b'Important Information about your Platinum Mastercard\xc2\xae\nEffective Date: September 1, 2021\nCARDHOLDER AGREEMENT\nPRICING AGREEMENT\n\nINTEREST RATES & INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\nand Balance Transfers\n\n3.99%introductory APR for six months after account opening.\nAfter that, your APR will be 13.25%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\n24.25%\nThis APR will vary with the market based on the Prime Rate.\n29.24%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply?\nIf your APRs are increased for this reason, the Penalty APR will apply until you\nmake six consecutive minimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by the\ndue date of each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFor Credit Card tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\n\nEither $10 or 3% of the amount of each transfer, whichever is greater.\n\nCash Advance and Convenience Checks\n\nEither $10 or 4% of the amount of each cash advance and convenience\ncheck, whichever is greater.\n\nForeign Transaction\nInternational transaction fee\n\n3% of the transaction amount in U.S. dollars.\n\nPenalty Fees\nLate Payment\n\nUp to $10.00\n\nReturned Payment\n\nUp to $30.00\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0cHow We Will Calculate Your Balance:We use a method called "average daily balance (including currenttransactions)." See\nBalance Computation Method within the Pricing Agreement for more details.\nLoss of Introductory APR:We may end your introductory APR and apply the Penalty APR if you make a latepayment. The Penalty\nAPR will vary with the market based on the Prime Rate.\nBilling Rights:Information on your rights to dispute transactions and how to exercise those rights is providedin your Cardholder\nAgreement.\nPRICING AGREEMENT CONTINUED\n1. Terminology.For purposes of this Pricing Agreement, and the Account Agreement, (collectively referred to as the \xe2\x80\x9cCardholder\nAgreement\xe2\x80\x9d) each Account Holder/Cardholder is referred to as \xe2\x80\x9ccardholder\xe2\x80\x9d or "you", whether one or more, and First Interstate\nBank is referred to as \xe2\x80\x9cBank,\xe2\x80\x9d "Issuer,\xe2\x80\x9d "us," or "we".\n2. Interest Rates.\na. Periodic Rate and Annual Percentage Rate.The Annual Percentage Rate corresponds to a Periodic Rate. The Annual\nPercentage Rate is equal to the Periodic Rate multiplied by 12 and the Periodic Rate is equal to the Annual Percentage\nRate divided by 12. Rates other than the introductory rate vary with the market based on the Prime Rate as described\nfurther below.\nb. Purchases and Balance Transfers.\ni. Introductory Rate.The introductory rate for Purchases and Balance Transfers is 0.33% per month,\ncorresponding to an Annual Percentage Rate of 3.99%. Unless a late payment is made and the introductory rate\nis ended, the introductory rate applies for twelve months.\nii. The Periodic Rate for subsequent Purchases and Balance Transfers and all existing balances related to\nPurchases and Balance Transfers shall be 1.1% per month, corresponding to an Annual Percentage Rate 13.25\n%. The Periodic Rate and corresponding Annual Percentage Rate for Purchases and Balance Transfers varies\nwith the Prime Rate (defined below) and therefore may decrease or increase as the Prime Rate varies. The\nAnnual Percentage Rate for Purchases and Balance Transfers is determined monthly on the first day of the\nbilling cycle by adding 10 percentage points to the Prime Rate.\n\nc. Cash Advances.The Periodic Rate for Cash Advances is 2.02% per month, corresponding to an Annual Percentage\nRate of 24.25%. The Periodic Rate and corresponding Annual Percentage Rate for Cash Advances varies with the Prime\nRate (defined below) and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for\nCash Advances is determined monthly on the first day of the billing cycle by adding 21 percentage points to the Prime\nRate.\nd. Penalty Rate.The penalty Annual Percentage Rate will apply if a required payment is one time delinquent over sixty (60)\ndays. The Periodic Rate that will apply as a penalty to all balances is 2.44% per month, corresponding to an Annual\nPercentage Rate of 29.24%. The Periodic Rate and Annual Percentage Rate applicable as a penalty varies with the\nPrime Rate and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate applicable\nas a penalty is determined monthly on the first day of the billing cycle by adding 25.99 percentage points to the Prime\nRate.\ne. Prime Rate.The Prime Rate used for every adjustment referenced above is the highest "U.S. prime rate" as published in\nthe "Money Rates" section of The Wall Street Journal on the first publication day of the month in the month preceding the\nchange.\nf. Billing Cycle.Each monthly statement reflects a billing cycle. A billing cycle is a time period that ends on a closing date\ndetermined by us and begins on the day after the closing date of the previous billing cycle.\n\n3. Balance Computation Method.As indicated above, we use a method called "average daily balance (including current\ntransactions)" to calculate your balance. We figure the interest charge on your Account by applying the Periodic Rate to the\n"average daily balance" of your Account. To get the "average daily balance" we take the beginning balance of your Account\neach day, add any new purchases and advances, and subtract any unpaid interest or other finance charges and any payments\nor credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the "average daily balance."\n4. Minimum Payment.The minimum payment required is the New Balance shown on your statement if the amount is equal to or\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0cless than $20.00. If the New Balance shown on your statement exceeds $20.00, the minimum payment is 3.00% of that portion\nof the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus\nthe entire portion of the New Balance in excess of your credit limit, plus any amount past due.\n5. Balance Transfer, Cash Advance and Convenience Check Fees.A Balance Transfer Fee of either $10.00 or 3.00% of the\namount of each transfer, whichever is greater, will apply. A Cash Advance Fee of either $10.00 or 4.00% of the amount of each\ncash advance, whichever is greater, will apply if you obtain funds through an automated teller machine (ATM) or a financial\ninstitution, make a wire transfer or obtain a money order. A Convenience Check Fee of either $10.00 or 4.00% of the amount for\neach convenience check will apply. We will begin charging interest on Balance Transfers, Cash Advances and Convenience\nChecks on the transaction date.\n6. Foreign Transactions.If you make a purchase or cash advance in foreign currency, the transaction will be converted into U.S.\nDollars by Mastercard\xc2\xae. The exchange rate applied to such transactions is applied on the date that the transaction is processed\nand is either (i) a wholesale exchange rate selected by Mastercard\xc2\xae, or (ii) a government-mandated rate. The exchange rate\nused on the processing date may differ from the rate that would have been used on the transaction date or the Credit Card\nstatement posting date. In addition to the exchange rate, we will charge the applicable international transaction fee.\n7. Late Payment Penalty Fee.If the minimum required payment is not received within ten (10) days after the payment due date,\nthe late payment penalty fee will be imposed.\n8. Balance Transfers.Balance Transfers are subject to the Balance Transfer Fee disclosed in the Pricing Agreement. We will\nevaluate your Balance Transfer requests upon receipt. The total amount of your requests, including fees and interest charges,\ncannot exceed your available credit. If your Balance Transfer requests exceed your credit limit, we may either decline your\nBalance Transfer request or send less than the full amount requested to the designated payees. Each Balance Transfer will\nreduce your available credit just like any other transaction. It may take up to three weeks to process your Balance Transfer(s),\nso you may still need to make payments to your other accounts to keep them current. We will not process any Balance Transfer\nrequests for any other account or loan that is issued by us.\n9. Overdraft Protection.Overdraft Protection is an available option on your Account but requires you to enroll and qualify for this\nservice separately. Overdraft transfers to your eligible First Interstate Bank deposit account from your First Interstate Bank credit\ncard account will be subject to the Cash Advance Annual Percentage Rate disclosed under the Pricing Agreement of this\nCardholder Agreement. The Cash Advance Transaction Fees do not apply.\n10. Expedited Credit Card Production and Delivery Charge.Upon request, we will rush your Credit Card and charge you a onetime fee of $28.50.\n11. Expedited Payment Fee.You may be charged a convenience fee of up to $15.00 to make an expedited payment over the\nphone with the assistance of a live customer service representative.\n12. Research Charges.We will charge $20 per hour, $10.00 minimum per project and $1.00 per Credit Card statement.\n13. Security Interests.If you have other loans or credit extensions from us, or take out other loans or credit extensions with us in\nthe future, collateral securing those loans or credit extensions may also secure your obligations under this Cardholder\nAgreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations\nunder this Cardholder Agreement even if we have, or later acquire, a security interest in the household goods or a mortgage on\nthe dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (certificates of\ndeposit or checking, savings, or share accounts) or other funds held by us to secure your obligations under this Credit Card\nplan, such accounts and/or funds are additional security for your obligations to us arising from the use of your Credit Card.\n\nACCOUNT AGREEMENT \xe2\x80\x93 TERMS GOVERNING THE USE OF YOUR CREDIT CARD\nBy signing or using the Credit Card to be issued by us, you acknowledge receipt of the Cardholder Agreement and agree with us as\nfollows:\n1. Credit Card Use. You may use your Credit Card to purchase goods and services ("Purchases") from participating merchants.\n2. Promise to Pay. You shall be liable and agree to pay us for Purchases made by, or for Cash Advances extended to, you or\nanyone else using such Credit Card unless the use of such Credit Card is by a person other than you (a) who does not have\nactual, implied or apparent authority for such use, and (b) from which you received no benefit. Additionally, you shall be jointly\nand severally liable and agree to pay for all Purchases and Cash Advances obtained through the use of any other Credit Card\nbearing your Account number that has been issued to another person by reason of such person being a member of your family,\nor otherwise issued upon your request (all such Credit Cards bearing your Account number are herein collectively called\n"Related Credit Cards").\n3. Annual Fee. You agree to pay to us an annual fee (if and as stated in the Pricing Agreement Disclosures) for participation in our\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0cCredit Card plan. Such annual fee shall be imposed whether or not you use the Credit Card to obtain Purchases and Cash\nAdvances. The annual fee shall be charged to your Account each year in the month of our choice. The annual fee is not\nrefundable in the event of termination of the Account by either you or us unless otherwise provided for by law.\n4. Our Right to Cancel Your Account. We can cancel your Account at any time, or reduce the amount of your credit line, without\nnotice to you, except in those situations where notice is required by law. If we cancel your Account, you agree to destroy all\nCredit Cards issued on your Account by cutting them in half and returning them to us. You will continue to be responsible for full\npayment of the balance on your Account and all charges to your Account, including those not yet received by us, as well as\nsubsequent interest and other charges. Each Credit Card is our property, and you agree that the Credit Cards are not\ntransferable and to surrender any Credit Card upon demand.\n5. Credit Limit. You shall not use the Credit Card or permit the use of Related Credit Cards to obtain Purchases or Cash Advances\nwhich will increase your indebtedness to us to an amount in excess of the limit established by us.\n6. Credit Card Acceptance. All Purchases and Cash Advances are subject to the approval of the Seller and Cash Advancing Bank,\nrespectively, and we shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Credit Card or any\nRelated Credit Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to us,\nwhich shall be shown as a credit on your Account statement with us.\n7. Statements. We will send to you, at monthly intervals determined by us, a statement reflecting for the prior monthly period all\nCredit Card and Related Credit Card transactions. Such statement shall be deemed correct and accepted by you and all holders\nof Related Credit Cards unless we are notified to the contrary in writing within 60 days of mailing of such statement. You will pay\nsuch statement by remitting to us within 25 days of the closing date reflected on the statement either the full amount billed or, at\nyour option, an installment equal to at least the required minimum payment stated above.\n8. Interest. Interest on Balance Transfers, Cash Advances and Purchases will be charged in accordance with the calculation\nmethod referred to in the Pricing Agreement. The rate of interest shall be established by us from time to time, but shall never\nexceed the maximum rate permitted by law.\n9. Default, Acceleration and Security. You will be in default, and we may, without notifying you, temporarily suspend your credit,\nclose your Account, cancel all Credit Cards issued on it and require immediate payment of your entire balance if any of the\nfollowing occurs:\na. You fail to make a payment when it is due.\nb. You do not follow the terms of this Agreement in any way.\nc. You have made a false or misleading statement on the application for your Account.\nd. You fail to pay any other loan you owe us.\ne. You become insolvent or die.\nf. There is an attachment, execution or levy against your property or you make an assignment for the benefit of creditors.\ng. A bankruptcy is filed by or against you or your spouse.\nh. A guardian, conservator, receiver, custodian or trustee is appointed for you.\ni. You are generally not paying your debts as they become due.\nj. There has been a material adverse change in your financial standing.\n\nYou agree to pay all costs incurred by us in collecting our indebtedness or in enforcing this Cardholder Agreement, including\nreasonable attorney\xe2\x80\x99s and paralegal fees and also those costs, expenses and attorney\xe2\x80\x99s and paralegal fees incurred in\nappellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.\n10. Closing Your Account. You may close your Account at any time. If you close your Account, in order to avoid the accrual of\ninterest and other fees, you must immediately pay everything you owe us, including any amounts owed but not yet billed. If you\ndo not pay, the Account will continue to accrue interest and other fees, and will remain subject to all the terms and conditions of\nthis Cardholder Agreement. Upon closing the Account, you also agree to destroy all Credit Card(s) and any unused\nConvenience Checks. If you close your Account, Credit Cards or Convenience Checks may not be used.\n11. Change in Terms of Your Account. We can change any terms of your Account at any time. We will provide you with such notice\nas is required by law by mailing a notice to you at the latest address shown in our records.\n12. Notification of Changes. You agree to notify us within 20 days of any change in name, mailing address, telephone number or\nplace of employment.\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0c13. Governing Law. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this Cardholder\nAgreement and all matters arising out of the issuance and use of the Credit Card and your Account shall be governed by and\ninterpreted in accordance with the laws of the State of Montana regardless of where you may reside or use your Account.\n14. Liability for Unauthorized Credit Card Use/Lost or Stolen Credit Card. If you notice the loss or theft of your Credit Card or\npossible unauthorized use of your Credit Card, you should write to us immediately at:\n\nFirst Interstate Bank\nPayment Services\nP.O. Box 30918\nBillings, MT 59116-0918\nOr call us at (866) 839-3485\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for any unauthorized\nuse that occurs before your notice to us. In any case, your liability will not exceed $50.00.\nYou agree to notify us immediately if your Credit Card is ever lost or stolen or if any unauthorized use may have occurred. You\nagree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible\nunauthorized use of your Credit Card and to comply with such procedures as we may require in connection with our\ninvestigation, including assisting in the prosecution of any unauthorized user.\n15. Telephone Monitoring. You agree that we and our agents or service companies may monitor and/or record any telephone\ncommunications with you or any cardholder.\n16. Payments must be made to us in U.S. Dollars drawn on a U.S. bank. Subject to applicable law, payments may be applied to\nwhat you owe us in any manner we choose in our sole discretion. We may accept checks marked "Payment in Full" or with\nwords of similar effect without losing any of our rights to collect the full balance of our Account.\n17. Reevaluation of Credit. We can reinvestigate and reevaluate any information you provided on your credit application at any time,\nand in the course of doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify\nyour current credit standing. You also acknowledge that we may periodically evaluate your creditworthiness utilizing a credit\nscoring process. The results of these investigations and evaluations could lead to a reduction or termination of your credit limit,\nchanges in the APR applicable to your Account, or changes in other terms of your Account. As required by law, you will be\nnotified of these changes.\n18. Release of Information. You agree that we may release information to others, such as credit bureaus, regarding the status and\nhistory of your Account. However, we are not obligated to release any such information to anyone unless we are required by law\nto do so.\n19. Prohibited Transactions. You shall not use the Credit Card for any illegal transaction. In addition, Federal Law, the Unlawful\nInternet Gambling Enforcement Act of 2006 prohibits commercial customers from conducting transactions related to illegal\nInternet gambling. As our credit card customer you agree to notify us if your Account is ever used for Internet gambling, even if\nyou believe the activity to be legal. If you do not, we may close your Account.\n20. If, for any reason, we do not make use of any of our rights under this Cardholder Agreement on a particular occasion, that will\nnot limit our rights in the future in any way.\n21. Mastercard\xc2\xae Rules and Regulations. You agree that your Account shall be subject to all applicable rules and regulations of\nMastercard\xc2\xae Worldwide, as applicable, as well as all applicable laws. If there is any conflict between the provisions of this\nCardholder Agreement and the rules and regulations of Mastercard\xc2\xae Worldwide, the rules and regulations of Mastercard\xc2\xae\nWorldwide shall control.\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Interstate Bank\nPayment Services\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0cPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your Credit Card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFirst Interstate Bank\nPayment Services\nPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nImportant Notice \xe2\x80\x93 Please Read Carefully\nWe may report information about your account to\ncredit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your\ncredit report.\nPlease contact Payment Services with any questions\nabout this notice at 1-888-833-3454.\n\nPlatinum Mastercard\xc2\xae Intro (Tier C) 0921 11PNSHR\n\n\x0cFACT ACT NOTICE\n\nYour Credit Report and the Price You Pay for Credit\n\nWhat is a credit report?\n\nA credit report is a record of your credit history. It includes information\nabout whether you pay your bills on time and how much you owe to creditors.\n\nHow did we use your credit\nreport?\n\nWe used information from your credit report to set the terms of the credit we\nare offering you, such as the Annual Percentage Rate.\nThe terms offered to you may be less favorable than the terms offered to\nconsumers who have better credit histories.\n\nWhat if there are mistakes in\nyour credit report?\n\nYou have a right to dispute any inaccurate information in your credit report.\nIf you find mistakes on your credit report, contact Equifax, which is the\nconsumer reporting agency from which we obtained your credit report.\nIt is a good idea to check your credit report to make sure the information it\ncontains is accurate.\n\nHow can you obtain a copy of\nyour credit report?\n\nHow can you get more\ninformation about credit\nreports?\n\nUnder federal law, you have the right to obtain a copy of your credit report\nwithout charge for 60 days after you receive this notice. To obtain your free\nreport, contact Equifax:\nBy telephone:\n\nCall toll-free: 1-800-685-1111\n\nBy mail:\n\nMail your written request to:\nPO Box 740241\nAtlanta, GA 30374\n\nOn the web:\n\nVisit www.equifax.com/fcra/\n\nFor more information about credit reports and your rights under federal law,\nvisit the Consumer Financial Protection Bureau\'s web site at\nwww.consumerfinance.gov/learnmore\n\n\x0cDepartment of Defense Credit Card Disclosure\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or\nher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products\nsold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account).\nPayment obligation for a consumer credit card is as follows:\nThe minimum payment required is the New Balance shown on the statement if the amount is equal to or less than\n$20.00. If the New Balance shown on the statement exceeds $20.00, the minimum payment is 3.00% of that\nportion of the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00,\nwhichever is greater, plus the entire potion of the New Balance in excess of your credit limit, plus any amount past\ndue.\nPlease call (888) 833-3445 to have this Disclosure provided to you orally.\n\n\x0c\x0c\x0cCONVENIENCE BENEFITS\nLocal Customer Service\n\nReceive the service you\xe2\x80\x99ve come to expect with First Interstate Bank. Stop by your local\nbranch or call our Billings-based customer service center to make a payment or to ask\nquestions regarding your account. We work together to provide the quality service you\ndeserve. To take advantage of our local customer service call 1-888-833-3454 or simply\nemail us at creditcards@fib.com.\n\neZCardInfo.com\n\nStay in touch with your credit card account 24 hours a day, seven days a week.\neZCardInfo provides you with information and services that make your credit card easier\nto manage than ever before.\nWith the click of a mouse, view important information about your account including\nbalances, available credit, current and past statements and transaction information since\nyour last statement. You can also make your life simpler by signing up for electronic\nstatements or paying your bill online. Visit www.eZCardInfo.com to get started!\n\nDon\xe2\x80\x99t want to remember another password? IBank customers can access their account\n\nSECURITY BENEFITS\nZero Liability\n\nHave peace of mind knowing that First Interstate Bank won\xe2\x80\x99t hold you responsible for\n\xe2\x80\x9cunauthorized purchases\xe2\x80\x9d on your Mastercard. Zero liability applies to purchases made in\nthe store, over the telephone or online. Call toll free at 1-888-833-3454.\n\nMastercard\xc2\xae Global Service\n\nGet emergency assistance virtually anytime, anywhere, and in any language. Mastercard\nGlobal Service helps you report a Lost or Stolen Card, obtain an Emergency Card\nReplacement or Cash Advance, find an ATM location, and answer questions regarding your\naccount. Call toll free at 1-800-MASTERCARD.\n\n24-Hour Cardholder Assistance\n\nReceive call center support 24/7 that can help you with account information, card\nactivation or reporting your card lost or stolen. Contact 1-888-833-3454.\n\nMastercard\xc2\xae SecureCode\n\nSecureCode helps ensure that only you can use your Mastercard\xc2\xae when shopping online.\nUsing a private code tied specifically to your Mastercard account, SecureCode helps\nprevent unauthorized purchases. For more details visit www.Mastercard.us/securecode.\n\nFraud Alert Management\n\nSecurity is a top priority at First Interstate Bank that\xe2\x80\x99s why we utilize a Fraud Alert\nManagement detection system which continuously monitors your First Interstate Bank\nMastercard activity to help identify and prevent fraudulent transactions on your account.\nIf suspicious charges or transactions outside of your normal spending patterns appear on\nyour card, you may receive an automated phone call from Fraud Alert Management on\nbehalf of First Interstate Bank to verify the activity on your account. If the Automated Call\nSystem cannot reach you, a temporary block may be placed on your card until you validate\nthe transaction/activity in question.\nFor Fraud Alert Management support within the US call 1-800-437-9392. If you\xe2\x80\x99re traveling\nor reside outside Canada or the US, you may obtain Fraud Alert Management support by\ncalling collect at 1-727-227-2447.\n\n\x0cSECURITY BENEFITS (CONTINUED)\nIdentity Theft Resolution\nServices\n\nThis benefit can assist you with the process of restoring your identity . Services include:\n\xef\x82\xb7 24/7 access to certified resolution specialists who are experts in their field, and know\nhow to help you restore your identity. They can assist with filing police reports, providing\na cash advance, executing message relay, and facilitating emergency travel\narrangements,\n\xef\x82\xb7 Notification to all three major credit reporting agencies to place blocks on your\nrecords and obtain free credit reports,\n\xef\x82\xb7 Assistance with completing paperwork to alert various parties of the potential fraud,\n\xef\x82\xb7 Assistance with cancellation of all lost cards in wallet,\n\xef\x82\xb7 Provide information to assist with card replacement,\n\xef\x82\xb7 Education about how Identity Theft can occur and protective measures to avoid further\noccurrences, and\n\xef\x82\xb7 Follow-ups throughout the process to help ensure progress is being made in\nrestoring your identity.\nContact 1-800-MASTERCARD for more information.*\n\nTRAVEL BENEFITS\nTravel Accident Insurance\n\nTravel more safely with Travel Accident Insurance. As an eligible cardholder, you and your\ndependents are covered automatically with travel accident insurance when the entire\ntravel fare is charged to your eligible Mastercard account while this insurance is effective.\nFor more details, please write to the Plan Administrator:\nFinancial Institution Marketing Group\nP.O. Box 31065\nTampa, FL 33631-3065\n\n* Certain terms, conditions and exclusions apply. Visit www.mycardbenefits.com for complete program details.\n\n\x0cACH AUTO PAYMENT AGREEMENT\nI (we) hereby authorize First Interstate Bank to initiate withdrawals from the account indicated below to pay on\ncredit card account number #\n.\nI (we) agree that your rights in respect to each withdrawal shall be the same as if it were a check drawn on my (our) account and\npersonally signed by either of us and that you shall be fully protected in honoring such a withdrawal. I (we) further agree that if any\nsuch withdrawal is dishonored with cause, First Interstate Bank shall be under no liability whatsoever if such dishonor results in late\ncharges or revocation of my (our) card. If funds are not available, this agreement is null and void immediately.\n\nCARDHOLDER NAME\nCITY\n\nSTATE\n\nZIP\n\nTRANSIT/ABA NO. __ __ __ __ __ __ __ __ __ Checking \xef\x81\xa3 Savings \xef\x81\xa3\n\nACCOUNT #\n\n(The first 9 numbers from the left at the bottom of your check are your Bank Routing Number.)\n\nIndicate the date each month the payment will be applied to the credit card account:*\n(Payment date cannot be between the 6th and 10th of the month.) If blank or if you have Special Billing\nOptions** payment date will default to the due date.\n\n*If payment falls on a weekend or holiday the payment applies on the following business day.\n**Special Billing Options are available for Business Customers only. Contact Payment Services for more information.\n\nThe amount of payment for my (our) credit card to be deducted monthly is (check one):\n\xef\x81\xa3 The minimum required payment amount or percentage as disclosed in the cardholder agreement,\n\n$20.00 dollars or 3%, whichever is greater.\n\n\xef\x81\xa3 The total unpaid balance of the account as of statement date.\n\xef\x81\xa3 Business customers only: The total balance due as of the statement cycle (credits received after\n\nstatement cycle will not lower the amount of payment applied. Credits will apply to the next month\xe2\x80\x99s\nbalance).\n\n\xef\x81\xa3 A fixed dollar amount which is greater than the minimum required payment but less than the full unpaid\n\nbalance. The fixed dollar amount to be withdrawn monthly is $ _______.____. Write out dollar amount.\n___________________________________dollars.\n\n\xef\x81\xa3 A fixed percentage of the balance which is greater than the minimum required payment but less than\n\nthe full unpaid balance. The fixed percentage of the unpaid balance to be withdrawn monthly is\n_________%. Write out percentage amount. _______________________________percentage.\n\nThis authority is to remain in full force and effect until I (we) provide First Interstate Bank requesting that a\nchange be made or termination of this agreement. Notification to change or terminate must be received 30 days\nprior to the date you would like the change or termination to take place.\nI (we) understand and agree that in order for First Interstate Bank to make payments requested in this authorization form,\nI (we) must have the payment amount available in my (our) account. I (we) further understand and agree that First\nInterstate Bank shall not be responsible for any act or failure to act on their part, except in the case of gross negligence or\nwillful misconduct. Furthermore, I (we) agree to hold First Interstate Bank harmless from any claims, liabilities, attorney\xe2\x80\x99s\nfees and other costs and expenses of any and every kind and nature which may be incurred by them by reason of their\nperformance under this Authorization Form.\n\nIn addition, I understand that it may take up to 30 days from the date this agreement is received for the\nACH transfers to take effect. I agree I am responsible for any payments during this time frame.\nCustomer Signature\n\nDate\n\nIf you have any questions, please call (888) 833-5434. Fax form to 406-255-5432, or scan and email to\ncreditcards@fib.com.\n\n\x0cSave Money on Higher Interest Credit Cards\nYes! I want to save money by transferring my higher interest rate credit card(s) to my First\nInterstate credit card. Please refer to the account terms and conditions for balance transfer\nrate and fee information.\n\nName: ___________________________ Phone: _________________________________\nAddress:__________________________City______________State______Zip__________\nFirst Interstate Credit Card Number # __ __ __ __ - __ __ __ __ - __ __ __ __ - __ __ __ __\nSignature: _______________________________________________________________\n\nCard Issuer #1 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #2 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #3 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nUpon approval, it may take up to three weeks to post the balance transfer transaction. This means\nyou may need to make a payment to your current account to avoid late payment fees.\nReturn this balance transfer form to your local branch or mail to:\nFirst Interstate Bank\nCredit Card Division\nP.O. Box 30918\nBillings, MT 59116-0918\n\n\x0c'


b'Important Information about your Platinum Mastercard\xc2\xae\nEffective Date: September 1, 2021\nCARDHOLDER AGREEMENT\nPRICING AGREEMENT\n\nINTEREST RATES & INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\nand Balance Transfers\n\n3.99%introductory APR for six months after account opening.\nAfter that, your APR will be 11.25%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\n24.25%\nThis APR will vary with the market based on the Prime Rate.\n29.24%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply?\nIf your APRs are increased for this reason, the Penalty APR will apply until you\nmake six consecutive minimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by the\ndue date of each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFor Credit Card tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\n\nEither $10 or 3% of the amount of each transfer, whichever is greater.\n\nCash Advance and Convenience Checks\n\nEither $10 or 4% of the amount of each cash advance and convenience\ncheck, whichever is greater.\n\nForeign Transaction\nInternational transaction fee\n\n3% of the transaction amount in U.S. dollars.\n\nPenalty Fees\nLate Payment\n\nUp to $10.00\n\nReturned Payment\n\nUp to $30.00\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0cHow We Will Calculate Your Balance:We use a method called "average daily balance (including currenttransactions)." See\nBalance Computation Method within the Pricing Agreement for more details.\nLoss of Introductory APR:We may end your introductory APR and apply the Penalty APR if you make a latepayment. The Penalty\nAPR will vary with the market based on the Prime Rate.\nBilling Rights:Information on your rights to dispute transactions and how to exercise those rights is providedin your Cardholder\nAgreement.\nPRICING AGREEMENT CONTINUED\n1. Terminology.For purposes of this Pricing Agreement, and the Account Agreement, (collectively referred to as the \xe2\x80\x9cCardholder\nAgreement\xe2\x80\x9d) each Account Holder/Cardholder is referred to as \xe2\x80\x9ccardholder\xe2\x80\x9d or "you", whether one or more, and First Interstate\nBank is referred to as \xe2\x80\x9cBank,\xe2\x80\x9d "Issuer,\xe2\x80\x9d "us," or "we".\n2. Interest Rates.\na. Periodic Rate and Annual Percentage Rate.The Annual Percentage Rate corresponds to a Periodic Rate. The Annual\nPercentage Rate is equal to the Periodic Rate multiplied by 12 and the Periodic Rate is equal to the Annual Percentage\nRate divided by 12. Rates other than the introductory rate vary with the market based on the Prime Rate as described\nfurther below.\nb. Purchases and Balance Transfers.\ni. Introductory Rate.The introductory rate for Purchases and Balance Transfers is 0.33% per month,\ncorresponding to an Annual Percentage Rate of 3.99%. Unless a late payment is made and the introductory rate\nis ended, the introductory rate applies for twelve months.\nii. The Periodic Rate for subsequent Purchases and Balance Transfers and all existing balances related to\nPurchases and Balance Transfers shall be 0.94% per month, corresponding to an Annual Percentage Rate 11.25\n%. The Periodic Rate and corresponding Annual Percentage Rate for Purchases and Balance Transfers varies\nwith the Prime Rate (defined below) and therefore may decrease or increase as the Prime Rate varies. The\nAnnual Percentage Rate for Purchases and Balance Transfers is determined monthly on the first day of the\nbilling cycle by adding 8 percentage points to the Prime Rate.\n\nc. Cash Advances.The Periodic Rate for Cash Advances is 2.02% per month, corresponding to an Annual Percentage\nRate of 24.25%. The Periodic Rate and corresponding Annual Percentage Rate for Cash Advances varies with the Prime\nRate (defined below) and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for\nCash Advances is determined monthly on the first day of the billing cycle by adding 21 percentage points to the Prime\nRate.\nd. Penalty Rate.The penalty Annual Percentage Rate will apply if a required payment is one time delinquent over sixty (60)\ndays. The Periodic Rate that will apply as a penalty to all balances is 2.44% per month, corresponding to an Annual\nPercentage Rate of 29.24%. The Periodic Rate and Annual Percentage Rate applicable as a penalty varies with the\nPrime Rate and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate applicable\nas a penalty is determined monthly on the first day of the billing cycle by adding 25.99 percentage points to the Prime\nRate.\ne. Prime Rate.The Prime Rate used for every adjustment referenced above is the highest "U.S. prime rate" as published in\nthe "Money Rates" section of The Wall Street Journal on the first publication day of the month in the month preceding the\nchange.\nf. Billing Cycle.Each monthly statement reflects a billing cycle. A billing cycle is a time period that ends on a closing date\ndetermined by us and begins on the day after the closing date of the previous billing cycle.\n\n3. Balance Computation Method.As indicated above, we use a method called "average daily balance (including current\ntransactions)" to calculate your balance. We figure the interest charge on your Account by applying the Periodic Rate to the\n"average daily balance" of your Account. To get the "average daily balance" we take the beginning balance of your Account\neach day, add any new purchases and advances, and subtract any unpaid interest or other finance charges and any payments\nor credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the "average daily balance."\n4. Minimum Payment.The minimum payment required is the New Balance shown on your statement if the amount is equal to or\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0cless than $20.00. If the New Balance shown on your statement exceeds $20.00, the minimum payment is 3.00% of that portion\nof the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus\nthe entire portion of the New Balance in excess of your credit limit, plus any amount past due.\n5. Balance Transfer, Cash Advance and Convenience Check Fees.A Balance Transfer Fee of either $10.00 or 3.00% of the\namount of each transfer, whichever is greater, will apply. A Cash Advance Fee of either $10.00 or 4.00% of the amount of each\ncash advance, whichever is greater, will apply if you obtain funds through an automated teller machine (ATM) or a financial\ninstitution, make a wire transfer or obtain a money order. A Convenience Check Fee of either $10.00 or 4.00% of the amount for\neach convenience check will apply. We will begin charging interest on Balance Transfers, Cash Advances and Convenience\nChecks on the transaction date.\n6. Foreign Transactions.If you make a purchase or cash advance in foreign currency, the transaction will be converted into U.S.\nDollars by Mastercard\xc2\xae. The exchange rate applied to such transactions is applied on the date that the transaction is processed\nand is either (i) a wholesale exchange rate selected by Mastercard\xc2\xae, or (ii) a government-mandated rate. The exchange rate\nused on the processing date may differ from the rate that would have been used on the transaction date or the Credit Card\nstatement posting date. In addition to the exchange rate, we will charge the applicable international transaction fee.\n7. Late Payment Penalty Fee.If the minimum required payment is not received within ten (10) days after the payment due date,\nthe late payment penalty fee will be imposed.\n8. Balance Transfers.Balance Transfers are subject to the Balance Transfer Fee disclosed in the Pricing Agreement. We will\nevaluate your Balance Transfer requests upon receipt. The total amount of your requests, including fees and interest charges,\ncannot exceed your available credit. If your Balance Transfer requests exceed your credit limit, we may either decline your\nBalance Transfer request or send less than the full amount requested to the designated payees. Each Balance Transfer will\nreduce your available credit just like any other transaction. It may take up to three weeks to process your Balance Transfer(s),\nso you may still need to make payments to your other accounts to keep them current. We will not process any Balance Transfer\nrequests for any other account or loan that is issued by us.\n9. Overdraft Protection.Overdraft Protection is an available option on your Account but requires you to enroll and qualify for this\nservice separately. Overdraft transfers to your eligible First Interstate Bank deposit account from your First Interstate Bank credit\ncard account will be subject to the Cash Advance Annual Percentage Rate disclosed under the Pricing Agreement of this\nCardholder Agreement. The Cash Advance Transaction Fees do not apply.\n10. Expedited Credit Card Production and Delivery Charge.Upon request, we will rush your Credit Card and charge you a onetime fee of $28.50.\n11. Expedited Payment Fee.You may be charged a convenience fee of up to $15.00 to make an expedited payment over the\nphone with the assistance of a live customer service representative.\n12. Research Charges.We will charge $20 per hour, $10.00 minimum per project and $1.00 per Credit Card statement.\n13. Security Interests.If you have other loans or credit extensions from us, or take out other loans or credit extensions with us in\nthe future, collateral securing those loans or credit extensions may also secure your obligations under this Cardholder\nAgreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations\nunder this Cardholder Agreement even if we have, or later acquire, a security interest in the household goods or a mortgage on\nthe dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (certificates of\ndeposit or checking, savings, or share accounts) or other funds held by us to secure your obligations under this Credit Card\nplan, such accounts and/or funds are additional security for your obligations to us arising from the use of your Credit Card.\n\nACCOUNT AGREEMENT \xe2\x80\x93 TERMS GOVERNING THE USE OF YOUR CREDIT CARD\nBy signing or using the Credit Card to be issued by us, you acknowledge receipt of the Cardholder Agreement and agree with us as\nfollows:\n1. Credit Card Use. You may use your Credit Card to purchase goods and services ("Purchases") from participating merchants.\n2. Promise to Pay. You shall be liable and agree to pay us for Purchases made by, or for Cash Advances extended to, you or\nanyone else using such Credit Card unless the use of such Credit Card is by a person other than you (a) who does not have\nactual, implied or apparent authority for such use, and (b) from which you received no benefit. Additionally, you shall be jointly\nand severally liable and agree to pay for all Purchases and Cash Advances obtained through the use of any other Credit Card\nbearing your Account number that has been issued to another person by reason of such person being a member of your family,\nor otherwise issued upon your request (all such Credit Cards bearing your Account number are herein collectively called\n"Related Credit Cards").\n3. Annual Fee. You agree to pay to us an annual fee (if and as stated in the Pricing Agreement Disclosures) for participation in our\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0cCredit Card plan. Such annual fee shall be imposed whether or not you use the Credit Card to obtain Purchases and Cash\nAdvances. The annual fee shall be charged to your Account each year in the month of our choice. The annual fee is not\nrefundable in the event of termination of the Account by either you or us unless otherwise provided for by law.\n4. Our Right to Cancel Your Account. We can cancel your Account at any time, or reduce the amount of your credit line, without\nnotice to you, except in those situations where notice is required by law. If we cancel your Account, you agree to destroy all\nCredit Cards issued on your Account by cutting them in half and returning them to us. You will continue to be responsible for full\npayment of the balance on your Account and all charges to your Account, including those not yet received by us, as well as\nsubsequent interest and other charges. Each Credit Card is our property, and you agree that the Credit Cards are not\ntransferable and to surrender any Credit Card upon demand.\n5. Credit Limit. You shall not use the Credit Card or permit the use of Related Credit Cards to obtain Purchases or Cash Advances\nwhich will increase your indebtedness to us to an amount in excess of the limit established by us.\n6. Credit Card Acceptance. All Purchases and Cash Advances are subject to the approval of the Seller and Cash Advancing Bank,\nrespectively, and we shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Credit Card or any\nRelated Credit Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to us,\nwhich shall be shown as a credit on your Account statement with us.\n7. Statements. We will send to you, at monthly intervals determined by us, a statement reflecting for the prior monthly period all\nCredit Card and Related Credit Card transactions. Such statement shall be deemed correct and accepted by you and all holders\nof Related Credit Cards unless we are notified to the contrary in writing within 60 days of mailing of such statement. You will pay\nsuch statement by remitting to us within 25 days of the closing date reflected on the statement either the full amount billed or, at\nyour option, an installment equal to at least the required minimum payment stated above.\n8. Interest. Interest on Balance Transfers, Cash Advances and Purchases will be charged in accordance with the calculation\nmethod referred to in the Pricing Agreement. The rate of interest shall be established by us from time to time, but shall never\nexceed the maximum rate permitted by law.\n9. Default, Acceleration and Security. You will be in default, and we may, without notifying you, temporarily suspend your credit,\nclose your Account, cancel all Credit Cards issued on it and require immediate payment of your entire balance if any of the\nfollowing occurs:\na. You fail to make a payment when it is due.\nb. You do not follow the terms of this Agreement in any way.\nc. You have made a false or misleading statement on the application for your Account.\nd. You fail to pay any other loan you owe us.\ne. You become insolvent or die.\nf. There is an attachment, execution or levy against your property or you make an assignment for the benefit of creditors.\ng. A bankruptcy is filed by or against you or your spouse.\nh. A guardian, conservator, receiver, custodian or trustee is appointed for you.\ni. You are generally not paying your debts as they become due.\nj. There has been a material adverse change in your financial standing.\n\nYou agree to pay all costs incurred by us in collecting our indebtedness or in enforcing this Cardholder Agreement, including\nreasonable attorney\xe2\x80\x99s and paralegal fees and also those costs, expenses and attorney\xe2\x80\x99s and paralegal fees incurred in\nappellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.\n10. Closing Your Account. You may close your Account at any time. If you close your Account, in order to avoid the accrual of\ninterest and other fees, you must immediately pay everything you owe us, including any amounts owed but not yet billed. If you\ndo not pay, the Account will continue to accrue interest and other fees, and will remain subject to all the terms and conditions of\nthis Cardholder Agreement. Upon closing the Account, you also agree to destroy all Credit Card(s) and any unused\nConvenience Checks. If you close your Account, Credit Cards or Convenience Checks may not be used.\n11. Change in Terms of Your Account. We can change any terms of your Account at any time. We will provide you with such notice\nas is required by law by mailing a notice to you at the latest address shown in our records.\n12. Notification of Changes. You agree to notify us within 20 days of any change in name, mailing address, telephone number or\nplace of employment.\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0c13. Governing Law. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this Cardholder\nAgreement and all matters arising out of the issuance and use of the Credit Card and your Account shall be governed by and\ninterpreted in accordance with the laws of the State of Montana regardless of where you may reside or use your Account.\n14. Liability for Unauthorized Credit Card Use/Lost or Stolen Credit Card. If you notice the loss or theft of your Credit Card or\npossible unauthorized use of your Credit Card, you should write to us immediately at:\n\nFirst Interstate Bank\nPayment Services\nP.O. Box 30918\nBillings, MT 59116-0918\nOr call us at (866) 839-3485\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for any unauthorized\nuse that occurs before your notice to us. In any case, your liability will not exceed $50.00.\nYou agree to notify us immediately if your Credit Card is ever lost or stolen or if any unauthorized use may have occurred. You\nagree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible\nunauthorized use of your Credit Card and to comply with such procedures as we may require in connection with our\ninvestigation, including assisting in the prosecution of any unauthorized user.\n15. Telephone Monitoring. You agree that we and our agents or service companies may monitor and/or record any telephone\ncommunications with you or any cardholder.\n16. Payments must be made to us in U.S. Dollars drawn on a U.S. bank. Subject to applicable law, payments may be applied to\nwhat you owe us in any manner we choose in our sole discretion. We may accept checks marked "Payment in Full" or with\nwords of similar effect without losing any of our rights to collect the full balance of our Account.\n17. Reevaluation of Credit. We can reinvestigate and reevaluate any information you provided on your credit application at any time,\nand in the course of doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify\nyour current credit standing. You also acknowledge that we may periodically evaluate your creditworthiness utilizing a credit\nscoring process. The results of these investigations and evaluations could lead to a reduction or termination of your credit limit,\nchanges in the APR applicable to your Account, or changes in other terms of your Account. As required by law, you will be\nnotified of these changes.\n18. Release of Information. You agree that we may release information to others, such as credit bureaus, regarding the status and\nhistory of your Account. However, we are not obligated to release any such information to anyone unless we are required by law\nto do so.\n19. Prohibited Transactions. You shall not use the Credit Card for any illegal transaction. In addition, Federal Law, the Unlawful\nInternet Gambling Enforcement Act of 2006 prohibits commercial customers from conducting transactions related to illegal\nInternet gambling. As our credit card customer you agree to notify us if your Account is ever used for Internet gambling, even if\nyou believe the activity to be legal. If you do not, we may close your Account.\n20. If, for any reason, we do not make use of any of our rights under this Cardholder Agreement on a particular occasion, that will\nnot limit our rights in the future in any way.\n21. Mastercard\xc2\xae Rules and Regulations. You agree that your Account shall be subject to all applicable rules and regulations of\nMastercard\xc2\xae Worldwide, as applicable, as well as all applicable laws. If there is any conflict between the provisions of this\nCardholder Agreement and the rules and regulations of Mastercard\xc2\xae Worldwide, the rules and regulations of Mastercard\xc2\xae\nWorldwide shall control.\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Interstate Bank\nPayment Services\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0cPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your Credit Card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFirst Interstate Bank\nPayment Services\nPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nImportant Notice \xe2\x80\x93 Please Read Carefully\nWe may report information about your account to\ncredit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your\ncredit report.\nPlease contact Payment Services with any questions\nabout this notice at 1-888-833-3454.\n\nPlatinum Mastercard\xc2\xae Intro (Tier B) 0921 11PNSMR\n\n\x0cFACT ACT NOTICE\n\nYour Credit Report and the Price You Pay for Credit\n\nWhat is a credit report?\n\nA credit report is a record of your credit history. It includes information\nabout whether you pay your bills on time and how much you owe to creditors.\n\nHow did we use your credit\nreport?\n\nWe used information from your credit report to set the terms of the credit we\nare offering you, such as the Annual Percentage Rate.\nThe terms offered to you may be less favorable than the terms offered to\nconsumers who have better credit histories.\n\nWhat if there are mistakes in\nyour credit report?\n\nYou have a right to dispute any inaccurate information in your credit report.\nIf you find mistakes on your credit report, contact Equifax, which is the\nconsumer reporting agency from which we obtained your credit report.\nIt is a good idea to check your credit report to make sure the information it\ncontains is accurate.\n\nHow can you obtain a copy of\nyour credit report?\n\nHow can you get more\ninformation about credit\nreports?\n\nUnder federal law, you have the right to obtain a copy of your credit report\nwithout charge for 60 days after you receive this notice. To obtain your free\nreport, contact Equifax:\nBy telephone:\n\nCall toll-free: 1-800-685-1111\n\nBy mail:\n\nMail your written request to:\nPO Box 740241\nAtlanta, GA 30374\n\nOn the web:\n\nVisit www.equifax.com/fcra/\n\nFor more information about credit reports and your rights under federal law,\nvisit the Consumer Financial Protection Bureau\'s web site at\nwww.consumerfinance.gov/learnmore\n\n\x0cDepartment of Defense Credit Card Disclosure\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or\nher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products\nsold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account).\nPayment obligation for a consumer credit card is as follows:\nThe minimum payment required is the New Balance shown on the statement if the amount is equal to or less than\n$20.00. If the New Balance shown on the statement exceeds $20.00, the minimum payment is 3.00% of that\nportion of the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00,\nwhichever is greater, plus the entire potion of the New Balance in excess of your credit limit, plus any amount past\ndue.\nPlease call (888) 833-3445 to have this Disclosure provided to you orally.\n\n\x0c\x0c\x0cCONVENIENCE BENEFITS\nLocal Customer Service\n\nReceive the service you\xe2\x80\x99ve come to expect with First Interstate Bank. Stop by your local\nbranch or call our Billings-based customer service center to make a payment or to ask\nquestions regarding your account. We work together to provide the quality service you\ndeserve. To take advantage of our local customer service call 1-888-833-3454 or simply\nemail us at creditcards@fib.com.\n\neZCardInfo.com\n\nStay in touch with your credit card account 24 hours a day, seven days a week.\neZCardInfo provides you with information and services that make your credit card easier\nto manage than ever before.\nWith the click of a mouse, view important information about your account including\nbalances, available credit, current and past statements and transaction information since\nyour last statement. You can also make your life simpler by signing up for electronic\nstatements or paying your bill online. Visit www.eZCardInfo.com to get started!\n\nDon\xe2\x80\x99t want to remember another password? IBank customers can access their account\n\nSECURITY BENEFITS\nZero Liability\n\nHave peace of mind knowing that First Interstate Bank won\xe2\x80\x99t hold you responsible for\n\xe2\x80\x9cunauthorized purchases\xe2\x80\x9d on your Mastercard. Zero liability applies to purchases made in\nthe store, over the telephone or online. Call toll free at 1-888-833-3454.\n\nMastercard\xc2\xae Global Service\n\nGet emergency assistance virtually anytime, anywhere, and in any language. Mastercard\nGlobal Service helps you report a Lost or Stolen Card, obtain an Emergency Card\nReplacement or Cash Advance, find an ATM location, and answer questions regarding your\naccount. Call toll free at 1-800-MASTERCARD.\n\n24-Hour Cardholder Assistance\n\nReceive call center support 24/7 that can help you with account information, card\nactivation or reporting your card lost or stolen. Contact 1-888-833-3454.\n\nMastercard\xc2\xae SecureCode\n\nSecureCode helps ensure that only you can use your Mastercard\xc2\xae when shopping online.\nUsing a private code tied specifically to your Mastercard account, SecureCode helps\nprevent unauthorized purchases. For more details visit www.Mastercard.us/securecode.\n\nFraud Alert Management\n\nSecurity is a top priority at First Interstate Bank that\xe2\x80\x99s why we utilize a Fraud Alert\nManagement detection system which continuously monitors your First Interstate Bank\nMastercard activity to help identify and prevent fraudulent transactions on your account.\nIf suspicious charges or transactions outside of your normal spending patterns appear on\nyour card, you may receive an automated phone call from Fraud Alert Management on\nbehalf of First Interstate Bank to verify the activity on your account. If the Automated Call\nSystem cannot reach you, a temporary block may be placed on your card until you validate\nthe transaction/activity in question.\nFor Fraud Alert Management support within the US call 1-800-437-9392. If you\xe2\x80\x99re traveling\nor reside outside Canada or the US, you may obtain Fraud Alert Management support by\ncalling collect at 1-727-227-2447.\n\n\x0cSECURITY BENEFITS (CONTINUED)\nIdentity Theft Resolution\nServices\n\nThis benefit can assist you with the process of restoring your identity . Services include:\n\xef\x82\xb7 24/7 access to certified resolution specialists who are experts in their field, and know\nhow to help you restore your identity. They can assist with filing police reports, providing\na cash advance, executing message relay, and facilitating emergency travel\narrangements,\n\xef\x82\xb7 Notification to all three major credit reporting agencies to place blocks on your\nrecords and obtain free credit reports,\n\xef\x82\xb7 Assistance with completing paperwork to alert various parties of the potential fraud,\n\xef\x82\xb7 Assistance with cancellation of all lost cards in wallet,\n\xef\x82\xb7 Provide information to assist with card replacement,\n\xef\x82\xb7 Education about how Identity Theft can occur and protective measures to avoid further\noccurrences, and\n\xef\x82\xb7 Follow-ups throughout the process to help ensure progress is being made in\nrestoring your identity.\nContact 1-800-MASTERCARD for more information.*\n\nTRAVEL BENEFITS\nTravel Accident Insurance\n\nTravel more safely with Travel Accident Insurance. As an eligible cardholder, you and your\ndependents are covered automatically with travel accident insurance when the entire\ntravel fare is charged to your eligible Mastercard account while this insurance is effective.\nFor more details, please write to the Plan Administrator:\nFinancial Institution Marketing Group\nP.O. Box 31065\nTampa, FL 33631-3065\n\n* Certain terms, conditions and exclusions apply. Visit www.mycardbenefits.com for complete program details.\n\n\x0cACH AUTO PAYMENT AGREEMENT\nI (we) hereby authorize First Interstate Bank to initiate withdrawals from the account indicated below to pay on\ncredit card account number #\n.\nI (we) agree that your rights in respect to each withdrawal shall be the same as if it were a check drawn on my (our) account and\npersonally signed by either of us and that you shall be fully protected in honoring such a withdrawal. I (we) further agree that if any\nsuch withdrawal is dishonored with cause, First Interstate Bank shall be under no liability whatsoever if such dishonor results in late\ncharges or revocation of my (our) card. If funds are not available, this agreement is null and void immediately.\n\nCARDHOLDER NAME\nCITY\n\nSTATE\n\nZIP\n\nTRANSIT/ABA NO. __ __ __ __ __ __ __ __ __ Checking \xef\x81\xa3 Savings \xef\x81\xa3\n\nACCOUNT #\n\n(The first 9 numbers from the left at the bottom of your check are your Bank Routing Number.)\n\nIndicate the date each month the payment will be applied to the credit card account:*\n(Payment date cannot be between the 6th and 10th of the month.) If blank or if you have Special Billing\nOptions** payment date will default to the due date.\n\n*If payment falls on a weekend or holiday the payment applies on the following business day.\n**Special Billing Options are available for Business Customers only. Contact Payment Services for more information.\n\nThe amount of payment for my (our) credit card to be deducted monthly is (check one):\n\xef\x81\xa3 The minimum required payment amount or percentage as disclosed in the cardholder agreement,\n\n$20.00 dollars or 3%, whichever is greater.\n\n\xef\x81\xa3 The total unpaid balance of the account as of statement date.\n\xef\x81\xa3 Business customers only: The total balance due as of the statement cycle (credits received after\n\nstatement cycle will not lower the amount of payment applied. Credits will apply to the next month\xe2\x80\x99s\nbalance).\n\n\xef\x81\xa3 A fixed dollar amount which is greater than the minimum required payment but less than the full unpaid\n\nbalance. The fixed dollar amount to be withdrawn monthly is $ _______.____. Write out dollar amount.\n___________________________________dollars.\n\n\xef\x81\xa3 A fixed percentage of the balance which is greater than the minimum required payment but less than\n\nthe full unpaid balance. The fixed percentage of the unpaid balance to be withdrawn monthly is\n_________%. Write out percentage amount. _______________________________percentage.\n\nThis authority is to remain in full force and effect until I (we) provide First Interstate Bank requesting that a\nchange be made or termination of this agreement. Notification to change or terminate must be received 30 days\nprior to the date you would like the change or termination to take place.\nI (we) understand and agree that in order for First Interstate Bank to make payments requested in this authorization form,\nI (we) must have the payment amount available in my (our) account. I (we) further understand and agree that First\nInterstate Bank shall not be responsible for any act or failure to act on their part, except in the case of gross negligence or\nwillful misconduct. Furthermore, I (we) agree to hold First Interstate Bank harmless from any claims, liabilities, attorney\xe2\x80\x99s\nfees and other costs and expenses of any and every kind and nature which may be incurred by them by reason of their\nperformance under this Authorization Form.\n\nIn addition, I understand that it may take up to 30 days from the date this agreement is received for the\nACH transfers to take effect. I agree I am responsible for any payments during this time frame.\nCustomer Signature\n\nDate\n\nIf you have any questions, please call (888) 833-5434. Fax form to 406-255-5432, or scan and email to\ncreditcards@fib.com.\n\n\x0cSave Money on Higher Interest Credit Cards\nYes! I want to save money by transferring my higher interest rate credit card(s) to my First\nInterstate credit card. Please refer to the account terms and conditions for balance transfer\nrate and fee information.\n\nName: ___________________________ Phone: _________________________________\nAddress:__________________________City______________State______Zip__________\nFirst Interstate Credit Card Number # __ __ __ __ - __ __ __ __ - __ __ __ __ - __ __ __ __\nSignature: _______________________________________________________________\n\nCard Issuer #1 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #2 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #3 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nUpon approval, it may take up to three weeks to post the balance transfer transaction. This means\nyou may need to make a payment to your current account to avoid late payment fees.\nReturn this balance transfer form to your local branch or mail to:\nFirst Interstate Bank\nCredit Card Division\nP.O. Box 30918\nBillings, MT 59116-0918\n\n\x0c'