b'Important Information about your FirstRewards\xc2\xae World Mastercard\xc2\xae\nEffective Date: September 1, 2021\nCARDHOLDER AGREEMENT\nPRICING AGREEMENT\n\nINTEREST RATES & INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\nand Balance Transfers\n\n3.99%introductory APR for six months after account opening.\nAfter that, your APR will be 13.25%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\n24.25%\nThis APR will vary with the market based on the Prime Rate.\n29.24%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply?\nIf your APRs are increased for this reason, the Penalty APR will apply until you\nmake six consecutive minimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by the\ndue date of each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFor Credit Card tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore/\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\n\nEither $10 or 3% of the amount of each transfer, whichever is greater.\n\nCash Advance and Convenience Checks\n\nEither $10 or 4% of the amount of each cash advance and convenience\ncheck, whichever is greater.\n\nForeign Transaction\nInternational transaction fee\n\n3% of the transaction amount in U.S. dollars.\n\nPenalty Fees\nLate Payment\n\nUp to $10.00\n\nReturned Payment\n\nUp to $30.00\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0cHow We Will Calculate Your Balance:We use a method called "average daily balance (including currenttransactions)." See\nBalance Computation Method within the Pricing Agreement for more details.\nLoss of Introductory APR:We may end your introductory APR and apply the Penalty APR if you make a latepayment. The Penalty\nAPR will vary with the market based on the Prime Rate.\nBilling Rights:Information on your rights to dispute transactions and how to exercise those rights is providedin your Cardholder\nAgreement.\nPRICING AGREEMENT CONTINUED\n1. Terminology.For purposes of this Pricing Agreement, and the Account Agreement, (collectively referred to as the \xe2\x80\x9cCardholder\nAgreement\xe2\x80\x9d) each Account Holder/Cardholder is referred to as \xe2\x80\x9ccardholder\xe2\x80\x9d or "you", whether one or more, and First Interstate\nBank is referred to as \xe2\x80\x9cBank,\xe2\x80\x9d "Issuer,\xe2\x80\x9d "us," or "we".\n2. Interest Rates.\na. Periodic Rate and Annual Percentage Rate.The Annual Percentage Rate corresponds to a Periodic Rate. The Annual\nPercentage Rate is equal to the Periodic Rate multiplied by 12 and the Periodic Rate is equal to the Annual Percentage\nRate divided by 12. Rates other than the introductory rate vary with the market based on the Prime Rate as described\nfurther below.\nb. Purchases and Balance Transfers.\ni. Introductory Rate.The introductory rate for Purchases and Balance Transfers is 0.33% per month,\ncorresponding to an Annual Percentage Rate of 3.99%. Unless a late payment is made and the introductory rate\nis ended, the introductory rate applies for six months.\nii. The Periodic Rate for subsequent Purchases and Balance Transfers and all existing balances related to\nPurchases and Balance Transfers shall be 1.1% per month, corresponding to an Annual Percentage Rate 13.25\n%. The Periodic Rate and corresponding Annual Percentage Rate for Purchases and Balance Transfers varies\nwith the Prime Rate (defined below) and therefore may decrease or increase as the Prime Rate varies. The\nAnnual Percentage Rate for Purchases and Balance Transfers is determined monthly on the first day of the\nbilling cycle by adding 10 percentage points to the Prime Rate.\n\nc. Cash Advances.The Periodic Rate for Cash Advances is 2.02% per month, corresponding to an Annual Percentage\nRate of 24.25%. The Periodic Rate and corresponding Annual Percentage Rate for Cash Advances varies with the Prime\nRate (defined below) and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for\nCash Advances is determined monthly on the first day of the billing cycle by adding 21 percentage points to the Prime\nRate.\nd. Penalty Rate.The penalty Annual Percentage Rate will apply if a required payment is one time delinquent over sixty (60)\ndays. The Periodic Rate that will apply as a penalty to all balances is 2.44% per month, corresponding to an Annual\nPercentage Rate of 29.24%. The Periodic Rate and Annual Percentage Rate applicable as a penalty varies with the\nPrime Rate and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate applicable\nas a penalty is determined monthly on the first day of the billing cycle by adding 25.99 percentage points to the Prime\nRate.\ne. Prime Rate.The Prime Rate used for every adjustment referenced above is the highest "U.S. prime rate" as published in\nthe "Money Rates" section of The Wall Street Journal on the first publication day of the month in the month preceding the\nchange.\nf. Billing Cycle.Each monthly statement reflects a billing cycle. A billing cycle is a time period that ends on a closing date\ndetermined by us and begins on the day after the closing date of the previous billing cycle.\n\n3. Balance Computation Method.As indicated above, we use a method called "average daily balance (including current\ntransactions)" to calculate your balance. We figure the interest charge on your Account by applying the Periodic Rate to the\n"average daily balance" of your Account. To get the "average daily balance" we take the beginning balance of your Account\neach day, add any new purchases and advances, and subtract any unpaid interest or other finance charges and any payments\nor credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the "average daily balance."\n4. Minimum Payment.The minimum payment required is the New Balance shown on your statement if the amount is equal to or\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0cless than $20.00. If the New Balance shown on your statement exceeds $20.00, the minimum payment is 3.00% of that portion\nof the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus\nthe entire portion of the New Balance in excess of your credit limit, plus any amount past due.\n5. Balance Transfer, Cash Advance and Convenience Check Fees.A Balance Transfer Fee of either $10.00 or 3.00% of the\namount of each transfer, whichever is greater, will apply. A Cash Advance Fee of either $10.00 or 4.00% of the amount of each\ncash advance, whichever is greater, will apply if you obtain funds through an automated teller machine (ATM) or a financial\ninstitution, make a wire transfer or obtain a money order. A Convenience Check Fee of either $10.00 or 4.00% of the amount for\neach convenience check will apply. We will begin charging interest on Balance Transfers, Cash Advances and Convenience\nChecks on the transaction date.\n6. Foreign Transactions.If you make a purchase or cash advance in foreign currency, the transaction will be converted into U.S.\nDollars by Mastercard\xc2\xae. The exchange rate applied to such transactions is applied on the date that the transaction is processed\nand is either (i) a wholesale exchange rate selected by Mastercard\xc2\xae, or (ii) a government-mandated rate. The exchange rate\nused on the processing date may differ from the rate that would have been used on the transaction date or the Credit Card\nstatement posting date. In addition to the exchange rate, we will charge the applicable international transaction fee.\n7. Late Payment Penalty Fee.If the minimum required payment is not received within ten (10) days after the payment due date,\nthe late payment penalty fee will be imposed.\n8. Balance Transfers.Balance Transfers are subject to the Balance Transfer Fee disclosed in the Pricing Agreement. We will\nevaluate your Balance Transfer requests upon receipt. The total amount of your requests, including fees and interest charges,\ncannot exceed your available credit. If your Balance Transfer requests exceed your credit limit, we may either decline your\nBalance Transfer request or send less than the full amount requested to the designated payees. Each Balance Transfer will\nreduce your available credit just like any other transaction. It may take up to three weeks to process your Balance Transfer(s),\nso you may still need to make payments to your other accounts to keep them current. We will not process any Balance Transfer\nrequests for any other account or loan that is issued by us.\n9. Overdraft Protection.Overdraft Protection is an available option on your Account but requires you to enroll and qualify for this\nservice separately. Overdraft transfers to your eligible First Interstate Bank deposit account from your First Interstate Bank credit\ncard account will be subject to the Cash Advance Annual Percentage Rate disclosed under the Pricing Agreement of this\nCardholder Agreement. The Cash Advance Transaction Fees do not apply.\n10. Expedited Credit Card Production and Delivery Charge.Upon request, we will rush your Credit Card and charge you a onetime fee of $28.50.\n11. Expedited Payment Fee.You may be charged a convenience fee of up to $15.00 to make an expedited payment over the\nphone with the assistance of a live customer service representative.\n12. Research Charges.We will charge $20 per hour, $10.00 minimum per project and $1.00 per Credit Card statement.\n13. Security Interests.If you have other loans or credit extensions from us, or take out other loans or credit extensions with us in\nthe future, collateral securing those loans or credit extensions may also secure your obligations under this Cardholder\nAgreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations\nunder this Cardholder Agreement even if we have, or later acquire, a security interest in the household goods or a mortgage on\nthe dwelling. If you have executed a written agreement granting a security interest in any deposit accounts (certificates of\ndeposit or checking, savings, or share accounts) or other funds held by us to secure your obligations under this Credit Card\nplan, such accounts and/or funds are additional security for your obligations to us arising from the use of your Credit Card.\n\nACCOUNT AGREEMENT \xe2\x80\x93 TERMS GOVERNING THE USE OF YOUR CREDIT CARD\nBy signing or using the Credit Card to be issued by us, you acknowledge receipt of the Cardholder Agreement and agree with us as\nfollows:\n1. Credit Card Use. You may use your Credit Card to purchase goods and services ("Purchases") from participating merchants.\n2. Promise to Pay. You shall be liable and agree to pay us for Purchases made by, or for Cash Advances extended to, you or\nanyone else using such Credit Card unless the use of such Credit Card is by a person other than you (a) who does not have\nactual, implied or apparent authority for such use, and (b) from which you received no benefit. Additionally, you shall be jointly\nand severally liable and agree to pay for all Purchases and Cash Advances obtained through the use of any other Credit Card\nbearing your Account number that has been issued to another person by reason of such person being a member of your family,\nor otherwise issued upon your request (all such Credit Cards bearing your Account number are herein collectively called\n"Related Credit Cards").\n3. Annual Fee. You agree to pay to us an annual fee (if and as stated in the Pricing Agreement Disclosures) for participation in our\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0cCredit Card plan. Such annual fee shall be imposed whether or not you use the Credit Card to obtain Purchases and Cash\nAdvances. The annual fee shall be charged to your Account each year in the month of our choice. The annual fee is not\nrefundable in the event of termination of the Account by either you or us unless otherwise provided for by law.\n4. Our Right to Cancel Your Account. We can cancel your Account at any time, or reduce the amount of your credit line, without\nnotice to you, except in those situations where notice is required by law. If we cancel your Account, you agree to destroy all\nCredit Cards issued on your Account by cutting them in half and returning them to us. You will continue to be responsible for full\npayment of the balance on your Account and all charges to your Account, including those not yet received by us, as well as\nsubsequent interest and other charges. Each Credit Card is our property, and you agree that the Credit Cards are not\ntransferable and to surrender any Credit Card upon demand.\n5. Credit Limit. You shall not use the Credit Card or permit the use of Related Credit Cards to obtain Purchases or Cash Advances\nwhich will increase your indebtedness to us to an amount in excess of the limit established by us.\n6. Credit Card Acceptance. All Purchases and Cash Advances are subject to the approval of the Seller and Cash Advancing Bank,\nrespectively, and we shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Credit Card or any\nRelated Credit Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to us,\nwhich shall be shown as a credit on your Account statement with us.\n7. Statements. We will send to you, at monthly intervals determined by us, a statement reflecting for the prior monthly period all\nCredit Card and Related Credit Card transactions. Such statement shall be deemed correct and accepted by you and all holders\nof Related Credit Cards unless we are notified to the contrary in writing within 60 days of mailing of such statement. You will pay\nsuch statement by remitting to us within 25 days of the closing date reflected on the statement either the full amount billed or, at\nyour option, an installment equal to at least the required minimum payment stated above.\n8. Interest. Interest on Balance Transfers, Cash Advances and Purchases will be charged in accordance with the calculation\nmethod referred to in the Pricing Agreement. The rate of interest shall be established by us from time to time, but shall never\nexceed the maximum rate permitted by law.\n9. Default, Acceleration and Security. You will be in default, and we may, without notifying you, temporarily suspend your credit,\nclose your Account, cancel all Credit Cards issued on it and require immediate payment of your entire balance if any of the\nfollowing occurs:\na. You fail to make a payment when it is due.\nb. You do not follow the terms of this Agreement in any way.\nc. You have made a false or misleading statement on the application for your Account.\nd. You fail to pay any other loan you owe us.\ne. You become insolvent or die.\nf. There is an attachment, execution or levy against your property or you make an assignment for the benefit of creditors.\ng. A bankruptcy is filed by or against you or your spouse.\nh. A guardian, conservator, receiver, custodian or trustee is appointed for you.\ni. You are generally not paying your debts as they become due.\nj. There has been a material adverse change in your financial standing.\n\nYou agree to pay all costs incurred by us in collecting our indebtedness or in enforcing this Cardholder Agreement, including\nreasonable attorney\xe2\x80\x99s and paralegal fees and also those costs, expenses and attorney\xe2\x80\x99s and paralegal fees incurred in\nappellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.\n10. Closing Your Account. You may close your Account at any time. If you close your Account, in order to avoid the accrual of\ninterest and other fees, you must immediately pay everything you owe us, including any amounts owed but not yet billed. If you\ndo not pay, the Account will continue to accrue interest and other fees, and will remain subject to all the terms and conditions of\nthis Cardholder Agreement. Upon closing the Account, you also agree to destroy all Credit Card(s) and any unused\nConvenience Checks. If you close your Account, Credit Cards or Convenience Checks may not be used.\n11. Change in Terms of Your Account. We can change any terms of your Account at any time. We will provide you with such notice\nas is required by law by mailing a notice to you at the latest address shown in our records.\n12. Notification of Changes. You agree to notify us within 20 days of any change in name, mailing address, telephone number or\nplace of employment.\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0c13. Governing Law. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this Cardholder\nAgreement and all matters arising out of the issuance and use of the Credit Card and your Account shall be governed by and\ninterpreted in accordance with the laws of the State of Montana regardless of where you may reside or use your Account.\n14. Liability for Unauthorized Credit Card Use/Lost or Stolen Credit Card. If you notice the loss or theft of your Credit Card or\npossible unauthorized use of your Credit Card, you should write to us immediately at:\n\nFirst Interstate Bank\nPayment Services\nP.O. Box 30918\nBillings, MT 59116-0918\nOr call us at (866) 839-3485\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for any unauthorized\nuse that occurs before your notice to us. In any case, your liability will not exceed $50.00.\nYou agree to notify us immediately if your Credit Card is ever lost or stolen or if any unauthorized use may have occurred. You\nagree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible\nunauthorized use of your Credit Card and to comply with such procedures as we may require in connection with our\ninvestigation, including assisting in the prosecution of any unauthorized user.\n15. Telephone Monitoring. You agree that we and our agents or service companies may monitor and/or record any telephone\ncommunications with you or any cardholder.\n16. Payments must be made to us in U.S. Dollars drawn on a U.S. bank. Subject to applicable law, payments may be applied to\nwhat you owe us in any manner we choose in our sole discretion. We may accept checks marked "Payment in Full" or with\nwords of similar effect without losing any of our rights to collect the full balance of our Account.\n17. Reevaluation of Credit. We can reinvestigate and reevaluate any information you provided on your credit application at any time,\nand in the course of doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify\nyour current credit standing. You also acknowledge that we may periodically evaluate your creditworthiness utilizing a credit\nscoring process. The results of these investigations and evaluations could lead to a reduction or termination of your credit limit,\nchanges in the APR applicable to your Account, or changes in other terms of your Account. As required by law, you will be\nnotified of these changes.\n18. Release of Information. You agree that we may release information to others, such as credit bureaus, regarding the status and\nhistory of your Account. However, we are not obligated to release any such information to anyone unless we are required by law\nto do so.\n19. Prohibited Transactions. You shall not use the Credit Card for any illegal transaction. In addition, Federal Law, the Unlawful\nInternet Gambling Enforcement Act of 2006 prohibits commercial customers from conducting transactions related to illegal\nInternet gambling. As our credit card customer you agree to notify us if your Account is ever used for Internet gambling, even if\nyou believe the activity to be legal. If you do not, we may close your Account.\n20. If, for any reason, we do not make use of any of our rights under this Cardholder Agreement on a particular occasion, that will\nnot limit our rights in the future in any way.\n21. Mastercard\xc2\xae Rules and Regulations. You agree that your Account shall be subject to all applicable rules and regulations of\nMastercard\xc2\xae Worldwide, as applicable, as well as all applicable laws. If there is any conflict between the provisions of this\nCardholder Agreement and the rules and regulations of Mastercard\xc2\xae Worldwide, the rules and regulations of Mastercard\xc2\xae\nWorldwide shall control.\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Interstate Bank\nPayment Services\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0cPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nIn your letter, give us the following information:\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your Credit Card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFirst Interstate Bank\nPayment Services\nPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nImportant Notice \xe2\x80\x93 Please Read Carefully\nWe may report information about your account to\ncredit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your\ncredit report.\nPlease contact Payment Services with any questions\nabout this notice at 1-888-833-3454.\n\nFirstRewards\xc2\xae World Mastercard\xc2\xae Intro (Tier B) 0921 11PSCMR\n\n\x0cFACT ACT NOTICE\n\nYour Credit Report and the Price You Pay for Credit\n\nWhat is a credit report?\n\nA credit report is a record of your credit history. It includes information\nabout whether you pay your bills on time and how much you owe to creditors.\n\nHow did we use your credit\nreport?\n\nWe used information from your credit report to set the terms of the credit we\nare offering you, such as the Annual Percentage Rate.\nThe terms offered to you may be less favorable than the terms offered to\nconsumers who have better credit histories.\n\nWhat if there are mistakes in\nyour credit report?\n\nYou have a right to dispute any inaccurate information in your credit report.\nIf you find mistakes on your credit report, contact Equifax, which is the\nconsumer reporting agency from which we obtained your credit report.\nIt is a good idea to check your credit report to make sure the information it\ncontains is accurate.\n\nHow can you obtain a copy of\nyour credit report?\n\nHow can you get more\ninformation about credit\nreports?\n\nUnder federal law, you have the right to obtain a copy of your credit report\nwithout charge for 60 days after you receive this notice. To obtain your free\nreport, contact Equifax:\nBy telephone:\n\nCall toll-free: 1-800-685-1111\n\nBy mail:\n\nMail your written request to:\nPO Box 740241\nAtlanta, GA 30374\n\nOn the web:\n\nVisit www.equifax.com/fcra/\n\nFor more information about credit reports and your rights under federal law,\nvisit the Consumer Financial Protection Bureau\'s web site at\nwww.consumerfinance.gov/learnmore\n\n\x0cDepartment of Defense Credit Card Disclosure\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or\nher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products\nsold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account).\nPayment obligation for a consumer credit card is as follows:\nThe minimum payment required is the New Balance shown on the statement if the amount is equal to or less than\n$20.00. If the New Balance shown on the statement exceeds $20.00, the minimum payment is 3.00% of that\nportion of the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00,\nwhichever is greater, plus the entire potion of the New Balance in excess of your credit limit, plus any amount past\ndue.\nPlease call (888) 833-3445 to have this Disclosure provided to you orally.\n\n\x0cFIRSTREWARDS\xc2\xae PROGRAM RULES\nThe FirstRewards Program is a promotional rewards program offered by First Interstate Bank and administered\nby our Program Administrator, BreakAway Loyalty LLC. The following FirstRewards Program Rules apply to every\naccount holder, whether one or more, on a First Interstate Bank FirstRewards Mastercard\xc2\xae Account\nEARNING FIRSTREWARDS POINTS\nThe FirstRewards Program applies to all qualifying purchases charged to your FirstRewards Mastercard as\nfollows: for every one dollar charged for purchases, you will receive one FirstRewards Point. The FirstRewards\nProgram is based on net purchases and FirstRewards Points are not earned for finance charges, fees, cash\nadvances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance\ncharges posted to your account. FirstRewards Points are deducted for returns. First Interstate Bank shall resolve\nall questions as to what constitutes a qualifying purchase. All such resolutions or determinations by First\nInterstate Bank are final.\nEligible consumer and business FirstRewards Mastercard Accounts will be auto-enrolled in the FirstRewards\nProgram upon account opening and earned FirstRewards Points will accrue in the FirstRewards Account\nassociated with the FirstRewards Mastercard Account. FirstRewards Points do not expire.\nPURCHASING FIRSTREWARDS POINTS\nFirstRewards Points can also be purchased. A minimum of 2,000 FirstRewards Points may be purchased at a\nrate of $.02 per point and must be purchased in 1000 point increments. The maximum number of FirstRewards\nPoints that can be purchased during any 6 month period is 25,000. These purchases must be charged to your\nFirstRewards Mastercard.\nREDEMPTION OF FIRSTREWARDS POINTS\nFirstRewards Points can be redeemed, in increments specified on the FirstRewards Program website, for Reward\nitems such as merchandise, travel, gift cards, charitable donations or special promotional offers by visiting the\nwebsite, rewards.firstinterstate.com, or by calling the toll-free number 1-888-216-2893. You may select\nRewards from any level as long as you have a sufficient number of FirstRewards Points available in your\nFirstRewards Account at the time of your redemption.\nFirstRewards Point requirements assigned to any Reward are subject to change from time to time without\nnotice, and Rewards may be substituted at any time. Should a Reward be discontinued, it will be replaced with\na Reward of equal or greater value or, if no suitable substitute is available, you will be advised to make an\nalternative selection or your FirstRewards Points may be returned to your FirstRewards Account.\nFirstRewards Points cannot be used with any other offer, promotion or discount; or earned from or transferred\nto any other credit and/or debit card, account or rewards program, unless otherwise specified. In the event\nyou redeem unearned points, your account may be charged for the actual cash difference between the cost of\nthe Reward redeemed and the net value of the actual FirstRewards Points available.\n\n\x0cREWARDS\nRewards are provided by Merchants that participate in the FirstRewards Program. The terms and conditions\nrelating to the purchase of specific Rewards and their use are available by visiting the website\nrewards.firstinterstate.com. Rewards offerings are subject to availability and may change at any time without\nnotice.\nAirline tickets The list of airline, hotel, rental car, cruise, vacation package or experience companies and any\nother listed award available in the Program is subject to change and may be discontinued in whole or in part\nwithout notice. All travel awards are subject to the specific terms and conditions and rules and restrictions\nimposed by the individual travel companies, airlines, hotels, rental car, cruise line, vacation package or\nexperience provider companies. Compliance with these terms and conditions and rules and restrictions is the\nresponsibility of the Participant. All reservations are made subject to the conditions of carriage, supply or\nbusiness of the party providing the service, including any exclusions and limitations of liability. You are\nresponsible for paying a $30.00 redemption fee at the time of redemption and any overages or additional fares\nadded outside of standard redemption.\nGeographic restrictions may apply. The information and descriptions given about the travel rewards are based\non the inquiries made and are believed to be accurate, but we offer no warranty or representation on the\ninformation provided. You are responsible for ensuring that the name(s) on the reservation exactly match the\nidentification required. You or the reward recipient are responsible for any federal, state or local income or\nother taxes or other fees or gratuities, if applicable. Special requests can be made but are not guaranteed. Fees,\ntaxes and charges may apply, depending on the request.\nGovernment issued photo identification is required for all domestic travel. Additional identification such as a\nPassport, Visa and certain health requirements may be required for travel outside the United States. It is Your\nor the reward recipient\xe2\x80\x99s responsibility to obtain proper travel identification, documentation, and/or\ninoculations for the destination. It is Your or the reward recipients responsibility to consult with your Doctor for\nup-to-date medical travel information well before travel. You or the reward recipient is responsible for paying\nthe cost of any items required for travel. Certain restrictions may apply to travel certificates, tickets and\ndocuments. Travel certificates, tickets and documents are not exchangeable, refundable, transferable or\nredeemable for cash, and cannot be combined with any other discounts, coupons or rewards. If an electronic\nmethod of distribution is not applicable, all travel certificates, tickets and documents will be delivered via a\ntraceable method and will not be replaceable in the event of loss, destruction or theft. You may request travel\ncertificates, tickets and documents to be delivered by overnight carrier and You agree to pay the associated\nadditional delivery fees. To cancel or change travel reservations, if applicable and allowed by the specific\nSupplier, please call a travel representative. Cancellations or changes may result in Supplier imposed penalties\nand/or additional program fees which will be disclosed to You at that time. If Your travel reward is affected by\ninvoluntary cancellation due to weather, war, terrorism, epidemic outbreak, acts of civil unrest, natural\ndisasters, or other force majeure events, cancellation fees may be waived at the discretion of the Supplier. The\nSupplier will collect and remit taxes to the applicable taxing authorities. Taxability, the appropriate tax rate and\nthe type of applicable taxes vary greatly by Supplier. If a Supplier is located within a certain jurisdiction, the\ncharge to Your payment card for taxes and fees includes a tax that Montrose Travel is required to collect and\nsend to the jurisdiction owed on amounts retained as compensation for services. Montrose Travel is not able to\nfacilitate a rebate for applicable Goods and Services Tax ("GST") or Value Added Tax (\xe2\x80\x9cVAT\xe2\x80\x9d) if You are using\nServices to book international accommodations. Government imposed departure or entry taxes may not be\nincluded in ticket taxes. You or the reward recipient should be prepared to pay these taxes in cash at the travel\nlocation. If a travel award redemption results in a cardholder payment card charge, the card may be charged by\neither the Travel Supplier (e.g. Airline, Cruiseline) or by the Program Travel Rewards Provider, Montrose Travel,\nand appear on your statement as applicable (e.g. MT*BREAKAWAY AIR or MONTROSE TRAVEL). Depending on\nthe award and how many rewards you redeemed, the total cost charged to your payment card may appear as\nmore than one charge on your payment card statement. When combined, these separate card charges will equal\nthe total cost to be charged to your payment card for this award redemption, as authorized during the booking\n\n\x0cprocess for the award. These travel program rules, combined with the general program terms and conditions,\nand any other rules established by FirstRewards, constitute the full set of program rules.\nHotel Certificates/Gift Cards, once issued are non-refundable and non-cancelable. You are responsible for\nmaking hotel reservations. Check with the hotel regarding participation and availability at the time of\nreservation.\nCruise Rewards, once booked, are non-refundable and non-cancelable. All cruise Rewards must be booked at\nleast sixty (60) days prior to the requested sailing date. Cruise Rewards are based on double occupancy for an\ninterior cabin. At least one member sailing must be 21 years of age or older. Reservation changes are subject\nto change fees imposed by the cruise line. You are responsible for paying a $50.00 redemption fee at the time\nof redemption using your FirstRewards Mastercard.\nRental Car Travel Vouchers are valid at participating locations towards a rental made in accordance with the\nterms and conditions of the rental agreement. The renter must meet the age, credit, and driver qualifications\nin effect at the time and place of the rental and must meet the minimum standards of the rental company.\nAdvance reservations are recommended.\nCharitable Donations are administered by Tisbest. The FirstRewards Plus Program is not affiliated with\ntisbest.org or any of the charities available through them. Tisbest Gift Cards to be used for charitable giving\nthrough tisbest.org to your choice of charity. Donations are not tax deductible. Please refer to tisbest.org to\nreview full program details and any additional processing fees.\n\nExperiential travel and vacation packages are non-refundable and non-cancelable. You are responsible for\nmaking reservations and completing any requirements to complete the reservation. The FirstRewards Program\nis not responsible for any additional fees incurred related to booking or travel with a package.\nGift Cards, once issued are non-refundable and non-cancelable.\nTransaction Eraser once issued is non-refundable and non-cancelable. Eligible transactions are any transactions\nbetween $50 - $250 that have posted within the last 60 days.\nMerchandise, once ordered, can only be exchanged in the event that it arrives defective or damaged. Note any\ndamages or shortages on the delivery receipt before signing to accept delivery from the carrier. A merchandise\nReward that is received damaged or defective may be returned to the shipper for replacement within thirty (30)\ndays of delivery. All parts, instructions, warranty cards and original packaging materials must be returned with\nthe merchandise Reward. There is no redemption fee.\nApplicable manufacturers\xe2\x80\x99 or providers\xe2\x80\x99 warranties, if any, will be included with your merchandise Reward.\nWarranty claims must be directed to the manufacturer or provider, as applicable. FIRST INTERSTATE BANK,\nPROGRAM ADMINISTRATOR AND THEIR AFFILIATES MAKE NO REWARD, PRODUCT, OR MERCHANDISE\nREPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE\nCONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF REWARDS, PRODUCTS,\nMERCHANDISE AND/OR SERVICES PROVIDED THROUGH THIS FIRSTREWARDS PROGRAM. FIRST INTERSTATE\nBANK, PROGRAM ADMINISTRATOR AND THEIR AFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN REWARDS\nOR DAMAGES RESULTING FROM USE OF ANY REWARDS PROVIDED THROUGH THE FIRSTREWARDS PROGRAM.\n\n\x0cSHIPPING AND DELIVERY\nAny Reward that is shipped will ship UPS, USPS, or an accepted domestic delivery service and will usually be\ndelivered within 2-4 weeks after your order is processed. Shipments cannot be made to a post office box, an\nAPO address, or outside the 50 United States.\nCOMMUNICATIONS\nCurrent FirstRewards Point balances are available online to registered users at rewards.firstinterstate.com. First\nInterstate Bank may also communicate with you via mail, email, text message or telephone from time to time\nto alert you to special offers.\nDespite the FirstRewards Program\xe2\x80\x99s best efforts to ensure accuracy, printing and website errors may\noccasionally occur. First Interstate Bank reserves the right to correct such errors at any time.\nELIGIBILITY\nIf your FirstRewards Mastercard Account is past due, overdrawn, or otherwise not in good standing, as\ndetermined by First Interstate Bank, you will not be permitted to redeem FirstRewards Points and no\nFirstRewards Points will be credited to your FirstRewards Account. In addition, your FirstRewards Mastercard\nAccount may be terminated and you may be required to forfeit FirstRewards Points in your FirstRewards\nAccount.\nIf your FirstRewards Mastercard Account is closed for any reason, whether or not it is delinquent or in good\nstanding, all FirstRewards Points in the related FirstRewards Account will be forfeited.\nDISCLAIMER\nRewards are provided by Merchants who participate in the FirstRewards Program but are not affiliated with or\nsponsors of the FirstRewards Program. Fulfillment of Rewards is the sole responsibility of participating\nMerchants and First Interstate Bank is not responsible for the performance by any merchant, service provider,\nor common carrier. First Interstate Bank is not responsible for inaccuracies in FirstRewards Point accrual; lost,\nstolen or otherwise destroyed tickets, vouchers, certificates, gift cards, or merchandise; defective or damaged\nRewards; or damages or loss resulting from or arising in connection with the use of any Rewards.\nYou agree to hold First Interstate Bank and its affiliates, and any vendors or other providers associated with the\nFirstRewards Program harmless if Program Administrator fails to meet its contractual or other obligations,\nresulting in FirstRewards Program interruption or termination prior to your redeeming your FirstRewards Points\nor receiving your Rewards. You also agree to hold First Interstate Bank and its affiliates harmless if a\nFirstRewards Program Merchant files for bankruptcy, or otherwise goes out of business after you have\nredeemed your FirstRewards Points for a Reward from the Merchant but before you receive or use the Reward.\nTERMINATION OR CHANGES TO THE FIRSTREWARDS PROGRAM\nThe FirstRewards Program may be modified, suspended or cancelled, and the redemption value of already\naccumulated points may be changed at any time without notice and without restriction or penalty. Changes to\nthe FirstRewards Program may include, but are not limited to, modifications that affect point accrual and/or\nexpiration of FirstRewards Points based on the point term, age and expiration date of the selected options(s).\nReward orders must be received on or before the FirstRewards Program ends and/or any applicable\nFirstRewards Point expiration date. Contact First Interstate Bank for details on any current promotions affecting\nFirstRewards Point accrual or redemption options. FirstRewards Points may be forfeited due to Rules violations.\nFirst Interstate Bank may exercise its rights under this agreement at any time and a delay by First Interstate\nBank in exercising any right under these Rules does not mean that First Interstate Bank has waived that right.\nThis FirstRewards Program is void where prohibited or restricted by law. You are responsible for any applicable\nfederal, state or local taxes.\n\n\x0cThese Rules are subject to change at any time without notice. The most current version of these Rules is available\nat rewards.firstinterstate.com. The use of your Account following receipt of these Rules, and any changes to\nthe Rules made available to you will indicate your agreement to the Rules.\n\n\x0c\x0c\x0cEarn points every time you make a purchase with your First Interstate Bank FirstRewards\xc2\xae W o r l d Mastercard\xc2\xae. Use it\nfor all of your shopping and purchasing needs such as groceries and gas, to gifts, travel and paying bills. Your\npoints will add up fast, here\xe2\x80\x99s how:\n\nEarn 1 point for every dollar spent\nPoints cannot be earned on cash advances or balance transfers\nRedeem points your way with\n\n\xef\x82\xb7 Travel Rewards\xe2\x80\x94fly when you want, where you want with no restrictions. With the\nFirstRewards program you can fly on the airlines that operate in your own communities.\nPoints can also be redeemed for car rentals, hotel stays and cruises.\n\xef\x82\xb7 Gift Cards\xe2\x80\x94 Redeem points for gift cards to your favorite stores or as gifts for employees.\nChoose the gift card that lets you make purchases anywhere by redeeming for a First\nInterstate Bank Mastercard gift card.\n\xef\x82\xb7 Merchandise\xe2\x80\x94Choose merchandise rewards for your office. FirstRewards has a list of the\ntop name-brand merchandise for you to choose from. Can\xe2\x80\x99t find what you\xe2\x80\x99re looking for?\nChoose a Mastercard gift card to purchase the item you really want.\n\xef\x82\xb7 Charity Donations\xe2\x80\x94Help improve the world around you by redeeming points for a\ndonation to your favorite charity \xe2\x80\x93 nationally or locally\n\xef\x82\xb7 Transaction Eraser \xe2\x80\x93 Reward yourself when you want, where you want and how you want.\nUse your FirstRewards points to \xe2\x80\x9cerase\xe2\x80\x9d recent, eligible transactions from your statement.\n\nRedeem points by visiting https://rewards.firstinterstatebank.com or calling 1-888-216-2893. Get the most out of your\nFirstRewards card by checking out the FirstRewards website frequently to learn the latest on promotions and other\nreward opportunities.\nDon\xe2\x80\x99t want to remember another password? I-Bank Online Banking customers can access their account directly\nanytime they\xe2\x80\x99re logged in.\n\n\x0cWorld Mastercard\n\n\xc2\xae\n\nThe FirstRewards\xc2\xae World Mastercard\xc2\xae empowers you with the flexibility to explore the places and pursuits that\nmean the most to you. The combination of worldwide acceptance and valuable features means that you have the\nfreedom to do exactly what you want, whenever you feel like it. And travel-specific features and benefits give you the\nexceptional service you\'ve come to expect. Experience these benefits as a World Mastercard cardholder:\nMastercard Travel Services\xe2\x80\x94Luxury Hotels & Resorts Portfolio\xe2\x80\x94As a World Mastercard cardholder, you can now\nenjoy a portfolio of some of the finest hotels & resorts the world has to offer \xe2\x80\x94 all presenting you with an exceptional\nlodging experience. An experienced travel advisor will assist you with:\nExclusive Saving\xe2\x80\x94As a World Mastercard cardholder you get the Best Available Price* at the time of booking.\nRoom Upgrades\xe2\x80\x94Receive a complimentary upgrade to the next room category, based upon availability. If it is\navailable when you check-in, it\xe2\x80\x99s yours!\nEarly Check-In and Late Check-Out\xe2\x80\x94Receive extra time to enjoy the world\xe2\x80\x99s finest accommodations\xe2\x80\x94on the\nhouse. All hotels and resorts offer early check-in and late check-out, based upon availability.\nBreakfast for Two\xe2\x80\x94Enjoy a complimentary breakfast for two daily.\nUnique World Special Amenities\xe2\x80\x94Enjoy exclusive amenities as unique as the properties themselves. From a\nwelcome basket of fruits to a gourmet dinner, these amenities help make your experience outstanding.\nAmenities vary by property and are available at 5-star and select 4-star properties.\nNew Travel Promotions\nSail the Caribbean, bike through Italy, shop in Hong Kong or play in Vegas. Enjoy a world of special,\nlimited-time offers on lodging, cruises, vacation packages, tours, airlines and car rentals as a World Mastercard\ncardholder.\nMastercard Experiences and Offers\xe2\x80\x94Take a break from the everyday and reward yourself with something far from\ntypical. Mastercard Experiences and Offers opens the door to an array of valuable offers, upgrades,\nexperiences, and preferred access to suit your lifestyle. Take advantage of exceptional offers from upscale retailers and\nworld-class hotels and resorts. Escape from your daily routine by relaxing at a spa, going on a thrill-seeking adventure,\nor taking in a round of golf.\nVisit www.Mastercard.us/world for more details on these extraordinary advantages.\nAdditional terms, conditions and restrictions apply to each of the above benefits. For additional World Mastercard benefit details, terms, and conditions, please call the number on the\nback of your card or visit Mastercard.us/world. Travel-related services are provided by or through one or more travel service providers and such travel service providers and benefits are\nsubject to change at any time by Mastercard without notice. All benefits are subject to availability at the time of booking. Benefits are subject to terms and conditions unique to each\ntravel service provider and /or destination. All travel and benefits require purchase with your valid World Mastercard card. The goods and services described herein are offered and\nprovided by third party merchants and Mastercard is not responsible for any losses related to the offer, fulfillment or use of the goods or services.\nTerms and conditions: To take advantage of any World Mastercard travel benefits described here, you must book through Carlson Wagonlit Travel, Mastercard\xe2\x80\x99s designated travel\nagent for Mastercard Travel Services, and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Mastercard. One of the travelers must be\nthe holder of a valid World Mastercard card issued in the U.S., Puerto Rico, the U.S. Virgin Islands, or Mexico. All benefit travel must commence before 12/31/13 unless otherwise noted.\nAll benefits and offers are subject to availability and are subject to change or cancellation without notice. Benefits may generally be redeemed multiple times, subject to specific travel\nservice provider limitations, and are valid on new bookings only. Multiple World Mastercard travel benefits provided by Mastercard Travel Services may be booked, but such benefits may\nnot be combinable with a travel service provider\xe2\x80\x99s other offers.\n*Best Available Price for World Mastercard travel benefits described here across all categories, \xe2\x80\x9cbest available price at the time of booking\xe2\x80\x9d by the supplier is based on a comparison with\nregular, published prices, excluding discounts or negotiated rates not available to the general public, such as: membership, corporate, government, promotional, group, employee,\npackages, unpublished or rates only available on auction websites, phone only rates and same day mobile only rates. If within twenty-four (24) hours of a World Mastercard Cardholder\xe2\x80\x99s\noriginal reservation, Mastercard Travel Services is notified by Cardholder of a lower publicly-available rate that meets the exact criteria for the same supplier, Mastercard Travel Services\nwill contact the applicable supplier (including hotel, cruise line, car rental, tour company or airline) in an attempt to procure that same lower rate for the World Mastercard Cardholder, or\nthe World Mastercard Cardholder will be allowed to cancel his or her reservation, provided the World Mastercard Cardholder was not informed at the time of booking that the reservation\nwas non-refundable. With respect to airfares booked in the U.S., World Mastercard Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours.\nBlackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit Mastercard.us/world or contact\none of our travel advisors for additional program details and terms and conditions. Airline booking and other fees may apply. Carlson Wagonlit Travel, Mastercard, World Mastercard\nissuers and travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD MASTERCARD, MASTERCARD TRAVEL SERVICES and the Mastercard\nBrand Mark are registered trademarks of Mastercard International Incorporated. All rights reserved.\n\n\x0cCONVENIENCE BENEFITS\nLocal Customer Service\n\nReceive the service you\xe2\x80\x99ve come to expect with First Interstate Bank. Stop by your local\nbranch or call our Billings-based customer service center to make a payment or to ask\nquestions regarding your account. We work together to provide the quality service you\ndeserve. To take advantage of our local customer service call 1-888-833-3454 or simply\nemail us at creditcards@fib.com.\n\neZCardInfo.com\n\nStay in touch with your credit card account 24 hours a day, seven days a week.\neZCardInfo provides you with information and services that make your credit card\neasier to manage than ever before.\nWith the click of a mouse, view important information about your account including\nbalances, available credit, current and past statements and transaction information\nsince your last statement. You can also make your life simpler by signing up for\nelectronic statements or by paying your bill online Visit www.eZCardInfo.com to get\nstarted!\n\nDon\xe2\x80\x99t want to remember another password? I-Bank Online Banking customers can\naccess their account directly anytime they\xe2\x80\x99re logged into their First Interstate Bank\naccounts.\nSECURITY BENEFITS\nZero Liability\n\nHave peace of mind knowing that First Interstate Bank won\xe2\x80\x99t hold you responsible for\n\xe2\x80\x9cunauthorized purchases\xe2\x80\x9d on your Mastercard. Zero liability applies to purchases made\nin the store, over the telephone or online. Call toll free at 1-888-833-3454.\n\nMastercard\xc2\xae Global Service\n\nGet emergency assistance virtually anytime, anywhere and in any language.\nMastercard Global Service helps you report a Lost or Stolen Card, obtain an Emergency\nCard Replacement or Cash Advance, find an ATM location, and answer questions\nregarding your account. Call toll free at 1-800-MASTERCARD.\n\n24-Hour Cardholder Assistance\n\nReceive call center support 24/7 that can help you with account information, card\nactivation or reporting your card lost or stolen. Contact 1-888-833-3454.\n\nMastercard\xc2\xae SecureCode\n\nSecureCode helps ensure that only you can use your Mastercard when shopping\nonline. Using a private code tied specifically to your Mastercard account, SecureCode\nhelps prevent unauthorized purchases. For more details visit\nwww.Mastercard.us/securecode.\n\nID Theft Protection\n\nProvides you with access to a number of Identity Theft resolution services, should you\nbelieve you are a victim of Identity Theft. This product offering prevents identity theft\nby monitoring the Internet, indexed and not, searching for compromised credentials\nand potentially damaging use of cardholders\xe2\x80\x99 personal information in order to detect\nfraud at its inception.\n\nFraud Alert Management\n\nSecurity is a top priority at First Interstate Bank that\xe2\x80\x99s why we utilize a Fraud Alert\nManagement detection system which continuously monitors your First Interstate Bank\nMastercard activity to help identify and prevent fraudulent transactions on your\naccount.\nIf suspicious charges or transactions outside of your normal spending patterns appear\non your card, you may receive an automated phone call from Fraud Alert Management\non behalf of First Interstate Bank to verify the activity on your account. If the\nAutomated Call System cannot reach you, a temporary block may be placed on your\ncard until you validate the transaction/activity in question.\n\n\x0cSECURITY BENEFITS CONT.\nFraud Alert Management Cont.\n\nFor Fraud Alert Management support within the US call 1-800-437-9392. If you\xe2\x80\x99re\ntraveling or reside outside Canada or the US, you may obtain Fraud Alert Management\nsupport by calling collect at 1-727-227-2447.\n\nTRAVEL BENEFITS\nMaster RoadAssist\n\nObtain emergency roadside assistance such as jump-starts, tire changes, towing, and\ngas delivery if you get stuck on the road. Service fees are pre-negotiated and billed to\nyour First Interstate Bank Mastercard account. Contact 1-800-MASTERCARD for more\ninformation.\n\nMastercard AIRPORT CONCIERGE\xe2\x84\xa2\n\nEnjoy the experience of first class, luxury service at the airport. Mastercard Airport\nConcierge\xe2\x84\xa2 helps relieve some of the stress associated with air travel. As a World\nMastercard cardholder, you can arrange for a personal, dedicated \xe2\x80\x9cMeet and Greet\xe2\x80\x9d\nagent to escort you through the airport on departure, arrival, or any connecting flights.\nThere are also certain airports where you can be expedited through the security and/\nor immigration process. Available 24/7/365 at over 450 destinations worldwide,\nMastercard Airport Concierge is your passport to the finer side of air travel. Visit\nwww.Mastercard.com/airportconcierge for details.\n\nMasterAssist Travel Assistance\n\nReceive pre-trip information such as visa/passport requirements, immunization\ninformation, and help with lost/stolen travel documents and luggage. With\nMasterAssist, you\xe2\x80\x99ll have access to a referral network of physicians, attorneys, local\nembassies and consulates if you are traveling more than 100 miles from home. Contact\n1-800-MASTERCARD for more information.\n\nTravel Accident Insurance\n\nTravel more safely with Travel Accident Insurance. As an eligible cardholder, you and\nyour dependents are covered automatically with travel accident insurance when the\nentire travel fare is charged to your eligible Mastercard account while this insurance is\neffective.\nFor more details, please write to the Plan Administrator:\nFinancial Institution Marketing Group\nP.O. Box 31065\nTampa, FL 33631-3065\n\nSHOPPING BENEFITS\nPurchase Assurance\n\nProtect your purchases. Purchase Assurance provides coverage for most items you\npurchase using your Mastercard if the item is damaged or stolen within 90 days of the\npurchase. Call 1-800-MASTERCARD for more information.*\n\nPostmates\n\nPostmates helps people unlock the best of their cities\xe2\x80\x94and their lives, with an insanely\nreliable \xe2\x80\x9ceverything\xe2\x80\x9d network. Postmates is the first on-demand company\xe2\x80\x94helping\ncustomers in 650 US cities & Mexico get anything, anytime, anywhere. World\nMastercard cardholders receive a $5 discount on all orders over $25.\n\nShopRunner Program\n\nShopRunner is an online shipping service that helps its memebers save both time and\nmoney. ShopRunner members receive unlimited free two-day shipping and free return\nshipping on purchases at more than 140 online stores, including clothing, shoes,\nbeauty, electronics, home, gifts and more.\n\n* Certain terms, conditions and exclusions apply. Visit www.mycardbenefits.com for complete program details.\n\n\x0cACH AUTO PAYMENT AGREEMENT\nI (we) hereby authorize First Interstate Bank to initiate withdrawals from the account indicated below to pay on\ncredit card account number #\n.\nI (we) agree that your rights in respect to each withdrawal shall be the same as if it were a check drawn on my (our) account and\npersonally signed by either of us and that you shall be fully protected in honoring such a withdrawal. I (we) further agree that if any\nsuch withdrawal is dishonored with cause, First Interstate Bank shall be under no liability whatsoever if such dishonor results in late\ncharges or revocation of my (our) card. If funds are not available, this agreement is null and void immediately.\n\nCARDHOLDER NAME\nCITY\n\nSTATE\n\nZIP\n\nTRANSIT/ABA NO. __ __ __ __ __ __ __ __ __ Checking \xef\x81\xa3 Savings \xef\x81\xa3\n\nACCOUNT #\n\n(The first 9 numbers from the left at the bottom of your check are your Bank Routing Number.)\n\nIndicate the date each month the payment will be applied to the credit card account:*\n(Payment date cannot be between the 6th and 10th of the month.) If blank or if you have Special Billing\nOptions** payment date will default to the due date.\n\n*If payment falls on a weekend or holiday the payment applies on the following business day.\n**Special Billing Options are available for Business Customers only. Contact Payment Services for more information.\n\nThe amount of payment for my (our) credit card to be deducted monthly is (check one):\n\xef\x81\xa3 The minimum required payment amount or percentage as disclosed in the cardholder agreement,\n\n$20.00 dollars or 3%, whichever is greater.\n\n\xef\x81\xa3 The total unpaid balance of the account as of statement date.\n\xef\x81\xa3 Business customers only: The total balance due as of the statement cycle (credits received after\n\nstatement cycle will not lower the amount of payment applied. Credits will apply to the next month\xe2\x80\x99s\nbalance).\n\n\xef\x81\xa3 A fixed dollar amount which is greater than the minimum required payment but less than the full unpaid\n\nbalance. The fixed dollar amount to be withdrawn monthly is $ _______.____. Write out dollar amount.\n___________________________________dollars.\n\n\xef\x81\xa3 A fixed percentage of the balance which is greater than the minimum required payment but less than\n\nthe full unpaid balance. The fixed percentage of the unpaid balance to be withdrawn monthly is\n_________%. Write out percentage amount. _______________________________percentage.\n\nThis authority is to remain in full force and effect until I (we) provide First Interstate Bank requesting that a\nchange be made or termination of this agreement. Notification to change or terminate must be received 30 days\nprior to the date you would like the change or termination to take place.\nI (we) understand and agree that in order for First Interstate Bank to make payments requested in this authorization form,\nI (we) must have the payment amount available in my (our) account. I (we) further understand and agree that First\nInterstate Bank shall not be responsible for any act or failure to act on their part, except in the case of gross negligence or\nwillful misconduct. Furthermore, I (we) agree to hold First Interstate Bank harmless from any claims, liabilities, attorney\xe2\x80\x99s\nfees and other costs and expenses of any and every kind and nature which may be incurred by them by reason of their\nperformance under this Authorization Form.\n\nIn addition, I understand that it may take up to 30 days from the date this agreement is received for the\nACH transfers to take effect. I agree I am responsible for any payments during this time frame.\nCustomer Signature\n\nDate\n\nIf you have any questions, please call (888) 833-5434. Fax form to 406-255-5432, or scan and email to\ncreditcards@fib.com.\n\n\x0cSave Money on Higher Interest Credit Cards\nYes! I want to save money by transferring my higher interest rate credit card(s) to my First\nInterstate credit card. Please refer to the account terms and conditions for balance transfer\nrate and fee information.\n\nName: ___________________________ Phone: _________________________________\nAddress:__________________________City______________State______Zip__________\nFirst Interstate Credit Card Number # __ __ __ __ - __ __ __ __ - __ __ __ __ - __ __ __ __\nSignature: _______________________________________________________________\n\nCard Issuer #1 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #2 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nCard Issuer #3 : ________________________________ Account No. __________________________\nPayment Address: ___________________________________________________________________\nCity: ____________________ State: ________________ Zip: ________________\nAmount to be transferred: $ _____________________ Issuer\xe2\x80\x99s Phone No. ____________________\n\nUpon approval, it may take up to three weeks to post the balance transfer transaction. This means\nyou may need to make a payment to your current account to avoid late payment fees.\nReturn this balance transfer form to your local branch or mail to:\nFirst Interstate Bank\nCredit Card Division\nP.O. Box 30918\nBillings, MT 59116-0918\n\n\x0c'