BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS

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1 BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS This Business MasterCard Disclosure and Agreement sets forth the terms of your Account and includes this document, any letter, card carrier, card insert, addendums, any other document accompanying this Agreement, any application that you signed or submitted to us, and any notification of changes to this Agreement. You agree that your Account will be used solely for business use and not for consumer use. You understand that your agreement not to use this Account for consumer use means that we are not providing certain important duties imposed upon us when issuing a credit card for consumer use. You also understand that we will be unable to determine whether any given purchase conforms to a business use. This Agreement applies to both the Standard Business MasterCard and the Cash Rewards Business MasterCard unless otherwise indicated. You may elect to switch from the Standard Business MasterCard to the Cash Rewards Business MasterCard or from the Cash Rewards Business MasterCard to the Standard Business MasterCard upon written request. Upon receipt of your new or reissued card, please sign the back of it. Merchants are not required to accept your card if it is not signed. When you have accepted, signed, activated, used your card(s) or authorized another person to sign, activate or use the card(s) issued to you, you will be deemed to have unconditionally accepted and agreed to the terms of this Agreement, including liability for the account, the account balance and any fees associated with the accounts. DEFINITIONS. In addition to other terms that may be defined in this Agreement, the following terms when used in this Agreement have the following definitions: 1. Account means the open-end revolving credit account established pursuant to your Application and this Agreement to which charges are posted based on use of a Card, information from a Card or any other device or procedure by which the Account may be accessed in the future. 2. Agreement means this Business MasterCard Disclosure and Agreement, plus any other disclosure which is contained in the same envelope as this Business

2 MasterCard Disclosure and Agreement and which provides information on the periodic rate, the Annual Percentage Rate (APR), the Interest Charge and balance on which it is determined, any Other Charges, cash advance fees, and any grace period applicable to the Account. 3. Application means the application for credit you completed and returned to Columbia Bank to request that we extend credit to you under the Account. 4. Authorized User means any person you permit to use the Account or who has apparent authority to use the Account. 5. Card, Credit Card means either a Standard Business MasterCard card or Cash Rewards Business MasterCard card issued to you by us, and any future credit card(s) issued to you in connection with the Account. If you applied for more than one type of Card, this Agreement governs each Card as described herein. 6. Cash Advance means the amount requested by you and advanced to you by any method approved by us according to the terms of this Agreement in cash or cash equivalent items (including, but not limited to, money orders or travelers checks). 7. Credit Limit means the total dollar amount of the Account which we approved and which you may borrow against according to the terms of this Agreement. 8. Other Charges means the charges listed in the section of this Agreement captioned Other Fees and Charges. 9. We, us, and our and Bank mean card issuer Columbia Bank, 111 West 7th Avenue, Eugene, OR 97401/ PO Box 10727, Eugene OR You and your refer to each person who signed an application for the Account, each person who signs or uses the Card and any Authorized User. TYPE OF TRANSACTIONS. You may use your account to obtain: Purchases. You can use your Account to buy goods and services any place MasterCard is honored ( Purchases ). In most cases, you will sign a sales slip. Advances. You can use your Account to get an advance (loan). There are two kinds of advances (additional fees apply): 1. Cash Advance. To get a cash advance, go to any participating financial institution and present your card. You will be limited to the amount of your unused credit limit. 2. ATM Advance. If you separately obtain a Personal Identification Number (PIN), you can obtain advances on your Account through an Automated Teller Machine. PROMISE TO PAY. By using or allowing someone else to use your Account you promise to pay for all Purchases and Advances as well as for any Interest Charges and all other fees and amounts that may be due on the Account, except as limited 2

3 in this Agreement regarding your liability for unauthorized use of a Card. You shall be jointly and severally liable for all amounts due from you under this Agreement for Purchases, Cash and ATM Advances, Interest Charges, fees, and Other Charges. If more than one person signed the application, including guarantors, each of you promises to pay all amounts owed to us under this Agreement. This means that we may collect money owed to us from each of you or from all of you. CHARGES BY OTHERS. You are responsible for all charges made by anyone you allow to use your Account, even if they charge more than you intended, or charge items not intended by you. If you ask us to issue a Card to someone, you are responsible for their charges until you return their Card to us. As between you and us, each employee to whom a Card is issued shall be deemed authorized to use the Account until that authority is expressly revoked by you and the employee s Card is returned to us. As between you and us, all uses of an Account by any employee to whom a Card is issued (or by any person that employee provides their Card to) shall be deemed authorized uses and you shall be responsible for all charges thereon regardless of the purpose and regardless of whether the employee violates your rules pertaining to Card usage. CREDIT LIMIT. Your credit limit will be determined by us and we will send you a separate notice advising you what your credit limit is. Your limit will be shown on each of your billing statements. You may not use your Account in any way that would cause you to go over your credit limit. We may refuse to authorize or accept any transaction on your Account that would cause you to exceed your credit limit. It is your obligation to not exceed the credit limit for your Account. If you owe more than your credit limit, you agree to pay the excess immediately upon our request and we may charge you an Over Limit fee and/or suspend your Account privileges or cancel your Account. We reserve the right to change your credit limit at any time and will notify you in writing of the new limit. MONTHLY BILLING STATEMENTS. We will send you a statement at intervals of approximately thirty (30) days. Each statement covers a billing cycle and will show the activity on your Account, including the following: the new balance; minimum payment, along with the day we must receive the payment in order to avoid additional charges; Purchases; Cash Advances, Interest Charges and Other Charges pursuant to this Agreement for the prior monthly period. Such statements shall be deemed correct and accepted by you unless you notify us to the contrary in writing within 60 days of our mailing such statement to you. GRACE PERIOD. Interest Charges will be imposed if you do not pay your bill in full within 25 days of the date of the billing statement. This 25-day period prior to the imposition of Interest Charges is known as the grace period. MINIMUM PAYMENTS. Your payment under the Account must be made on or before the Payment Due Date reflected on your monthly billing statement. Your payment must be either the full amount billed, or, at your option, an installment equal to at 3

4 least the required Minimum Payment Due stated on the billing statement. If you decide to pay the Account balance in installments, the minimum payment will be 3% of the new balance or $25.00, whichever is greater. If the calculated minimum payment is not a whole dollar amount, it will be rounded down to the next whole dollar. If the new balance is less than $25.00, you must pay the full amount. The payment due date for a billing period will be 25 days after the billing period ends. You may pay the new balance in full or in part at any time. If you pay more than the minimum payment, you must still pay the minimum payment on the next statement. In addition to the minimum payment, you promise to pay any amounts that are over limit or past due as well as fees or charges. Payments must be made in U.S. dollars drawn on a U.S. bank. Transactions in foreign currencies will be converted to U.S. dollars at the exchange rate used at the time of the conversion. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the transaction. You agree to pay the converted amount to us in U.S. dollars, plus any charge for the conversion or processing that may be imposed. All payments on the Account must be made at the address shown on your monthly billing statement and are considered to have been made on the date received at that address. If payment is made at any location other than the designated address, credit for such payment may be delayed for up to 5 days. As allowed by law, we may accept payments marked payment in full (or words of similar intent) without losing any of our rights to collect the full balance due under the Account and this Agreement. PAYMENT ALLOCATIONS. We apply your payments as follows: to all fees and charges; then to Interest Charges; and finally, to reduce the balances owed for Purchases and Advances. We reserve the right to change the order in which we apply your payments at any time and without prior notice to you. REFUNDS AND ADJUSTMENTS. Any refund, adjustment, or credit allowed by any seller or other person or entity shall not be by cash but rather by a credit to the Account appearing on your monthly billing statement. ANNUAL PERCENTAGE RATE. Your annual percentage rate for Purchases and Cash Advances is 15.90%. FIGURING YOUR ANNUAL PERCENTAGE RATE. Your billing statement shows the balances subject to Interest Charges. We use these balances along with the amount of all new advances to figure your Annual Percentage Rate each month. The balances are your purchases average daily balance, which includes your new purchases and your new advances. We will not include any new purchases and your new advances more than once in the computation. INTEREST CHARGE. The Interest Charge shown on your monthly statement consists of your monthly periodic rate charge plus your transaction fee. Your monthly periodic rate charge plus transaction fees give us your total Interest Charge 4

5 for the billing period. We calculate the Interest Charge on your Account by multiplying the Average Daily Balance (including new transactions) by the daily periodic rate. Then we multiply that result by the number of days in the billing cycle. Except as set forth below, the Interest Charge on both Purchases and Advances starts when the Purchase or Advance is added to your Account. The minimum Interest Charge for any monthly statement in which there is an Interest Charge shall be 50 (or it s prorated if the statement is for less than one month). Monthly Periodic Rate Charges. Monthly periodic rate charges are assessed on your purchases average daily balance and your advances average daily balance. We do this separately for each type of balance as follows: a) Purchases Average Daily Balance. To figure your purchases average daily balance, we start with your purchase balance at the beginning of each day. We add any new purchases and debits posted to your Account that day, excluding any unpaid Interest Charges, Late Charges, Over Limit fees, annual fees, and credit insurance premiums. Then we subtract any purchase credits or payments for that day. This gives us your purchase daily balance. Then we add up all the purchase daily balances for the billing period and divide by the number of days in the billing period. This gives us your purchase daily balance. Then we add up all the purchase daily balances and divide by the number of days in the billing period. This gives us your purchase average daily balance. However, if you pay the entire new balance shown on your previous billing statement by the due date, or if your previous balance on your current billing statement is zero, we treat your purchases average daily balance as being zero. We will multiply your purchases average daily balance by the monthly periodic rate of 1.325% (ANNUAL PERCENTAGE RATE of 15.90% divided by 12 months) to calculate your purchases monthly periodic rate charge for the billing period. b) Advances Average Daily Balance. To figure your advances average daily balance, we start with your advance balance at the beginning of each day. We add any new advances posted to your Account that day, excluding any unpaid Interest Charges, Late Charges, Over Limit fees, annual fees, and credit insurance premiums. Then we subtract any advance credits or payments for that day. This gives us your advance daily balance. Then we add up all the advance daily balances for the billing period and divide by the number of days in the billing period. This gives us your advances average daily balance. However, if you pay the entire new balance shown on your previous billing statement by the due date, we exclude all amounts except for new advances. In this case, your average daily balance is based only on your new advances during the billing period. We will multiply your advances average daily balance by the monthly periodic rate of 1.325% (ANNUAL PERCENTAGE RATE of 15.90% divided by 12 months) to calculate your advances monthly periodic rate charge for the billing period. 5

6 TRANSACTION CHARGE. In addition to including your new purchases and new advances in the average daily balances for monthly rate charge purposes, as set forth above, we will charge you a one-time Transaction Charge whenever any advance is added to your Account. The amount of the charge depends on the kind of advance, as follows: Cash Advance: The greater of $2.00 or 2% of the amount advanced. ATM Advance: The greater of $2.00 or 2% of the amount advanced. OTHER FEES AND CHARGES. You agree we may assess, in addition to the Interest Charge, the Other Charges below which charges will be earned when assessed and are not subject to refund or rebate. The following fees may be added, as applicable, to the Account. The following fees apply to both the Standard Business MasterCard and the Cash Rewards Business MasterCard unless otherwise specified: 1. Annual Membership Fee. Standard Business MasterCard : No annual fee. Cash Rewards Business MasterCard : A non-refundable annual membership fee of $49.00 per Card will be charged to the Account during the month following issuance or re-issuance of the Card and will be posted annually on the anniversary date of the opening of the Account. The annual membership fee is not refundable even if the Account is closed for any reason by either you or us, and the fee is a condition of maintaining the Account whether or not you use the Account by making Purchases or receiving Cash Advances. 2. Late Payment Fee. If the minimum required payment is not received within five (5) days of the Payment Due Date for that billing cycle, we may charge you a $15 late payment charge fee on the Account. 3. Returned Payment Fee. We will charge you $25 for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal or share draft issued by you to us in connection with the Account. This fee will be in addition to all other Interest Charges and Other Charges we may collect from you and is not subject to refund or rebate. 4. Statement Copy Fee. If you ask for a copy of your billing statement, we may charge your Account $1.00 per page. If your request relates to a billing error inquiry, this charge will not be imposed. 5. Cash Advance Fee. If you request a Cash Advance, in addition to the Interest Charge which will accrue on the Cash Advance, you agree to pay a fee of $2.00 or two percent (2%) of the amount of the Cash Advance, whichever is greater. 6. Over Limit Fee. If you exceed your approved credit limit by 5% we may charge you an Over Limit Fee of $ International Transactions Fee. See Foreign Currency- 6

7 Transactions section below. COLLECTION EXPENSES. If you do not pay us as required by this Agreement, we may incur collection costs. You promise to pay all collection costs including reasonable attorneys fees. We may bill these costs to your Account. RIGHT OF OFFSET. Your failure to pay us any amount owed to us under this Agreement shall constitute an event of default. Should a default occur, we reserve the right to offset such amount to the greatest extent possible by law, rule, or regulation against any other assets, including other accounts, we hold or control on your behalf. BREACH OF AGREEMENT. If you miss a payment or break one of your promises under this Agreement or under any other agreement with us or anyone else, we can require payment of the entire outstanding balance of your Account immediately. We can also suspend your credit privileges. No notice is required. We can also do this if you have made any false or misleading statements on your application, if you die, file for bankruptcy, if any other creditor tries to seize your property, or if you are in default on any other account with us. QUESTIONS AND BILLING ERRORS. Please let us know right away if you have any questions about your statement. You can call us at or write us at PO Box 10727, Eugene, OR See YOUR BILLING RIGHTS below for additional information regarding billing errors. INFORMATION ABOUT YOU. If you change your name, home or mailing address, phone number, or employment you agree to notify us immediately. You agree to provide us with updated financial information we may request. You also agree that we may, from time to time, obtain your financial information and share your financial information with credit reporting agencies. We will retain this right to obtain and share financial information as long as the Account is active or until such time as all sums due and owing on the Account have been paid in full, whichever occurs later. 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 AN ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account with our bank. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver s license or other identifying documents. NOTIFICATION OF CHANGE IN LEGAL STRUCTURE, OFFICERS OR OWNERS. If you are an entity, you agree to notify us within 10 days of any change in your legal structure or any change in your officers or owners. 7

8 CANCELLATION. We may cancel your Account any time by phone or by writing you at the address shown for you on our MasterCard records. You may cancel this Account at any time by writing to the address on your billing statement and cutting and returning all cards issued on your Account. In either case, you remain responsible for any outstanding balance and all interest and other charges assessed on or subsequently imposed on your Account. You must not use your Account once your credit privileges have been suspended or canceled. CHANGE OF TERMS. The information contained in the Agreement is accurate as of April 1, This Agreement supersedes all prior agreements between you and us governing the use of the Account, Cards, or other access device issued by us. We can change the terms of this Agreement at any time. AS OF THE CHANGE S EFFECTIVE DATE, THE NEW TERMS WILL APPLY BOTH TO THE OUTSTANDING BALANCE OF YOUR ACCOUNT, AS WELL AS TO NEW PURCHASES MADE AND ADVANCES RECEIVED AFTER THE EFFECTIVE DATE OF THE AMENDMENT. If you do not agree to the amendments, your only option is termination under this Agreement. We will notify you in writing (at your address shown on our MasterCard records) regarding any increased charges at least 15 days before the date on which the change takes place. You should contact us at or write us at P.O. Box 10727, Eugene, OR to obtain any changes to the information contained in this Agreement since April 1, WAIVER AND ENFORCEABILITY. We can waive or decline to enforce any of our rights under this Agreement at any time without affecting any of our rights under this Agreement in the future. If any term of this Agreement is found to be unenforceable, all other provisions will remain in full force. LOST OR STOLEN CARDS. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at the address listed on your bill or call us toll-free at any time (from continental United States, except Nebraska), or collect at (from Alaska, Hawaii, Nebraska or anywhere else in the world). You may be liable for up to $50 for unauthorized use that occurs before you notify us that your card is lost or stolen. LIABILITY FOR UNAUTHORIZED USE; WHEN NOTICE IS DEEMED GIVEN. Cardholder liability for unauthorized use of a MasterCard card is zero dollars if the following conditions are met: (1) you report the loss or theft within 24 hours of discovering it lost or stolen; and (2) you used reasonable care in safeguarding the card from loss or theft. If those conditions have not been met, you will be responsible for the lesser of $50 or the amount of money, property, labor or services obtained by the unauthorized use before notification to us. We may also increase your liability if we reasonably determine, based upon substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or card. Notification to us is given when steps have been taken as may be reasonable in the ordinary course of business to provide us with the pertinent information about the loss, theft or possible unauthorized use of an account or card. Unauthorized use shall 8

9 be deemed to mean transactions posted to the account or use of the card by a person other than you who does not have actual, implied or apparent authority for such use, and for which you receive no benefit. PAYMENTS MARKED PAID IN FULL. We may accept letters, checks or other types of payments showing payment in full or using other language to indicate satisfaction of your debt, without waiving any of our rights to receive full payment under this Agreement. Satisfaction of your debt for less than the full amount requires a written agreement, signed by one of our authorized employees. ILLEGAL TRANSACTIONS. Your MasterCard may not be used to conduct any illegal transactions. You may not use your Account or Card(s) to purchase or acquire funds for any unlawful goods or service including but not limited to all gambling activities (see disclosure section specific to Internet Gambling below). It is your responsibility to determine whether any goods, service or activity is unlawful. Participating in unlawful activity, whether known or unknown, shall not change your obligation to pay any amount due on your Account. If illegal use of your Card occurs, you waive the right to sue us and agree to indemnify and hold us harmless from any suits or other legal action or liability which may be asserted directly or indirectly against us arising out of or resulting from the illegal use of the Card or Account. INTERNET GAMBLING DISCLOSURE. Your Account may not be used for Internet gambling transactions. We will decline all known Internet gambling transaction requests. We may also decline all transactions with a mismatched expiration date and transactions that are hand-keyed if the hand-keyed transaction is for any type of betting, including lottery tickets, casino gaming chips, off-track betting, and wagers. You agree that the use of the Account to obtain a service or effect a transaction that is illegal under the law of any jurisdiction where originated, effected, or accomplished will be a default and breach of this Agreement. As a result, we may terminate the access to the service or cancel the right to use the Account and/or demand the return of all Cards or other access devices issued to you. FOREIGN CURRENCY TRANSACTIONS. If a cardholder effects a transaction (which includes any sale, credit, credit voucher, cash advance, original transactions or any reversal transaction relating to those transactions) with a MasterCard card in a currency other than U.S. dollars, MasterCard will convert that transaction into a U.S. dollar amount by using its currency conversion procedure. The transaction will, in addition, incur an international service assessment and/or Multi Currency Conversion Rate (MCCR) fee. Under the currency conversion procedure that MasterCard currently uses, the non-u.s. dollar transaction amount or cross border transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in non-u.s. dollar currency by a currency conversion rate. The exchange rate between the transaction currency and the billing currency used 9

10 for processing international transactions is: A rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives or the government-mandated rate in effect for the applicable central processing date. This amount will then be increased by an international service assessment and/or MCCR fee, which is an additional fee that will be passed to you. This fee will be a minimum of 1% of the transaction amount. The fee will be combined with the transaction that the fee relates to and will be shown as a single item on your statement. The currency conversion rate that MasterCard uses for a particular transaction is the rate MasterCard uses for the applicable currency when the transaction is processed. The rate may differ from the rate in effect when the transaction occurred or when it was posted to the cardholder s account. We do not adjust the currency exchange rate. PAYMENTS IN FOREIGN CURRENCY. For all amounts you owe on your Account, you will pay us in U.S. dollars. All checks must be drawn from funds on deposit in the U.S. We may, at our option, accept payment made in foreign currency or checks drawn on non-u.s. banks. If we do, we may impose service and collection charges. Our determination of service and collection charges will be final. ASSIGNMENT OF YOUR ACCOUNT. We may assign your Account at any time without obtaining your consent. GOVERNING LAW; SEVERABILITY. This Agreement is governed by the laws of the State of Oregon and applicable federal law. This Agreement is subject to federal law and, to the extent not preempted by federal law, the laws of the State of Oregon (except to the extent that this Agreement can and does vary from such rules or laws), without regard to conflict of laws principals. If any provision of this Agreement conflicts with the law, you agree the provision will be viewed as if it was amended to comply with the law. If that is not possible, then only the provision that conflicts with the law will be deleted. The remaining provisions of this Agreement will remain effective. YOUR BILLING RIGHTS KEEP THIS DOCUMENT FOR FUTURE USE. THIS NOTICE TELLS YOU ABOUT YOUR RIGHTS AND OUR RESPONSIBILITIES UNDER THE FAIR CREDIT BILLING ACT. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT: If you think there is an error on your statement, write to us at: Columbia Bank, Card Services, 1550 N. Brown Rd #150, Lawrenceville, GA In your letter, give us the following information: Account information: Your name and account number; Dollar amount: The dollar amount of the suspected error; and Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 10

11 You must contact us: Within 60 days after the error appeared on your statement. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER: When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your Credit Limit. After we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with the applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES. If you are dissatisfied with the goods or 11

12 services that you have purchased with your 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 purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Columbia Bank, Card Services, 1550 N. Brown Rd #150, Lawrenceville, GA While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. THE FOLLOWING TERMS APPLY TO THE CASH REWARDS BUSINESS MASTERCARD ONLY. CASH REWARDS CARD RULES You will earn an annual Cash Reward based on the eligible Net Purchases on your Cash Rewards Business MasterCard from Columbia Bank from the date you open your Account. You will accumulate Cash Rewards at a rate of 1% ($0.01 for each dollar) of Net Purchases charged to your Account during each billing period that the Account is open and current (that is, no Minimum Payment is past due). Eligible Net Purchases for a billing period are determined by totaling all eligible new purchases for goods and services charged to the Account during the billing period, minus returns and other credits posted to the Account during the billing period for returned purchases and/or adjustments. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler s checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional terms and restrictions may apply. Cash Rewards earned during a billing period will accumulate and be carried over to the following billing periods for the purpose of awarding the Cash Reward annually. We may round Net Purchases up or down to a whole dollar amount for purposes of determining and awarding Cash Rewards. Cash Rewards will not be accumulated for any billing period if your Account is closed or is not current on the closing date for that billing period. We reserve the right to adjust or reverse the number of Cash Rewards that were earned for unauthorized 12

13 purchases. Merchants are assigned codes based on what they primarily sell. A purchase will not earn a reward if the merchant s code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a reward. A purchase may not earn a reward if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Cash Rewards accumulated will post automatically to your Account on an annual basis and will appear as a Cash Rewards Rebate on your October statement cycle. Additional terms and conditions may apply. BENEFIT CHANGES TO CASH REWARDS BUSINESS MASTERCARD Any benefit, reward service or feature offered for the Cash Rewards Business MasterCard may change or be discontinued by us at any time for any reason. 13

14 STANDARD BUSINESS MASTERCARD AND CASH REWARDS BUSINESS MASTERCARD APPLICATION TERMS: CASH STANDARD REWARDS CARD CARD INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 15.90% APR for Cash Advances 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 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. CASH STANDARD REWARDS CARD CARD FEES Annual Membership Fee None $49.00 per Card Transaction Fees $2.00 or 2% of amount advanced, whichever is *ATM Advance greater $2.00 or 2% of amount advanced, whichever is *Cash Advance greater Minimum 1% - See your *Foreign Transaction Fee Account Agreement Penalty Fees *Late Payment Fee $15.00 *Over Limit Fee $5.00 *Returned Payment Fee $25.00 All charges made on this credit card are due and payable when you receive your periodic statement. P.O. Box Eugene, OR Revised July

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