Important Information about your UWAA FirstRewards® World Mastercard® Effective Date: August 1, 2022CARDHOLDER AGREEMENTPRICING AGREEMENTINTEREST RATES & INTEREST CHARGESAnnual Percentage Rate (APR) for Purchases and Balance Transfers3.99%introductory APR for six months after account opening.After that, your APR will be 20.75%This APR will vary with the market based on the Prime Rate.APR for Cash Advances25.75%This APR will vary with the market based on the Prime Rate.Penalty APR and When it Applies30.74%This APR will vary with the market based on the Prime Rate.This APR may be applied to your account if you make a late payment.How Long Will the Penalty APR Apply?If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. Paying InterestYour 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 by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.50For Credit Card tips from the Consumer Financial Protection BureauTo 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/FEESAnnual FeeNoneTransaction FeesBalance TransferCash Advance and Convenience ChecksForeign TransactionInternational transaction fee Either $10 or 3% of the amount of each transfer, whichever is greater.Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater.3% of the transaction amount in U.S. dollars.Penalty FeesLate PaymentReturned Payment Up to $10.00Up to $30.00 UWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHRHow We Will Calculate Your Balance:We use a method called "average daily balance (including currenttransactions)." See Balance Computation Method within the Pricing Agreement for more details.Loss of Introductory APR:We may end your introductory APR and apply the Penalty APR if you make a latepayment. The Penalty APR will vary with the market based on the Prime Rate.Billing Rights:Information on your rights to dispute transactions and how to exercise those rights is providedin your Cardholder Agreement.PRICING AGREEMENT CONTINUED1.Terminology.For purposes of this Pricing Agreement, and the Account Agreement, (collectively referred to as the “Cardholder Agreement”) each Account Holder/Cardholder is referred to as “cardholder” or "you", whether one or more, and First Interstate Bank is referred to as “Bank,” "Issuer,” "us," or "we".2.Interest Rates.a.Periodic Rate and Annual Percentage Rate.The Annual Percentage Rate corresponds to a Periodic Rate. The Annual Percentage Rate is equal to the Periodic Rate multiplied by 12 and the Periodic Rate is equal to the Annual Percentage Rate divided by 12. Rates other than the introductory rate vary with the market based on the Prime Rate as described further below.b.Purchases and Balance Transfers.i.Introductory Rate.The introductory rate for Purchases and Balance Transfers is 0.33% per month, corresponding to an Annual Percentage Rate of 3.99%. Unless a late payment is made and the introductory rate is ended, the introductory rate applies for six months.ii.The Periodic Rate for subsequent Purchases and Balance Transfers and all existing balances related to Purchases and Balance Transfers shall be 1.73% per month, corresponding to an Annual Percentage Rate 20.75%. The Periodic Rate and corresponding Annual Percentage Rate for Purchases and Balance Transfers varies with the Prime Rate (defined below) and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for Purchases and Balance Transfers is determined monthly on the first day of the billing cycle by adding 4 percentage points to the Prime Rate.c.Cash Advances.The Periodic Rate for Cash Advances is 2.02% per month, corresponding to an Annual Percentage Rate of 25.75%. The Periodic Rate and corresponding Annual Percentage Rate for Cash Advances varies with the Prime Rate (defined below) and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for Cash Advances is determined monthly on the first day of the billing cycle by adding 21 percentage points to the Prime Rate.d.Penalty Rate.The penalty Annual Percentage Rate will apply if a required payment is one time delinquent over sixty (60) days. The Periodic Rate that will apply as a penalty to all balances is 2.44% per month, corresponding to an Annual Percentage Rate of 30.74%. The Periodic Rate and Annual Percentage Rate applicable as a penalty varies with the Prime Rate and therefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate applicable as a penalty is determined monthly on the first day of the billing cycle by adding 25.99 percentage points to the Prime Rate.e.Prime Rate.The Prime Rate used for every adjustment referenced above is the highest "U.S. prime rate" as published in the "Money Rates" section of The Wall Street Journal on the 24th day of the month or the next business day if that day is not a business day. The variable APR based on that Prime Rate will go into effect as of the first day of the first billing period that ends after that day.f.Billing Cycle.Each monthly statement reflects a billing cycle. A billing cycle is a time period that ends on a closing date determined by us and begins on the day after the closing date of the previous billing cycle.3.Balance Computation Method.As indicated above, we use a method called "average daily balance (including current transactions)" to calculate your balance. We figure the interest charge on your Account by applying the 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 and advances, and subtract any unpaid interest or other finance charges and 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."UWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHR4.Minimum Payment.The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $20.00. If the New Balance shown on your statement exceeds $20.00, the minimum payment is 3.00% of that portion of the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any amount past due.5.Balance Transfer, Cash Advance and Convenience Check Fees.A Balance Transfer Fee of either $10.00 or 3.00% of the amount of each transfer, whichever is greater, will apply. A Cash Advance Fee of either $10.00 or 4.00% of the amount of each cash advance, whichever is greater, will apply if you obtain funds through an automated teller machine (ATM) or a financial institution, make a wire transfer or obtain a money order. A Convenience Check Fee of either $10.00 or 4.00% of the amount for each convenience check will apply. We will begin charging interest on Balance Transfers, Cash Advances and Convenience Checks on the transaction date.6.Foreign Transactions.If you make a purchase or cash advance in foreign currency, the transaction will be converted into U.S. Dollars by Mastercard®. The exchange rate applied to such transactions is applied on the date that the transaction is processed and is either (i) a wholesale exchange rate selected by Mastercard®, or (ii) a government-mandated rate. The exchange rate used on the processing date may differ from the rate that would have been used on the transaction date or the Credit Card statement posting date. In addition to the exchange rate, we will charge the applicable international transaction fee.7.Late Payment Penalty Fee.If the minimum required payment is not received within ten (10) days after the payment due date, the late payment penalty fee will be imposed.8.Balance Transfers.Balance Transfers are subject to the Balance Transfer Fee disclosed in the Pricing Agreement. We will evaluate your Balance Transfer requests upon receipt. The total amount of your requests, including fees and interest charges, cannot exceed your available credit. If your Balance Transfer requests exceed your credit limit, we may either decline your Balance Transfer request or send less than the full amount requested to the designated payees. Each Balance Transfer will reduce your available credit just like any other transaction. It may take up to three weeks to process your Balance Transfer(s), so you may still need to make payments to your other accounts to keep them current. We will not process any Balance Transfer requests for any other account or loan that is issued by us.9.Overdraft Protection.Overdraft Protection is an available option on your Account but requires you to enroll and qualify for this service separately. Overdraft transfers to your eligible First Interstate Bank deposit account from your First Interstate Bank credit card account will be subject to the Cash Advance Annual Percentage Rate disclosed under the Pricing Agreement of this Cardholder Agreement. The Cash Advance Transaction Fees do not apply.10.Expedited Credit Card Production and Delivery Charge.Upon request, we will rush your Credit Card and charge you a one-time fee of $28.50.11.Expedited Payment Fee.You may be charged a convenience fee of up to $15.00 to make an expedited payment over the phone with the assistance of a live customer service representative.12.Research Charges.We will charge $20 per hour, $10.00 minimum per project and $1.00 per Credit Card statement.13.Security Interests.If you have other loans or credit extensions from us, or take out other loans or credit extensions with us in the future, collateral securing those loans or credit extensions may also secure your obligations under this Cardholder Agreement. However, unless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this Cardholder Agreement even if we have, or later acquire, 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 (certificates of deposit or checking, savings, or share accounts) or other funds held by us to secure your obligations under this Credit Card plan, such accounts and/or funds are additional security for your obligations to us arising from the use of your Credit Card.ACCOUNT AGREEMENT – TERMS GOVERNING THE USE OF YOUR CREDIT CARDBy signing or using the Credit Card to be issued by us, you acknowledge receipt of the Cardholder Agreement and agree with us as follows:1.Credit Card Use. You may use your Credit Card to purchase goods and services ("Purchases") from participating merchants.2.Promise to Pay. You shall be liable and agree to pay us for Purchases made by, or for Cash Advances extended to, you or anyone else using such Credit Card unless the use of such Credit Card is by a person other than you (a) who does not have actual, implied or apparent authority for such use, and (b) from which you received no benefit. Additionally, you shall be jointly and severally liable and agree to pay for all Purchases and Cash Advances obtained through the use of any other Credit Card bearing your Account number that has been issued to another person by reason of such person being a member of your family, or otherwise issued upon your request (all such Credit Cards bearing your Account number are herein collectively called "Related Credit Cards").UWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHR3.Annual Fee. You agree to pay to us an annual fee (if and as stated in the Pricing Agreement Disclosures) for participation in our Credit Card plan. Such annual fee shall be imposed whether or not you use the Credit Card to obtain Purchases and Cash Advances. The annual fee shall be charged to your Account each year in the month of our choice. The annual fee is not refundable in the event of termination of the Account by either you or us unless otherwise provided for by law.4.Our Right to Cancel Your Account. We can cancel your Account at any time, or reduce the amount of your credit line, without notice to you, except in those situations where notice is required by law. If we cancel your Account, you agree to destroy all Credit Cards issued on your Account by cutting them in half and returning them to us. You will continue to be responsible for full payment of the balance on your Account and all charges to your Account, including those not yet received by us, as well as subsequent interest and other charges. Each Credit Card is our property, and you agree that the Credit Cards are not transferable and to surrender any Credit Card upon demand.5.Credit Limit. You shall not use the Credit Card or permit the use of Related Credit Cards to obtain Purchases or Cash Advances which will increase your indebtedness to us to an amount in excess of the limit established by us. At our discretion, we may prohibit Cash Advances or limit them to only a portion of your Credit Limit.6.Credit Card Acceptance. All Purchases and Cash Advances are subject to the approval of the Seller and Cash Advancing Bank, respectively, and we shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Credit Card or any Related Credit Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to us, which shall be shown as a credit on your Account statement with us.7.Statements. We will send to you, at monthly intervals determined by us, a statement reflecting for the prior monthly period all Credit Card and Related Credit Card transactions. Such statement shall be deemed correct and accepted by you and all holders of Related Credit Cards unless we are notified to the contrary in writing within 60 days of mailing of such statement. You will pay such statement by remitting to us within 25 days of the closing date reflected on the statement either the full amount billed or, at your option, an installment equal to at least the required minimum payment stated above.8.Interest. Interest on Balance Transfers, Cash Advances and Purchases will be charged in accordance with the calculation method referred to in the Pricing Agreement. The rate of interest shall be established by us from time to time, but shall never exceed the maximum rate permitted by law.9.Default, Acceleration and Security. You will be in default, and we may, without notifying you, temporarily suspend your credit, close your Account, cancel all Credit Cards issued on it and require immediate payment of your entire balance if any of the following occurs: a.You fail to make a payment when it is due.b.You do not follow the terms of this Agreement in any way.c.You have made a false or misleading statement on the application for your Account.d.You fail to pay any other loan you owe us.e.You become insolvent or die.f.There is an attachment, execution or levy against your property or you make an assignment for the benefit of creditors.g.A bankruptcy is filed by or against you or your spouse.h.A guardian, conservator, receiver, custodian or trustee is appointed for you.i.You are generally not paying your debts as they become due.j.There has been a material adverse change in your financial standing.You agree to pay all costs incurred by us in collecting our indebtedness or in enforcing this Cardholder Agreement, including reasonable attorney’s and paralegal fees and also those costs, expenses and attorney’s and paralegal fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law.10.Closing Your Account. You may close your Account at any time. If you close your Account, in order to avoid the accrual of interest and other fees, you must immediately pay everything you owe us, including any amounts owed but not yet billed. If you do not pay, the Account will continue to accrue interest and other fees, and will remain subject to all the terms and conditions of this Cardholder Agreement. Upon closing the Account, you also agree to destroy all Credit Card(s) and any unused Convenience Checks. If you close your Account, Credit Cards or Convenience Checks may not be used.11.Change in Terms of Your Account. We can change any terms of your Account at any time. We will provide you with such notice as is required by law by mailing a notice to you at the latest address shown in our records.UWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHR12.Notification of Changes. You agree to notify us within 20 days of any change in name, mailing address, telephone number or place of employment.13.Governing Law. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this Cardholder Agreement and all matters arising out of the issuance and use of the Credit Card and your Account shall be governed by and interpreted in accordance with the laws of the State of Montana regardless of where you may reside or use your Account.14.Liability for Unauthorized Credit Card Use/Lost or Stolen Credit Card. If you notice the loss or theft of your Credit Card or possible unauthorized use of your Credit Card, you should write to us immediately at:First Interstate BankPayment ServicesP.O. Box 30918Billings, MT 59116-0918Or call us at (866) 839-3485You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for any unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00.You agree to notify us immediately if your Credit Card is ever lost or stolen or if any unauthorized use may have occurred. You agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your Credit Card and to comply with such procedures as we may require in connection with our investigation, including assisting in the prosecution of any unauthorized user.15.Telephone Monitoring. You agree that we and our agents or service companies may monitor and/or record any telephone communications with you or any cardholder.16.Payments must be made to us in U.S. Dollars drawn on a U.S. bank. Subject to applicable law, payments may be applied to what you owe us in any manner we choose in our sole discretion. We may accept checks marked "Payment in Full" or with words of similar effect without losing any of our rights to collect the full balance of our Account.17.Reevaluation of Credit. We can reinvestigate and reevaluate any information you provided on your credit application at any time, and in the course of doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify your current credit standing. You also acknowledge that we may periodically evaluate your creditworthiness utilizing a credit scoring process. The results of these investigations and evaluations could lead to a reduction or termination of your credit limit, changes in the APR applicable to your Account, or changes in other terms of your Account. As required by law, you will be notified of these changes.18.Release of Information. You agree that we may release information to others, such as credit bureaus, regarding the status and history of your Account. However, we are not obligated to release any such information to anyone unless we are required by law to do so.19.Prohibited Transactions. You shall not use the Credit Card for any illegal transaction. In addition, Federal Law, the Unlawful Internet Gambling Enforcement Act of 2006 prohibits commercial customers from conducting transactions related to illegal Internet gambling. As our credit card customer you agree to notify us if your Account is ever used for Internet gambling, even if you believe the activity to be legal. If you do not, we may close your Account.20.If, for any reason, we do not make use of any of our rights under this Cardholder Agreement on a particular occasion, that will not limit our rights in the future in any way.21.Mastercard® Rules and Regulations. You agree that your Account shall be subject to all applicable rules and regulations of Mastercard® Worldwide, as applicable, as well as all applicable laws. If there is any conflict between the provisions of this Cardholder Agreement and the rules and regulations of Mastercard® Worldwide, the rules and regulations of Mastercard® Worldwide shall control.YOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USEThis 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 StatementUWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHRIf you think there is an error on your statement, write to us at:First Interstate BankPayment ServicesPO Box 30918Billings, MT 59116-0918You may also contact us by email at creditcards@fib.comIn 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 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 [or electronically]. 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 LetterWhen 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 PurchasesUWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHR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 Interstate BankPayment ServicesPO Box 30918Billings, MT 59116-0918You may also contact us by email at creditcards@fib.comWhile 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. Important Notice – Please Read CarefullyWe may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.Please contact Payment Services with any questions about this notice at 1-888-833-3454.UWAA FirstRewards® World Mastercard® (Tier D) 0822 UWPSCXHRFACT ACT NOTICEYour Credit Report and the Price You Pay for Credit What is a credit report? A credit report is a record of your credit history.  It includes information about whether you pay your bills on time and how much you owe to creditors. How did we use your credit We used information from your credit report to set the terms of the credit we report? are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories. What if there are mistakes in You have a right to dispute any inaccurate information in your credit report. your credit report? If you find mistakes on your credit report, contact Equifax, which is the consumer reporting agency from which we obtained your credit report. It is a good idea to check your credit report to make sure the information it contains is accurate. How can you obtain a copy of Under federal law, you have the right to obtain a copy of your credit report your credit report? without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax:By telephone:Call toll-free: 1-800-685-1111By mail:Mail your written request to:PO Box 740241Atlanta, GA 30374On the web:Visit www.equifax.com/fcra/ How can you get more For more information about credit reports and your rights under federal law, information about credit visit the Consumer Financial Protection Bureau's web site at reports? www.consumerfinance.gov/learnmoreDepartment of Defense Credit Card Disclosure Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Payment obligation for a consumer credit card is as follows:  The minimum payment required is the New Balance shown on the statement if the amount is equal to or less than $20.00. If the New Balance shown on the statement exceeds $20.00, the minimum payment is 3.00% of that portion of the New Balance which does not exceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus the entire potion of the New Balance in excess of your credit limit, plus any amount past due.  Please call (888) 833-3445 to have this Disclosure provided to you orally.  FIRSTREWARDSﬁ PROGRAM RULES The FirstRewards Program is a promotional rewards program offered by First Interstate Bank and administered by our Program Administrator, BreakAway Loyalty LLC.  The following FirstRewards Program Rules apply to every account holder, whether one or more, on a First Interstate Bank FirstRewards Mastercardﬁ Account  EARNING FIRSTREWARDS POINTS The FirstRewards Program applies to all qualifying purchases charged to your FirstRewards Mastercard as follows: for every one dollar charged for purchases, you will receive one FirstRewards Point.  The FirstRewards Program is based on net purchases and FirstRewards Points are not earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your account.  FirstRewards Points are deducted for returns.  First Interstate Bank shall resolve all questions as to what constitutes a qualifying purchase.  All such resolutions or determinations by First Interstate Bank are final.  Eligible consumer and business FirstRewards Mastercard Accounts will be auto-enrolled in the FirstRewards Program upon account opening and earned FirstRewards Points will accrue in the FirstRewards Account associated with the FirstRewards Mastercard Account.  FirstRewards Points do not expire.   PURCHASING FIRSTREWARDS POINTS FirstRewards Points can also be purchased.  A minimum of 2,000 FirstRewards Points may be purchased at a rate of $.02 per point and must be purchased in 1000 point increments. The maximum number of FirstRewards Points that can be purchased during any 6 month period is 25,000.  These purchases must be charged to your FirstRewards Mastercard. REDEMPTION OF FIRSTREWARDS POINTS FirstRewards Points can be redeemed, in increments specified on the FirstRewards Program website, for Reward items such as merchandise, travel, gift cards, charitable donations or special promotional offers by visiting the website, rewards.firstinterstate.com, or by calling the toll-free number 1-888-216-2893.  You may select Rewards from any level as long as you have a sufficient number of FirstRewards Points available in your FirstRewards Account at the time of your redemption.  FirstRewards Point requirements assigned to any Reward are subject to change from time to time without notice, and Rewards may be substituted at any time. Should a Reward be discontinued, it will be replaced with a Reward of equal or greater value or, if no suitable substitute is available, you will be advised to make an alternative selection or your FirstRewards Points may be returned to your FirstRewards Account.  FirstRewards Points cannot be used with any other offer, promotion or discount; or earned from or transferred to any other credit and/or debit card, account or rewards program, unless otherwise specified.   In the event you redeem unearned points, your account may be charged for the actual cash difference between the cost of the Reward redeemed and the net value of the actual FirstRewards Points available.  REWARDS Rewards are provided by Merchants that participate in the FirstRewards Program.  The terms and conditions relating to the purchase of specific Rewards and their use are available by visiting the website rewards.firstinterstate.com.  Rewards offerings are subject to availability and may change at any time without notice. Airline tickets The list of airline, hotel, rental car, cruise, vacation package or experience companies and any other listed award available in the Program is subject to change and may be discontinued in whole or in part without notice. All travel awards are subject to the specific terms and conditions and rules and restrictions imposed by the individual travel companies, airlines, hotels, rental car, cruise line, vacation package or experience provider companies. Compliance with these terms and conditions and rules and restrictions is the responsibility of the Participant. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, including any exclusions and limitations of liability. You are responsible for paying a $30.00 redemption fee at the time of redemption and any overages or additional fares added outside of standard redemption. Geographic restrictions may apply. The information and descriptions given about the travel rewards are based on the inquiries made and are believed to be accurate, but we offer no warranty or representation on the information provided. You are responsible for ensuring that the name(s) on the reservation exactly match the identification required. You or the reward recipient are responsible for any federal, state or local income or other taxes or other fees or gratuities, if applicable. Special requests can be made but are not guaranteed. Fees, taxes and charges may apply, depending on the request.  Government issued photo identification is required for all domestic travel. Additional identification such as a Passport, Visa and certain health requirements may be required for travel outside the United States. It is Your or the reward recipient’s responsibility to obtain proper travel identification, documentation, and/or inoculations for the destination. It is Your or the reward recipients responsibility to consult with your Doctor for up-to-date medical travel information well before travel. You or the reward recipient is responsible for paying the cost of any items required for travel. Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates, tickets and documents are not exchangeable, refundable, transferable or redeemable for cash, and cannot be combined with any other discounts, coupons or rewards. If an electronic method of distribution is not applicable, all travel certificates, tickets and documents will be delivered via a traceable method and will not be replaceable in the event of loss, destruction or theft. You may request travel certificates, tickets and documents to be delivered by overnight carrier and You agree to pay the associated additional delivery fees. To cancel or change travel reservations, if applicable and allowed by the specific Supplier, please call a travel representative. Cancellations or changes may result in Supplier imposed penalties and/or additional program fees which will be disclosed to You at that time. If Your travel reward is affected by involuntary cancellation due to weather, war, terrorism, epidemic outbreak, acts of civil unrest, natural disasters, or other force majeure events, cancellation fees may be waived at the discretion of the Supplier. The Supplier will collect and remit taxes to the applicable taxing authorities. Taxability, the appropriate tax rate and the type of applicable taxes vary greatly by Supplier. If a Supplier is located within a certain jurisdiction, the charge to Your payment card for taxes and fees includes a tax that Montrose Travel is required to collect and send to the jurisdiction owed on amounts retained as compensation for services. Montrose Travel is not able to facilitate a rebate for applicable Goods and Services Tax ("GST") or Value Added Tax (<VAT=) if You are using Services to book international accommodations. Government imposed departure or entry taxes may not be included in ticket taxes. You or the reward recipient should be prepared to pay these taxes in cash at the travel location. If a travel award redemption results in a cardholder payment card charge, the card may be charged by either the Travel Supplier (e.g. Airline, Cruiseline) or by the Program Travel Rewards Provider, Montrose Travel, and appear on your statement as applicable (e.g. MT*BREAKAWAY AIR or MONTROSE TRAVEL). Depending on the award and how many rewards you redeemed, the total cost charged to your payment card may appear as more than one charge on your payment card statement. When combined, these separate card charges will equal the total cost to be charged to your payment card for this award redemption, as authorized during the booking process for the award. These travel program rules, combined with the general program terms and conditions, and any other rules established by FirstRewards, constitute the full set of program rules. Hotel Certificates/Gift Cards, once issued are non-refundable and non-cancelable.  You are responsible for making hotel reservations.  Check with the hotel regarding participation and availability at the time of reservation.   Cruise Rewards, once booked, are non-refundable and non-cancelable.  All cruise Rewards must be booked at least sixty (60) days prior to the requested sailing date.  Cruise Rewards are based on double occupancy for an interior cabin.  At least one member sailing must be 21 years of age or older.  Reservation changes are subject to change fees imposed by the cruise line.  You are responsible for paying a $50.00 redemption fee at the time of redemption using your FirstRewards Mastercard. Rental Car Travel Vouchers are valid at participating locations towards a rental made in accordance with the terms and conditions of the rental agreement.   The renter must meet the age, credit, and driver qualifications in effect at the time and place of the rental and must meet the minimum standards of the rental company. Advance reservations are recommended.  Charitable Donations are administered by Tisbest. The FirstRewards Plus Program is not affiliated with tisbest.org or any of the charities available through them. Tisbest Gift Cards to be used for charitable giving through tisbest.org to your choice of charity. Donations are not tax deductible. Please refer to tisbest.org to review full program details and any additional processing fees. Experiential travel and vacation packages are non-refundable and non-cancelable.  You are responsible for making reservations and completing any requirements to complete the reservation.  The FirstRewards Program is not responsible for any additional fees incurred related to booking or travel with a package.   Gift Cards, once issued are non-refundable and non-cancelable. Transaction Eraser once issued is non-refundable and non-cancelable. Eligible transactions are any transactions between $50 - $250 that have posted within the last 60 days.  Merchandise, once ordered, can only be exchanged in the event that it arrives defective or damaged.  Note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier.  A merchandise Reward that is received damaged or defective may be returned to the shipper for replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and original packaging materials must be returned with the merchandise Reward.  There is no redemption fee. Applicable manufacturers’ or providers’ warranties, if any, will be included with your merchandise Reward. Warranty claims must be directed to the manufacturer or provider, as applicable. FIRST INTERSTATE BANK, PROGRAM ADMINISTRATOR AND THEIR AFFILIATES MAKE NO REWARD, PRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF REWARDS, PRODUCTS, MERCHANDISE AND/OR SERVICES PROVIDED THROUGH THIS FIRSTREWARDS PROGRAM.  FIRST INTERSTATE BANK, PROGRAM ADMINISTRATOR AND THEIR AFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN REWARDS OR DAMAGES RESULTING FROM USE OF ANY REWARDS PROVIDED THROUGH THE FIRSTREWARDS PROGRAM.  SHIPPING AND DELIVERY Any Reward that is shipped will ship UPS, USPS, or an accepted domestic delivery service and will usually be delivered within 2-4 weeks after your order is processed. Shipments cannot be made to a post office box, an APO address, or outside the 50 United States.   COMMUNICATIONS Current FirstRewards Point balances are available online to registered users at rewards.firstinterstate.com.  First Interstate Bank may also communicate with you via mail, email, text message or telephone from time to time to alert you to special offers. Despite the FirstRewards Program’s best efforts to ensure accuracy, printing and website errors mayoccasionally occur. First Interstate Bank reserves the right to correct such errors at any time.  ELIGIBILITY If your FirstRewards Mastercard  Account is past due, overdrawn, or otherwise not in good standing, as determined by First Interstate Bank, you will not be permitted to redeem FirstRewards Points and no FirstRewards Points will be credited to your FirstRewards Account.  In addition, your FirstRewards Mastercard Account may be terminated and you may be required to forfeit FirstRewards Points in your FirstRewards Account. If your FirstRewards Mastercard Account is closed for any reason, whether or not it is delinquent or in good standing, all FirstRewards Points in the related FirstRewards Account will be forfeited. DISCLAIMER Rewards are provided by Merchants who participate in the FirstRewards Program but are not affiliated with or sponsors of the FirstRewards Program.  Fulfillment of Rewards is the sole responsibility of participating Merchants and First Interstate Bank is not responsible for the performance by any merchant, service provider, or common carrier.  First Interstate Bank is not responsible for inaccuracies in FirstRewards Point accrual; lost, stolen or otherwise destroyed tickets, vouchers, certificates, gift cards, or merchandise; defective or damaged Rewards; or damages or loss resulting from or arising in connection with the use of any Rewards.   You agree to hold First Interstate Bank and its affiliates, and any vendors or other providers associated with the FirstRewards Program harmless if Program Administrator fails to meet its contractual or other obligations, resulting in FirstRewards Program interruption or termination prior to your redeeming your FirstRewards Points or receiving your Rewards.  You also agree to hold First Interstate Bank and its affiliates harmless if a FirstRewards Program Merchant files for bankruptcy, or otherwise goes out of business after you have redeemed your FirstRewards Points for a Reward from the Merchant but before you receive or use the Reward. TERMINATION OR CHANGES TO THE FIRSTREWARDS PROGRAM The FirstRewards Program may be modified, suspended or cancelled, and the redemption value of already accumulated points may be changed at any time without notice and without restriction or penalty.  Changes to the FirstRewards Program may include, but are not limited to, modifications that affect point accrual and/or expiration of FirstRewards Points based on the point term, age and expiration date of the selected options(s). Reward orders must be received on or before the FirstRewards Program ends and/or any applicable FirstRewards Point expiration date.  Contact First Interstate Bank for details on any current promotions affecting FirstRewards Point accrual or redemption options.  FirstRewards Points may be forfeited due to Rules violations. First Interstate Bank may exercise its rights under this agreement at any time and a delay by First Interstate Bank in exercising any right under these Rules does not mean that First Interstate Bank has waived that right.  This FirstRewards Program is void where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.  These Rules are subject to change at any time without notice. The most current version of these Rules is available at rewards.firstinterstate.com.  The use of your Account following receipt of these Rules, and any changes to the Rules made available to you will indicate your agreement to the Rules. Earn points every time you make a purchase with your First Interstate Bank FirstRewards® World Mastercard®. Use it for all of your shopping and purchasing needs such as groceries and gas, to gifts, travel and paying bills.  Your points will add up fast, here’s how: Earn 1 point for every dollar spent Points cannot be earned on cash advances or balance transfers Redeem points your way with Travel Rewards—fly when you want, where you want with no restrictions. With theFirstRewards program you can fly on the airlines that operate in your own communities.Points can also be redeemed for car rentals, hotel stays and cruises.Gift Cards— Redeem points for gift cards to your favorite stores or as gifts for employees.Choose the gift card that lets you make purchases anywhere by redeeming for a FirstInterstate Bank Mastercard gift card.Merchandise—Choose merchandise rewards for your office. FirstRewards has a list of thetop name-brand merchandise for you to choose from. Can’t find what you’re looking for?Choose a Mastercard gift card to purchase the item you really want.Charity Donations—Help improve the world around you by redeeming points for adonation to your favorite charity – nationally or locallyTransaction Eraser – Reward yourself when you want, where you want and how you want.Use your FirstRewards points to <erase= recent, eligible transactions from your statement.Redeem points by visiting  https://rewards.firstinterstatebank.com   or calling 1-888-216-2893. Get the most out of your FirstRewards card by checking out the FirstRewards website frequently to learn the latest on promotions and other reward opportunities.  Don’t want to remember another password? I-Bank Online Banking customers can access their account directly anytime they’re logged in.The FirstRewards® World Mastercard® empowers you with the flexibility to explore the places and pursuits that mean the most to you. The combination of worldwide acceptance and valuable features means that you have the  freedom to do exactly what you want, whenever you feel like it. And travel-specific features and benefits give you the exceptional service you've come to expect. Experience these benefits as a World Mastercard cardholder: Mastercard Travel Services—Luxury Hotels & Resorts Portfolio—As a World Mastercard cardholder, you can now enjoy a portfolio of some of the finest hotels & resorts the world has to offer 4 all presenting you with an exceptional lodging experience. An experienced travel advisor will assist you with: Exclusive Saving4As a World Mastercard cardholder you get the Best Available Price* at the time of booking. Room Upgrades4Receive a complimentary upgrade to the next room category, based upon availability. If it is available when you check-in, it’s yours! Early Check-In and Late Check-Out4Receive extra time to enjoy the world’s finest accommodations4on the house. All hotels and resorts offer early check-in and late check-out, based upon availability. Breakfast for Two4Enjoy a complimentary breakfast for two daily. Unique World Special Amenities4Enjoy exclusive amenities as unique as the properties themselves. From a welcome basket of fruits to a gourmet dinner, these amenities help make your experience outstanding.  Amenities vary by property and are available at 5-star and select 4-star properties.  New Travel Promotions Sail the Caribbean, bike through Italy, shop in Hong Kong or play in Vegas.  Enjoy a world of special,  limited-time offers on lodging, cruises, vacation packages, tours, airlines and car rentals as a World Mastercard cardholder. Mastercard Experiences and Offers4Take a break from the everyday and reward yourself with something far from typical. Mastercard Experiences and Offers opens the door to an array of valuable offers, upgrades,  experiences, and preferred access to suit your lifestyle. Take advantage of exceptional offers from upscale retailers and world-class hotels and resorts. Escape from your daily routine by relaxing at a spa, going on a thrill-seeking adventure, or taking in a round of golf. Visit www.Mastercard.us/world for more details on these extraordinary advantages. Additional terms, conditions and restrictions apply to each of the above benefits. For additional World Mastercard benefit details, terms, and conditions, please call the number on the back of your card or visit Mastercard.us/world. Travel-related services are provided by or through one or more travel service providers and such travel service providers and benefits are subject to change at any time by Mastercard without notice. All benefits are subject to availability at the time of booking. Benefits are subject to terms and conditions unique to each travel service provider and /or destination. All travel and benefits require purchase with your valid World Mastercard card. The goods and services described herein are offered and provided by third party merchants and Mastercard is not responsible for any losses related to the offer, fulfillment or use of the goods or services.  Terms and conditions: To take advantage of any World Mastercard travel benefits described here, you must book through Carlson Wagonlit Travel, Mastercard’s designated travelagent for Mastercard Travel Services, and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Mastercard. One of the travelers must be the holder of a valid World Mastercard card issued in the U.S., Puerto Rico, the U.S. Virgin Islands, or Mexico. All benefit travel must commence before 12/31/13 unless otherwise noted. All benefits and offers are subject to availability and are subject to change or cancellation without notice. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations, and are valid on new bookings only. Multiple World Mastercard travel benefits provided by Mastercard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers.  *Best Available Price  for World Mastercard travel benefits described here across all categories, <best available price at the time of booking= by the supplier is based on a comparison with regular, published prices, excluding discounts or negotiated rates not available to the general public, such as: membership, corporate, government, promotional, group, employee, packages, unpublished or rates only available on auction websites, phone only rates and same day mobile only rates. If within twenty-four (24) hours of a World Mastercard Cardholder’s original reservation, Mastercard Travel Services is notified by Cardholder of a lower publicly-available rate that meets the exact criteria for the same supplier, Mastercard Travel Services will contact the applicable supplier (including hotel, cruise line, car rental, tour company or airline) in an attempt to procure that same lower rate for the World Mastercard Cardholder, or the World Mastercard Cardholder will be allowed to cancel his or her reservation, provided the World Mastercard Cardholder was not informed at the time of booking that the reservation was non-refundable. With respect to airfares booked in the U.S., World Mastercard Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours. Blackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit Mastercard.us/world or contact one of our travel   advisors for additional program details and terms and conditions. Airline booking and other fees may apply. Carlson Wagonlit Travel, Mastercard, World Mastercard issuers and travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD MASTERCARD, MASTERCARD TRAVEL SERVICES and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. All rights reserved.  World Mastercard®  CONVENIENCE BENEFITSLocal Customer ServiceeZCardInfo.comReceive the service you’ve come to expect with First Interstate Bank. Stop by your local branch or call our Billings-based customer service center to make a payment or to ask ques琀椀ons regarding your account. We work together to provide the quality service you deserve. To take advantage of our local customer service call 1-888-833-3454 or simply email us at creditcards@fib.com. Stay in touch with your credit card account 24 hours a day, seven days a week. eZCardInfo provides you with information and services that make your credit card easier to manage than ever before. With the click of a mouse, view important informa琀椀on about your account including balances, available credit, current and past statements and transac琀椀on informa琀椀on since your last statement. You can also make your life simpler by signing up for electronic statements or by paying your bill online Visit www.eZCardInfo.com  to get started!Don’t want to remember another password? I-Bank Online Banking customers can access their account directly anytime they’re logged into their First Interstate Bank accounts.  SECURITY BENEFITSZero LiabilityHave peace of mind knowing that First Interstate Bank won’t hold you responsible for <unauthorized purchases= on your Mastercard. Zero liability applies to purchases made in the store, over the telephone or online. Call toll free at 1-888-833-3454. Mastercard® Global ServiceGet emergency assistance virtually any琀椀me, anywhere and in any language. Mastercard Global Service helps you report a Lost or Stolen Card, obtain an Emergency Card Replacement or Cash Advance, 昀椀nd an ATM loca琀椀on, and answer ques琀椀ons regarding your account. Call toll free at 1-800-MASTERCARD. 24-Hour Cardholder AssistanceReceive call center support 24/7 that can help you with account informa琀椀on, card ac琀椀va琀椀on or repor琀椀ng your card lost or stolen. Contact 1-888-833-3454. Mastercard® SecureCodeSecureCode helps ensure that only you can use your Mastercard when shopping online. Using a private code 琀椀ed speci昀椀cally to your Mastercard account, SecureCode helps prevent unauthorized purchases. For more details visit www.Mastercard.us/securecode. ID The昀琀 Protec琀椀on Provides you with access to a number of Iden琀椀ty The昀琀 resolu琀椀on services, should you believe you are a vic琀椀m of Iden琀椀ty The昀琀. This product o昀昀ering prevents iden琀椀ty the昀琀 by monitoring the Internet, indexed and not, searching for compromised creden琀椀als and poten琀椀ally damaging use of cardholders’ personal informa琀椀on in order to detect fraud at its incep琀椀on.   Fraud Alert ManagementSecurity is a top priority at First Interstate Bank that’s why we u琀椀lize a Fraud Alert Management detec琀椀on system which con琀椀nuously monitors your First Interstate Bank Mastercard ac琀椀vity to help iden琀椀fy and prevent fraudulent transac琀椀ons on your account. If suspicious charges or transac琀椀ons outside of your normal spending pa琀琀erns appear on your card, you may receive an automated phone call from Fraud Alert Management on behalf of First Interstate Bank to verify the ac琀椀vity on your account. If the Automated Call System cannot reach you, a temporary block may be placed on your card un琀椀l you validate the transac琀椀on/ac琀椀vity in ques琀椀on.  SHOPPING BENEFITSPurchase AssuranceProtect your purchases. Purchase Assurance provides coverage for most items you purchase using your Mastercard if the item is damaged or stolen within 90 days of the purchase. Call 1-800-MASTERCARD for more informa琀椀on.* Postmates Postmates helps people unlock the best of their ci琀椀es—and their lives, with an insanely reliable <everything= network. Postmates is the 昀椀rst on-demand company—helpingcustomers in 650 US ci琀椀es & Mexico get anything, any琀椀me, anywhere. World       Mastercard cardholders receive a $5 discount on all orders over $25. ShopRunner Program ShopRunner is an online shipping service that helps its memebers save both 琀椀me and money. ShopRunner members receive unlimited free two-day shipping and free returnshipping on purchases at more than 140 online stores, including clothing, shoes,   beauty, electronics, home, gi昀琀s and more. Mastercard AIRPORT CONCIERGE# Enjoy the experience of 昀椀rst class, luxury service at the airport. Mastercard Airport Concierge™ helps relieve some of the stress associated with air travel. As a World Mastercard cardholder, you can arrange for a personal, dedicated <Meet and Greet= agent to escort you through the airport on departure, arrival, or any connec琀椀ng 昀氀ights. There are also certain airports where you can be expedited through the security and/or immigra琀椀on process. Available 24/7/365 at over 450 des琀椀na琀椀ons worldwide, Mastercard Airport Concierge is your passport to the 昀椀ner side of air travel. Visit www.Mastercard.com/airportconcierge for details. MasterAssist Travel AssistanceReceive pre-trip informa琀椀on such as visa/passport requirements, immuniza琀椀on informa琀椀on, and help with lost/stolen travel documents and luggage. With MasterAssist, you’ll have access to a referral network of physicians, a琀琀orneys, local embassies and consulates if you are traveling more than 100 miles from home. Contact 1-800-MASTERCARD for more informa琀椀on.Travel Accident InsuranceTravel more safely with Travel Accident Insurance. As an eligible cardholder, you and your dependents are covered automa琀椀cally with travel accident insurance when the en琀椀re travel fare is charged to your eligible Mastercard account while this insurance is e昀昀ec琀椀ve.For more details, please write to the Plan Administrator:Financial Ins琀椀tu琀椀on Marke琀椀ng GroupP.O. Box 31065Tampa, FL  33631-3065 *Certain terms, condi琀椀ons and exclusions apply. Visit www.mycardbene昀椀ts.com for complete program details.  TRAVEL BENEFITSMaster RoadAssistObtain emergency roadside assistance such as jump-starts, 琀椀re changes, towing, andgas delivery if you get stuck on the road. Service fees are pre-nego琀椀ated and billed toyour First Interstate Bank Mastercard account. Contact 1-800-MASTERCARD for moreinforma琀椀on.   SECURITY BENEFITS CONT.Fraud Alert Management Cont.For Fraud Alert Management support within the US call  1-800-437-9392. If you’re traveling or reside outside Canada or the US, you may obtain Fraud Alert Management support by calling collect at 1-727-227-2447. ACH AUTO PAYMENT AGREEMENT I (we) hereby authorize First Interstate Bank to initiate withdrawals from the account indicated below to pay on credit card account number #   -  -  -  . I (we) agree that your rights in respect to each withdrawal shall be the same as if it were a check drawn on my (our) account and personally signed by either of us and that you shall be fully protected in honoring such a withdrawal.  I (we) further agree that if any such withdrawal is dishonored with cause, First Interstate Bank shall be under no liability whatsoever if such dishonor results in late charges or revocation of my (our) card.  If funds are not available, this agreement is null and void immediately. CARDHOLDER NAME CITY STATE ZIP TRANSIT/ABA NO. __ __ __ __ __ __ __ __ __  Checking    Savings     ACCOUNT # (The first 9 numbers from the left at the bottom of your check are your Bank Routing Number.) Indicate the date each month the payment will be applied to the credit card account:* (Payment date cannot be between the 6th and 10th of the month.)  If blank or if you have Special Billing Options** payment date will default to the due date. *If payment falls on a weekend or holiday the payment applies on the following business day.**Special Billing Options are available for Business Customers only. Contact Payment Services for more information.The amount of payment for my (our) credit card to be deducted monthly is (check one):  The minimum required payment amount or percentage as disclosed in the cardholder agreement, $20.00 dollars or 3%, whichever is greater.  The total unpaid balance of the account as of statement date.  Business customers only:  The total balance due as of the statement cycle (credits received after statement cycle will not lower the amount of payment applied.  Credits will apply to the next month’s balance).  A fixed dollar amount which is greater than the minimum required payment but less than the full unpaid balance.  The fixed dollar amount to be withdrawn monthly is $ _______.____.  Write out dollar amount. ___________________________________dollars.  A fixed percentage of the balance which is greater than the minimum required payment but less than the full unpaid balance.  The fixed percentage of the unpaid balance to be withdrawn monthly is _________%.  Write out percentage amount. _______________________________percentage. This authority is to remain in full force and effect until I (we) provide First Interstate Bank requesting that a change be made or termination of this agreement.  Notification to change or terminate must be received 30 days prior to the date you would like the change or termination to take place. I (we) understand and agree that in order for First Interstate Bank to make payments requested in this authorization form, I (we) must have the payment amount available in my (our) account.  I (we) further understand and agree that First Interstate Bank shall not be responsible for any act or failure to act on their part, except in the case of gross negligence or willful misconduct.  Furthermore, I (we) agree to hold First Interstate Bank harmless from any claims, liabilities, attorney’s fees and other costs and expenses of any and every kind and nature which may be incurred by them by reason of their performance under this Authorization Form.  In addition, Iunderstand that it may take up to 30 days from the date this agreement is received for the ACH transfers to take effect.  I agree I amresponsible for any paymentsduring this time frame.   Customer Signature    Date If you have any questions, please call (888) 833-5434. Fax form to 406-255-5432, or scan and email to creditcards@fib.com. SaveMoneyonHigherInterestCreditCardsYes!Iwanttosavemoneybytransferringmyhigherinterestratecreditcard(s)tomyFirstInterstatecreditcard.Pleaserefertotheaccounttermsandconditionsforbalancetransferrateandfeeinformation.Name:___________________________Phone:_________________________________Address:__________________________City______________State______Zip__________FirstInterstateCreditCardNumber#________-________-________-________Signature:_______________________________________________________________Uponapproval,itmaytakeuptothreeweekstopostthebalancetransfertransaction.Thismeansyoumayneedtomakeapaymenttoyourcurrentaccounttoavoidlatepaymentfees.Returnthisbalancetransferformtoyourlocalbranchormailto:FirstInterstateBankCreditCardDivisionP.O.Box30918Billings,MT59116-0918CardIssuer#1:________________________________AccountNo.__________________________PaymentAddress:___________________________________________________________________City:____________________State:________________Zip:________________Amounttobetransferred:$_____________________Issuer’sPhoneNo.____________________CardIssuer#2:________________________________AccountNo.__________________________PaymentAddress:___________________________________________________________________City:____________________State:________________Zip:________________Amounttobetransferred:$_____________________Issuer’sPhoneNo.____________________CardIssuer#3:________________________________AccountNo.__________________________PaymentAddress:___________________________________________________________________City:____________________State:________________Zip:________________Amounttobetransferred:$_____________________Issuer’sPhoneNo.____________________