b'X (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: 1.62% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 19.49%.\nb. Purchases: 1.37% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 16.49%.\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 1.37% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.9% for 6 months, after that 16.49%.\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 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'AMP (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: 1.21% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 14.49%.\nb. Purchases: 0.96% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 11.49%.\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 12 months, after that 0.96% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.90% for 12 months, after that 11.49%.\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'


b'First International Bank & Trust\nAccount Opening Disclosure\nAMP Secured Visa Account\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n23.49%\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nThis APR will vary with the market based on the Prime Rate.\n2.90% introductory rate for the first 12 months.\nAfter that, your APR will be 23.49%. This APR will vary with the market based on the Prime Rate.\n26.49%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases and balance transfers if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\nIf you are charged interest, the charge will be no less than $1.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 3% of the amount of the balance transfer, whichever is greater.\n\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\n\xe2\x80\xa2\n\nCash Advance\n\nEither $5 or 3% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including current transactions)\xe2\x80\x9d. Please see the\nBilling Rights document for more information.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights document.\nOther: Additional fees may apply for special services requested by the cardholder.\nADDITIONAL FEES / SERVICES:\n\xe2\x9e\xa2 Special Posting Fee: $10.00\n\xe2\x9e\xa2 Express Order Fee: $35.00\n\xe2\x9e\xa2 Research Fee: $15.00/hour plus $.25/copy\n\xe2\x9e\xa2 Replacement Card Fee: $5.00 for each lost or damaged card\nInactive Accounts: Due to the cost of maintaining this account, your account may be closed if inactive for more than 22 months.\nAs a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies.\nThese consumer reports allow us to make credit and other opportunities available to you. If you believe that we have furnished information\nto a consumer reporting agency that is inaccurate, please notify us at the following address and identify the specific information that is\ninaccurate. The information about the cost of the card described in this supplement was printed on 08/25/20 and is accurate as of that\ndate. The information is subject to change after that date and you should call us at 1-888-848-3428 or write to us at First International\nBank & Trust \xe2\x80\x93 1601 N 12th St, Bismarck, ND 58501 for the current information. MEMBER FDIC.\nPLEASE REFER TO THE BILLING RIGHTS DOCUMENT FOR ADDITIONAL INFORMATION.\n3028206 \xe2\x80\x93 Updated 08/25/20\n\n\x0c'


b'X (C) 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: 2.04% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 24.49%.\nb. Purchases: 1.71% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 20.49%.\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 1.71% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.90% for 6 months, after that 20.49%.\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 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 (C) 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: 1.87% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 22.49%.\nb. Purchases: 1.62% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 19.49%.\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 2.04% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 2.90% for 6 months, after that 19.49%.\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'