b'Credit Card - Variable Rate Line of Credit Agreement - Pricing Information\nThere are two parts to this Credit Card Agreement: Dollar Bank Pricing Information and the Dollar Bank Customer Agreement.\n\nPricing Information\nAnnual Percentage Rate (APR)\nfor Purchases\n\n0.00% APR introductory rate for the first 6 months. After that, your APR will be 12.24%.\n\nAPR for Balance Transfers\n\n0.00%. APR introductory rate for the first 6 months. After that, your APR will be 12.24%. This APR will vary with the market\nbased on the Prime Rate.\n\nAPR for Cash Advances\n\n14.24%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you\npay your entire balance by the due date each month.\n\nMinimum Finance Charge\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at: https://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $5.00 or 1% of the amount of the transfer, whichever is greater, for the first 6 months. Then $5.00 or 3% of the transfer,\nwhichever is greater. Maximum fee is $150.00.\nEither $5.00 or 3% of the cash advance, whichever is greater.\n3% of the $US value of each transaction. $0.50 minimum.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $35.00\nUp to $35.00\n\nInformation is current as of June 1, 2021 and may change thereafter. For details, call 1-800-447-2823. For active duty service members and their dependents,\nplease see item 24 of this agreement for the Military Lending Act disclosures.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See your account agreement for more details.\nLoss of Introductory APR: We may end your introductory APR if your payment is more than 30 days past due. Your regular rate will then apply.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n\n\x0cDollar Bank Customer Agreement\nThis Agreement and Disclosure Statement contains the terms and conditions which apply to my line of credit plan (the \xe2\x80\x9cPlan\xe2\x80\x9d) with Dollar Bank, Federal Savings Bank.\n1. Meaning of Certain Words. The words \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d and \xe2\x80\x9cmy,\xe2\x80\x9d which also mean \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d if more than one customer, mean the person or persons who use or authorize the use of\nthe Credit Card or sign an application for a credit card. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean Dollar Bank, Federal Savings Bank. \xe2\x80\x9cCredit Card\xe2\x80\x9d means the Mastercard cards issued\nin my name for use with my Account. \xe2\x80\x9cAccount\xe2\x80\x9d means the account on your books that records the Purchases I make, the Balance Transfers I make and the Cash Advances I get from\nyou pursuant to, and also all FINANCE CHARGES and other charges and fees you impose from time to time under the Plan. \xe2\x80\x9cAdvance\xe2\x80\x9d means any extension of credit I obtain under\nthe Plan, whether in the form of a Purchase, a Balance Transfer or a Cash Advance. \xe2\x80\x9cPurchase\xe2\x80\x9d means a purchase of goods or services that I charge to my Account pursuant to the Plan.\n\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a transfer of money I owe to another credit card company to my Dollar Bank Credit Card Account. \xe2\x80\x9cCash Advance\xe2\x80\x9d means any extension of credit I obtain under\nthe Plan which is not a Purchase or Balance Transfer. \xe2\x80\x9cCredit Access Checks\xe2\x80\x9d means special checks drawn on my Account which are available only if I request them.\n2. Use of Credit Card Plan. My use of the Account or Credit Card means that I accept this Agreement. The Plan permits me to make Purchases from merchants, make Balance Transfers\nand obtain Cash Advances. I may make Purchases by presenting the Credit Card to a merchant and signing a sales slip or by providing my Account number and other appropriate\ninformation to a merchant. I may make a Balance Transfer by using Credit Access Checks. I may obtain Cash Advances by using Credit Access Checks or by using the Credit Card at\nfinancial institutions or automated teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) that accept the credit card. If the Credit Card is used at a financial institution, I must sign a Cash Advance request. If the Credit\nCard is used at an ATM, I must use my Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) and instructions via the ATM will be the same as a written Cash Advance request bearing my signature. All\nadvances under the Plan which are paid or advanced by you are loans to me. I will not use my Credit Card, make a Balance Transfer or write a Credit Access Check to obtain loans in\nexcess of the Available Credit (the difference between the Outstanding Balance and the Limit, as defined below) on my Account.\n3. Ownership. The Credit Card remains your property and may be cancelled by you at any time without notice. I agree to surrender the Credit Card and all other access devices and to\ndiscontinue use of the Plan by any other means immediately upon your request.\n4. Maximum Credit Limit. You will provide me with notice of the total dollar amount against which I may obtain Advances under the Plan (the \xe2\x80\x9cLimit\xe2\x80\x9d). I agree that you may reduce the\nLimit at any time upon notice to me. I agree never to allow the total balance that I owe you from time to time, including the principal balance and accrued FINANCE CHARGES and other\ncharges and fees imposed under the Plan (the \xe2\x80\x9cOutstanding Balance\xe2\x80\x9d) to exceed the Limit. I also agree that you are not obliged to, but may in your sole discretion, extend credit to me\nfor an amount that would make the Outstanding Balance exceed the Limit, or for any amount if the Outstanding Balance is already over the Limit. I shall pay any amounts which exceed\nmy Limit upon demand.\n5. You Agree. Subject to my promise not to let my Outstanding Balance exceed my Limit: you agree (1) to pay the merchant for all properly drawn sales slips which bear the imprint of the\nCredit Card and are signed by me or which are otherwise authorized; and (2) to honor properly drawn Credit Access Checks and requests for Cash Advances which bear the imprint of\nthe Credit Card and are signed by me or which include my PIN; and (3) to execute Balance Transfers in a timely manner regardless of the method I choose to enable this option.\n6. I Agree. I agree (1) to pay you for all Advances, fees and charges, if any, and FINANCE CHARGES on my Account, in U.S. Dollars according to the terms and conditions of this\nAgreement; (2) to provide you with such credit information as you may request from time to time; (3) to notify you in writing if a Periodic Statement (as defined below) is incorrect within\n60 days of the date it is mailed, and that my failure to do so means the statement is correct and accepted by me; (4) to pay, as permitted to be charged under applicable law, costs and\nexpenses (including reasonable attorney fees) incurred by you in any collections proceedings initiated to collect amounts owed to you by me; (5) to notify you of any lost or stolen Credit\nCards or Credit Access Checks; and (6) not to permit anyone other than myself to use the Credit Card, Credit Access Checks or any other feature of the Credit Card Plan.\n7. Periodic Statement. If there is any activity on my Account or there is an Outstanding Balance on my Account, you agree to send me a Periodic Statement showing the amount of all\nCash Advances, Purchases, Balance Transfers, FINANCE CHARGES and other charges or fees, and payments and credit posted to my Account during the billing cycle (the \xe2\x80\x9cPeriodic\nStatement\xe2\x80\x9d). The Periodic Statement will also show me the total amount due as of the end of the billing cycle (the \xe2\x80\x9cNew Balance\xe2\x80\x9d), the average daily balances of my Purchases, Balance\nTransfers and Cash Advances, the minimum monthly payment amount (the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d) and the due date for the receipt of the Minimum Payment (the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d).\n8. Finance Charge. I also agree to pay a FINANCE CHARGE on my Account which you will impose as follows:\na. Periodic FINANCE CHARGE\nThe periodic FINANCE CHARGE will not be imposed on Purchases and Balance Transfers on my current Periodic Statement if I pay the total New Balance shown on my current\nPeriodic Statement by the Payment Due Date. Otherwise, the periodic FINANCE CHARGE will be imposed on the Purchases, Balance Transfers and Cash Advances from the\ntransaction date of the Purchase, Balance Transfer or Cash Advance except as described below:\n(1) Minimum Periodic FINANCE CHARGE\nIf periodic FINANCE CHARGES on Purchases or Balance Transfers are imposed for the current billing cycle, a minimum Periodic Finance Charge of $.50 on\nPurchases or Balance Transfers will be imposed for any such billing cycle in which periodic FINANCE CHARGE of less than $.50 on Purchases or Balance Transfers\nwould otherwise be imposed.\n(2) Partial Grace Period for Periodic FINANCE CHARGES\nIf during the previous billing cycle, my New Balance was paid in full by the Payment Due Date, then in the current billing cycle you will provide a grace period on the\namount of the Purchase or Balance Transfer balance remaining from the previous billing cycle that is paid by the Payment Due Date for the current billing cycle based\non how payments are applied to my Account.\n(3) You will compute the periodic FINANCE CHARGE for the current billing cycle as follows:\n(A) Purchases\nPeriodic FINANCE CHARGES on Purchases are imposed for the current billing cycle unless I paid, by the Payment Due Date, the total New Balance shown on\nmy Periodic Statement. You figure the interest charge for Purchases on my Account by applying the periodic rate for Purchases to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for\nPurchases. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d you take the beginning balance of my Account each day for Purchases, add any new Purchases and subtract any\nunpaid interest or other finance charges and any payments or credits. This gives you the daily balance for Purchases. Then, you add up all of the daily balances\nfor the billing cycle and divide the total by the number of days in the billing cycle. This gives you the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for Purchases. I understand that\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d of current billing cycle Purchases will be multiplied by the number of days in the billing cycle and then by the daily periodic rate to\ndetermine the periodic FINANCE CHARGES on Purchase balances for the current billing cycle.\n(B) Balance Transfers\nPeriodic FINANCE CHARGES on Balance Transfers are imposed for the current billing cycle unless I paid, by the Payment Due Date, the total New Balance\nshown on my Periodic Statement. You figure the interest charge for Balance Transfers on my Account by applying the periodic rate for Balance Transfers to the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for Balance Transfers. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d you take the beginning balance of my Account each day for Balance Transfers,\nadd any new Balance Transfers and subtract any unpaid interest or other finance charges and any payments or credits. This gives you the daily balance for\nBalance Transfers. Then, you add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives you\nthe \xe2\x80\x9caverage daily balance\xe2\x80\x9d for Balance Transfers. I understand that the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of current billing cycle Balance Transfers will be multiplied by\nthe number of days in the billing cycle and then by the daily periodic rate to determine the periodic FINANCE CHARGES on Balance Transfer balances for the\ncurrent billing cycle.\n(C) Cash Advances\nPeriodic FINANCE CHARGES are imposed on Cash Advances for the current billing cycle. You figure the interest charge for Cash Advances on my Account\nby applying the periodic rate for Cash Advances to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for Cash Advances. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d you take the beginning\n\n\x0c(4)\n\nbalance of my Account each day for Cash Advances, add any new Cash Advances and subtract any unpaid interest or other finance charges and any payments\nor credits. This gives you the daily balance for Cash Advances. Then, you add up all of the daily balances for the billing cycle and divide the total by the number\nof days in the billing cycle. This gives you the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for Cash Advances. I understand that the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of current billing cycle\nCash Advances will be multiplied by the number of days in the billing cycle and then by the daily periodic rate to determine the periodic FINANCE CHARGES\non Cash Advances.\nPeriodic FINANCE CHARGES will be figured by applying a variable daily periodic rate (determined according to the chart below and the Variable Rate Disclosures as\nset forth below) to the \xe2\x80\x9caverage daily balances\xe2\x80\x9d of Purchases, Balance Transfers and Cash Advances as explained above.\nANNUAL PERCENTAGE\nRATE*\n\nDAILY PERIODIC\nRATE*\n\nYOU WILL APPLY A DAILY PERIODIC RATE AS FOLLOWS:\nIntroductory Rates:\nPurchases\nBalance Transfers\n\n0.00% (f)\t\t\n0.00% (f)\n\nRegular Rates:\nPurchases\n12.24% (v)\n\t\t\t\n(WSJ Prime + 8.99%)\nBalance Transfers\n12.24% (v)\n\t\t\t\n(WSJ Prime + 8.99%)\nCash Advances\n14.24% (v)\n\t\t\t\n(WSJ Prime + 10.99%)\n\n0.00%\n0.00%\n0.0335%\n0.0335%\n0.0390%\n\n* Listed rates are calculated based on the WSJ Prime Rate (described later) as of\nJune 1, 2021 and may change thereafter. For current rate calculations\ncall 1-800-447-2823.\n(f) \xe2\x80\x93 fixed\n(v) \xe2\x80\x93 variable\n\nThe daily periodic rate for the billing cycle is 1/365th of the corresponding ANNUAL PERCENTAGE RATE in effect for the billing cycle except in a leap year in which\ncase the daily periodic rate for the billing cycle is 1/366th of the corresponding ANNUAL PERCENTAGE RATE in effect for the billing cycle. The corresponding ANNUAL\nPERCENTAGE RATE may change (increase or decrease) monthly based on changes in the WSJ Prime Rate, as described in the Variable Rate Disclosures below.\nb. Transaction FINANCE CHARGE\n(1) For Balance Transfers\nFor Balance Transfers obtained by using Credit Access Checks or by any other means which you may provide to me, the Transaction FINANCE CHARGE is 1% of the\namount of each such Balance Transfer during the Introductory Period, after which the amount of each transfer is 3% of each Transfer. In either case, the minimum fee is\n$5.00 and the maximum fee is $150.00.\n(2) For Cash Advances\nFor Cash Advances obtained by using the Credit Card at financial institutions that accept the Credit Card, by using Credit Access Checks or by using the Credit Card at\nautomated teller machines or similar machines that accept the Credit Card, the Transaction FINANCE CHARGE is 3% of the amount for each such Cash Advance, with a\n$5.00 minimum fee for each such Cash Advance.\n9. Variable Rate Disclosures. Minimum and Maximum APR.\na. I understand that the daily periodic rate and the corresponding ANNUAL PERCENTAGE RATE are variable rates that may change (increase or decrease) from time to time based\non movements of the WSJ Prime Rate. The \xe2\x80\x9cWSJ Prime Rate\xe2\x80\x9d means the Prime Rate (the highest of multiple Prime Rates) published in the \xe2\x80\x9cMONEY RATES\xe2\x80\x9d column of The Wall\nStreet Journal. The WSJ Prime Rate is not represented or intended to be the lowest or most favorable rate of interest offered to your customers. Any change in the corresponding\nANNUAL PERCENTAGE RATE based on a change in the WSJ Prime Rate will take effect on the first day of the billing cycle following a change in the WSJ Prime Rate in effect\non the 10th day of the prior calendar month. If the 10th falls on a day when The Wall Street Journal is not published, the WSJ Prime Rate will be the Prime Rate published the\nlast date prior to the 10th. For example, a change in the WSJ Prime Rate of one percentage point on the 10th day of any calendar month (or the last publication date prior to the\n10th) will result in a one percentage point change in the same direction in the corresponding ANNUAL PERCENTAGE RATE throughout the next billing cycle. Any change in the\ncorresponding ANNUAL PERCENTAGE RATE will apply to new Advances and to existing Account Balances on my Account. I also understand that the daily periodic rate will\nalways be 1/365 of the corresponding ANNUAL PERCENTAGE RATE. For example, if (1) my initial corresponding ANNUAL PERCENTAGE RATE has been the WSJ Prime Rate\n+ 8.99%; (2) the prior WSJ Prime Rate had been 4.00% but increased to 5.00% as of December 10, 2021, and my next billing cycle started on January 1, 2022, the corresponding\nANNUAL PERCENTAGE RATE would be 13.99%, and the daily periodic rate would be 0.0383% throughout my January 1 billing cycle.\nb. I understand that the corresponding ANNUAL PERCENTAGE RATE will not fall below 0.00% or exceed the maximum rate authorized from time to time by applicable Pennsylvania\nor federal law. Further, I know that an increase in the corresponding ANNUAL PERCENTAGE RATE will result in an increase in the amount of periodic FINANCE CHARGE, the\nMinimum Payment and the Outstanding Balance.\nc. You may offer a special introductory ANNUAL PERCENTAGE RATE. If you do, it will be disclosed as the Introductory corresponding ANNUAL PERCENTAGE RATE (together\nwith the introductory daily periodic rate) and will apply to my Account for 6 months after my Account opening. The initial daily periodic rate and the corresponding ANNUAL\nPERCENTAGE RATE that would have been in effect were it not for the introductory rate would be disclosed as the Regular Rate. The introductory rate will apply to Purchases\nand Balance Transfers. It will not apply to Cash Advances.\n10. Credit Life Insurance. If I request it, you will obtain and finance the purchase of credit life insurance on my life if I am under the age of 66 in PA, OH and NC and if I am under the age\nof 70 in VA, payable to you in an amount equal to the Outstanding Balance from time to time subject, however, to any maximum limitations established by the insurer in the applicable\ncertification or policy. If more than one person signs an application for a Credit Card, I understand that only one of the persons can be covered and that person to whom the coverage is\napplicable must sign the credit life insurance request section of the application for a Credit Card. This coverage will end when the insured person reaches 66 years of age in PA, OH and\nNC and 70 years of age in VA. For coverage of the insured person, you will impose a charge each month. The amount of the charge may be updated periodically. The \xe2\x80\x9cLife Insurance\nBalance\xe2\x80\x9d is the total amount due as of the end of the billing cycle. I understand that I do not need to take out any credit insurance to obtain my Credit Card or open my Account, and I\nmay cancel any credit insurance at any time by notifying you in writing. If I choose Credit Life Insurance, the current rates are 70\xc2\xa2 per month in Pennsylvania, 62\xc2\xa2 per month in Ohio,\n62\xc2\xa2 per month in Virginia and 68\xc2\xa2 per month in North Carolina per one thousand dollars of the Life Insurance Balance. I understand that these rates are subject to change without notice\nand may increase after my Account is opened.\n11. Payments. I must mail all payments due under the Plan to the address you furnish me from time to time. I can pay my Outstanding Balance in full at any time. Since the Periodic\nFINANCE CHARGE is computed by application of daily rate to the \xe2\x80\x9caverage daily balances\xe2\x80\x9d of Purchases, Balance Transfers and Cash Advances, as explained above, the exact amount\nrequired to pay the Account in full cannot be determined from my Periodic Statement. Thus, whenever I wish to pay my Outstanding Balance in full, I must contact you to determine the\nOutstanding Balance.\n\n\x0c12. Minimum Payment. I may pay either the entire Outstanding Balance or less than the total amount due unless the entire Outstanding Balance has become due as provided in paragraph\n17 below; however, I must pay a Minimum Payment each month without fail. If the New Balance on my Periodic Statement is $10.00 or less, the Minimum Payment is the New Balance.\nOtherwise, the Minimum Payment is computed by multiplying the New Balance by 2.00%. If my Account is past due, the Minimum Payment will also include the past due amount. I agree\nthat you may change the method of figuring the Minimum Payment from time to time upon 45 days prior notice to me. As explained in paragraph 8 above, the periodic FINANCE CHARGE\nis imposed by application of a daily periodic rate to the \xe2\x80\x9caverage daily balances\xe2\x80\x9d of Purchases, Balance Transfers and Cash Advances.\n13. Fees.\na. Late Payment Fee.\nMy Minimum Payment will be past due if it is not received by you on or before the Payment Due Date shown on the applicable Periodic Statement. A late fee will be charged to\nmy Account if at least the Minimum Payment (which includes any past due amount) is not received by you within Three (3) days after the Payment Due Date in any month. The\nlate fee shall be equal to $25 for the first late fee in any six consecutive billing cycles and $35 for any additional late payment during the same six consecutive billing cycles.\nHowever, in no event shall the late fee be greater than the Minimum Payment due prior to the charging of the late fee. You agree that you will not charge a late fee for the same\nevent or transaction in which you charge a returned check payment fee.\nb. Returned Payment Check Fee.\nIf I make payment by check and the check is returned unpaid for any reason, my Account will be charged a returned check payment fee. The returned payment check fee shall\nbe equal to $25 for the first late fee in any six consecutive billing cycles and $35 for any additional returned check during the same six consecutive billing cycles. However, in\nno event shall the returned payment check fee be greater than the Minimum Payment due prior to the date on which the check is returned. You agree that you will not charge a\nreturned check payment fee for the same event or transaction in which you charge a late fee.\nc. Stop Payment Fee.\nA $10 fee will be charged to my Account if I request that you place a stop payment on a Credit Access Check.\nd. Check Printing Fees.\nMy Credit Access Checks are free.\ne. Copy Fees.\nIf I request a copy of a Periodic Statement, a charge slip or other document not in connection with a billing error, you will charge my Account as follows:\n(1) $3 for each copy of a Periodic Statement other than the Periodic Statement for the current billing cycle or the two preceding billing cycles; and\n(2) $2 for each copy of a charge slip or other document.\nf. Foreign Exchange Fee.\nA 3% fee, with a minimum of $0.50, will be charged to my Account for each Advance involving currency other than U.S. Dollars. The amount of any such Advance will be converted\ninto U.S. Dollars. The exchange rate used to convert foreign currency into U.S. Dollars for any such Advance will be selected by Mastercard from the range of exchange rates\navailable in the wholesale currency markets or the applicable government-mandated exchange rate. The 3% fee will be charged to my Account based on the U.S. Dollar amount\nof the Advance.\ng. Lost Card Fee.\nYou reserve the right to charge me a fee of $10.00 for replacement of lost cards.\n14. Credit Access Checks. Credit Access Checks are available upon request after the initial supply. You reserve the right to review and deny any requests for Credit Access Checks due\nto unsatisfactory Account status.\n15. Application of Payments. Payments you receive from me will be applied as follows: (1) you will apply payments first to interest and then to credit life charges, if applicable (2) you\nwill then apply payments to fees that are not late charges; (3) you will then apply payments to balances with the highest APR and then to balances in descending order based on APR\n(highest to lowest) treating late fees as purchases.\n16. Events of Default. I will be in default under this Agreement if any of the following events or circumstances occurs: (a) if I fail to comply with the Minimum Payment or any other terms,\ncovenants or conditions of this Agreement, or of any other agreement I have with you; (b) if I made a material false or misleading statement in my credit application; (c) if I exceed my\nLimit; (d) if I die or become insolvent; (e) if a petition is filed or other proceedings are started under the Federal Bankruptcy Code of any state insolvency statute by or against me; (f) if\na judgement or tax lien is filed against me; (g) if a Receiver is appointed for me; or (h) if a writ or order of attachment, levy or garnishment is issued or any proceeding is started against\nme or any of my property, assets or income.\n17. Entire Balance Due. If any of the above events or circumstances of defaults occurs, your obligation to make further Advances to me shall, at your option and without prior notice to me,\nimmediately end and my entire Outstanding Balance shall, at your option, become immediately due and payable without prior notice to me. Upon acceleration, interest shall be due on\nthe entire Principal Balance at the variable ANNUAL PERCENTAGE RATE provided in Section 8.3, until paid in full, including after you obtain a judgement against me.\n18. Termination. You or I may terminate this Agreement at any time by providing notice to the other, and no further Advances to me shall occur. Termination will not affect my obligation to\nrepay amounts owed under the Plan. I agree to return all Credit Cards and Credit Access Checks to you upon termination of this Agreement.\n19. Amendments. You may amend the terms of this Agreement, from time to time, upon written notice to me at my address shown in your records. Except as otherwise permitted by law, my\nuse of the Plan after the effective date of such amendment shall constitute consent to the new terms, and the new terms shall apply to both new Advances made on or after the effective\ndate and to any unpaid Outstanding Balances that I owe you on the effective date.\n20. Joint and Several Liability. If more than one person signs an application for a Credit Card, each of us is separately and all of us jointly are obligated under this Agreement. Each of us\nis authorized to act on behalf of the other person(s) with regard to the Plan and the Agreement and written notice to one person is notice to the other person(s).\n21. Liability for Unauthorized Use. If I notice the loss or theft of my credit card or a possible unauthorized use of my card, I should write to you immediately at Credit Card Operations,\nP.O. Box 1700, Pittsburgh, PA 15230 or call 1-877-732-2296. I will not be liable for any unauthorized use that occurs after I notify you. I may, however, be liable for unauthorized use that\noccurs before my notice to you. In any case, my liability will not exceed $50. I will not be liable for the unauthorized use of my credit card for transactions covered by Mastercard\xe2\x80\x99s Zero\nLiability Policy. I understand that the Mastercard Zero Liability Policy does not apply to commercial credit cards or ATM transactions or PIN transactions not processed by Mastercard. I\nunderstand I may be liable for the unauthorized use of my credit card for transactions not covered by Mastercard\xe2\x80\x99s Zero Liability Policy.\n22. Change of Address. I will advise you promptly if I change my mailing address. All written notices and statements from you to me will be considered given when placed in the U.S. Mail,\npostage prepaid, and addressed to me at my current address in your records.\n23. Miscellaneous. You shall have no liability for any third party refusal to accept or honor the Credit Card or Credit Access Checks. Foreign Purchases and Cash Advances are subject to\nmonetary exchange rates which will be reflected on my statements. You may accept late payments or partial payments, or checks, drafts or money orders marked \xe2\x80\x9cPayment in Full,\xe2\x80\x9d\nwithout losing any of your rights under this Agreement. If any provision of this Agreement is held to be invalid, such invalidity will not affect the remaining provisions. This Agreement is\ngoverned under the laws of the Commonwealth of Pennsylvania and federal law.\n24. Military Lending Act. Through the Military Lending Act, federal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n\n\x0cPayment Obligation (Military Lending Act)\nYou must pay a Minimum Payment each month. If the New Balance on your Periodic Statement is $10.00 or less, the Minimum Payment is the New Balance. Otherwise, your\nMinimum Payment is calculated by multiplying the New Balance by 2.00%.\nOral Disclosures (Military Lending Act)\nPlease call 1-844-565-6725 (toll-free) to receive oral disclosures about the Military Lending Act and your related Credit Card payment obligations.\nCash Back Rebate Terms and Conditions (For Rebate Cards Only)\nRebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as \xe2\x80\x9cCash Back Rebate.\xe2\x80\x9d\nOpen accounts that are not in default under this Agreement or otherwise restricted will accumulate rebates; however the Cash Back Rebate Amount must be at least $10.00 before a\ndistribution will be made. The rebate will be distributed semi-annually in January and July and will be based on rebate balances at the end of December and June. Accounts with rebate\namounts of less than $10.00 or that are in default or otherwise restricted are not eligible for distributions. If an account is not eligible for a distribution for any reason in one distribution period,\nthe accumulated rebates will carry over to the next period. If an account is closed for any reason, all accumulated Cash Back Rebates for that account will be forfeited.\nThe account holder is responsible for any taxes on Cash Back Rebates. Dollar Bank reserves the right to cancel or otherwise change the terms applicable to the Cash Back Rebate\nprogram at any time with 30 days prior written notice.\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:\nDollar Bank Card Services\n2700 Liberty Avenue\nPittsburgh, PA 15222\nIn your letter give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description 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 mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 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 corrected 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:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you do 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. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\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 correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on that purchase.\nTo use that right, all of the following must be true:\n1. The purchase must have been made in your home State or within 100 miles of your current mailing address, and the purchase price must have been more than $50.\n(Note, neither of these are necessary if your purchase was based on an advertisement we mailed 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 accesses 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:\nDollar Bank Card Services\n2700 Liberty Avenue\nPittsburgh, PA 15222\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay we may report you as delinquent.\nEqual Housing Lender. Member FDIC. Copyright \xc2\xa9 2021, Dollar Bank, Federal Savings Bank.\nF4045\n\nCCD290_21\n\n\x0c'


b'X (A) Visa Account Opening\nYOUR BILLING RIGHTS\nKeep This Document for Future Use\nThis notice tells you about your rights and our\nResponsibilities 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nIn your letter, give us the following information:\n>\nAccount Information: Your name and account number.\n>\nDollar amount: The dollar amount of the suspected error.\n>\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 mistake. You must contact us:\no Within 60 days after the error appeared on your statement.\no At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 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 corrected 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\nwe may continue to charge you interest on that amount.\n>\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n>\nWe can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:\no If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\no If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do 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. If you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\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.\n\n>\n>\n\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 correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed 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 accesses 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\nDISCLOSURES REQUIRED BY FEDERAL LAW\n1. INTEREST CHARGES:\nA) Calculation Methods:\na. Cash Advance Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nb. Purchase Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nB) Periodic Rates used to compute INTEREST CHARGES:\na. Cash Advance: 1.37% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 16.49%.\nb. Purchases: 1.12% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 13.49%.\nc. For Cash Advances obtained over the counter equal to or greater than $1.00, an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. For cash\nadvances obtained at an Automatic Teller Machine (ATM) equal to or greater than $1.00 an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. A transaction\nfee may also be imposed by an ATM operator, not holding your account, or by any national, regional or local network used to complete a cash advance transaction.\nd. Balance Transfers: 0.24% per month for 6 months, after that 1.12% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.9% for 6 months, after that 13.49%.\ne. Balance Transfer Fee: Equal to the greater of $5.00 or 3% of each balance transfer will be imposed.\n2. MINIMUM INTEREST CHARGE: If you are charged interest, the charge will be no less than $1.00.\n\n3. OVER THE LIMIT CHARGES: No Over the Limit Charges apply to your account.\n4. ANNUAL FEE: $95.00\n5. MINIMUM PAYMENT: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds $25.00, the minimum payment is\n\n3.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the entire portion of the New Balance in excess\nof your credit limit, plus any amount past due.\n6. LATE FEES: If the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date, a late charge of up to $35.00 may be imposed.\n7. RETURNED PAYMENT FEES: If a payment you make on your account is returned for any reason, a returned payment fee of $25.00 may be imposed.\n8. The only INTEREST CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction INTEREST CHARGES in connection with Cash Advances, or International Transaction Fees\n(i.e. cross-border and/or currency conversion fees) of up to 1% which may qualify as an INTEREST CHARGE (see item N. below), if part of your plan. Transaction INTEREST CHARGES for each Cash\nAdvance will be imposed on the date the Cash Advance was posted to your account. No grace period applies on any transaction INTEREST CHARGE imposed for Cash Advances.\n9. Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made.\n10. If the Cardholder is eligible and elects to participate in the group credit life, disability and loss of income insurance program by signing the appropriate enrollment forms, insurance charges will\n\n\x0cbe posted to the Cardholder\xe2\x80\x99s account each statement period at the rate disclosed in the separate disclosures enclosed based upon the New Balance on the account (including accrued Interest Charges) for\neach statement period. CREDIT LIFE, DISABILITY AND LOSS OF INCOME INSURANCE IS VOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO CARDHOLDER\xe2\x80\x99S PARTICIPATION IN THIS CREDIT PLAN.\n11. If you have other loans or credit extensions from First International Bank & Trust (FIBT), or take out other loans or credit extensions with FIBT in the future, collateral securing those loans or credit extensions\nwill also secure your obligations under this agreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this agreement even if FIBT\nhas, or later acquires a security interest in the household goods or a mortgage on the dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (checking or\nsavings accounts) or other funds held by FIBT to secure your obligations under this credit card plan, such accounts and/or funds are additional security for your obligations to FIBT arising from the use of\nyour Card.\nPERIODIC INTEREST CHARGE CALCULATION METHODS\nThe period Interest Charge Calculation Method applicable to your account for Cash Advances and Purchases of goods and services that you obtain through the use of your Card is specified in Number 1 above and\nexplained below:\nCash Advance Plans: Average Daily Balance (including current transactions). The Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which\nit is posted to your account, whichever is later. There is no grace period provided for current cycle transactions. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR)\nby 12 and applying that Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances. To get the average daily balance, we take the beginning cash balance of your account each day, add any new cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us the daily balance of cash advances. 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 of cash advances.\nPurchase Plans: Average Daily Balance (including current transactions). To avoid incurring an additional Interest Charge on the balance of purchases reflected on your monthly statement and, on any\nnew purchases appearing on your next monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases\nextends to the Payment Due Date. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 12 and applying that Periodic Rate to the\naverage daily balance\xe2\x80\x9d of purchases. To get the average daily balance, we take the beginning purchase balance of your account each day, add any new purchases, and subtract any payments, credits, non-accruing fees,\nand unpaid Interest Charges. This gives us the daily balance of purchases. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nACCOUNT AGREEMENT\nThe person (\xe2\x80\x9cCardholder\xe2\x80\x9d) whose name is embossed on the face of the (\xe2\x80\x9cCard\xe2\x80\x9d) enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the same account number, by\nsigning or using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card \xe2\x80\x93 First International Bank & Trust \xe2\x80\x93 as follows:\nA. Goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) may be purchased or leased by means of such card by Cardholder from any retail Business establishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the execution of a sales slip\nevidencing such Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, Cash Advances (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of such Card upon execution\nof a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of Visa/MasterCard.\nB. Cardholder shall be liable and agrees to pay Issuer for Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than\nthe Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and\nagrees to pay for all Purchases and Loans obtained through the use of any other Card bearing Cardholder\xe2\x80\x99s account number that has been issued to another person by reason of such person being a member\nof Cardholder\xe2\x80\x99s family, or otherwise issued upon Cardholder\xe2\x80\x99s request (all such Cards bearing the account number hereinafter collectively called \xe2\x80\x9cRelated Cards\xe2\x80\x9d).\nC. Variable Rate: The Annual Percentage Rate (APR) may increase in the future. The APR is subject to change monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe tenth of each month, or the last publishing date preceding the tenth if the tenth falls on a weekend or federal holiday. The Prime Rate will be updated on the 1 st day of the following month, to which\nwe add a margin. The rate change will be in effect the day after your statement period ends that month. Any increase in the APR will result in an increase in the amount of the interest you will pay,\nmay increase your minimum payment, and may increase the number of payments to pay off your balance.\nD. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time\nwithout prior notice.\nE. Cardholder shall not use the Card or permit the use of Related Cards to obtain Purchases or Loans, which will increase cardholder\xe2\x80\x99s indebtedness to Issuer to an amount in excess of the limit established by Issuer.\nF. All Purchases and Loans are affected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financial\nInstitution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on\nCardholder\xe2\x80\x99s account statement with Issuer.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Card and Related Card transactions. Such statement shall be deemed correct\nand accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to\nIssuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder\xe2\x80\x99s option, an installment equal to at least the required minimum payment stated in Section 5.\nH. Interest on Loans and Purchases will be charged in accordance with the interest charge calculation method referred to in Section 1. The rate of interest shall be established by Issuer from time to time, but shall\nnever exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in Section 1.\nI. If the card is canceled or surrender is demanded by Issuer or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are\ninitiated against Cardholder of his property, Issuer may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has\nother loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder\xe2\x80\x99s obligations under this agreement. However, unless the Cardholder\nexpressly agrees otherwise, the Cardholder\xe2\x80\x99s household goods and dwelling will not secure Cardholder\xe2\x80\x99s obligations under this agreement Cardholder\xe2\x80\x99s indebtedness or in enforcing this agreement,\nincluding reasonable attorney\xe2\x80\x99s fees and also those costs, expenses and attorney\xe2\x80\x99s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses\nare prohibited by law.\nJ. This agreement may be amended from time to time by Issuer, by written notice mailed to Cardholder at Cardholders last known address.\nK. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement all matters arising out of the issuance and use of the Card shall be governed by the laws of\nthe state in which the principal office of Issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, or use your card for a transaction at\nan automated teller machine, if such charges are not prohibited by law or regulation. No Interest Charge will be assessed on such additional charges.\nM. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the Cardholder will\nnot be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in writing\nat:\nCredit Card Security Department\nPO Box 183258\nColumbus, OH 43218-3258\nN. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder.\nO. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The\nexchange rate for transactions in a foreign currency will be a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa/MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1%\nconversion or processing fee.\nP. Issuer shall have sole discretion in how payments are applied to cardholder\xe2\x80\x99s account. Issuer may accept checks marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words of similar effect without losing any of Issuer\xe2\x80\x99s rights\nto collect the full balance of Cardholder\xe2\x80\x99s account.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder\xe2\x80\x99s credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information,\nrequest credit bureau reports and/or otherwise verify Cardholder\xe2\x80\x99s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder\xe2\x80\x99s account. However, Issuer is not obligated to release any such\ninformation to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\xe2\x80\x99s account shall be subject to all applicable rules and regulations of Visa/MasterCard, as applicable, as well as all applicable laws. If there is any conflict between the provisions\nof this Agreement and the rules and regulations of Visa/MasterCard, the rules and regulations of Visa/MasterCard shall control. Your Card may not be used for any illegal transaction(s).\n\nUpdated 08/25/2020\n\n\x0c'


b'Onyx (A) Visa Account Opening\nYOUR BILLING RIGHTS\nKeep This Document for Future Use\nThis notice tells you about your rights and our\nResponsibilities 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nIn your letter, give us the following information:\n>\nAccount Information: Your name and account number.\n>\nDollar amount: The dollar amount of the suspected error.\n>\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 mistake. You must contact us:\no Within 60 days after the error appeared on your statement.\no At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 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 corrected 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\nwe may continue to charge you interest on that amount.\n>\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n>\nWe can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:\no If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\no If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do 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. If you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\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.\n\n>\n>\n\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 correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed 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 accesses 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\nDISCLOSURES REQUIRED BY FEDERAL LAW\n1. INTEREST CHARGES:\nA) Calculation Methods:\na. Cash Advance Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nb. Purchase Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nB) Periodic Rates used to compute INTEREST CHARGES:\na. Cash Advance: 1.46% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 17.49%.\nb. Purchases: 1.21% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 14.49%.\nc. For Cash Advances obtained over the counter equal to or greater than $1.00, an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. For cash\nadvances obtained at an Automatic Teller Machine (ATM) equal to or greater than $1.00 an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. A transaction\nfee may also be imposed by an ATM operator, not holding your account, or by any national, regional or local network used to complete a cash advance transaction.\nd. Balance Transfers: 0.24% per month for 6 months, after that 1.21% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.90% for 6 months, after that 14.49%.\ne. Balance Transfer Fee: Equal to the greater of $5.00 or 3% of each balance transfer will be imposed.\n2. MINIMUM INTEREST CHARGE: If you are charged interest, the charge will be no less than $1.00.\n\n3. OVER THE LIMIT CHARGES: No Over the Limit Charges apply to your account.\n4. ANNUAL FEE: $495.00.\n5. MINIMUM PAYMENT: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds $25.00, the minimum payment is\n\n3.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the entire portion of the New Balance in excess\nof your credit limit, plus any amount past due.\n6. LATE FEES: If the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date, a late charge of up to $35.00 may be imposed.\n7. RETURNED PAYMENT FEES: If a payment you make on your account is returned for any reason, a returned payment fee of $25.00 may be imposed.\n8. The only INTEREST CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction INTEREST CHARGES in connection with Cash Advances, or International Transaction Fees\n(i.e. cross-border and/or currency conversion fees) of up to 1% which may qualify as an INTEREST CHARGE (see item N. below), if part of your plan. Transaction INTEREST CHARGES for each Cash\nAdvance will be imposed on the date the Cash Advance was posted to your account. No grace period applies on any transaction INTEREST CHARGE imposed for Cash Advances.\n9. Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made.\n10. If the Cardholder is eligible and elects to participate in the group credit life, disability and loss of income insurance program by signing the appropriate enrollment forms, insurance charges will\n\n\x0cbe posted to the Cardholder\xe2\x80\x99s account each statement period at the rate disclosed in the separate disclosures enclosed based upon the New Balance on the account (including accrued Interest Charges) for\neach statement period. CREDIT LIFE, DISABILITY AND LOSS OF INCOME INSURANCE IS VOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO CARDHOLDER\xe2\x80\x99S PARTICIPATION IN THIS CREDIT PLAN.\n11. If you have other loans or credit extensions from First International Bank & Trust (FIBT), or take out other loans or credit extensions with FIBT in the future, collateral securing those loans or credit extensions\nwill also secure your obligations under this agreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this agreement even if FIBT\nhas, or later acquires a security interest in the household goods or a mortgage on the dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (checking or\nsavings accounts) or other funds held by FIBT to secure your obligations under this credit card plan, such accounts and/or funds are additional security for your obligations to FIBT arising from the use of\nyour Card.\nPERIODIC INTEREST CHARGE CALCULATION METHODS\nThe period Interest Charge Calculation Method applicable to your account for Cash Advances and Purchases of goods and services that you obtain through the use of your Card is specified in Number 1 above and\nexplained below:\nCash Advance Plans: Average Daily Balance (including current transactions). The Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which\nit is posted to your account, whichever is later. There is no grace period provided for current cycle transactions. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR)\nby 12 and applying that Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances. To get the average daily balance, we take the beginning cash balance of your account each day, add any new cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us the daily balance of cash advances. 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 of cash advances.\nPurchase Plans: Average Daily Balance (including current transactions). To avoid incurring an additional Interest Charge on the balance of purchases reflected on your monthly statement and, on any\nnew purchases appearing on your next monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases\nextends to the Payment Due Date. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 12 and applying that Periodic Rate to the\naverage daily balance\xe2\x80\x9d of purchases. To get the average daily balance, we take the beginning purchase balance of your account each day, add any new purchases, and subtract any payments, credits, non-accruing fees,\nand unpaid Interest Charges. This gives us the daily balance of purchases. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nACCOUNT AGREEMENT\nThe person (\xe2\x80\x9cCardholder\xe2\x80\x9d) whose name is embossed on the face of the (\xe2\x80\x9cCard\xe2\x80\x9d) enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the same account number, by\nsigning or using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card \xe2\x80\x93 First International Bank & Trust \xe2\x80\x93 as follows:\nA. Goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) may be purchased or leased by means of such card by Cardholder from any retail Business establishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the execution of a sales slip\nevidencing such Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, Cash Advances (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of such Card upon execution\nof a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of Visa/MasterCard.\nB. Cardholder shall be liable and agrees to pay Issuer for Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than\nthe Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and\nagrees to pay for all Purchases and Loans obtained through the use of any other Card bearing Cardholder\xe2\x80\x99s account number that has been issued to another person by reason of such person being a member\nof Cardholder\xe2\x80\x99s family, or otherwise issued upon Cardholder\xe2\x80\x99s request (all such Cards bearing the account number hereinafter collectively called \xe2\x80\x9cRelated Cards\xe2\x80\x9d).\nC. Variable Rate: The Annual Percentage Rate (APR) may increase in the future. The APR is subject to change monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe tenth of each month, or the last publishing date preceding the tenth if the tenth falls on a weekend or federal holiday. The Prime Rate will be updated on the 1st day of the following month, to which\nwe add a margin. The rate change will be in effect the day after your statement period ends that month. Any increase in the APR will result in an increase in the amount of the interest you will pay,\nmay increase your minimum payment, and may increase the number of payments to pay off your balance.\nD. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time\nwithout prior notice.\nE. Cardholder shall not use the Card or permit the use of Related Cards to obtain Purchases or Loans, which will increase cardholder\xe2\x80\x99s indebtedness to Issuer to an amount in excess of the limit established by Issuer.\nF. All Purchases and Loans are affected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financial\nInstitution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on\nCardholder\xe2\x80\x99s account statement with Issuer.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Card and Related Card transactions. Such statement shall be deemed correct\nand accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to\nIssuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder\xe2\x80\x99s option, an installment equal to at least the required minimum payment stated in Section 5.\nH. Interest on Loans and Purchases will be charged in accordance with the interest charge calculation method referred to in Section 1. The rate of interest shall be established by Issuer from time to time, but shall\nnever exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in Section 1.\nI. If the card is canceled or surrender is demanded by Issuer or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are\ninitiated against Cardholder of his property, Issuer may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has\nother loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder\xe2\x80\x99s obligations under this agreement. However, unless the Cardholder\nexpressly agrees otherwise, the Cardholder\xe2\x80\x99s household goods and dwelling will not secure Cardholder\xe2\x80\x99s obligations under this agreement Cardholder\xe2\x80\x99s indebtedness or in enforcing this agreement,\nincluding reasonable attorney\xe2\x80\x99s fees and also those costs, expenses and attorney\xe2\x80\x99s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses\nare prohibited by law.\nJ. This agreement may be amended from time to time by Issuer, by written notice mailed to Cardholder at Cardholders last known address.\nK. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement all matters arising out of the issuance and use of the Card shall be governed by the laws of\nthe state in which the principal office of Issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, or use your card for a transaction at\nan automated teller machine, if such charges are not prohibited by law or regulation. No Interest Charge will be assessed on such additional charges.\nM. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the Cardholder will\nnot be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in writing\nat:\nCredit Card Security Department\nPO Box 183258\nColumbus, OH 43218-3258\nN. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder.\nO. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The\nexchange rate for transactions in a foreign currency will be a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa/MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1%\nconversion or processing fee.\nP. Issuer shall have sole discretion in how payments are applied to cardholder\xe2\x80\x99s account. Issuer may accept checks marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words of similar effect without losing any of Issuer\xe2\x80\x99s rights\nto collect the full balance of Cardholder\xe2\x80\x99s account.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder\xe2\x80\x99s credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information,\nrequest credit bureau reports and/or otherwise verify Cardholder\xe2\x80\x99s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder\xe2\x80\x99s account. However, Issuer is not obligated to release any such\ninformation to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\xe2\x80\x99s account shall be subject to all applicable rules and regulations of Visa/MasterCard, as applicable, as well as all applicable laws. If there is any conflict between the provisions\nof this Agreement and the rules and regulations of Visa/MasterCard, the rules and regulations of Visa/MasterCard shall control. Your Card may not be used for any illegal transaction(s).\n\nUpdated 08/25/2020\n\n\x0c'


b'GO (B) Visa Account Opening\nYOUR BILLING RIGHTS\nKeep This Document for Future Use\nThis notice tells you about your rights and our\nResponsibilities 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nIn your letter, give us the following information:\n>\nAccount Information: Your name and account number.\n>\nDollar amount: The dollar amount of the suspected error.\n>\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 mistake. You must contact us:\no Within 60 days after the error appeared on your statement.\no At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any 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 corrected 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\nwe may continue to charge you interest on that amount.\n>\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n>\nWe can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen:\no If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\no If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do 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. If you do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\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.\n\n>\n>\n\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 correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed 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 accesses 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:\nCustomer Service\nPO Box 183258\nColumbus, OH 43218-3258\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\nDISCLOSURES REQUIRED BY FEDERAL LAW\n1. INTEREST CHARGES:\nA) Calculation Methods:\na. Cash Advance Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nb. Purchase Plans - Average Daily Balance (including current transactions). (see the calculation method description below)\nB) Periodic Rates used to compute INTEREST CHARGES:\na. Cash Advance: 1.54% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 18.49%.\nb. Purchases: 1.29% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 15.49%.\nc. For Cash Advances obtained over the counter equal to or greater than $1.00, an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. For cash\nadvances obtained at an Automatic Teller Machine (ATM) equal to or greater than $1.00 an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed. A transaction\nfee may also be imposed by an ATM operator, not holding your account, or by any national, regional or local network used to complete a cash advance transaction.\nd. Balance Transfers: 0.24% per month for 6 months, after that 1.29% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.90% for 6 months, after that 15.49%.\ne. Balance Transfer Fee: Equal to the greater of $5.00 or 3% of each balance transfer will be imposed.\n2. MINIMUM INTEREST CHARGE: If you are charged interest, the charge will be no less than $1.00.\n\n3. OVER THE LIMIT CHARGES: No Over the Limit Charges apply to your account.\n4. ANNUAL FEE: There is no annual fee for your account.\n5. MINIMUM PAYMENT: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds $25.00, the minimum payment is\n\n3.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the entire portion of the New Balance in excess\nof your credit limit, plus any amount past due.\n6. LATE FEES: If the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date, a late charge of up to $35.00 may be imposed.\n7. RETURNED PAYMENT FEES: If a payment you make on your account is returned for any reason, a returned payment fee of $25.00 may be imposed.\n8. The only INTEREST CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction INTEREST CHARGES in connection with Cash Advances, or International Transaction Fees\n(i.e. cross-border and/or currency conversion fees) of up to 1% which may qualify as an INTEREST CHARGE (see item N. below), if part of your plan. Transaction INTEREST CHARGES for each Cash\nAdvance will be imposed on the date the Cash Advance was posted to your account. No grace period applies on any transaction INTEREST CHARGE imposed for Cash Advances.\n9. Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made.\n10. If the Cardholder is eligible and elects to participate in the group credit life, disability and loss of income insurance program by signing the appropriate enrollment forms, insurance charges will\n\n\x0cbe posted to the Cardholder\xe2\x80\x99s account each statement period at the rate disclosed in the separate disclosures enclosed based upon the New Balance on the account (including accrued Interest Charges) for\neach statement period. CREDIT LIFE, DISABILITY AND LOSS OF INCOME INSURANCE IS VOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO CARDHOLDER\xe2\x80\x99S PARTICIPATION IN THIS CREDIT PLAN.\n11. If you have other loans or credit extensions from First International Bank & Trust (FIBT), or take out other loans or credit extensions with FIBT in the future, collateral securing those loans or credit extensions\nwill also secure your obligations under this agreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this agreement even if FIBT\nhas, or later acquires a security interest in the household goods or a mortgage on the dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (checking or\nsavings accounts) or other funds held by FIBT to secure your obligations under this credit card plan, such accounts and/or funds are additional security for your obligations to FIBT arising from the use of\nyour Card.\nPERIODIC INTEREST CHARGE CALCULATION METHODS\nThe period Interest Charge Calculation Method applicable to your account for Cash Advances and Purchases of goods and services that you obtain through the use of your Card is specified in Number 1 above and\nexplained below:\nCash Advance Plans: Average Daily Balance (including current transactions). The Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which\nit is posted to your account, whichever is later. There is no grace period provided for current cycle transactions. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR)\nby 12 and applying that Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances. To get the average daily balance, we take the beginning cash balance of your account each day, add any new cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us the daily balance of cash advances. 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 of cash advances.\nPurchase Plans: Average Daily Balance (including current transactions). To avoid incurring an additional Interest Charge on the balance of purchases reflected on your monthly statement and, on any\nnew purchases appearing on your next monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases\nextends to the Payment Due Date. The Interest Charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 12 and applying that Periodic Rate to the\naverage daily balance\xe2\x80\x9d of purchases. To get the average daily balance, we take the beginning purchase balance of your account each day, add any new purchases, and subtract any payments, credits, non-accruing fees,\nand unpaid Interest Charges. This gives us the daily balance of purchases. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nACCOUNT AGREEMENT\nThe person (\xe2\x80\x9cCardholder\xe2\x80\x9d) whose name is embossed on the face of the (\xe2\x80\x9cCard\xe2\x80\x9d) enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the same account number, by\nsigning or using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card \xe2\x80\x93 First International Bank & Trust \xe2\x80\x93 as follows:\nA. Goods and services (\xe2\x80\x9cPurchases\xe2\x80\x9d) may be purchased or leased by means of such card by Cardholder from any retail Business establishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the execution of a sales slip\nevidencing such Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, Cash Advances (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of such Card upon execution\nof a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of Visa/MasterCard.\nB. Cardholder shall be liable and agrees to pay Issuer for Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than\nthe Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and\nagrees to pay for all Purchases and Loans obtained through the use of any other Card bearing Cardholder\xe2\x80\x99s account number that has been issued to another person by reason of such person being a member\nof Cardholder\xe2\x80\x99s family, or otherwise issued upon Cardholder\xe2\x80\x99s request (all such Cards bearing the account number hereinafter collectively called \xe2\x80\x9cRelated Cards\xe2\x80\x9d).\nC. Variable Rate: The Annual Percentage Rate (APR) may increase in the future. The APR is subject to change monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe tenth of each month, or the last publishing date preceding the tenth if the tenth falls on a weekend or federal holiday. The Prime Rate will be updated on the 1st day of the following month, to which\nwe add a margin. The rate change will be in effect the day after your statement period ends that month. Any increase in the APR will result in an increase in the amount of the interest you will pay,\nmay increase your minimum payment, and may increase the number of payments to pay off your balance.\nD. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time\nwithout prior notice.\nE. Cardholder shall not use the Card or permit the use of Related Cards to obtain Purchases or Loans, which will increase cardholder\xe2\x80\x99s indebtedness to Issuer to an amount in excess of the limit established by Issuer.\nF. All Purchases and Loans are affected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financial\nInstitution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on\nCardholder\xe2\x80\x99s account statement with Issuer.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Card and Related Card transactions. Such statement shall be deemed correct\nand accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to\nIssuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder\xe2\x80\x99s option, an installment equal to at least the required minimum payment stated in Section 5.\nH. Interest on Loans and Purchases will be charged in accordance with the interest charge calculation method referred to in Section 1. The rate of interest shall be established by Issuer from time to time, but shall\nnever exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in Section 1.\nI. If the card is canceled or surrender is demanded by Issuer or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are\ninitiated against Cardholder of his property, Issuer may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has\nother loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder\xe2\x80\x99s obligations under this agreement. However, unless the Cardholder\nexpressly agrees otherwise, the Cardholder\xe2\x80\x99s household goods and dwelling will not secure Cardholder\xe2\x80\x99s obligations under this agreement Cardholder\xe2\x80\x99s indebtedness or in enforcing this agreement,\nincluding reasonable attorney\xe2\x80\x99s fees and also those costs, expenses and attorney\xe2\x80\x99s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses\nare prohibited by law.\nJ. This agreement may be amended from time to time by Issuer, by written notice mailed to Cardholder at Cardholders last known address.\nK. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement all matters arising out of the issuance and use of the Card shall be governed by the laws of\nthe state in which the principal office of Issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, or use your card for a transaction at\nan automated teller machine, if such charges are not prohibited by law or regulation. No Interest Charge will be assessed on such additional charges.\nM. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the Cardholder will\nnot be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in writing\nat:\nCredit Card Security Department\nPO Box 183258\nColumbus, OH 43218-3258\nN. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder.\nO. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The\nexchange rate for transactions in a foreign currency will be a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa/MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1%\nconversion or processing fee.\nP. Issuer shall have sole discretion in how payments are applied to cardholder\xe2\x80\x99s account. Issuer may accept checks marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words of similar effect without losing any of Issuer\xe2\x80\x99s rights\nto collect the full balance of Cardholder\xe2\x80\x99s account.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder\xe2\x80\x99s credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information,\nrequest credit bureau reports and/or otherwise verify Cardholder\xe2\x80\x99s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder\xe2\x80\x99s account. However, Issuer is not obligated to release any such\ninformation to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\xe2\x80\x99s account shall be subject to all applicable rules and regulations of Visa/MasterCard, as applicable, as well as all applicable laws. If there is any conflict between the provisions\nof this Agreement and the rules and regulations of Visa/MasterCard, the rules and regulations of Visa/MasterCard shall control. Your Card may not be used for any illegal transaction(s).\n\nUpdated 08/25/20\n\n\x0c'