(This card is issued by Hometown Bank, member FDIC, pursuant to a license by MasterCard® International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Use of this card is subject to the enclosed Terms & Conditions of the Cardholder Agreement. By accepting, signing or using this card, you agree to the terms of the Cardholder Agreement. As the property of Hometown Bank the surrender of this card may be required at any time.)