b'X Secured 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: 2.29% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE \xe2\x80\x93 27.49%.\nb. Purchases: 2.04% per month \xe2\x80\x93 Corresponding ANNUAL PERCENTAGE RATE 24.49%.\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 24.49%.\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'First International Bank & Trust\nAccount Opening Disclosure\nAMP (A) Visa Account\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n11.49%\n(APR) for Purchases\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n2.90% introductory rate for the first 12 months.\nAfter that your APR will be 11.49%. This APR will vary with the market based on the Prime Rate.\n14.49%\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.\nNone\nEither $5 or 3% of the amount of the balance transfer, whichever is greater.\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 08/25/2020 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 08/25/2020\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'First International Bank & Trust\nAccount Opening Disclosure\nAMP (B) Visa Account\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n14.49%\n(APR) for Purchases\nThis APR will vary with the market based on the Prime Rate.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\n2.90% introductory rate for the first 12 months.\nAfter that, your APR will be 14.49%. This APR will vary with the market based on the Prime Rate.\n17.49%\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 08/25/20\n\n\x0c'


b'9/1/2021\n\nCredit Card Agreement | FirstBank\n\nFirstBank Credit Card Agreement\nVariable Interest Rate Program\n\nFirstBank Credit Card Agreement\nIn this Agreement the words "you" and "your" mean any FIRSTBANK customer. The words "we", "our", "us" mean FIRSTBANK. The term "FHC Subsidiary" mean\nany subsidiary of FirstBank Holding Company. By using the service described in this Agreement, you consent to be bound by: (1) The terms of this Agreement; (2)\nAll applicable state and federal laws and regulations: and (3) Normal banking customs and practices. If there is a conflict between this Agreement and something\nsaid by one of our employees, we will follow this Agreement. You agree to this method of settling differences.\nThis Agreement governs the use of any credit cards which we issue to you under our Variable Interest Rate Program ("the Program"). The unique features and\nrewards programs of certain credit cards will be disclosed separately. You promise to pay for all purchases and advances which you (or anyone you authorize) make\nwith a credit card. If a credit card is issued jointly to someone else and you, each of you will be responsible for all amounts billed under the account. You agree not\nto allow others to use your credit card without our written permission. However, you will still be responsible for all purchases and advances made by anyone you\nauthorize to use your account, whether you notify us that he or she will be using it. If someone else is authorized to use your account and you want to end that\nperson\'s privilege, you must let us know in writing. If he or she has a card, you must return that card with written notice. We have the right to refuse payment of any\ncredit card item or advances should you allow someone to use your card without our permission.\n\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate (APR) for Purchases\n\n0.00% introductory APR for the first 6 months that your account is open. After that your APR will\nbe 15.15%. This APR will vary with the market based on the Wall Street Journal Prime Rate.\nRate calculation based on Wall Street Journal Prime Rate + 11.90%\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n1/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nAPR for Balance Transfers\n\n0.00% introductory APR for the first 6 months that your account is open. After that your APR will be\n18.15%. This APR will vary with the market based on the Wall Street Journal Prime Rate. Rate calculation\nbased on Wall Street Journal Prime Rate + 14.90%\n\nAPR for Cash Advances\n\n18.15%\nThis APR will vary with the market based on the Wall Street Journal Prime Rate. Rate calculation based\non Wall Street Journal Prime Rate + 14.90%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances, convenience checks and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nThere is no minimum interest charge.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumer\nfinance.gov/learnmore (/firstbank/exit.htm?site=http://www.consumerfinance.gov/learnmore) .\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x8c\xaa\n\nBalance Transfer\n2.5% or minimum of $2, whichever is greater.\n\n\xe2\x8c\xaa\n\nCash Advance\n\n\xe2\x8c\xaa\n\nInternational Transaction\n\n2.5% or minimum of $2, whichever is greater.\nFirstClass Rewards: None\nFirstCash Rewards: 3% of the U.S. dollar amount of the transaction, whether originally made in U.S.\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n2/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\ndollars or converted from a foreign currency.\n\nPenalty Fees\n\xe2\x8c\xaa\n\nLate Payment\n\nUp to $35\n\nHow We Will Calculate Your Balance\nWe use a method called "average daily balance (including new purchases)." See the \'Purchases and Other Charges\' section in this agreement for an explanation of\nour method.\n\nLoss of Introductory APR\nWe may end your Introductory APR and apply the normal APR if you make a late payment.\n\nBilling Rights\nInformation on your rights to dispute transactions and how to exercise those rights is provided to you at the end of this agreement under \'Your Billing Rights\'.\n\nUsing Your Card\nCardholder Liability\nWhen you receive a credit card, you agree to sign your name on the card as indicated. You will be responsible for the unauthorized use of any credit card you have\nfailed to sign. All credit cards must be immediately surrendered to us upon demand. You agree to keep your credit cards in a safe and secure manner at all times in\norder to prevent loss or theft of the cards. If your card is lost or stolen, you agree to notify us at once and provide us with full details. You may be liable for the\nunauthorized use of your credit card. You will not be liable for the unauthorized use that occurs after you notify our credit card department, orally or in writing, of the\nloss, theft, or possible unauthorized use. Write or telephone us at the address or telephone number shown on your periodic statement. We may charge a\nreplacement card fee in order to replace a lost or stolen credit card.\n\nCredit Limit\nYour card will have an established credit limit that will be listed on your periodic statement. In addition, for security reasons, we will limit the aggregate amount of\ncash advance transactions you can obtain on your card. The cash advance limit will be 25% of your overall credit limit. We have the right to change any of the limits\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n3/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nfrom time to time. If we change any of the limits we will notify you. You agree not to exceed these limits. If you do so, we can still charge all purchases and advances\nto your account without giving up any of our rights under this Agreement. However, you will be required to pay in full each month the entire amount in excess of your\nlimits. If we permit you to exceed your limits on any occasion, we are under no obligation to do so in the future. When you exceed your limits, you will be in default\nunder this Agreement.\n\nPurchases and Advances\nYou can use your credit card to purchase goods and services at any location where Visa credit cards are honored. You can obtain a cash advance (loan) with your\ncredit card by going to any FIRSTBANK or any other financial institution that honors Visa and presenting your card. You can also obtain cash advances by using\nyour credit card at any designated electronic terminal, such as an automated teller machine (ATM) or similar device, which is part of a designated network. ATM\nnetworks have various names, and we will keep you informed of the networks where you can use your credit card. Rules relating to cash advances at ATM\'s are\ndescribed below.\n\nATM Access\nWhen we issue a Personal Identification Number ("PIN") for use with your credit card, you will be able to obtain cash advances at any designated ATM. These cash\nadvances will be disclosed on your periodic statement and will accrue a finance charge in the same manner as other cash advances. For security reasons, there are\nlimits on the number and amount of transactions you can make through ATM\'s in one day. Your PIN is confidential, and you agree to take all necessary steps to\nprotect the secrecy and security of your PIN. If you permit someone else to use your credit card and PIN, you agree to be responsible for any advances or\npurchases which may result. In order to revoke any authorized use of your credit card and PIN, you must give us written notice to this effect. The notice will not be\neffective until midnight on the next business day following the business day on which we receive the notice.\n\nRewards\nWhen you apply for a credit card account, you are given a disclosure indicating whether or not the credit card will earn rewards. Some credit cards are eligible for\nadditional rewards based upon merchant codes, which are designated by the merchant. FirstBank does not have the ability to control how a merchant chooses to\nclassify their business and determines the percentage of FirstCash/FirstClass Reward Dollars earned based strictly on the merchant code provided by the business.\nYour account must be open and in good standing to receive FirstCash/FirstClass Reward Dollars. If your account is past due, in a delinquent status, inactive, or\nclosed voluntarily or involuntarily, you may forfeit any accumulated Reward Dollars. We consider your credit card inactive if there are no monetary transactions\n(payments, purchases, cash advances, or balance transfers) at least once every twelve (12) months. Rewards have no value until redeemed.\n\nAnnual Percentage Rates and Interest\nSpecial Programs\nA Special Program will have some terms that are different from the terms in this Agreement. We will tell you the terms when we make the offer. If you accept the\noffer, you agree to those terms. Except where the Special Program terms are different, the terms in this Agreement continue to apply to Special Program\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n4/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\ntransactions. The terms in this Agreement also continue to apply to transactions that are not Special Program transactions. We may use your payments up to the\nrequired Minimum Payment to pay down Special Program balances before other balances on your Account. This may reduce the time that any Special Program\napplies to your account. This also may increase the amount of interest you will owe on the other balances. Special Program may include, for example:\n\nIntroductory Rate\nA lower APR rate ("Introductory Rate") will apply to your account or to certain transactions in your account for a specified period of time ("Introductory Period") in\nconnection with special promotions that we may offer. The Introductory Period will end earlier if you do not pay the minimum payment due for any billing period\nwithin 60 days of the payment due date. After the Introductory Period, interest will be imposed against any outstanding balance at the end of your billing cycle at the\napplicable APR rate that has been disclosed to you.\n\nFinance Charge\nWe calculate the finance charge differently for Cash Advances and Balance Transfers than for Purchases and Other Charges as described below.\n1.\n\nPurchases and Other Charges\nYou may avoid additional finance charges on Purchases and Other Charges by paying the total New Balance in full prior to the Payment Due Date (the\npermitted grace period is twenty-five (25) days from the closing date of the billing period) indicated on your monthly statement. Unless you pay the total New\nBalance by the Payment Due Date, a finance charge will be imposed on Purchases and Other Charges ("Purchases Balance") on your next monthly periodic\nstatement. We figure the finance charge on your Purchase Balance by applying the monthly periodic rate for purchases to the average daily balance of your\nPurchase Balance (including current transactions) during the billing period covered by your monthly periodic statement. To get the average daily balance we\ntake the beginning balance of your Purchase Balance each day, add any new Purchases and Other Charges, subtract any payments or credits applied to your\nPurchase Balance, and subtract any unpaid finance charges included in your Purchase Balance. This gives us the daily balance. Then, we add up the daily\nbalances for the billing period and divide the total by the number of days in the billing period. This gives us the average daily balance of your Purchase Balance\nduring the billing period. We multiply this average daily balance by the monthly periodic purchase rate in effect at the close of your billing period to determine\nyour finance charge for Purchases and Other Charges for the billing period.\n\n2.\n\nCash Advances\nA finance charge is assessed from the date of the advance until the date it is repaid. You may not avoid finance charges on cash advances. However, the earlier\nyou make your payment, the less finance charge you will be assessed. We figure the finance charge on cash advances by applying the monthly periodic rate for\ncash advances to the average daily balance of cash advances (including current transactions) in your account during the billing period covered by your monthly\nperiodic statements. To get the average daily balance of cash advances, we take the beginning Cash Advance balance of your account each day, add any new\ncash advances, subtract any payments or credits applied to cash advances, and subtract any unpaid finance charges included in your Cash Advance balance.\nThis gives us the average daily balance of cash advances in your account during the billing period. We multiply this average daily balance by the monthly\nperiodic cash advance rate in effect at the close of your billing period to determine your finance charge for cash advances for the billing period. Convenience\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n5/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nchecks will be treated in all respects and posted as cash advances. The total combined cash advance and convenience check limit will be 25% of your overall\ncredit limit.\n3.\n\nBalance Transfers\nWe will permit a balance transfer in connection with certain promotional offers that we make. A balance transfer results when you transfer a balance from\nanother credit account to your credit card account. We will not process a request to transfer a balance from any other account you may have with us. A balance\ntransfer also includes your use of a convenience check for a transaction that accesses your credit card account for payment. A finance charge is assessed from\nthe date the balance transfer transaction is posted to your account. There is no grace period for a balance transfer, and this means that you will be paying\ninterest from the date the transaction posts to your account. The earlier you make your payment, the less interest you will be paying. We figure the finance\ncharge on balance transfers by applying the monthly periodic rate for balance transfers to the average daily balance of balance transfers (including current\ntransactions) in your account during the billing period covered by your monthly periodic statements. To get the average daily balance of balance transfers, we\ntake the beginning Balance Transfer balances of your account each day, add any new balance transfers, subtract any payments or credits applied to the\nbalance transfers, and subtract any unpaid finance charges included in your Balance Transfer balance. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing period and divide the total by the number of days in the billing period. This gives us the average daily balance of balance transfers\nin your account during the billing period. We multiply this average daily balance by the monthly periodic balance transfer rate in effect at the close of your billing\nperiod to determine your finance charge for balance transfers for the billing period. Convenience checks and balance transfers will be treated in all respects and\nposted as balance transfers.\n\nTransactions\nRecurring Preauthorized Transactions\nRecurring preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your credit card on a recurring basis. We are\nnot responsible for recurring transactions if your account is closed, suspended, or the account number changes. We may (but are not required to) provide your new\ncard number and expiration date to any merchant(s) in order to continue your recurring preauthorized transactions. There will be circumstances where you will have\nto contact the merchant.\n\nStopping Payment of Preauthorized Transactions\nIf you have told us in advance to make regular payments out of your account, you can stop any of these payments. To do so you must call us at 1-800-964-3444, or\nwrite us at FirstBank PO Box 150427 Lakewood, CO 80215, in time for us to receive your request three (3) business days before the payment is scheduled to be\nmade. If you call, we will also require you to put your request in writing. We must receive your written request within fourteen (14) days after you call. Your stop\npayment request must include the name of the payee, the scheduled payment date, the exact amount of the scheduled payment, and your account number. We\nmay charge you for each stop payment order that you give us. If you order us to stop payment three (3) business days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages.\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n6/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nStopping Payment on Convenience Checks\nIf you write a convenience check on your account, you can stop payment on it if it has not yet been paid from your Account. To stop payment, you must call us with\nall of the following information: the exact dollar amount of the check, the check number, your account number, the name of the party to who the check was made\npayable, and the name of the person who signed the check. We will stop payment on your check if we receive your stop payment request by the business day\nbefore the day we process your check. The stop payment order remains in effect for 6 months. You may write to us to cancel the order at any time.\n\nCredit and Credit Balances\nWhen you return merchandise purchased with a credit card, the merchant has fifteen (15) days to post the credit to your account. You are responsible for any\nfinance charge incurred on such a sale until the credit is posted. If there is a credit balance on your credit card account for more than six (6) months, and we have\nbeen unable to refund that balance to you despite our good faith and efforts to locate you, your credit card account will be automatically converted into a transaction\naccount. We will then treat that transaction account as a dormant account subject to the service charges specified in our transaction account rules and regulations.\n\nInternational Transactions\nAll transactions in foreign currencies will be converted to U.S. dollars and posted to the applicable account at the exchange rate selected by Visa from the range of\nrates available in wholesale currency markets or the government-mandated rate in effect for the applicable processing date. Based on card program, we will assess\na fee of three percent (3%) of the transaction amount on all international transactions (transactions conducted outside of the 50 United States including Internet\nmerchants) including those initiated in U.S. dollars as well as those in foreign currencies.\n\nFees\nLate Payment Fee\nWe may charge you up to $35 if we do not receive the minimum payment due for the billing period by the end of 10 days after the Payment Due Date. The Late\nCharge will be posted to your credit card account at the end of the 10 day period and will appear on your next billing statement.\n\nFees for Balance Transfers and Cash Advances\nWe impose a separate fee for each balance transfer or cash advance transaction. Each fee will be described in your periodic statement for the billing cycle in which\nthe transaction occurred and will become part of your New Balance.\nOn your monthly periodic statement we will disclose to you the total finance charge assessed for the billing period (the sum of the finance charge for cash advances\nand balance transfers and the finance charge for purchases and other charges including the fee described in the "International Transactions" paragraph), your daily\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n7/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nbalances for cash advances and balance transfers and purchases and other charges, the monthly periodic rates used to compute your finance charges and the\ncorresponding annual percentage rates.\nThis program utilizes a variable-rate feature. The ANNUAL CASH ADVANCE PERCENTAGE RATE, BALANCE TRANSFER RATE AND PURCHASE\nPERCENTAGE RATE (corresponding to the monthly periodic cash advance rate, balance transfer rate, and monthly periodic purchase rate) can change as a result.\nThe annual percentage rates are based on the value of an index which may vary quarterly. The index we will use during the term of this Agreement is the highest\n"Prime Rate" as published in the Money Rates table of the Wall Street Journal as of the first business day of March, June, September, and December. At these\ntimes the index may either increase or decrease. These index changes will take effect for purposes of calculating your finance charge on the first day of each billing\nperiod which ends in a month following a change in the index (billing periods ending in April, July, October, and January).\nTo determine the annual percentage rates that will apply to your account we add margins to the value of the index. The margins for this Program are 11.9% for\npurchases and other charges, and 14.9% for cash advances, convenience checks and balance transfers. Your monthly periodic rates are computed by dividing the\nannual percentage rates by 12. The current annual percentage rates and monthly periodic rates will be provided on the monthly periodic statements that we send to\nyou, and they may be obtained by calling us. The maximum ANNUAL PERCENTAGE RATE (A.P.R) that can apply is 21%. Apart from this rate, there is no other limit\non the amount by which the rates can change during any quarterly or annual period. An increase in the annual percentage rates will result in higher finance charges.\nThe initial annual purchase percentage rate and monthly periodic rate used to calculate the finance charge may be "discounted." This means it is not based on the\nindex and margin used for later rate adjustments. If your initial annual percentage rate is discounted, the discounted rate and the time period to which it will apply\nwere disclosed to you in the letter approving you for this Program.\nIf the index used in this Agreement to determine your annual percentage rates should no longer be available, we may select a new index. The new index will have a\nhistorical movement substantially similar to that of the original index, and the new index and margin will result in annual percentage rates substantially similar to the\nrates in effect at the time the original index became unavailable.\n\nTransaction Fee for Cash Advances\nWe may charge a 2.5% or minimum $2 fee for all cash advance transactions. This would include automated teller machines, convenience checks, and cash\nadvances done within financial institutions. The transaction fee for cash advances will post to your credit card account on the same day as the related cash advance\ntransaction.\n\nTransaction Fee for Balance Transfers\nWe may charge a 2.5% or minimum $2 fee for all balance transfer transactions. The transaction fee for balance transfers will post to your credit card account on the\nsame day as the related balance transfer transaction.\n\nAdditional Fees and Charges\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n8/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nWe may impose certain fees and charges in connection with your use of the services described in this Agreement. We may impose a fee for issuing a card to\nreplace a lost or stolen card. We may also assess a returned check fee if a check you submit to us as a payment on your account is returned unpaid. All fees and\ncharges may be charged by us at any time. A list of our current fees and charges is available upon request by writing to us at PO Box 150427, Lakewood CO 80215\nor calling 303-237-5000 or 1-800-964-3444.\n\nPayments\nPayments\nFor each of your credit card accounts, we will send you a monthly periodic statement showing your outstanding balance at the beginning of the billing cycle\n("Previous Balance"), all payments and credits posted to your account, all charges and cash advances during your billing cycle, the amount of any finance charge,\nand your outstanding balance at the end of your billing cycle ("New Balance"). Your statement will also indicate the minimum payment due for the billing period and\nthe Payment Due Date. Your minimum payment will be the greater of any portion of your balances in excess of your credit limit, three percent (3%) of the New\nBalance, or Twenty Dollars ($20.00). You may pay the minimum payment, more than the minimum payment, or the entire outstanding balance. You can always\nprepay any outstanding balance in part or full at any time. You must make a payment at least equal to the required minimum payment by the Payment Due Date or\nyou will be in default. Any payment you make in excess of the minimum payment due will be first applied to balances accruing the highest interest rate until\ncompletely satisfied, and then applied to balances at the next highest interest rate. We may reject and return any payment that creates or adds to a credit balance\non your Account. An attempt to make any payment in excess of your Current Balance through Online Banking or the Mobile App will result in an error message. If\noverpayment or credits result in a credit balance, the credit balance will be refunded to you in a timely manner or within seven (7) business days from receipt of a\nwritten request from you. You may write to the address provided on your Statement to request a refund of any available credit balance.\n\nDigital Wallet Terms and Conditions\nYou can add a FirstBank credit card (a "FirstBank Card") to your Digital Wallet ("Wallet"). Your payment-supported Apple or Android device ("Wallet Provider") allows\nyou to create virtual representations of your FirstBank Card in order to make payments at the terminals or readers maintained by merchants who accept contactless\npayments. By using this service, you agree to follow these terms and conditions.\nYou must follow the instructions specified by the Wallet Provider in order to add your credit card to the Wallet. Only eligible cards in good standing may be added.\nWe have the right to limit the number of supported iOS or Android devices to which you can add a FirstBank Card. In certain instances, we may permit a FirstBank\nCard of up to two cardholders to be added to one supported device.\nYou are solely responsible for maintaining the confidentiality of your Wallet and the means by which any Wallet application may be accessed. If you share these\ncredentials with another person, they may be able to conduct transactions with your Wallet. You must call FirstBank immediately at 1-800-964-3444 if you believe\nyour device credentials have been lost, stolen or compromised in any way, or an unauthorized person has used or may use your credentials without authorization. A\nFirstBank card can be removed from the Wallet by following the procedures supplied by the Wallet Provider. We can also block purchases with a FirstBank card in\nthe Wallet at any time.\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n9/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nYou will be responsible for all fees imposed in connection with the use of your Wallet. This will include fees such as data usage or text messaging charges imposed\nby your wireless carrier. We do not currently charge a fee for using a FirstBank card with a supported device.\nYou will be subject to any restrictions that third parties may impose regarding the use of your Wallet. You will also be subject to any third party agreement you may\nhave with your wireless carrier, the Wallet Provider, and any third party website or provider. We are not responsible for the security, accuracy, legality,\nappropriateness or any other aspect of the content or function of the Wallet Provider or any third party products or services.\nWe will have the right to send you communications and disclosures in connection with this service. You consent to this and also agree that we can contact you by\nany method of contact you provide to us in connection with any of your FirstBank accounts or services. You agree to notify us with updated contact information when\nchanges occur.\nWe collect certain information from the Wallet Provider to verify your identity and to enable you to use the FirstBank card. You authorize us to collect, use and share\nyour information in accordance with the applicable FirstBank privacy notice and online privacy statement as amended from time to time. The FirstBank online\nprivacy statement is available at www.efirstbank.com. We do not have any control over the privacy and security of information you provide to the Wallet Provider.\nThese terms and conditions are governed by the laws of the State of Colorado except to the extent superseded by federal law. Disputes arising out of your use of\nthis service will be subject to the alternative dispute procedures contained in this agreement. We may terminate this service at any time without notice. We may also\nchange these terms and conditions at any time. We will provide notice by any method of contact you provide to us. You will not be able to change these terms and\nconditions, but you can terminate this service at any time by removing all FirstBank cards from the Wallet.\nIf you have questions, disputes, or problems with the Wallet, contact the Wallet Provider. If you have questions, disputes or problems concerning the FirstBank\nCard, contact us at 303-237-5000 or 1-800-964-3444.\n\nObligation to Pay\nYou promise to pay all amounts billed to you under your credit card account along with applicable finance charges, annual fees, collection costs, attorney\'s fees as\nallowed by law or arbitration rules, and all charges which we may impose in connection with the use of services described in this Agreement. We can accept late\npayments, partial payments, drafts, and checks or money orders marked "payment in full"(or similar language) without losing any of our rights to enforce full\npayment of the indebtedness which may at any time be owed under this Agreement. If a credit card is issued in the name of two or more persons, then all persons\nto who a credit card is issued will be individually as well as jointly liable for all indebtedness incurred under the Program. This individual and joint liability exists\nregardless of which card holder is responsible for creating the debt, and regardless of any divorce, dissolution, separate maintenance, legal proceedings, or\nagreements that may affect liability between any of you. This individual and joint liability continues until all obligations are paid in full and credit cards have been\nreturned to us.\n\nAgreement\nMiscellaneous\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n10/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nThis Agreement will be governed by the laws of Colorado and applicable federal laws. This means that you may not use your credit card to purchase or charge\ngoods and services in violation of Colorado law. This includes activities such as online gambling. If any terms of this Agreement cannot be legally enforced, it is to\nbe considered changed to the extent necessary to comply with the law. All credit cards remain our property, and you must pay any amount owing to us and return all\ncards and blank checks issued to you by any FHC Subsidiary in the event any of your rights under this Agreement are terminated. You may not assign this\nAgreement or any rights under this Agreement. However, we may assign any part of our rights or obligations under this Agreement.\n\nChange of Terms\nWe may change any term, condition, service or feature of your credit card account at any time, and the change will apply to your existing unpaid balances as well as\nfuture activity in your credit card account. We will provide you with notice of the change to the extent required by applicable law.\n\nCredit Information\nWhen you apply for an account under this Agreement, you authorize us to obtain a credit report and obtain any other information about your creditworthiness. Any\nunfavorable information will be grounds for us to terminate any service we provide for you. In addition, you agree to give us financial statements and other\ninformation which we may request in the future to evaluate your financial condition.\nWhen we loan you money under this program, we are relying on the information you have given us in your application. You represent that this information is true and\ncorrect and that you will keep us informed in writing of any material change in this information.\n\nDefault\nIf you fail to make any required payment when due or exceed your credit limit, or, if you default in any other credit obligation to any FHC Subsidiary, you will be in\ndefault under this Agreement. You will also be in default if: you violate any of the terms of this Agreement; you overdraw any account with any FHC Subsidiary or\notherwise fail to maintain it in good standing; you permit the entry or service of any garnishment, judgement, tax levy, attachment or lien against you or any of your\nproperty; you become the subject of any bankruptcy or debtor rehabilitation proceedings (whether voluntary or involuntary); you permit the appointment of a receiver\nfor any portion or all of your property; you die; you fail to furnish us with financial statements upon our request; you experience a significant adverse change in your\nfinancial condition; any statement which you have given us turns out to have been untrue; or we feel in good faith that something has happened which seriously\naffects your ability to repay your obligation to us. Upon the occurrence of any event of default, or upon our termination of any of your rights under this Agreement,\nwe have the right to declare all of your indebtedness due and payable at once. The unpaid balance of you indebtedness shall continue to accrue finance charges at\nthe rate applicable as disclosed in this Agreement. We are under no commitment to extend further credit to you at any time after an event of default occurs.\nHowever, you are under a continuing obligation to repay all amounts to us in which you owe under this Agreement.\n\nDelay in Enforcement\nIf we accept late or partial payments or delay enforcing any of our rights under this Agreement we will not lose those rights.\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n11/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nMilitary Lending Act\nThe Military Lending Act (MLA) is a federal law that provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. If you are a covered borrower under the MLA, the cost of consumer credit may not exceed an annual rate of 36 percent (36%). This rate must\ninclude, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\nUnder the MLA, covered borrowers do not have to submit to compulsory arbitration. Therefore, if any dispute arises between you and us under this agreement, you\nwill have the right to resolve the dispute in court. The arbitration section of this agreement will only apply if you voluntarily consent to have a dispute arbitrated or\nmediated. This exemption from compulsory arbitration shall not apply to any borrower who is not covered under the MLA.\nCovered borrowers have other rights under the MLA. If you are a covered borrower under the MLA, any provisions or terms in this agreement that are in conflict with\nrights or protections granted under the MLA will be inapplicable and will not be enforced against you. To obtain additional information about the MLA and your\neligibility as a covered borrower, you can all our toll free telephone number at 1-844-839-9473 to listen to a recording that summarizes your rights as covered MLA\nborrower. You may also contact us at 1-800-964-3444 to speak to one of our representatives and obtain additional information.\n\nTermination\nYou (including any joint account customer) may terminate further loans or services by notifying us and returning all current cards which have been issued to you. If\nyou do not use your credit card for a period of six (6) consecutive months, we will have the right to suspend or terminate your account. We may also terminate your\nrights to use any of the services under this Agreement at any time. You will still be required to pay any present or future outstanding balance resulting from your use\nof any of the services in accordance with the terms of this Agreement. You may not use any of the services after they have been terminated or cancelled.\n\nInformation Sharing and Communication\nRelease of Information\nWe routinely report the manner in which you meet your obligations under this Agreement to credit reporting agencies, to our affiliates and to other persons or\nentities. We may also obtain credit and employment information about you. You authorize us to obtain and release this information. At your request, we will inform\nyou whether we requested credit reports concerning you and the names and addresses of the credit reporting agencies which furnished the reports.\n\nTelephone and Wireless Express Consent\nTelephone Recordings. You authorize us and any of our affiliates to monitor and record your telephone conversations with any FirstBank employee in order to\nensure quality service. You also authorize us to record telephone conversations that we may have with any other person who purports to act on your behalf. We\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n12/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nhave the right to record any conversations or requests relating to wire transfers or any other transactions in your account. You agree that these recordings and any\nother records or journals we may keep will be considered to accurately reflect the terms of any transaction or request even if there is a conflict with your records.\nBy providing a telephone number for a cellular telephone or other wireless device, you are expressly consenting to receiving communications at that number. We\nmay use any number of technologies to communicate with you at that number, including but not limited to prerecorded or artificial voice message calls, text\nmessages, and automatic telephone dialing systems. These communications may be originated by FirstBank and/or agents working on our behalf and may be\ninformed in nature or for the purpose of servicing your account. Calls and messages covered by this consent may incur access fees from your cellular provider.\nMessage and data rates may apply.\n\nPRESCREEN AND OPT OUT NOTICE\nThis "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This\noffer is not guaranteed if you do not meet specified criteria. If you do not want to receive prescreened offers of credit from this\nand other companies, call TransUnion at 1-888-567-8688 or visit the website at www.optoutprescreen.com or write TransUnion\nOpt Out Request PO Box 505 Woodlyn, PA 19094-0505.\n\nArbitration\nCollection Expense\nIf we undertake collection or legal action to enforce our remedies or any arbitration provisions under the terms of this Agreement, you agree to pay our attorney\'s\nfees, expenses, and litigation costs to the extent permitted by law.\n\nResolution of Disputes\nIn the event any dispute or claim arises between you and us under this agreement, you or we have the right to have the dispute or claim decided by binding\narbitration. Arbitration is an alternative procedure for resolving disputes without having a judge or jury. An arbitrator determines the outcome after a private hearing.\nThere is no right to obtain punitive or exemplary damages. The decision is final, and there is generally no right of appeal.\nArbitration will not be available in any action or proceeding where we are seeking to recover or foreclose upon any real or personal property collateral which secures\nyour obligations to us under this agreement or to collect any indebtedness which is secured by this collateral. Arbitration shall also not be available in any action or\nproceeding where we are seeking ancillary remedies or equitable relief with respect to your deposit accounts or any service provided by this agreement. We may\npursue any non-judicial remedy or foreclosure action available to us under statutory or common law without having to initiate or be subject to arbitration. In addition,\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n13/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nwe retain the right before, during, or after the pendency of any arbitration to obtain provisional or ancillary remedies from a court which relates to the subject of\narbitration. Neither you nor we will arbitrate any dispute within any "core proceedings" under the United States bankruptcy laws.\nThe arbitrator will determine whether a dispute is arbitrable. A single arbitrator will resolve any dispute and may consolidate any dispute with any other related\ndisputes, claims or other matters in question. Any court jurisdiction may enter a judgement or decree on the arbitrator\'s award. The judgement or decree will be\nenforced as any other judgement or decree.\nYou acknowledge that the transactions and the relationships which result from this agreement involve interstate commerce. The United States Arbitration Act will\ngovern the interpretation and enforcement of this section. The American Arbitration Association\'s Commercial Arbitration Rules shall govern the selection of the\narbitrator and the arbitration process, unless otherwise agreed to between you and us.\n\nYour Billing Rights\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\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:\nFirstBank Credit Card Center\nPO Box 150427\nLakewood, CO 80215\nYou may also contact us on the Web: www.efirstbank.com (/)\nIn your letter, give us the following information:\nAccount Information: Your name and account number\nDollar Amount: The dollar amount of the suspected error\nDescription of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake\nYou must contact us\nWithin 60 days after the error appeared on your statement\nleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n14/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\n\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 why the statement was correct\nWhile we investigate whether or not there has been an error\nWe cannot try to collect the amount in question, or report you as delinquent on that amount\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance\nWe can apply any unpaid amount against your credit limit\nAfter we finish our investigation, one of two things will happen\nIf We Made A Mistake: You will not have to pay the amount in question or any interest or other fees related to that amount\nIf We Do Not Believe There Was A Mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date the 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\nreport you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to who we reported you as delinquent, and\nwe 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\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\nmerchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n15/16\n\n\x0c9/1/2021\n\nCredit Card Agreement | FirstBank\n\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\n$50. (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\ngoods 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 do not\nqualify\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 or electronically at:\nFirstBank Credit Card Center\nPO Box 150427\nLakewood, CO 80215\nYou may also contact us on the web: www.efirstbank.com (/)\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\nwe think you owe an amount and you do not pay, we may report you as delinquent.\nRevision Date: 07/27/2021\n\nhttps://www.efirstbank.com/products/credit-loan/credit-cards/credit-card-agreement.htm\n\n16/16\n\n\x0c'