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 April 1, 2012 . 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 31021, Tampa, FL 33631-3021.

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

continued on next page...

 
 
 
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. 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