Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases, 
Convenience Checks, and 
Balance Transfers 
APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

First International Bank & Trust 
MSU Visa Pricing Addendum 

12.84% APR 
1.07% Monthly Periodic Rate 

18.00% APR 
1.50% Monthly Periodic Rate 
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.  

Fees 
Annual Fee 

Transaction Fees 

None 

 

 

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 the Account 
Agreement enclosed with this disclosure for more information. 

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 

Inactive Accounts:  Due to the cost of maintaining this account, your account may be closed if inactive for more than 22 months. 

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ACCOUNT AGREEMENT 
The person (“Cardholder”) whose name is embossed on the face of the (“Card”) enclosed herewith, and each Cardholder, in the event more than one Card 
is enclosed herewith bearing the same account number, by signing or using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card 
– First International Bank & Trust – as follows: 
A. Goods and services (“Credit Purchases”) may be purchased or leased by means of such card by Cardholder from any retail Business establishment 
(“Seller”) who honors same upon the execution of a sales slip evidencing such Credit Purchases and bearing the account number of Cardholder embossed 
on the face of such Card.  Additionally, Cash Advances (“Loans”) may be obtained through use of such Card upon execution of a written request of 
Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of VISA U.S.A. Inc. 
B. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card 
unless the use of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from 
which Cardholder receives no benefit.  Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans 
obtained through the use of any other Card bearing Cardholder’s account number that has been issued to another person by reason of such person being a 
member of Cardholder’s family, or otherwise issued upon Cardholder’s request (all such Cards bearing the account number hereinafter collectively called 
(“Related Cards”). 
C. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand.  It can be canceled as well as repossessed by Issuer or its 
designee, and the privileges thereof revoked, at any time without prior notice. 
D. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase cardholder’s indebtedness 
to Issuer to an amount in excess of the limit established by Issuer. 
E. All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be 
responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Card or any Related Card.  Any refund, adjustment or credit 
allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder’s account statement with 
Issuer. 
F. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Card and Related Card 
transactions.  Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary 
in writing within 60 days of mailing of such statement.  Cardholder will pay such statement by remitting to Issuer within 25 days of the closing date 
reflected on the statement either the full amount billed or, at Cardholder’s option, an installment equal to at least the required minimum payment stated 
in Section 5. 
G. Interest on Loans and Credit Purchases will be charged in accordance with the interest charge calculation method referred to in Section 1.  The rate of 
interest shall be established by Issuer from time to time, but shall never exceed the maximum rate permitted by law.  The current interest rate per annum 
is the Annual Percentage Rate set forth in Section 1. 
H. If the card is canceled or surrender is demanded by Issuer or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any 
attachment or garnishment proceedings are initiated against Cardholder of his property, Issuer may elect to declare all amounts then owed to Issuer to be 
immediately due and payable without notice or demand of any kind.  If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the 
future, collateral securing those loans will also secure the Cardholder’s obligations under this agreement.  However, unless the Cardholder expressly agrees 
otherwise, the Cardholder’s household goods and dwelling will not secure Cardholder’s obligations under this agreement Cardholder’s indebtedness or in 
enforcing this agreement, including reasonable attorney’s fees and also those costs, expenses and attorney’s fees incurred in appellate, bankruptcy and 
post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. 
I. This agreement may be amended from time to time by Issuer, by written notice mailed to Cardholder at Cardholders last known address. 
J. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement all matter’s arising out of the issuance 
and use of the Card shall be governed by the laws of the state in which the principal office of Issuer is located. 
K. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a 
document, or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation.  No Interest Charge 
will be assessed on such additional charges. 
L. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to 
minimize possible losses.  In most cases, the Cardholder will not be liable for any unauthorized transactions unless it is determined that the Cardholder was 
grossly negligent or fraudulent in the handling of the Card.  Notification can be made orally or in writing at: 

Credit Card Security Department 
P.O. Box 30035 
Tampa, FL 33630 
Telephone Number (727) 570-4881 

M. Cardholder agrees that Issuer, its agents or service companies may monitor and / or record any telephone communications with Cardholder. 
N. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution.  If Cardholder incurs charges in any other currency, the 
charges will be converted into U.S. dollars.  The exchange rate for transactions in a foreign currency 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.  All transactions in foreign countries will be subject to a 1% conversion or 
processing fee. 
O. Issuer shall have sole discretion in how payments are applied to cardholder’s account.  Issuer may accept checks marked “Payment in Full” or with 
words of similar effect without losing any of Issuer’s rights to collect the full balance of Cardholder’s account. 
P. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder’s credit application at any time, and in the course of doing 
so, Issuer may ask Cardholder for additional information, request credit bureau reports and / or otherwise verify Cardholder’s current credit standing. 
Q. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder’s account.  
However, Issuer is not obligated to release any such information to anyone unless Issuer is required by law to do so. 
R. Cardholder agrees that Cardholder’s account shall be subject to all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all 
applicable laws.  If there is any conflict between the provisions of this Agreement and the rules and regulations of VISA U.S.A. Inc. the rules and regulations 
of VISA U.S.A shall control.  Your Card may not be used for any illegal transaction(s). 

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1.  INTEREST CHARGES: 

A) Calculation Methods: 

a.  Cash Advance: A (see the calculation method descriptions below) 
b.  Credit Purchases: G (see the calculation method descriptions below) 

B) Periodic Rates used to compute INTEREST CHARGES: 

DISCLOSURES REQUIRED BY FEDERAL LAW 

a.  Cash Advance: 1.50% per month – Corresponding ANNUAL PERCENTAGE RATE – 18.00%. 
b.  Credit Purchases: 1.07% per month – Corresponding ANNUAL PERCENTAGE RATE – 12.84%. 
c.  For Cash Advances obtained over the counter equal to or greater than $1.00, an INTEREST CHARGE equal to the greater of $5.00 or 
3% of the cash advance will be imposed.  For cash advances obtained at an Automatic Teller Machine (ATM) equal to or greater than 
$1.00 an INTEREST CHARGE equal to the greater of $5.00 or 3% of the cash advance will be imposed.  A transaction fee may also be 
imposed by an ATM operator, not holding your account, or by any national, regional or local network used to complete a cash advance 
transaction. 

2.  MINIMUM INTERST CHARGE: If you are charged interest, the charge will be no less than $1.00. 
3.  OVER THE LIMIT CHARGES: No Over the Limit Charges apply to your account. 
4.  ANNUAL FEE: There is no annual fee for your account. 
5.  MINIMUM PAYMENT: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00.  If the 
New Balance exceeds $25.00, the minimum payment is 3.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to 
the nearest dollar), or $25.00, whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any amount past due. 
6.  LATE FEES: If the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date, a late charge 
of up to $35.00 may be imposed. 
7.  RETURNED PAYMENT FEES: If a payment you make on your account is returned for any reason, a returned payment fee of up to $29.00 may be 
imposed. 
8.  The only INTEREST CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction INTEREST CHARGES in 
connection with Cash Advances, or International Transaction Fees (i.e. cross-border and / or currency conversion fees) of up to 1% which may qualify as an 
INTEREST CHARGE (see item N. below), if part of your plan.  Transaction INTEREST CHARGES for each Cash Advance will be imposed on the date the Cash 
Advance was posted to your account.  No grace period applies on any transaction INTEREST CHARGE imposed for Cash Advances. 
9.  Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time the loan is made. 
10. If the Cardholder is eligible and elects to participate in the group credit life, disability and loss of income insurance program by signing the appropriate 
enrollment forms, insurance charges will be posted to the Cardholder’s account each statement period at the rate disclosed in the separate disclosures 
enclosed based upon the New Balance on the account (including accrued Interest Charges) for each statement period.  CREDIT LIFE, DISABILITY AND LOSS 
OF INCOME INSURANCE IS VOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO CARDHOLDER’S PARTICIPATION IN THIS CREDIT PLAN. 
11.  If you have other loans or credit extensions from First International Bank & Trust (FIBT), or take out other loans or credit extensions with FIBT in the 
future, collateral securing those loans or credit extensions will also secure your obligations under this agreement.  However, unless you expressly agree 
otherwise, your household goods and dwelling will not secure your obligations under this agreement even if FIBT has, or later acquires a security interest in 
the household goods or a mortgage on the dwelling.  If you have executed a written agreement granting a security interest in any deposit accounts 
(checking or savings accounts) or other funds held by FIBT to secure your obligations under this credit card plan, such accounts and / or funds are 
additional security for your obligations to FIBT arising from the use of your Card. 

PERIODIC INTEREST CHARGE CALCULATION METHODS 

The period Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain 
through the use of your Card is specified in Number 1 above and explained below: 

METHOD A: Average Daily Balance (including current transactions).  The Interest Charge on purchases begins from the date the transaction is posted to 
your account and the Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it 
is posted to your account, whichever is later.  There is no grace period.  The Interest Charges for a billing cycle are computed by applying the monthly 
Periodic Rate to the “average daily balance” of your account.  To get the average daily balance, we take the beginning balance of your account each day, 
add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid interest charges.  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. 

METHOD G: Average Daily Balance (including current transactions).  To avoid incurring an additional Interest Charge on the balance of purchases (and cash 
advances, if Method G is specified as applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, cash 
advances) appearing on your next monthly statement, you must pay the New Balance, shown on your monthly statement, on or before the Payment Due 
Date.  The grace period for the New Balance of purchases extends to the Payment Due Date.  The Interest Charges for a billing cycle are computed by 
applying the monthly Periodic Rate to the “average daily balance” of purchases (and if applicable, cash advances).  To get the average daily balance, we 
take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and 
unpaid finance charges.  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. 

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