IMPORTANT CREDIT CARD DISCLOSURES  
The  following  disclosure  represents  important  details  concerning  your  credit  card.  The  information  about  costs  of  the  card  are 
accurate as of Oct. 1, 2011 . You can contact us toll free at (800) 288-3425 or P.O. Box 6817, Rochester, MN 55903-6817 to inquire 
if any changes occurred since the effective date.  

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR) 
for Purchases 

8.75% - 10.75% 
depending on your credit history.  
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

8.75% -10.75% depending on your credit history. This APR will vary with the market 
based on the Prime Rate.  

APR for Balance Transfers 

8.75% -10.75% depending on your credit history. This APR will vary with the market 
based on the Prime Rate.  

How to Avoid Paying Interest on 
Purchases 

Your due date is at least 21 days after we mail your billing statement. We will not charge 
you interest on purchases if you pay your entire new purchase balance by the due date 
each month.  

Minimum Interest Charge 

None  

For Credit Card Tips from the 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard 

FEES:

Fees to Open or Maintain your
Account

  Annual Fee:
  Application Fee:
Inactivity Fee:

None 
None 
None 

Transaction Fees

  Balance Transfer:
  Cash Advance:
  Foreign Transaction:

Penalty Fees

  Late Payment:
  Over-the-Credit Limit:
  Returned Payment:

None 
None 
1% of each transaction in U.S. dollars if the transaction involves a currency conversion 
1% of each transaction in U.S. dollars if the transaction does not involve a currency 
conversion 

Up to $19.00 if your payment is more than 10 days late 
None 
None 

Other Fees

  Statement Copy:
  Visa Sales Receipt Copy  

(30 days to receive):

$2.00 
$5.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  

9009 LASER IH FI14441 Rev 8-2010 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Think VISA Credit Card Agreement  

Please retain for personal records

This is your VISA Credit Card Agreement. This 
agreement, together with the Truth-in-Lending Statement, 
sets forth the terms and conditions of your Account.

This agreement covers the Visa Credit Card Account 
issued by Think Mutual Bank ("Think"), a federally 
chartered thrift with its main office located in Rochester, 
MN. In this Agreement, the words "you," "your," "yours," 
and "cardholder," mean any person who signs the 
Application for this account, any joint party, guarantor, 
authorized user, or the person whose name is embossed 
on the card. The words "we," "us," and "our" mean Think. 
"Account" or "Account Information" means your Visa Card 
Account with us. The word "Card" means any one or 
more credit cards issued under this Account. If you sign 
the Master Application/Credit Plan for this Account or sign 
or use any Card or PIN, or allow others to use the Card 
or PIN, you and they will have accepted this Agreement 
just as if you and they signed it, and you and they, jointly 
and severally, will be bound by the following terms and 
conditions which will govern this Account.

SECURITY: YOU SPECIFICALLY GRANT US A 
CONSENSUAL SECURITY INTEREST IN ALL 
INDIVIDUAL AND JOINT ACCOUNTS YOU 
HAVE WITH US NOW AND IN THE FUTURE TO 
SECURE REPAYMENT OF CREDIT EXTENDED 
UNDER THIS AGREEMENT. YOU ALSO AGREE 
THAT WE HAVE SIMILAR STATUTORY LIEN 
RIGHTS UNDER APPLICABLE STATE AND/
OR FEDERAL LAW. THE GRANTING OF THIS 
SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS 
AGREEMENT. IF YOU ARE IN DEFAULT, 
WE CAN APPLY YOUR DEPOSITS TO THE 
AMOUNT YOU OWE. Deposits in an Individual 
Retirement Account or any other account that 
would lose special tax treatment under state or 
federal law if given are not subject to this security 
interest.

If you have other loans with us, collateral securing 
such loans may also secure your obligations under 
this Agreement, unless that other collateral is 
your principal residence or non-purchase money 
household goods.

1. EFFECT OF AGREEMENT
This Agreement is the contract which applies to all 
transactions on your Account even though the sales, cash 
advance or credit slips you sign or receive may contain 
different terms. Subject to applicable law, we may amend 
this Agreement including, but not limited to, changing 
the rate or method of determining the Interest Charge, 
by sending you the advance written notice required by 
law. To the extent the law permits, and we indicate in our 
notice, amendments will apply to your existing Account 
balance as well as to future transactions.

2. RESPONSIBILITY
If we issue a Card you agree to repay all debts and 
the Interest Charge and fees and charges arising from 
the use of the card and Account. For example, you are 
responsible for charges made by anyone else to whom 
you give the card or card number, and this responsibility 
continues until the card is recovered. You cannot disclaim 
responsibility by notifying us, but we will close the 

Account for new transactions if you so request and return 
all cards. Your obligation to pay the Account balance 
continues even though an agreement, divorce decree 
or other court judgment, in which we are not a party, 
may direct you or one of the other person's responsible 
to pay the Account. Any person using the card is jointly 
responsible with you for charges he or she makes; if that 
person signs the card, he or she becomes a party to this 
agreement and is also jointly responsible for all charges 
on the Account, including yours.

3. INTEREST CHARGE

You can avoid the Interest Charge on purchases by 
paying the full amount of the New Balance of Purchases 
each month within 25 days of your statement closing 
date. Otherwise, the New Balance of Purchases, and 
subsequent purchases from the date they are posted 
to your Account, will be subject to an Interest Charge. 
Cash advances, which include balance transfers, are 
always subject to Interest Charges from the date they are 
posted to your Account. The Interest Charge (ANNUAL 
PERCENTAGE RATE) is calculated by adding a spread 
or margin based on your creditworthiness to the Prime 
Rate (the "index") in effect on the first business day of 
the month immediately preceding January 1, April 1, July 
1 and October 1. The Interest Charge will be applied to 
the average daily principal balances of purchases and 
cash advances of your Account. If the Index increases 
or decreases, the ANNUAL PERCENTAGE RATE and 
monthly periodic rate will increase or decrease for all 
existing balances on each January 1, April 1, July 1 and 
October 1. Because your Minimum Payment remains 
the same, any increase in the ANNUAL PERCENTAGE 
RATE will increase the number of your payments, but will 
not increase the amount of your payments. There is no 
maximum ANNUAL PERCENTAGE RATE, except that 
the ANNUAL PERCENTAGE RATE will not exceed the 
highest permitted by applicable law. We figure the Interest 
Charge on your Account by applying the periodic rate to 
the "average daily balance" of your Account (including 
current transactions). To get the "average daily balance" 
we take the beginning balance of your Account each day, 
add any new purchases, cash advances, but excluding 
unpaid interest charges, and subtract any payments or 
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 number of days in the billing cycle. This gives 
us the "average daily balance".

Other Fees and Charges: In addition to the interest 
charges discussed above, other charges will be  
applicable to your Account. Please refer to your Truth-in-
Lending Statement.

4. MONTHLY STATEMENTS AND PAYMENTS 
Each month if your balance exceeds $1.00 or there was 
activity  on  your  Account,  we  will  send  you  a  statement 
showing account activity, transactions, fees, and minimum 
payment requirement. Every month you must at least pay 
the Minimum Payment required on or before the payment 
due  date  as  shown  on  your  monthly  statement.  You 
may  pay  more  frequently,  pay  more  than  the  Minimum 
Payment, or pay the Total New Balance in full, and reduce 
the  Interest  Charge  by  doing  so. The  Minimum  Payment 
will  be  disclosed  on  your  Truth-in-Lending  Statement. 
We will apply your payments in the following order: 1) to 
all  collection  penalties  and  other Account  fees,  2)  to  the 

previously billed and unpaid Interest Charge on purchases, 
3) to the previously billed and unpaid Interest Charges on 
cash advances, 4) to cash advances, 5) to previously billed 
purchases, 6) to new transactions, whether or not billed on 
the monthly statement. However, any payment equal to, or 
greater than, the minimum payment due will be applied first 
to that balance with the highest ANNUAL PERCENTAGE 
RATE.  You  will  be  responsible  for  all  matters  shown  on 
each monthly statement unless you notify us in writing of 
any dispute within 60 days after the statement date in the 
manner  required  by  "Your  Billing  Rights"  section  of  this 
agreement. Payments can be mailed to Think Mutual Bank, 
P.O. Box 6817, Rochester, MN 55903-6817. 

5. DEFAULT
You will be in default if you fail to make any Minimum 
Payment on or before your payment due date. You will 
be charged a late fee if a payment is not received within 
10 days of the payment due date. You will also be in 
default if 1) your ability to repay us is materially reduced 
by a change in your employment or an increase in 
your obligations, 2) there are bankruptcy or insolvency 
proceedings involving you, 3) you die, 4) you make a 
misrepresentation in connection with your Account, 5) you 
default on any obligation to us, under this Agreement or 
otherwise, 6) you cancel your membership with us, 7) you 
exceed your Line-of-Credit. We have the right to demand 
immediate payment of your full Account balance if you 
are in default. You specifically authorize us to deduct all 
or any part of the amount in default from any deposit 
account in which you have an ownership interest, unless 
prohibited by applicable law. If permitted by law, you will 
also be required to pay our collection expenses, including 
court costs and reasonable attorneys' fees.

6. LOST CARD NOTIFICATION
If you believe your Card or Account Information has 
been lost or stolen, you should immediately call VISA 
at 1-866-839-3485. This is a 24 hour access number, 
however, if you are unable to reach this number, please 
call us at 1-800-288-3425. Our address is P.O. Box 5949, 
Rochester, MN 55903-5949. Notification that your card 
has been lost or stolen may be given by telephone or an 
in-person visit to Think.

7. LIABILITY FOR UNAUTHORIZED USE
You may be liable for the unauthorized use of your 
Card. You may be liable if the Personal Identification 
Number (PIN) is written on the card. You will not be 
liable for any unauthorized use of your Card that occurs 
after you notify us orally or in writing of the loss, theft 
or possible unauthorized use. In any case, your liability 
will not exceed $50.00. If you notify us orally, you should 
confirm your loss by writing us at Credit Card Security 
Department

Attn. Fidelity - Customer Service  
P.O. Box 30495  
Tampa, FL 33630

8. CREDIT LINE
If we approve your application, we will establish a Line-
of-Credit for you and notify you of its amount when we 
issue the Card. You agree not to let the Account balance 
exceed this approved Line-of-Credit. Each payment you 
make on the Account will restore your Line-of-Credit by 
the amount of payment which is applied to the principal. 

continued on next page...

 
 
 
By giving you written notice we may reduce your Line-of-
Credit at any time. We may also, with good cause, revoke 
your Card and terminate this Agreement. Good cause 
includes your failure to comply with this Agreement, 
or our adverse re-evaluation of your credit worthiness. 
You may also terminate this Agreement at any time, but 
termination by either of us does not affect your obligation 
to pay us the Account balance. The Cards remain our 
property and you must get back and return to us all Cards 
upon our request and upon termination of this Agreement. 
"Line-of-Credit" may also be called Credit Limit in this 
Agreement and in your monthly statement.

9. CREDIT INFORMATION
You authorize us to investigate your credit standing 
when opening, renewing or reviewing your Account, and 
you authorize us to disclose information regarding your 
Account to credit bureaus and other creditors who ask us 
about your credit standing.

10. USING THE CARD
You may use the card issued to you to make purchases 
in person, by mail, by telephone, or by Internet from 
merchants and others who accept VISA credit cards. 
In addition, you may obtain cash advances from Think, 
from other financial institutions participating in the VISA 
program and from ATMs (automated teller machines) that 
participate in the ATM VISA program. You will need to 
use your PERSONAL IDENTIFICATION NUMBER (PIN) 
to obtain a cash advance from an ATM. Cash advances 
from ATMs may not exceed a total of $510 per day. 
Any transaction which would cause the daily limit to be 
exceeded may be refused. You agree that all transactions 
that you initiate by use of your VISA Credit Card Account 
are legal in the jurisdiction where you live and/or where 
the transaction occurred. You agreed to repay according 
to the terms of this Agreement all transactions you initiate 
by use of your Credit Card Account whether deemed 
legal or illegal. 

11.  RETURNS AND ADJUSTMENTS
Merchants and others who honor the Card may give 
credit for returns or adjustments, and they will do so by 
issuing a credit slip which will be posted to your Account. 
If your credits and payments exceed what you owe us, 
we will apply this credit balance against future purchases 
and cash advances to your Account. If this credit balance 
is $1.00 or more, we will refund it per your written 
request. A credit balance will automatically be refunded to 
you after 4 billing cycles.

12. FOREIGN TRANSACTIONS; CURRENCY 
CONVERSIONS  
Purchases and cash advances made in foreign 
currencies will be billed to you in U.S. dollars. 
Transactions processed outside of the United States will 
be charged a foreign transaction fee in an amount to be 
determined by Think, regardless of whether there is a 
currency conversion associated with the transaction. The 
conversion rate in dollars will be a rate selected by VISA 
from a range of rates available in wholesale currency 
markets for the applicable central processing date, which 
rate may vary from the rate VISA itself receives, or the 
government-mandated rate in effect for the applicable 
central processing date in each instance. A foreign 
transaction is any transaction that you  complete or a 
merchant completes on your card outside of the U.S., 
Puerto Rico or the U.S. Virgin Islands; this may include 
internet transactions.

13. PLAN MERCHANT DISPUTES
We are not responsible for the refusal of any VISA plan 
merchant or financial institution to honor your Card. 
We are subject to claims and defenses (other than tort 
claims) arising out of goods or services you purchase 
with the Card only if you have made a good faith attempt, 
but have been unable to obtain satisfaction from the 

VISA plan merchant, and 1) your purchase was made in 
response to an advertisement we sent or participated in 
sending you; or 2) your purchase cost more than $50.00 
and was made from a VISA plan merchant in your state 
or within 100 miles of your home. Any other disputes 
must be resolved by you directly with the VISA plan 
merchant.

14. COPY RECEIVED
You acknowledge receipt of a copy of this Agreement.

15. CREDIT INSURANCE
Credit life and/or credit disability insurance is voluntary 
and not a condition of opening a VISA account. You will 
only have this coverage if you apply for the coverage, 
meet the eligibility requirements, and agree to pay the 
premiums. You will receive a Certificate of Insurance 
each time you elect the insurance. The premium will be 
charged and collected monthly and will become part of 
your minimum monthly payment. You authorize Think to 
add the monthly premium to your outstanding balance, 
upon which interest will accrue. Purchase of credit 
insurance will increase your minimum monthly payment or 
extend the time in which your outstanding balance is paid 
off. If you fail to pay the insurance premiums, Think may 
cancel the coverage or, at its option, pay the premiums 
and add them to your outstanding balance, upon which 
interest will accrue. You may cancel coverage at any time 
by informing Think of the intent to do so. Think retains a 
portion of the premium (or a portion is paid back to Think 
by the service provider) as compensation for making this 
service available. See Certificate for specific terms and 
conditions of the insurance contract.
____________________________________________

YOUR BILLING RIGHTS
KEEP THIS DOCUMENT FOR FUTURE USE 
____________________________________________

This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to 
us on a separate sheet at: Fidelity - Customer Service, 
P.O. Box 30495, Tampa, FL 33630.
In your letter, give us the following information:

1. Your name and account number.
2. The dollar amount of the suspected error.
3. 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:
-   Within 60 days after the error appeared on your 

statement.

-   At least 3 business days before an automated 

payment is scheduled, if you want to stop payment on 
the amount you think is wrong.

You 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.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. 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.

2. Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the 
bill is correct.

While we investigate whether or not there has been 
an error:
-   We cannot try to collect the amount in question, or 

report you as delinquent on that amount.

- The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.

-   While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
-   We can apply any unpaid amount against your credit 

limit.

After we finish our investigation, one of two things 
will happen:
-   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.

-   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 payment is due. We 
may then report you as delinquent if you do not pay 
the amount we think you owe.

If 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 that you 
are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has 
been settled between us.

If 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.

Your Rights If You Are Dissatisfied With Your Credit 
Card Purchases 
If 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 remaining amount 
due on the purchase. To use this right, all of the following 
must be true:

1. 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 was based on an advertisement we mailed 
to you, or if we own the company that sold you the 
goods or services.)

2. 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.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still 
dissatisfied with the purchase, contact us in writing at 
the address(es) listed on your statement. While 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 may report you as 
delinquent.

LASER IH FI12387 Rev 5-2010