Fraud monitoring helps detect suspicious activity early. Visa Zero Liability protects against unauthorized card use and grants provisional credit.

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1 VISA Busiess Crei Cr Corolle Speig Mge your compy s csh flow coveiely efficiely wih VISA Busiess Cr. Is flexibiliy llows you o prese speig limis for ech employee crholer. Olie ccou iformio helps you moior vilble fus 24/7. Deile mohly semes repors iemize your busiess expeiures o help you rck expeses. ezbusiess Our olie web ool gives compy miisrors he biliy o beer mge your crei crs. Amiisrors c view ll crholer ccous semes, mke pymes, mge crei lies, emule oher compy mis or crholers much more. To receive more iformio erollme form, check he box o he pplicio. Secure Trscios Fru moiorig helps eec suspicious civiy erly. Vis Zero Libiliy proecs gis uuhorize cr use grs provisiol crei. Worlwie Accepce The Vis Busiess Cr gives you ieriol buyig power. Use i everywhere Vis is ccepe. Purchse office equipme, orer supplies olie or ie wih clies. Premium Services* Proec your busiess wih he followig Vis Busiess Cr services: eroll i r io o fo c li p p oe poi ig o Purchse securiy S r E Y e k c exci Che ewrs eemble for Exee wrry proecio R r C e! Score e, r ckges Auo rel isurce ollr sp rvel p every gif Trvel emergecy services Trvel ccie isurce up o 150,000 AuoPy progrm Olie ccess mycrseme.com Vis Zero Libiliy Vis Libiliy Wiver *Ceri resricios limiios pply. See he Vis Busiess Beefis Pckge for complee eils. A y ppl o y! Plese pri ALL PAGES of his ocume. Ech pplic shoul complee he pplicio sig. The sige pplicio shoul be mile o: Bkers Bk of Kss Service Ceer P.O. Box Wichi, KS Applic shoul keep he Impor Disclosures for he res, fees or erms ssocie wih his progrm. Applic shoul keep his pge s overview.

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3 Busiess Cr Applicio Check o op i for Busiess ScoreCr Rewrs Check o receive iformio o ezbusiess Crei limi requese: Nme of busiess s you woul like i o pper o cr (Limi 24 spces) Check busiess ype (oly oe) submi iems lise Corporio Leer of referece from your bk Full yer ficils No-profi or Goverme Sole Proprieorship Prership Leer of referece from your bk Full yer ficils Leer of referece from your bk Full yer ficils Leer of referece from your bk Full yer ficils Fice commiee miues (icluig uhorizio o issue crei crs) Tx ID# Busiess Nme Busiess Aress Ciy Se Cell Number Phoe Number De Busiess Esblishe Nure of Busiess Emil Aress Websie Issue Busiess Crei Crs o he Followig Iiviul Applics Nme (plese pri) Sigure Iiviul Crei Lie Requese Ach iiol shee if ecessry (wih sigure crei lie requese). Crei Iformio Aress Bk Nme Se Ciy Bk Phoe Number Bk Officer Acc. # Avg. Acc. Blce YTD Tre Refereces Auhorizig Officer s Iformio Posiio wih Busiess (check oe) Presie Firs Nme Tresurer Ower Prer Member Oher # Yers wih Busiess Ls Nme MI Home Aress De of Birh VP Se Ciy Socil Securiy # Home Phoe # Ach iiol shee if ecessry (wih sigures). Busiess ccou blces re ue pyble i full ech moh upo receip of crei cr seme. AUTOMATIC PAYMENT OPTION: If you woul like your pyme uomiclly euce from your checkig or svigs ccou, plese check here uomic pyme se-up form will be mile o you. PLEASE READ CAREFULLY BEFORE SIGNING: This Vis Busiess Cr pplicio is submie o obi crei, I/We cerify h ll iformio herei is rue complee. I/We gree gr permissio h iquiries my be me o verify iformio crei refereces or verificio my be give bse o iquiries from oher pries. A he reques of your Ficil Isiuio, his offer is uerwrie service by Bkers Bk of Kss, P.O. Box 20810, Wichi, KS (BBOK). Offer subjec o crei policies of your Ficil Isiuio BBOK. I/We gree o be bou by he erms coiios of he Busiess Cr Agreeme, copy of which will be mile o he busiess pplic if crei is gre. Receip of such greeme ccepce of such erms o be coclusively presume by busiess use. If his is joi busiess pplicio, he uersige shll be joily severlly lible for y ll crei exee from ime o ime. I/We hereby cerify wrr h he semes me by me /us i his cerifice re rue correc h I /we hve re he Impor Disclosures i his pplicio. I/We cerify h his busiess oes o egge i Iere gmblig pursu o he Ulwful Iere Gmblig Eforceme Ac of 2006 s se i he Disclosures. We ie o pply for joi crei. Iiils Nme of employee who helpe you:. Sigure of Ower or Auhorizig Compy Officer De Sigure of Ower or Auhorizig Compy Officer De 2 Bk ID# 124 BASE 7/31/17 :Busiess UNIV

4 VISA BUSINESS CARD IMPORTANT DISCLOSURES Ieres Res Ieres Chrges Aul Percege Re (APR) for Purchses 11.17%1 Oher APRs Csh Avce APR 21%2 Deful Re 21%3 Vrible Re Iformio Your APR my vry. The re is eermie o he ls y of ech moh by ig 6.92% o he Prime Re. 1 Grce Perio for Purchses 25 Dys4 Meho of Compuig he Blce Averge Dily Blce icluig New Purchses.5 Aul Fees for ech cr.6 Trscio Fee for Csh Avce or 3% of he mou of ech vce, whichever is greer. Le Pyme Fee 29 Ieres Overlimi Fee Reur Check Fee 29es Ieres 29 3 BASE 7/31/17 Busiess UNIV

5 Busiess ccou blces re ue pyble i full ech moh upo receip of crei cr seme. As of he e his pplicio ws esige (show below) he iformio lise ws ccure. Becuse res erms re subjec o chge, you my coc us for curre iformio by wriig o us P.O. Box 20810, Wichi, KS, The Prime Re use o eermie your ANNUAL PERCENTAGE RATE is he Re publishe i he Wll Sree Jourl uer he Moey Res subsecio o he ls busiess y of he moh. If he closig e of he billig cycle is o busiess y, he he firs busiess y followig he closig e of he billig cycle is use. 2 A Fice Chrge will be impose o csh vce from he e me, or from he firs y of he billig cycle i which he csh vce is pose o your ccou, whichever is ler, will coiue o ccrue o he upi verge ily blce of such csh vces uil he e of pyme if pi urig he sme billig cycle, or uil he closig e of he billig cycle, or uil he closig e of he cycle preceig he e o which he eire New Blce is pi i full or uil he e of pyme if more h 25 ys from he closig. 3 If your ccou is or becomes more h 60 ys ps ue y ime, or is oherwise i eful i regr o y provisio of he Vis Busiess Cr Agreeme, we my immeiely icrese he re o Mohly Perioic Re of 1.500% (which is correspoig ANNUAL PERCENTAGE RATE of 21%) effecive wih he firs y of he ex billig cycle of your ccou. 4 A Fice Chge will be impose o Crei Purchses oly if you o o py he eire New Blce show o your mohly seme for he previous billig cycle wihi 25 ys from he closig e of h seme le fee will be chrge. 5 The Fice Chrge for billig cycle is compue by pplyig he Mohly Perioic Re o he verge ily blce of Crei Purchses, which is eermie by iviig he sum of he ily blces urig he billig cycle by he umber of ys i he cycle. Ech ily blce of Crei Purchses is eermie by ig o he ousig upi blce of Crei Purchses he begiig of he billig cycle y ew Crei Purchses pose o your ccou, subrcig y pymes s receive creis s pose o your ccou, bu excluig y upi Fice Chrges. 6 See Busiess Crholer Agreeme for lerives o voi si Aul Fee. Ulwful Iere Gmblig Eforceme Ac of 2006 Trscios resrice by he Ulwful Iere Gmblig Eforceme Ac of 2006 re prohibie from beig processe hrough his commercil ccou. You gree h such rscios will o be couce hrough your ccou, h you will oify Bkers Bk of Kss (BBOK) shoul your ccou be use for Iere Gmblig of y ki. Plese be vise h shoul Bkers Bk of Kss iscover your ccou beig use for such resrice rscios, we my ermie your ccess o ceri pyme sysems /or close your ccou. The Vis Busiess Cr Agreeme shoul be reviewe for ll coiios erms. BBOK is cr issuer. 4 BASE 7/31/17 Busiess UNIV