Vectra Bank Colorado

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**Important Details**
*Credit Cards are subject to credit approval. All offers subject to change at any time. Certain terms, conditions, and restrictions apply. See your Vectra Consumer Credit Card Agreement and Disclosures for more details.

1. AmaZing Rewards^® 3x Rewards Points Offer: Earn 3 rewards points for every dollar spent on net purchases during the first 90 days of account opening. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Redemption: Points may be redeemed against any purchase. Minimum 2,500 earned points to redeem and redemption must occur within 90 days of purchase date. Account must be in good standing. See AmaZing Rewards Terms and Conditions for full details.

2. AmaZing Rewards^® Points: Cardholder earns 1 rewards point for every dollar spent on eligible net purchases only. Rewards points are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Must have at least 2,500 earned points to redeem and purchases must be redeemed within 90 days of purchase date Account must be in good standing. See AmaZing Rewards Program Terms and Conditions for full details.

3. Annual Rewards Bonus: Offer available on Amazing Rewards cards only. A cardholder may earn an annual reward bonus ranging from 0% up to 25% of the total rewards points/cash back they have earned on non–promotional offers within the calendar year. This bonus is not 0–25% of annual spend on the card; but rather it is 0–25% of the total rewards the cardholder has earned throughout the year. This annual bonus is in addition to the 1% reward points that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by which tier the cardholders annual spend falls into. Annual Spending Tiers: Tier 1 – $0 – $4,999 = 0%, Tier 2 – $5,000 – $9,999 = 5%, Tier 3 – $10,000 – $14,999 = 10%, Tier 4 – $15,000 – $19,999 = 15%, Tier 5 – $20,000 – 24,999 = 20%, Tier 6 – $25,000+ = 25%. For example, If an AmaZing Rewards cardholder spends $25,000 in one calendar year, cardholder will earn 1 point on every dollar spent (25,000 points) plus an additional 25% more points (25,000 x .25 = 6,250), making total points earned 31,250 (25,000 + 6,250) or 1.25% total annual points. Points will be added to your monthly rewards balance within 6 weeks. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. The following graphic offers examples of how the annual bonus program works:

Tier	If you Spend	1 Point for Every $	Depending on the Annual Bonus Spending Tiers	You may earn an additional Annual Bonus	Total Earnings*
1	$4,500	4,500	$0 – $4,999 = 0%	0	4,500
2	$7,500	7,500	$5,000 – $9,999 = 5%	375	7,875
3	$12,500	12,500	$10,000 – $14,999 = 10%	1,250	13,750
4	$17,500	17,500	$15,000 – $19,999 = 15%	2,625	20,125
5	$22,500	22,500	$20,000 – $24,999 = 20%	4,500	27,000
6	$40,000	40,000	$25,000 or more = 25%	10,000	50,000

4. Intro APR: 0.00% Intro APR for the first 6 months on purchases, on purchases, thereafter, the variable APR will range from 13.49% to 20.49% based on a margin and your credit worthiness. These APRs are accurate as of . and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments may still be required each month. Offer available for new credit cards only. All offers are subject to change at any time.

5. Intro Balance Transfer APR: 0.00% Intro APR on balance transfers for the first 12 months from the date the balance posts to the account. Thereafter, the variable APR will range from 13.49% to 120.49% based on a margin and your creditworthiness. These APRs are accurate as of and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) applies. Transfers made during the Intro period will not be charged any interest. Minimum balance payments may still be required each month. Offer available for new credit cards only. All offers are subject to change at any time.

6. Mobile Card Fraud Alerts: The Bank does not charge for Mobile Card Fraud Alerts. However, standard text message and data charges from your mobile phone carrier may apply. Available services are subject to change without notice.

7. Purchase Alerts & Mobile Card Fraud Alerts: Online Banking enrollment required. Message and data charges from your wireless provider may apply.

8. myPHOTOcard^®: There is no charge for the first uploaded myPHOTOcard image and a $5 fee for any image thereafter.

9. The Vectra AmaZing Deals app is free; however, data rates from your wireless provider may apply for download and use of the app. The AmaZing Deals^® program requires a Vectra Bank Visa^® Debit card (requires a Vectra Bank checking account) or Vectra Bank Visa^® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out–of–pocket cost. Rewards and offers are established by participating merchants; are subject to change at any time; and may vary by location, day, time or event. See vectrabank.com/amazingdeals for program terms and conditions. The Vectra AmaZing deals app is currently only available for merchants in Colorado. See AmaZing Rewards Program Terms and Conditions for full details.

10. Variable APR for Cash Advances: The variable APR for Cash Advances is 22.49%. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. Prime Rate is currently 5.50% as of . A 3% cash advance fee for each advance ($10 minimum) will apply.

11. Zero Liability: Cardholder is not responsible for fraudulent charges made with their card or account information as long as they promptly notify Vectra Bank of unauthorized card use. Disputed transactions must post to account before provisional credit will be issued.