowledges and agrees that reductions in the amount of Borrower s Indebtedness, even to zero dollars, prior to the written revocation of this Guaranty will not constitute a termination of this Guaranty. 4. BANK RIGHTS. Bank may take any action under the terms of the Agreement without telling Guarantor and without in any way changing Guarantor s promise to pay Bank. 5. GUARANTOR S OBLIGATIONS. Guarantor agrees Bank does not have to tell Guarantor about any defaults of Borrower or any other information it now knows or later learns about the Borrower s financial condition, unless Guarantor requests such information from Bank. Guarantor assumes responsibility for being informed of Borrower s financial condition and all other circumstances which may affect the risk that Borrower will not be able to pay amounts due to Bank. Guarantor agrees Bank has no duty to make any attempt to collect from Borrower prior to bringing an immediate collection action against Guarantor. Guarantor agrees that Borrower s bankruptcy will not change Guarantor s responsibility to pay under this Guaranty. 6. ENFORCEMENT OF GUARANTY. If Bank incurs fees or costs to collect on the Indebtedness or this Guaranty, Guarantor will pay that amount as well. This includes the Bank s lawyers, whether or not there is a lawsuit, attorney s fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Guarantor will also pay any court costs in addition to all other sums provided by law. If there is a lawsuit, Guarantor agrees to submit to the jurisdiction of the courts of Lane County, Oregon. This Guaranty shall be governed by and construed in accordance with the laws of the State of Oregon. 7. FINANCIAL INFORMATION. Bank shall have the right to obtain Guarantor s financial information from and share Guarantor s financial information with credit reporting agencies. Bank shall retain this right for the duration of the Guaranty or until such time as all sums due and owing pursuant to the Guaranty have been paid in full, whichever occurs later. 8. DURATION OF GUARANTY. If Guarantor elects to revoke this Guaranty, Guarantor may only do so in writing. Guarantor s written notice of revocation must be mailed to Bank, by certified mail, at the following address or such other place as Bank may designate in writing: PO Box 10727, Eugene, OR Written revocation of this Guaranty will apply only to new indebtedness created after actual receipt by Bank of Guarantor s written revocation. The parties agree this Guaranty Agreement constitutes the entire Agreement. Guarantor acknowledges it has read all of the provisions of this Guaranty and agrees to its terms. DATED this day of, 20. Guarantor signature Updated April 2016

6 Mastercard Setup and Change Form Please return this form to Columbia Bank by at therightbank.com or by fax to For questions, call us toll-free at BUSINESS INFORMATION Legal name of business Tax ID number Today s date ( Borrower ) TYPE OF CHANGE(S) REQUESTED Change type of Mastercard (s) Standard Card Cash Rewards Card *Please Note: The card type will change for all cardholders under the Mastercard relationship. Add new cardholder(s) The phone number provided below may be used to contact the cardholder to verify transactions. Cell phone numbers are recommended. Change of cardholder(s) credit limit Please Note: A new Business Mastercard Application and Authorization must be completed for increases to the overall credit limit for the Business ( Borrower ). Name: Account number: New cardholder credit limit: Name: Account number: New cardholder credit limit: Name: Account number: New cardholder credit limit: Change of cardholder name Name: Account number: New cardholder name: Change of cardholder phone number Name: Account number: New phone number: Delete cardholder(s) Name: Name: Name: Account number: Account number: Account number: Change of statement mailing address for the business ( Borrower ) Street address: City: State: Zip: Change of primary phone number for the business ( Borrower ) New phone number: Set up Auto Pay Effective immediately, please set up a monthly automatic payment withdrawal from Columbia Bank account number for the minimum payment due or payment in full each month on the aforementioned business ( Borrower ). (Please allow a minimum of three business days prior to first payment withdrawal.) If payment dates fall on a weekend or holiday, payments may be posted on the next business day. The payment will appear on the Mastercard periodic billing statement as Automatic Payment-Thank you and will appear on the account statement as an ACH Debit. If sufficient funds are not available in the account for the recurring payment, the account may be subject to additional non-sufficient funds or overdraft fees and Columbia Bank may, at its discretion, attempt to process the charge again. This authorization will remain in effect until cancelled in writing by the Borrower. AUTHORIZATION OF BUSINESS ( BORROWER ) Authorized by (print name): Phone number: Signature: Updated June 2016

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