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.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. 

D.  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. 
E.  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. 

F.  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. 

G. 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. 

H.  This  agreement  may  be  amended  from  time  to  time  by  Issuer,  by 
written  notice  mailed  to  Cardholder  at  Cardholders  last  known 
address. 

I.  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. 

J.  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. 

K.  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 
PO Box 182477 
Columbus, OH 4321 8-2477 

L.  Cardholder  agrees  that  Issuer,  its  agents  or  service  companies 
may  monitor  and  /  or  record  any  telephone  communications  with 
Cardholder. 

M. 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. 

N.  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. 

O. 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. 

P.  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). 

3068835B 

YOUR BILLING RIGHTS 

Keep This Document for Future Use 

This notice tells you about your rights and 
our responsibilities under the Fair Credit 
Billing Act 

What To Do If You Find a Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 

Customer Service 
PO Box 182477 
Columbus, OH 43218-2477 

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  bill,  describe  what  you  believe  is 
wrong  and  why  you  believe  it  is  a  mistake.  You  must 
contact us: 

o  Within  60  days  after  the  error  appeared  on  your 
statement. 
o  At 

least  3  b usiness  days   befo re   an  
autom ated   paym ent  i s   s c h e d u l e d ,   i f   y o u  
w a n t   t o   s t o p   p a y m e n t   o n   t h e   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. 

While we investigate whether or not there has been an error: 

> 

The charge in question may remain on your statement, 
and 
we may continue to charge you interest on that amount. 

>  We can apply any unpaid amount against your credit limit. 

After 
we finish our investigation, one of two things will happen: 

t h e   amount 

the  amount 

o  I f   w e   m a d e   a   m i s t a k e :   Y o u   w i l l   n o t   h a v e  
in  question  or  any 

t o   p a y  
interest or other fees related  to that amount. 
o  If  we  do  not  believe  there  was  a  mistake: 
You  will  have 
in 
to  pay 
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  t h e n  r e p o r t  y o u  a s  d e l i n q u e n t  
i f   y o u   d o   n o t   p a y   t h e   amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the 
problem  with  the  merchant,  you  may  have  the  right  not  to  pay  the 
remaining  amount  due  on  the  purchase.  To  use  this  right,  all  of  the 
following must be true: 

1. The purchase must have been made in your home state or within 100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have been more than $50. (Note: Neither of these are necessary if 
your purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or services.) 

2. You  must  have  used  your  credit  card  for  the  purchase.  Purchases 
made  with  cash  advances  from  an  ATM  or  with  a  check  that 
accesses your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: 

Customer Service 
PO Box 182477 
Columbus, OH 43218-2477 

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. 

DISCLOSURES REQUIRED BY FEDERAL LAW 

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: 

a. Cash Advance: 1.50% per month – Corresponding ANNUAL 

PERCENTAGE RATE – 18.00%. 

b. Credit  Purchases:  0.00%  per  month  for  6  months,  after  that 
.8325% per month – Corresponding ANNUAL PERCENTAGE 
RATE 0.00% for 6 months, after that 9.99%. 

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. 

d. Balance Transfers: 0.00% for 15 months, after that .8325% 
per  month  –  Corresponding  ANNUAL  PERCENTAGE 
RATE 0.00% for 15 months, after that 9.99%   

e. Balance Transfer Fee: Equal to the greater of $5.00 or 3% 

of each Balance Transfer will be imposed. 

2. MINIMUM INTEREST 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. 

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