BLRW-D-0417 (AFTI)

Interest Rates and Interest Charges
Annual Percentage Rate (APR)
for Purchases
APR for Cash Advances
How to Avoid Paying Interest 
on Transactions

Minimum Interest Charge
For  Credit  Card  Tips  from  the 
Consumer  Financial  Protection 
Bureau

Fees

Set-up and Maintenance Fees

29.9%
29.9% 
Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on transactions if you pay your entire balance by the due date 
each month.
NONE
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

NOTICE:  Some  of  these  set-up  and  maintenance  fees  will  be  assessed  before 
you begin using your card and will reduce the amount of credit you initially have 
available. For example, if you are assigned the minimum credit limit of $350, your 
initial available credit will be only about $275 (or about $255 if you choose to have 
an authorized user).

  Annual Fee
  Authorized User Fee

Transaction Fees
  Cash Advance

Penalty Fees
  Late Payment
  Returned Payment

$75
$20 annually (if applicable)

2% of each cash advance

Up to $25
Up to $25

How We Will Calculate Your Balance: We use a method called “ending balance”. We figure the interest charge on your 
Account by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash 
advances and fees) and deducting payments and credits made during the billing cycle.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph  
 16 of this Contract.

 
 
Terms and Conditions

Blaze MasterCard Credit Card Important Information: Please take the time to read and save. 

PRESCREEN & OPT-OUT NOTICE: You were selected for this “prescreened” offer of credit because the credit 
bureau gave us your name and address and indicated that you met our minimum credit criteria (the way you 
maintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell 
the  credit  bureaus  to  stop  using your  credit  information  for  this  purpose.  To  make  this  request,  you  need  to 
notify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax 
Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA, 
19094-0505, or call 1-888-567-8688.

Conditions Of This Pre-Approved Offer: You must 1) be a resident of the United States, 2) accept this offer on 
or before the REPLY BY DATE; 3) continue to meet our minimum credit criteria; 4) provide information that can 
confirm your income and that you are 18 years old or older; 5) meet our debt-to-income requirements; and 6) NOT 
have any other Blaze MasterCard Credit Card issued by First Savings Bank.

Important  Information  About  Procedures  For  Opening  a  New  Account:  To  help  the  government  fight  the 
funding  of  terrorism  and  money  laundering  activities,  federal  law  requires  all  financial  institutions  to  obtain,  verify 
and  record  information  that  identifies  each  person  who  opens  an  account.  What  this  means  for  you:  When  you  open 
an  account,  we  will  ask  for  your  name,  address,  date  of  birth  and  other  information  that  will  allow  us  to  identify  you. 

REWARDS  Program  Information: You  will  earn  $1  in  rewards  for  every  $100  in  net  purchases  made  on  your  account.    Net 
purchases are purchases made during the billing cycle minus returns and disputed purchases. Rewards earned during a billing 
cycle will be awarded when that cycle’s billing statement prints. Rewards can be redeemed one billing cycle after awarded. There 
is no limit on the amount of rewards you can earn. You will not earn rewards on cash advances, fees or interest charges. Rewards 
cannot be redeemed until your account has been open 90 days. When you have been awarded $3 or more in rewards, you can 
redeem  your  rewards  by  calling  the  customer  service  telephone  number  on  your  statement.  Partial  redemption  of  rewards  is 
permitted. If you have $300 in rewards that you have been awarded but have not redeemed, those rewards will be automatically 
redeemed. Redeemed rewards will post as a payment to your account. You may also have to make a separate payment to meet 
the required minimum due on that billing statement. If redeemed rewards create a credit balance on your account, you may request 
a refund check or the credit balance may be automatically refunded to you. The rewards balance will appear on your monthly billing 
statement. Rewards will not expire. If your account is closed, suspended or in default, we will apply your earned rewards to your 
account.

Qualify For Future Unsecured Credit: Initially, you will be issued a MasterCard® with at least a $350 credit limit, up to a 
maximum of $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in 
good standing and maintain your credit profile, you may be eligible to receive future credit limit increases.

Privacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to 
limit some but not all sharing. All financial companies need to share customers’ personal information to run their everyday 
business. We do not share your personal information except as permitted by law to process your transactions, maintain your 
account(s), respond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services 
to you. We will provide a complete privacy notice when your account is approved. If you would like a copy of our privacy 
notice, you may obtain one by visiting our website at www.blazecc.com.

Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email 
address.

Authorization / Notices: By accepting this offer, you are requesting credit from us. You confirm that all information you 
provide to us is true and correct.

Credit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now 
and in the future, for any legitimate business purpose associated with the account or request for an account, including but 
not limited to reviewing, modifying, renewing or collecting on your account. We may report information about your account to 
credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. 
You and each authorized user agree that we may report account information to credit reporting agencies in the names of 
both you and the authorized user(s).

Optional PREMIUM Club Membership: This optional program offers participants access to an online shopping mall with 
cash back rewards, lost key protection and prescription, hotel and rental car discounts. The cost of this program is $4.95 
per  month  and  is  included  on  your  billing  statement.  Should  you  want  to  cancel,  call  customer  service  or  write  to  the 
PREMIUM Club. Enrolling or using the services, products or discounts of the PREMIUM Club signifies your acceptance of 
the membership and associated fee.  This program is offered and administered by CAPITAL Enhancement Services, LLC. 
The PREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC.  All rights reserved. © Copyright 2017, 
CAPITAL Enhancement Services, LLC.

 
Credit Card Contract and Initial Disclosure Statement 

Please read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms 
of  this  contract  when  you  sign  your  application.  In  the  contract,  “bank,”  “we,”  “our”  and  “us”  refer  to  First  Savings  Bank 
(Beresford, SD) and we are the creditor named in the application you signed. “You,” “your” and “applicant” are the person(s) 
who applied to us for the account. “Contract” means the terms and conditions outlined in this contract. “Account” means the 
credit card account we open for you to use to access the credit we extend to you. “Credit limit” means the maximum account 
balance you can have at any time.

1.  Your Responsibility for the Account: You are responsible for the balance on the account and you agree to pay 
the balance under the terms of this contract. You need to sign the back of the card. You need to protect and control 
the card by not letting any other person use it. If you let another person use it, you agree to be responsible for any 
charges they make. We may let you add an authorized user to your account. An authorized user is any person you 
give permission to use the card or your account. If you add an authorized user, you agree to pay for any charges they 
make as well as any related fees or interest. If you do not pay for the charges made by the authorized user, we may 
choose to collect directly from them. If you want to remove an authorized user from your account, you need to get the 
card from them and notify us. If you cannot get the card, contact us immediately and we will close the account to try to 
stop further charges. The cards remain our property and you agree to return them at our request or we have the right 
to have a merchant keep the card and return it to us. If your card is lost or stolen or you suspect unauthorized use of 
your account, you agree to notify us immediately.

2.  Using Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or 
suspend the account at any time for any reason including if the activity on your account appears suspicious, if we 
are concerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of 
charges  you  can  make  on  the  account. You  may  be  assigned  a  PIN  (Personal  Identification  Number)  or  you  may 
request a PIN to use ATM’s to obtain cash advances. The minimum cash advance is $20.00. Your card and account 
cannot be used for illegal charges. You may not use your Card in connection with any gambling transaction (whether 
legal or illegal).

3.  Your Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may 
not go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over 
your credit limit immediately. 

4.  Monthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. 

It will also show your minimum payment and payment due date. 

5.  REWARDS Program Information: You will earn $1 in rewards for every $100 in net purchases made on your account.  
Net purchases are purchases made during the billing cycle minus returns and disputed purchases. Rewards earned during 
a billing cycle will be awarded when that cycle’s billing statement prints. Rewards can be redeemed one billing cycle after 
awarded. There is no limit on the amount of rewards you can earn. You will not earn rewards on cash advances, fees or 
interest charges. Rewards cannot be redeemed until your account has been open 90 days. When you have been awarded 
$3 or more in rewards, you can redeem your rewards by calling the customer service telephone number on your statement. 
Partial redemption of rewards is permitted. If you have $300 in rewards that you have been awarded but have not redeemed, 
those rewards will be automatically redeemed. Redeemed rewards will post as a payment to your account. You may also 
have to make a separate payment to meet the required minimum due on that billing statement. If redeemed rewards create 
a credit balance on your account, you may request a refund check or the credit balance may be automatically refunded to 
you. The rewards balance will appear on your monthly billing statement. Rewards will not expire. If your account is closed, 
suspended or in default, we will apply your earned rewards to your account.

6.  Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send 
a payment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights 
to collect the full balance if we accept late payments, partial payments or checks or money orders marked “payment in 
full” or similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive 
them and will not be liable for any fees that may result. We will post payments when received but we may restrict your 
ability to make new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid 
from your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can 
get a copy of it at your request. 

7.  Minimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must 
pay at least the minimum payment each month by the payment due date. The payment due date will be twenty-five 
(25) days from the closing date. The closing date is the last day of the billing cycle.
Monthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than 
$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the 
current late fee and interest. 
Minimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly 
payment plus any amount over your credit limit.

8.  Applying your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees 
and other charges, and then principal balance. Payments applied to the principal balance will first be paid to balances 
at the highest annual percentage rate (APR) and then to balances at lower APR’s.

9.  Payment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the 

United States. Do not send cash through the mail. 

 
10.  When Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment 
due date. We will charge interest on the ending balance. Ending balance means the balance on your account at the 
end of any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum 
of the previous balance (the ending balance on your last statement) less payments and credits, plus new purchases 
and new cash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending 
balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate 
of 29.9% by 12 (months). The monthly periodic rate is 2.4917%. 

11.  Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will 

accrue interest.
a.  Annual Fee: A $75 annual fee will be billed on your first billing statement and then about the same time each year.
b.  Late Fee: You will be billed up to $25 if your payment is not received by the payment due date. 
c.  Returned Payment Fee:  You will be billed up to $25 if your payment is returned for any reason. 
d.  Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.
e.  Optional Authorized User:  If you add an authorized user, there is a $20 annual authorized user fee.

12.  Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (866) 205-
8311, 24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will 
not be responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use. 

13.  If  Card  is  Refused:  We  are  not  responsible,  and  have  no  liability  if  your  card  or  account  is  not  accepted  for  a 
charge. Although you may have the credit available, we may be unable to authorize credit due to system difficulties or 
mistakes. If your account is over the credit limit or past due, authorization for charges should be declined. 

14.  Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may 
be recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone 
calls to contact you at any number you provide to us or that we obtain, including any cellular telephone number. You 
agree that we will not be responsible for the release of information to anyone who has gained possession of a card or 
identification number, credit account number or social security number. 

15.  Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number or contact us 
from your cellular phone, you are providing this phone number for us, our affiliates or any third party acting on our 
behalf to contact you at this number. You agree that we may use this phone number to contact you for any business 
purpose about your account and you agree to be responsible for any fees or charges you incur as a result of providing 
this information. You may request this number not be used. We may offer options for text messages or other electronic 
communications that may be received or accessed from your cellular phone and you agree that by enrolling in these 
services, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment.

16.  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: Blaze MasterCard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. In your letter, give us the following 
information: Your name and account number; the dollar amount of the suspected error; a description of the 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; 1) Within 60 days after the error appeared on your statement; and, 2) If you have enrolled in 
automatic payment, at least 3 business days before the payment is scheduled if you want to stop payment on the 
amount you think is wrong. You must notify us of any potential errors in writing. You may call us but if you do, we are 
not required to investigate any potential errors and you may have to pay the amount in question.
When we receive your letter, we must do two things: 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. 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  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. These limitations do not apply 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: 
Blaze MasterCard Credit Card, PO Box 5096, Sioux Falls, SD 57117-5096. 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.

17.  Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing 

them.

18.  Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may 
obtain a credit report for reviewing, modifying the terms, renewing the account or collection. We 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. You and each authorized user agree that we may report account information to credit 
reporting agencies in the names of both you and the authorized user.

19.  Change in Terms of your Credit Account: We may change any term of this contract at any time upon notice to you 
as is required by law. You may have the right to reject the change in terms, depending on the type of change, and if 
you do, your account will be closed and you will be able to pay off the balance under the terms in effect at that time.

20.  Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit 
will be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts, 
and applicable federal law. 

21.  Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not 

affect the validity or enforceability of any other provision of this contract.

22.  Default: You will be in default of this contract if any of the following occur:

If you do not make a minimum payment on your account on or before the payment due date;
If you die or become legally incompetent;
If you become insolvent or bankrupt;
If you exceed or attempt to exceed your credit limit;
If you provide us with or have provided us with false or misleading information or signatures at any time;
If you fail to comply with this contract;
If you request an excessive number of replacement cards; or

a. 
b. 
c. 
d. 
e. 
f. 
g. 
h.  We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.

If you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. 
We can also require that you pay us the balance on your account.  You agree that you will return the card(s) to us. 
Even if an account is in default, you agree to pay interest and fees as defined in this contract until your balance is paid 
in full. If your account is in default and you try to make charges, we can use any legal means to recover the card(s) 
including listing your account in warning bulletins and offering rewards for the return of the cards. If you resolve a 
default situation, we can still declare the same or another default later on your account. 

23.  Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly 
statement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay 
the balance on the account under the terms of this contract. We can suspend your account privileges or cancel your 
account at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will 
have no obligation to notify you prior to suspending your charging privileges or cancelling your account. 

23.  Refund of Initial Fees:  If you cancel your account within 90 days after the card is first mailed to you and if you have 
not used your account for any charges, all fees and interest billed to your account will be credited back to your account.

24.  Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe 

us by reason of this contract, you agree to pay reasonable attorney’s fees and other collection costs.

25.  Headings: The headings used in this contract are for the convenience of reference only and are not intended in any 

way to define or describe the scope or intent of any provision of this contract.

26.  State Notices:

a.  California  Residents: A  married  applicant  may  apply  for  a  separate  account. As  required  by  law,  you  are 
hereby notified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill 
the terms of your credit obligations. After credit approval, each applicant shall have the right to use the account 
up to the limit of the account. Each applicant may be liable for amounts extended under the plan to any joint 
applicant.

b.  Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.
c.  New York Residents: Consumer reports may be requested in connection with the processing of the application 
and any resulting account. Upon your request, we will inform you of the names and addresses of any consumer 
reporting agencies which have provided us with such reports. New York residents may contact the New York 
Department of Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New 
York Department of Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.

d.  Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available 
to  all  creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual upon request. The Ohio Civil Rights Commission administers compliance with this law.