VISA PLATINUM 
Important Terms and Conditions 
You must be a First Security Bank deposit or loan account customer to obtain this card. 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

0.00% introductory APR for the first 6 Monthly Billing Cycles.   
After that, your APR will be 8.49% to 18.49% based on your credit worthiness.  This 
APR will vary with the market rate based on the U.S. Prime Rate. 

APR for Balance 
Transfers 

0.00% introductory APR for the first 6 Monthly Billing Cycles.   
After that, your APR will be the standard APR for purchases and will be 8.49% to 18.49% 
based on your credit worthiness.   
This APR will vary with the market rate based on the U.S. Prime Rate. 

APR for Cash Advances 

23.49% 
This APR will vary with the market rate based on the U.S. Prime Rate. 

Penalty APR and When It 
Applies 

23.49% 
This APR may be applied to your account if you: 

1.  Make a late payment that causes you to become 90 days late; 
2.  Make a payment that is returned and causes you to become 90 days late; or 
3.  Make incomplete payment(s) that cause you to become 90 days late. 

How Long Will the Penalty APR Apply? If your APRs are increased because you are 90 
days late, the Penalty APR will apply until you make six consecutive minimum payments when 
due. 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance (purchases, cash advances, and 
balance transfers) by the due date each month.  We will begin charging interest on cash 
advances and balance transfers on the transaction date.    

Paying Interest 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $2.00 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: 
http://www.consumerfinance.gov/learnmore. 

Fees 
Annual Fee 

Transaction Fees 

None 

  Balance Transfer 
  Cash Advance 
  Foreign Transaction 

Either $10 or 5% of the amount of each transfer, whichever is greater.  
Either $10 or 5% of the amount of each cash advance, whichever is greater. 
1% of each transaction in U.S. dollars. 

Penalty Fees 

  Late Payment 
  Returned Payment 

Up to $29 
Up to $29 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  See your 
Credit Card Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit 
Card Agreement.

1 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
 
 
 
Important Information About Procedures For Opening A New Account: To help the government fight the funding 
of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and 
record information that identifies each person who opens an account. What this means to you: When you open 
an account, we will ask for your name, address, date of birth, and other information that will allow us to identify 
you. We may also ask to see your driver’s license or other identifying documents.  The information that is being 
requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related 
to implementing customer identification and verification requirements. 

Variable Rate Information: Unless an Introductory APR is in effect, the Purchase APR and Balance Transfer APR is 
determined by adding 4.99% - 14.99% to the U.S. Prime Rate.  The U.S. Prime Rate is subject to change monthly on the 
first day of each month and is the U.S. Prime Rate published in the “Money Rates” section of The Wall Street Journal on 
the last business day of the month. An increase or decrease in the U.S. Prime Rate will cause a corresponding increase 
or decrease in the variable rate on the first day of your billing cycle that ends on or after the date of the change. Your 
actual APRs will be determined based upon your creditworthiness and will be provided to you in writing. 

The rate on this card will not exceed Prime + 19.99%, which is currently 23.49%. 

The contained in this First Security Bank disclosure is accurate as of March 2016, and is subject to change thereafter. To 
find out what may have changed, visit our website at www.ourbank.com. 

2 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
 
FIRST SECURITY BANK 
208 East Main Street, Bozeman MT 59715 

CREDIT CARD AGREEMENT AND DISCLOSURE STATEMENT FOR YOUR VISA PLATINUM ACCOUNT 

Notice:  Read and retain this copy of your Agreement and Truth in Lending Disclosure for future reference. 

TERMS  USED  IN  THIS  AGREEMENT:  This  Agreement  and  Disclosure  Statement  (“Agreement”)  covers  your  VISA® 
PLATINUM Account (“Account”) shown above. In this Agreement, the words “you” and “your” mean any person who signs 
this Agreement or uses the Card. “We” “our” and “us” mean the financial institution named above. The “Card” means any 
credit card issued to you or those designated by you under the terms of this Agreement. “Use of the Card” means any 
procedure used by you, or someone authorized by you, to make a purchase or an advance whether or not the purchase or 
advance is evidenced by a signed written document. “Unauthorized use” means the use of your Card by a person, other 
than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. In 
this Agreement, any plural terms shall be deemed singular and any singular terms shall be deemed plural when context and 
construction so require. 

EXTENSION OF CREDIT: If your application is approved, we may, at our discretion, establish an Account in your name 
and cause one or more Cards to be issued to you or those designated by you. In such event, you authorize us to pay for 
your Account all items reflecting credit purchases, balance transfers, and cash advances obtained through use of the Card. 

JOINT APPLICANT LIABILITY: If this Agreement is executed by more than one person, each of you shall be jointly and 
individually liable to us for all charges made to the Account, including applicable fees. In addition, you agree that each of 
you designates the other as agent for the purpose of making purchases, cash advances or balance transfers under this 
Agreement and each use of your Account shall be an extension of credit to all.  Notice to one of you shall constitute notice 
to all. Any joint cardholder may remove him/herself from responsibility for future purchases at any time by notifying us in 
writing.  However, removal from the Account does not release you from any liability already incurred. 

CONVENIENCE CHECKS: We may issue checks at our discretion that may be used for any lawful purpose other than 
making a payment for credit to your Account. By signing such checks, you authorize us to pay the item for the amount 
indicated and post such amount as a cash advance to your Account. We do not have to pay any item that would cause the 
outstanding  balance  in  your  Account  to  exceed  your  credit  limit.  Charges  that  apply  in  connection  with  the  use  of 
convenience checks are as follows: Copy of Paid Check $5; Stop Payment on Check $15.  Fees will be assessed at the 
time they are incurred. In addition to periodic interest charges, use of convenience checks is subject to an additional fee 
which is disclosed under the “Cash Advance/Convenience Check Fee” section of this Agreement. There is no grace period 
for convenience checks. 

BALANCE TRANSFERS: Subject to your available credit, you will be able to transfer the balances of non-First Security 
Bank credit card accounts to your Account. If you request a balance transfer to be made, you should not rely on a balance 
transfer to be made by any particular date. Although most balance transfers will be made sooner, it could take up to four 
weeks before payment to your other account is made. Accordingly, you should continue to make all required payments on 
your other accounts until you confirm that the balance transfer has been made. Balance transfers may not exceed your 
available  credit.  Balance  transfers  will  be  processed  from  the  lowest  to  the  highest  dollar  amount.  If  a  balance  transfer 
coupon is more than your available credit limit, we will automatically lower the balance transfer amount to your available 
credit and complete the transfer. We will not close your other accounts, even if you transfer the entire balance. If you want 
to close your other accounts, you should contact the issuer directly. Transfer of a balance that contains disputed purchases 
or other charges may cause you to lose any dispute rights you may have with regard to those purchases or other charges. 
In  addition  to  periodic  interest  charges,  balance  transfers  are  subject  to  an  additional  fee  which  is  disclosed  under  the 
“Balance Transfer Fee” section of this Agreement. There is no grace period for balance transfers. 

OTHERS USING YOUR ACCOUNT: If you allow anyone else to use your Card, you will be liable for all credit extended to 
such persons. You promise to pay for all purchases, balance transfers, and cash advances made by anyone whom you 
authorize to use your Card, whether or not you notify us that he or she will be using it. If someone else is authorized to use 
your Card and you want to end that person’s privilege, you must notify us in writing, and if he or she has a Card, you must 
return the Card with your written notice for it to be effective. 

CREDIT LIMITS: You promise that payments we make for your Account resulting from use of the Card will at no time cause 
the outstanding balance of your Account to exceed your credit limit as established by us or as adjusted from time to time at 
our discretion.   

3 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
 
 
 
 
PROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers 
made by you or anyone whom you authorize to use the Card or Account; (b) interest charges and other charges or fees; (c) 
collection costs and attorney’s fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and 
(d) credit in excess of your credit limit that we may extend to you.  At the end of each monthly billing cycle for which you 
have a balance on your Account, you will be furnished with a periodic statement showing (i) the “Previous Balance” (the 
outstanding balance in the Account at the beginning of the billing cycle), (ii) the amount of all cash advances, purchases, 
balance transfers, Late Payment Fees, Returned Payment Fees, Annual Fees, interest charges, and other charges or fees 
posted to your Account during the billing cycle, (iii) the amount of all payments and credits posted to your Account during 
the billing cycle, and (iv) the “New Balance” which is the sum of (i) and (ii) minus (iii).  

You agree to pay on or before the “Payment Due Date” shown on the monthly periodic statement the entire New Balance 
or a Minimum Payment equal to an amount which is at least 1% of the New Balance or $25, whichever is greater, plus any 
unpaid fees and interest charges plus any amount in excess of the credit limit established by us and any past due minimum 
payments. If the New Balance is $25.00 or less, you agree to pay it in full. You may make extra payments in advance of the 
due date without a penalty, and you may repay any funds advanced, credit extended, or amount outstanding at any time 
without  a  penalty  for  early  payment.  Regardless  of  the  amount  of  any  extra  payment  during  a  given  month,  a  monthly 
payment will be required the following month if a balance remains in your Account. 

COST OF CREDIT: You will pay an interest charge for all advances made against your Account. The interest charge may 
include,  as  applicable,  a  minimum  interest  charge,  a  periodic  interest  charge  on  your  Account  balances,  and  certain 
transaction-based fees. Periodic interest charge for cash advances and balance transfers begin to accrue on the date of 
the advance and there is no grace period. New purchases will qualify for a grace period and will not incur periodic interest 
charges until the start of the next billing cycle if the Previous Balance on your statement (i) is zero, (ii) is a credit balance, 
or (iii) was paid in full by the Payment Due Date on your immediately preceding monthly statement. For new purchases that 
qualify for a grace period, you will pay no periodic interest charges on those new purchases if you pay the New Balance in 
full by the Payment Due Date shown on the billing statement on which those new purchases first appear. For new purchases 
that do not qualify for a grace period, interest charges will begin to accrue on the date of the advance. Prior to the expiration 
of any grace period, if you do not pay the New Balance in full, but pay a portion of the New Balance by the Payment Due 
Date for that monthly statement, you will pay no periodic interest charges on the purchases portion of the New Balance 
paid, but you will pay periodic interest charges on the purchases portion of the New Balance that remains unpaid. The 
Payment Due Date will be no less than 25 days after we have sent you your current monthly statement. 

Until the first day of the billing cycle that includes the 6-month anniversary date of the opening of your Account, you will pay 
an interest charge for purchases and balance transfers made at the Introductory Rate daily periodic rate of 0.0000%, which 
has a corresponding  ANNUAL PERCENTAGE RATE  of 0.0000%. Thereafter, and for cash advance transactions at all 
times, including during the Introductory Rate period, you will pay an interest charge for all advances at a periodic rate which 
is based on an Index (the “Index”) which is the U.S. Prime Rate published in the “Money Rates” section of The Wall Street 
Journal on the last business day of the month. The Index is subject to change monthly on the first day of each month.  An 
increase or decrease in the Index will cause a corresponding increase or decrease in the variable rate on the first day of 
your billing cycle that ends on or after the date of the change. The ANNUAL PERCENTAGE RATE for any given billing 
cycle will be the Index plus 4.99% - 14.99%.  As of March 2016, the Standard Rate daily periodic rate for your Account is 
8.49% - 18.49%, depending upon your credit worthiness, and the corresponding ANNUAL PERCENTAGE RATE is 8.49% 
- 18.49%, depending upon your credit worthiness.  An increase in the Index will result in an increase in the periodic rate 
which, in turn, will result in higher interest charges and higher minimum payments.  

If at any time your Account is 90 days or more past due, the rate will increase to a Penalty APR daily periodic rate of 23.49%, 
which has a corresponding ANNUAL PERCENTAGE RATE of 23.49%. The Penalty APR may be adjusted to the current 
Standard Rate after payment have been made as required for six consecutive months. 

HOW WE CALCULATE YOUR BALANCE AND INTEREST CHARGE ON BALANCES: We figure the periodic interest 
charge on your Account by applying the applicable daily periodic rate to the Average Daily Balance of your Account for each 
feature  category,  including  certain  current  transactions.  Feature  categories  include  purchases,  balance  transfers,  cash 
advances  and  promotional  balances.  These  calculations  may  combine  different  feature  categories  with  the  same  Daily 
Periodic Rates. The Average Daily Balance for each feature category is arrived at by taking the beginning balance of such 
feature category each day and adding any new transactions to the balance, except we will not include new purchases if you 
have paid in full the New Balance on your previous statement by the Payment Due Date or if the New Balance on your 
previous statement was zero or less. We then subtract any payments or credits and unpaid interest charges and finance 
charges allocated to the feature category balance for the day. This gives us the daily balance for such feature category. 
The daily balances for such feature category are then added together and divided by the number of days in the billing cycle. 
The result is the Average Daily Balance for such feature category. The periodic interest charge for each feature category is 

4 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the applicable 
Daily Periodic Rate. 

CREDITING OF PAYMENTS: We do not charge for payments made by standard mail service or other standard payment 
methods that we accept. If we charge a fee for any expedited payment service we offer, that fee will be disclosed to you at 
the time you request the service. All payments made on your Account at the address designated for payment on the monthly 
periodic statement or by way of any other approved payment methods generally will be credited to your Account on the date 
of receipt.  If the date of receipt for a mailed payment is not a business day, the payment may not be credited until the first 
business day following receipt.  Payments received in person by one of our branch employees before the close of business 
will receive same-day credit. If payment is made at any location other than the address designated on the periodic statement 
or any other standard payment method we accept, credit for such payment may be delayed up to five days.  

All payments on your Account will be applied first to collection costs, then to any interest charge and other fees due, and 
then  to  the  unpaid  principal  balance.  If  your  payments  exceed  the  Total  Payment  Due  shown  on  your  current  monthly 
statement, we generally will apply the excess amount first to the balances subject to the highest interest rate. This will result 
in balances with higher ANNUAL PERCENTAGE RATES being paid before any other existing balances. Interest paid or 
agreed  to  be  paid  shall  not  exceed  the  maximum  amount  permissible  under  applicable  law,  and  in  any  contingency 
whatsoever, if we shall receive anything of value deemed interest under applicable law which would exceed the maximum 
amount of interest permissible under applicable law, the excessive interest shall be applied to the reduction of the unpaid 
principal amount or refunded to you. 

MINIMUM  INTEREST  CHARGE:  There  is  a  minimum  interest  charge  of  $2.00  for  any  billing  cycle  in  which  a  periodic 
interest charge is due. 

CASH ADVANCE/CONVENIENCE CHECK FEE: If you take a cash advance or use a convenience check provided by the 
Bank, there will be a Cash Advance/Convenience Check Fee. The Cash Advance/Convenience Check Fee is equal to 5% 
of the cash advance, but not less than $10. 

BALANCE TRANSFER FEE: For balance transfers, there is a Balance Transfer Fee. The Balance Transfer Fee is equal 
to 5% of the balance transfer but not less than $10. 

LATE PAYMENT FEE:  We will add a Late Payment Fee to your Account balance for each billing period you fail to pay the 
Current Minimum Amount Due plus any Past Due Amount within 10 days of the due date shown on your current statement.  
The fee will be assessed as follows: we may charge a fee equal to the lesser of the amount of your Minimum Payment Due 
or $25, except the amount of any subsequent Late Payment Fee assessed during the next 6 billing cycles after a Late 
Payment Fee is assessed will be equal to the lesser of the amount of your Minimum Payment Due or $29. 

RETURNED PAYMENT FEE: We will charge you a Returned Payment Fee each time you make a payment that is returned 
unpaid for any reason. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon 
resubmission. The fee will be assessed as follows: the first time your payment is returned, a Returned Payment Fee equal 
to the lesser of the amount of your Minimum Payment Due or $25 will be assessed; if another payment is returned during 
the next six billing cycles, a Returned Payment Fee equal to the lesser of the amount of your Minimum Payment Due or $29 
will be assessed. 

LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. You will not be liable for 
unauthorized use of your Card after you notify us orally or in writing at the Credit Card Center, PO Box 815909, Dallas, TX 
75381-5909, telephone number (800) 442-4757, of the loss, theft, or possible unauthorized use of your Card. The foregoing 
liability limitation does not apply if you are grossly negligent or fraudulent in the handling of your Account or your Card, nor 
does it apply in the case of cash advances obtained at an ATM.  In any case, your liability for unauthorized use will not 
exceed  $50 and  you will  not  be  liable for  any  unauthorized use  that  occurs  after  you  notify  us  (or  our  designee)  at  the 
address or telephone number above. 

DEFAULT:  You will be in default: (1) if you fail to make any required payment on time; (2) if you exceed your authorized 
credit limit; (3) if you fail to keep any promises you have made under this or any other agreement with us; (4) if you become 
insolvent or are the subject of an order of relief under Title 11 of the U.S. Code (Bankruptcy); (5) if you die; (6) if anyone 
tries, by legal process, to take any of your money maintained with us; (7) if you have given us false or misleading information 
in obtaining your Card or in connection with any credit update; (8) if we reasonably believe that you are unable or unwilling 
to repay your obligations to us; or (9) if you use your Card or Account for any illegal transaction. 

5 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
  
 
ACCELERATION:  If you are in default, without notice to you we may accelerate your debt and call any amounts you owe 
immediately due and payable, plus interest charges and fees which shall continue to accrue until the entire amount is paid.  
You expressly waive any right to notice of our intention to accelerate and notice that your debt has been accelerated. 

TERMINATION AND CHANGES:  You may terminate this Agreement, by written notice, as to future advances at any time. 
We can terminate this Agreement at any time subject to such notice as may be required by applicable law. Termination by 
either party shall not affect your obligation to repay any payments made for your Account resulting from use of the Card as 
well as interest charges and other related charges.  We may add to, change, or delete the terms of this Agreement, including 
the periodic rate, at any time subject to such notice as may be required by applicable law.  If you use your Card or Account 
to make a purchase or cash advance or balance transfer after having been given notice of a change in terms, you agree 
that the existing balance in your Account at the time of that use will be subject to the new terms, as shall subsequent uses. 

RECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF AGREEMENT:  By using the Card, you agree to all 
the terms and conditions and promise to perform all the obligations, requirements, and duties contained in this Agreement, 
and you acknowledge receipt of a copy of this Agreement. 

CONSENT TO CONTACT YOU: You agree that we (and our affiliates, agents, and contractors) may monitor or record any 
calls between you and us.  You agree that we (and our affiliates, agents, and contractors) may contact you to service your 
account  or  to  collect  amounts  you  owe  us  using  all  media,  including  voice,  text  messaging,  and  email,  and  all  contact 
information you provide to us, including any cell phone telephone number and email address you provide to us. You agree 
that we may use automated equipment to dial your telephone number or to deliver pre-recorded messages to you. You may 
limit this consent based on the options we may provide by calling our Card Services department. Any charges for contacting 
you that may be billed to you by your communications carrier are your responsibility. 

CREDIT INVESTIGATION:  In conjunction with your application for credit and, if approved, maintenance of your Account, 
you  agree  that  we  have  the  right  to  investigate  your  credit  and  employment  history,  to  verify  your  credit  references,  to 
request and use credit reports, and to report the way you pay your Account to credit bureaus and other interested parties. 

NOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING AGENCIES:  We may report 
the status and payment history of your Account to credit reporting agencies each month. If you believe that the information 
we have reported is inaccurate or incomplete, please notify us in writing at the address shown below in this Agreement. 
Please include your name, address, home telephone number and Account number. 

ILLEGAL TRANSACTIONS: You may not use your Card or Account for any illegal transaction. You agree that we may 
decline to process any transaction that we believe in good faith to be for an illegal purpose. You agree that we will not be 
liable for declining to process any such transaction. If we do process any transaction that ultimately is determined to have 
been  for  an  illegal  purpose,  you  agree  that  you  will  remain  liable  to  us  under  this  Agreement  for  any  such  transaction 
notwithstanding its illegal nature. You agree that any illegal use of the Card or Account will be deemed an act of default 
under this Agreement. You further agree to waive any right to take legal action against us for your illegal use of the Card or 
Account and to indemnify and hold us and VISA International, Inc. harmless from  and against any lawsuits, other legal 
action, or liability that results directly or indirectly from such illegal use.  

INTERNATIONAL TRANSACTIONS: If you effect an international transaction with your VISA Card, the rate of exchange 
between the transaction currency and the billing currency used for processing the international transaction will be a rate 
selected by VISA from the 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; and in each instance, plus a Foreign Transaction Fee of 1% of each transaction in U.S. dollars. The Foreign 
Transaction Fee will apply to all international purchase, cash disbursement, and account credit transactions, even if there 
is no currency conversion. There is no grace period within which to repay international transactions in order to avoid paying 
the Foreign Transaction Fee. 

COLLECTION CHARGES: In the event we refer your Account to an attorney who is not our salaried employee, you agree 
to pay all charges and expenses, including court costs, reasonable attorney’s fees, and litigation expenses, to the extent 
permitted by applicable law.  

APPLICABLE LAW: No matter where you live, this Agreement and your Account are governed by the laws of the United 
States  and,  to  the  extent  not  preempted  by  federal  law,  the  State  of  Montana.  We  extend  credit  to  you  from  Montana 
regardless of where you live or use your Account.  Any action or proceeding seeking to enforce any provision of, or based 
on any right arising out of, this Agreement may be brought against any of the parties only in the courts of Montana, and 

6 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
 
 
 
 
each of the parties hereto consents to the jurisdiction of such courts (and of the appropriate appellate courts) in any such 
action or proceeding and waives any objection to venue laid therein. 

ADDITIONAL PROVISIONS:  Each provision of this Agreement must be considered part of the total Agreement and cannot 
in any way be severed from it. However, if any provision of this Agreement is finally determined to be void or unenforceable 
under any law, rule, or regulation, all other provisions of this Agreement will remain valid and enforceable. All changes to 
this agreement must be made in writing. We do not warrant any merchandise or services purchased by you with the Card.  
All purchases and cash advances are extended at the option of the merchant or cash-advancing financial institution and we 
are not responsible for the refusal of any merchant or financial institution to honor your Card. The Card remains our property 
at all times and you agree to immediately surrender the Card to us upon demand.  You agree to pay all reasonable costs of 
collection, including court costs and attorney’s fees, and any costs incurred in the recovery of the Card. We can accept late 
payments or partial payments, or checks or money orders marked “payment in full” without losing any of our rights under 
this Agreement.  We can also waive or delay enforcing any of our rights under this Agreement without losing our right to 
enforce  them  in  the  future.    You  expressly waive  presentment  for  payment,  demand,  protest,  and  notice  of  protest and 
dishonor of same.  You agree to give us prompt notice of any change in your name, mailing address, telephone number or 
place of employment. You may not transfer or assign your Account or this Agreement to any other person. We may assign 
or  transfer  your  Account,  your  Account  balance,  or  this  Agreement  to  another  person,  who  will  have  all  of  our  rights 
hereunder. This Agreement is binding on your heirs and legal representatives. 

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 our designee at:  

First Security Bank 
c/o Credit Card Center  
P.O. Box 815909  
Dallas, TX 75381-5909 

In your letter, give us the following information:  

  Account information: Your name and account number.  
  Dollar amount: The dollar amount of the suspected error.  
  Description of problem: If you think there is an error on your statement, 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 your 

statement 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.  

7 

3/15/2016 First Security Bank 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  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 statement 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 statement. 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:  

First Security Bank 
c/o Credit Card Center  
P.O. Box 815909  
Dallas, TX 75381-5909 

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. 

CUSTOMER SERVICE: 1-800-442-4757 – 24 hours a day/7 days a week. (Please have Account information available.)  

8 

3/15/2016 First Security Bank