First International Bank & Trust 
Badlands Visa & MasterCard Account Disclosure 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases, 
Convenience Checks and 
Balance Transfers 
APR for Cash Advances 

18.00% 

0.00% introductory APR for 12 months. 
After that, your APR will be 14.88%. 

Paying Interest 

Minimum Interest Charge 

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
interest on purchases, convenience checks, and balance transfers if you pay your entire balance 
by the due date each month.  We will begin charging interest on cash advances on the 
transaction date. 
If you are charged interest, the charge will be no less than $1. 

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.  

Payment Information 
All payments made on a Business charge card are due when the periodic statement is received. 
Fees 

Annual Fee 

None 

Transaction Fees 

 

 

Cash Advance 

Either $5 or 3% of the amount of each cash advance, whichever is greater. 

Foreign Transaction 

Up to 1% of each transaction in U.S. dollars. 

Penalty Fees 

 

Late Payment 

Up to $35 

  Returned Payment 

Up to $29 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”.  Please see your Account 
Agreement for more information. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights notice 
with your Account Agreement. 

Other:   Additional fees may apply for special services requested by the cardholder. 

ADDITIONAL FEES / SERVICES: 

  Special Posting Fee: $10.00 
  Express Order Fee: $25.00 
  Research Fee: $15.00 / hour plus $.25 / copy 
  You may be assessed a $5.00 replacement fee for lost or damaged chip cards 

Inactive Accounts:  Due to the cost of maintaining this account, your account may be closed if inactive for more than 22 months. 

As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies.  
These consumer reports allow us to make credit and other opportunities available to you.  If you believe that we have furnished 
information to a consumer reporting agency that is inaccurate, please notify us at the following address and identify the specific 
information that is inaccurate.  The information about the cost of the card described in this supplement was printed on 03/01/2016 and 
is accurate as of that date.  The information is subject to change after that date and you should call us at 1-888-848-3428 or write to us at 
First International Bank & Trust – PO Drawer 607 – Watford City, ND 58854 for the current information.  MEMBER FDIC.