By submitting the application, the applicant(s): 1. Certify that the above information is true and complete as of this date. 2. Agrees that this application is the property of the Bank and need not be returned to the applicant(s). 3. Authorizes the Bank to verify the accuracy and completeness of all information shown above from any source the Bank chooses, including obtaining credit bureau reports. This authorization extends to the applicant’s spouse or other person who has community property rights pursuant to state law if applicant resides in a community property state. 4. Acknowledges receipt of Insurance Disclosure Statement as required by federal law. 5. Agrees that you, your affiliate, agents and service providers using written, electronic or verbal means to contact me. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, e-mails and/or automatic telephone dialing systems. I agree you, your affiliates, agents and service providers may do so using any e-mail or any telephone number I provide, including a number for a cellular phone or other wireless device, regardless of whether I incur charges as a result. 6. Authorizes the Bank to answer questions from others about its credit experience with the applicant(s), furnish such information to credit bureaus, and share foregoing information consistent with its privacy policy. NOTICE TO MARRIED WISCONSIN APPLICANT(S): No provision of any marital property agreement, unilateral statement under Wisc. Statutes 766.59 or a court decree under Wisc. Statutes 766.70 adversely affects the interest of the lender unless the lender, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the lender is incurred. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW 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. What this means for 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. As a wholly owned subsidiary of BNP Paribas, Bank of the West will comply with applicable French, European Union (EU), and United Nations (UN) sanctions, and sanctions related regulations in all territories in which it operates and provides services to customers. Additionally, Bank of the West complies with federally mandated AML laws and regulations including the Bank Secrecy Act (BSA), USA Patriot Act, and the Office of Foreign Assets Control (OFAC) regulations. INSURANCE DISCLOSURE STATEMENT: Federal regulations require the following special disclosure to each credit applicant, whether or not the applicant chooses to purchase any insurance product in connection with a credit request: • Bank of the West does not condition any extension of credit on the purchase of an insurance product from the Bank or any of its affiliates. • You are free to purchase insurance elsewhere Important Terms of the Bank of the West Platinum Equity Choice Line of Credit And Gold Equity Choice Line of Credit including What You Should Know About Home Equity Lines of Credit as published by the Consumer Financial Protection Bureau IMPORTANT TERMS OF THE BANK OF THE WEST PLATINUM AND GOLD EQUITY CHOICE LINES OF CREDIT Thank you for your interest in a home equity line of credit with Bank of the West. This disclosure contains important information about our Platinum Equity Choice Line of Credit and our Gold Equity Choice Line of Credit (the “Account,” “plan,” or “home equity line of credit”). You should read this disclosure carefully and retain a copy of it for your records. The Platinum Equity Choice Line of Credit is offered to customers requesting a home equity line of credit to be secured by a first lien mortgage. The Gold Equity Choice Line of Credit is offered to customers requesting a home equity line of credit to be secured by a junior lien mortgage. All home equity lines of credit are subject to credit approval. Availability of Terms All of the terms described in this disclosure are subject to change prior to the time your Account documents are signed. If these terms change (other than the Annual Percentage Rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us in connection with your application. Security Interest We will take a security interest in your home, which may be your primary home, a vacation home, or an investment property. You could lose your home to foreclosure if you do not meet your obligations under the home equity line of credit agreement. Possible Actions We May Take We may terminate your home equity line of credit and require you to pay us the entire outstanding balance in one payment and charge you certain fees if: • You engage in fraud or material misrepresentation in connection with the plan. • You do not meet the repayment terms of the plan for any outstanding balance. • Your action or inaction adversely affects the property securing the plan or our security interest in that collateral. • The property securing your home equity line of credit is sold or transferred without our permission or you fail to maintain the insurance we require on the property. • All persons liable on the Account die. We may reduce your credit limit or prohibit additional extensions of credit during any period in which: • The value of the collateral declines significantly below its appraised value for purposes of the plan. • We reasonably believe that you will not be able to meet the repayment requirements of the plan due to a material change in your financial circumstances. • You are in default of any material obligation under your Account agreement. • Government action prevents us from imposing the Annual Percentage Rate provided for under the plan. • As a result of government action, the value of our security interest is less than 120% of your credit limit. • A government authority or regulatory agency has notified us that continued advances would constitute an unsafe and unsound business practice. • The maximum Annual Percentage Rate applicable to your Account is reached. We may increase the Margin for your Account if (1) you have authorized us to automatically withdraw your minimum payments from your Bank of the West deposit account and (2) you later cancel that authorization, close that deposit account, or fail to maintain a balance in that deposit account to cover your minimum monthly payments. See Incentive to Have Your Payments Processed Automatically, below. We may change the Index and Margin we use to determine your interest rate if the Index becomes unavailable. We can make other changes to the terms of your Account if they will be of benefit to you, if they will not have a significant effect on you or your Account, or if we obtain your written agreement to the change. Requesting Advances You may request advances for ten years from the date your Account is opened (the “draw period”). Each advance must be at least $100 and we have no obligation to honor any request for an advance that would cause you to exceed your credit limit. Minimum Payment Requirements Minimum Payments during the Draw Period. During the 10-year draw period, payments will be due monthly. Your minimum monthly payment will be the greater of $100 or the sum of the interest charged to your Account for the billing period, plus any amount past due and any other charges imposed during the billing period. If at the end of a billing period less than $100 is owed on your Account, you will be required to pay that balance in full. Minimum Payments during the Repayment Period. At the end of the draw period, you will no longer be able to obtain advances and the repayment period will begin. The outstanding balance owing at the beginning of the repayment period will be repayable in substantially equal monthly payments over a 240- month term if that balance is $50,000 or more, over a 180-month term if that balance is at least $10,000 but less than $50,000, or over a 120-month term if that balance is less than $10,000. The amount of your monthly payments will be the minimum amount we determine to be necessary to fully repay the outstanding balance, plus all interest that will accrue during the repayment period, in substantially equal monthly payments over the full term of the repayment period. Notwithstanding the foregoing, the minimum monthly payment will never be less than $100, which, depending on your outstanding balance, may result in your Account being repaid before the end of the scheduled repayment period. Minimum Payment Example If you took an immediate advance of $10,000 as soon as you opened your Account, took no other advances, and did not elect to convert any portion of this advance into a Fixed Rate Loan Option (see Fixed Rate Loan Option below), then based upon an ANNUAL PERCENTAGE RATE of 6.25%, it would take 11.83 years to fully repay your Account. During that period, you would have to make 141 monthly payments of $100.00 (the minimum monthly payment) and a final payment of about $62.41. Fees and Charges We may impose the following fees to open, use, or maintain your Account, subject to applicable state law limitations: • Annual Fee of $0 to $75.