Welcome

Credit Card TABLE OF CONTENTS

page section 3 Welcome 5-7 8 Account Access 9 Make a Payment 10-11 Rewards 12-13 Security 14 Apple Pay™ 16-19 FAQs Welcome Your new MidFirst is the card that combines Benefits all your payment needs into one card to fit your lifestyle. Built on • For Rewards Cardholders – redeem points for convenience, service and benefits, your MidFirst Bank Credit Card merchandise, travel, cash back and gift cards can be true to your financial life. • Zero Liability Protection – you’re protected from unauthorized purchases by either the Visa® Zero Liability Convenience Welcome Policy or MasterCard® Zero Liability Protection* • View your MidFirst Bank Credit Card within your MidFirst online and applications Use this convenient booklet and visit midfirst.com/newcreditcard to • Make payments online, over the phone, by mail or help navigate your new MidFirst Bank Credit Card and its features at any MidFirst banking center and benefits. If you have any questions about your new account, • Pay with Apple Pay anywhere Apple Pay is accepted please call MidFirst Bank Credit Card Services at 866-762-0492 or visit your local banking center. Service • Enjoy MidFirst’s special - simply call us or visit with your banker if you have questions about your account

*The Visa Zero Liability Policy and MasterCard Zero Liability Protection covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or MasterCard, or certain commercial card transactions. Cardholder must notify MidFirst Bank promptly of any unauthorized use. 3

Online Banking 5 : ® , ® , iPad ®

, enrollment is easy. Simply follow is easy. , enrollment . Once downloaded, you can view . Once downloaded, ® ™ User: ® phone and tablet, and Kindle Fire phone and tablet, and ® the steps below on midfirst.com to register for iManage Personal Banking for iManage Personal register to on midfirst.com the steps below Click “Enroll in Online Banking” in Online 1 Click “Enroll Holders” Only Account Card 2 Click “Credit steps 3 Follow the enrollment New MidFirst iManage Personal Banking iManage Personal New MidFirst Personal Banking have iManage If you don’t Android Mobile Banking Mobile Banking app available for iPhone Download the MidFirst your MidFirst Bank Credit Card along with all your other MidFirst accounts in with all your other MidFirst accounts in along Card your MidFirst Bank Credit Banking app. the convenient Mobile As you expand your MidFirst Bank relationship, your other accounts will your MidFirst Bank relationship, As you expand your established. as they are automatically appear , your ® User: ® user, your new MidFirst Bank Credit Card will Card your new MidFirst Bank Credit user, ®

automatically appear in your online banking along with automatically appear your other accounts! If you already are a MidFirst Bank iManage Personal are If you already Banking MidFirst Bank Credit Card will automatically be added will automatically Card MidFirst Bank Credit profile. to your current Online Banking Enrollment Online Banking Banking MidFirst iManage Personal Current View your MidFirst Bank Credit Card conveniently Card View Bank Credit your MidFirst the at midfirst.com and online banking within MidFirst banking is for online app. Enrollment Mobile Banking an existing MidFirst you are if even better, simple, and Personal Banking with iManage Bank customer new MidFirst Bank Credit Card Credit Bank MidFirst new Online Banking – Available for your your for – Available Banking Online Online Banking Access When adding your MidFirst Bank Credit Card to iManage Personal Banking®, your credit card account and rewards (if applicable) information will all appear on the same Financial Center Account Summary screen. Simply click on your credit card account for a snapshot view of recent transactions.

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Online Banking 7

For complete transaction and account details, including statements and payments, click the “Credit Card” tab Card” the “Credit click and payments, statements including details, and account transaction For complete to card credit to your next arrow down the drop link from Card” My Credit and Pay the “Manage menu or on the page. Services Card you to the Credit direct Manage and Pay Your Credit Card Credit Your Pay and Manage Credit Card Services - Welcome Screen On the Credit Card Services page, you can view all of your transaction and account details. Please use this overview to become familiar with all these features.

A Transactions – Search transaction history for up to 18 months. D Account Services – Update your online account You may also export transaction information to various formats, information and contact information. You may also including QuickBooks and Quicken. dispute transactions on the Account Services tab.

B Payments – Manage payments to your credit card account and make one- E Alerts – Setup and manage account alerts for your time or recurring payments to ensure your credit card is automatically paid credit card including payment reminders, transaction each month from any . Modify existing recurring payments notifications, balance thresholds, and statement and choose between paying the minimum payment due, the full statement notifications. Alerts can notify you by email or text balance, or a fixed payment amount. From the payment summary screen, message - wireless carrier charges may apply. you may also view and search historical payments.  Redeem Points – For Rewards cardholders, redeem your C Statements – Retrieve eStatement history for up to 24 months. You may MidFirst Rewards points directly from online banking and view, print or save statements in an easy to read PDF format. You may also choose from an array of merchandise, cash back, gift manage your statement delivery preference of electronic delivery or paper cards and travel options. statements by mail from the Statement Delivery Options dropdown menu. 8 Card Services & Payments 9 Last Payment Amount Last Payment Specified Amount ○ ○ or pay the Full Make a Minimum Payment Statement Balance and select your payment your of days before date based on the number payment due date and select Make a Fixed Payment Amount biweekly, to a weekly, your payment frequency or monthly payment Minimum Payment Due Minimum Payment Current Balance Statement Balance Manage recurring payments and select the payments Manage recurring to you: payment schedule convenient Make a one-time payment and choose from: payment and Make a one-time ○ ○ ○ ○ ○ • • Make a Payment a Make From the payment tab you can make a one-time payment payment a one-time can make tab you the payment From payments recurring or manage E D C B A  Reward Yourself! A MidFirst Bank Rewards Credit Card allows you to earn rewards Gifts for Everyone: for every qualifying net dollar you spend.* Rewards points may be MidFirst has a robust catalog of over 1,600 items, including brand redeemed for valuable merchandise, exciting travel, gift cards and names like Apple®, Coach®, Pandora®, Dyson® and Sony®. cash back! We are continually updating our options so you can Online ordering is available 24/7. choose from the latest and greatest rewards. Popular Merchandise Points* Flex™ Activity + Sleep Wristband by Fitbit® 15,600 Redeem for Gift Cards: Fire HD 7 8GB Tablet by Amazon 22,500 Gretta Signature Satchel by Dooney & Bourke™ 26,900 Choose your redemption value and type of gift card, from MidFirst Bank Gift Cards that can be used anywhere Visa is accepted, to national brands such as Best Buy, Amazon, Cabela’s, Kohl’s and more!

Popular Gift Cards Points* $25 iTunes Gift Card 3,800 $50 Amazon Gift Card 5,500 $50 MidFirst Gift Card 5,500

10 *See your rewards terms and conditions for your credit card rewards details. All point values, merchandise and gift cards are subject to change and are accurate as of October 1, 2015. Rewards & Convenience 11 or Inquiries: Questions Reservation Travel For (Eastern 8 a.m. to midnight time) from Call 855-853-5493 Sunday. Monday – 5,500 10,500 Points* Rewards Headquarters is available to assist you. For Rewards For Rewards Headquarters is available to assist you. Rewards or comments inquiries, or if you have additional questions program call 866-772-6184. program, Rewards about the MidFirst Bank major holidays. 24-hour support; closed 24/7 Customer Service: 24/7 Customer Book a Dream Getaway: Book a Dream vacation cruises, hotel stays, car rentals, Redeem for air travel, Book your travel online 24/7. packages and more! Cash Back Credit $50 Statement Credit $100 Statement Cash Back: for Redeem credit in the form of a statement back for points Receive cash or by check. Security Your MidFirst Bank Your MidFirst Bank Credit Card Credit Card has many security features to Fights Fraud With Chip Card Technology help make your daily What is chip card technology financial life easier and Your MidFirst Bank Credit Card uses EMV chip technology to protect allow you to be more your card information when making a purchase at a chip-enabled confident in the security merchant terminal and when used at a chip-enabled ATM. of your transactions. EMV, which stands for “Europay, MasterCard, Visa,” is the international standard for chip card security. Zero Liability Your MidFirst Bank Credit Card is covered by either the Visa How does chip card technology work Zero Liability Policy or MasterCard Zero Liability Protection, During a transaction with your MidFirst Bank Credit Card, the chip protecting you against unauthorized purchases.* produces a single-use code to validate the transaction, which helps protect your card from unauthorized use. Plus, if the merchant is breached, chip card data cannot be used to create a counterfeit card. Please note, the chip in your credit card is not a radio antenna and cannot be accessed by a scanner. 12 Security 13

Insert your card as normal and follow the prompts Insert your card you to leave your it will prompt uses chip technology, If the ATM as requested information your card Enter or provide Swipe your card as normal using the magnetic strip on the normal using the magnetic as card Swipe your back of your card and follow the prompts and card back of your until the transaction is complete inserted card • • • • For additional information, visit midfirst.com/chipcard. For additional information, ATM Online & phone Chip card readers may varycard readers Chip sure to so be merchants, at different card to take your don’t forget Plus, on screen. the prompts follow is complete. when the transaction chip-enabled terminals without Merchants Step #1 Step #2 Step #3 Step #1 Step Follow the prompts on the screen to complete your to complete your on the screen prompts Follow the transaction the transaction is complete, When the terminal says card your remove Insert your card into the slot facing up with the chip the slot facing up with into card Insert your the terminal toward • • • *The Visa Zero Liability Policy and MasterCard Zero Liability Protection covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or MasterCard, by Visa or MasterCard, PIN transactions not processed transactions, and does not apply to ATM only cards covers U.S. issued Liability Protection Zero Liability Policy and MasterCard *The Visa Zero of any unauthorized use. must notify MidFirst Bank promptly transactions. Cardholder card or certain commercial chip card to use your How with and ATMs and at merchants works chip card Your technology. card without chip terminals with chip-enabled Merchants Apple Pay™ is Here! Apple Pay™ for your MidFirst Bank Personal Credit Card is now available! It’s an easy, secure and private way to pay. How it works When you add your card in Apple Pay™, a unique Device Account Number is assigned, encrypted and securely stored instead of using your actual credit card numbers. When you make a purchase, your actual credit card numbers are never shared by Apple with merchants or transmitted with a payment. In addition, paying with Apple Pay™ is private because the cashier never sees your name, card numbers or three- digit security code. To learn more about Apple Pay™ and Merchant availability, visit midfirst.com/applepay.

Start using Apple Pay™ with your MidFirst Bank Credit Card today!

Hold your iPhone®* Or, pay online with Add your eligible MidFirst or Apple Watch near your Touch IDTM in a to Apple PayTM a merchant’s card participating merchant using on your reader and authorize app with your iPhone®, iPhone®* or Apple Watch. your payment with your iPad Air, or iPad miniTM.** finger or Touch IDTM.

*iPhone 6, 6 Plus or newer. **iPhone 6, 6 Plus, iPad Air 2, iPad mini 3 or newer. 14 Apple, the Apple logo, iPhone and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. ™

Apple Pay 15 FAQs Q: How do I activate my new MidFirst Bank Credit Card? Q: How do I add an authorized user to my credit card? A: You may activate your new MidFirst Bank Credit Card by A: You may add an additional authorized user by calling Credit Card Services calling the activation line at 800-456-6870. at 866-762-0492. Please note that you are responsible for all charges made to the card, as well as any balance transfers and cash advances Q: Can I transfer a balance from another card to a MidFirst made by any additional cardholders added to the account. Bank Credit Card? A: Yes, you can transfer balances from Visa, MasterCard and Q: Where can I enroll in electronic statements (eStatements)? other eligible credit card accounts as long as your credit A: Once you’re signed up for online banking, you may enroll in limit is high enough to accommodate the transfer. Please eStatements by clicking the “Credit Card” tab at the top of your online review your Credit Card Application Disclosure for the banking. Then click “Statements” from the navigation menu followed applicable fees and annual percentage rates regarding by “Delivery Options.” You’ll be able to select your statement delivery your balance transfer request. option of Electronic or Mail at this screen. Q: How do I request a balance transfer? Q: I forgot my personal identification number (PIN). A: You may call Credit Card Services at 866-762-0492. How can I find out what it is? We recommend having a copy of the last credit card A: You can request a replacement PIN to be mailed to you by calling statement from the account balance being transferred. Credit Card Services at 866-762-0492. You will need the account number, mailing address of 16 the payment, and amount of the balance transfer. FAQs continued on page 19 FAQ, Contact & Payment Information Mail payments to: payments Mail Bank MidFirst PO Box 31021 FL 33631-3021 Tampa, Pay at any MidFirst any MidFirst Pay at center banking Pay online at: Pay online midfirst.com MidFirst Bank Credit Card Contact & Payment Information: Payment & Card Contact Credit Bank MidFirst Card Services Credit payments: and phone 866-762-0492

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FAQs FAQ & Contact Information Q: Can I still mail my credit card payment to MidFirst Q: Can I find information about my credit card rewards online or get help if I even if I’m enrolled in online banking? have questions? A: Yes, you can still mail your payment with the A: For Rewards cardholders, if you’re enrolled to manage your account online, payment coupon and envelope that are enclosed you will see your point balance under the Rewards Account header once logged in your printed statement. Remember to write your in to online banking. You may click on the corresponding Rewards Account to account number on the check or order and access the catalog to redeem for merchandise, gift cards, cash make it payable to MidFirst Bank. Payments without back and travel rewards. A rewards point summary of your current earnings and a payment coupon may not be credited to your points available is also provided on your monthly credit card statement. account the same day received. You can also call our Rewards Center at 866-772-6184 — 24 hours a day; Q: Can I set up automatic or recurring payments closed major holidays. for my credit card? Q: What do I do if my credit card is lost or stolen? A: Yes, once you’re signed up for online banking, A: Please call Credit Card Services immediately at 866-762-0492 and we you’ll need to set up a payment account. Then you will cancel your card and send you a new one within 7-10 business days. can set up an automatic monthly payment (recurring With the Visa Zero Liability Policy or MasterCard Zero Liability Protection,* payment plan), and your payment will be made on you will not be liable for unauthorized purchases made online or for the date you specify each month. signature-based transactions at merchants. *The Visa Zero Liability Policy and MasterCard Zero Liability Protection covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or MasterCard, or certain commercial card transactions. Cardholder must notify MidFirst Bank promptly of any unauthorized use. 19 midfirst.com/newcreditcard