Important Cost Information about our Credit Card 

Interest Rate and Charges 

Annual Percentage Rate 
(APR) for Purchases  

18.0% 

The APR in effect will vary with the market based on the Prime 
Rate.  

APR for Cash Advances  Cash advances are not available with this account. 

Penalty APR and When it 
Applies 

See Annual Percentage Rate (APR) for Purchases.  There is 
no Penalty APR. 

How to Avoid Paying 
Interest 

Your due date is at least 21 days after the close of each billing 
cycle. We will not charge you interest on Purchases if you pay 
your entire balance by the due date each month.  

Minimum Interest 
Charge 

If you are charged interest, the charge will be no less than 
$0.50. 

For credit card tips from 
the Consumer Finance 
Protection Bureau 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://consumerfinance.gov/learnmore  

Fees 

Annual Fee 

$0 intro for the first year, $49 per year thereafter 

Transaction Fees 

●  Cash Advance 

Cash advances are not available with this account 

● 

International 
Transaction 

Penalty Fees 
●  Late Payment 
●  Returned Payment 
●  Over the Limit  

2.5% of each transaction in U.S. dollars 

Up to $25 
Up to $35 
None 

How We Will Calculate Your Balance: We use a method called "average daily balance 
(including new purchases)."  For further details, please see the Terms and Conditions below. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
The margin used to calculate the APR is: 14.50%.  The APR in effect as of May 1, 2016 is 
18.0% (0.04932% daily periodic rate). 

Terms and Conditions Continued: 

In these Terms and Conditions, the words “you” and “your” refer to each person who requests that we 
establish a credit card account (“Account”) and issue a Visa® credit card (a “Card”) to that person. The 
words “we”, “us”, “our” and “FB&T” mean First Bank & Trust, located in Brookings, SD. Final, Inc. will 
service your Card and Account for First Bank & Trust. 

These Terms and Conditions contain important information about Cards issued by us. Offers may vary. 
Please carefully review the reward benefits, interest rates, account fees and other terms and conditions of 
this particular offer before applying.   

Terms and Conditions Authorization: I understand that the use of the Account opened or any Card 
issued in connection with this offer will constitute my acceptance of and will be subject to these Terms 

and Conditions and the “Cardholder Agreement” that will be sent to me. I agree to be responsible for all 

charges incurred through my use of the Account or Card according to the Cardholder Agreement. I 
understand that after my Account is opened, the terms of my Account are subject to change as provided 
in the Cardholder Agreement.  

About This Offer: You must be at least 18 years of age. This offer is available only to applicants who 
are residents of the United States, with the exception of Puerto Rico and the US territories, and 
may not be available if you already have or have had an account with us.  
If at the time of your application you do not meet the credit or income criteria previously established for 
this offer, or the income you report is insufficient based on your current obligations, we may be unable to 
open an Account for you.  

About Us and This Credit Card Program: This Agreement is entered into in the State of South Dakota 
where the decision to grant credit is made and in which payments will be received. Therefore, this 
Agreement will be governed by the laws of the State of South Dakota without giving reference to conflict 
of law provisions. If there is any conflict between any of the terms and conditions of this Agreement and 
applicable law, this Agreement will be considered changed to the extent necessary to comply with the 
law. The other provisions of the Agreement shall not be affected.  Visa is a registered trademark of VISA 
USA, Inc. and is used by us pursuant to a license. 

Changes to Account and Benefits Terms: We reserve the right to change the annual percentage rate 

(“APR”) and other Account terms in accordance with the Cardholder Agreement and applicable law. We 

also reserve the right to change the benefits and features associated with the Card or the Account. 

About Your Credit Report and Your Credit Performance: You agree that we may, from time to time, 
make inquiries pertaining to your credit standing and financial responsibility. You also authorize us to 
obtain a credit report on you at any time in the future in connection with our review, collection or 

 
 
 
 
 
 
  
 
 
  
  
  
 
administration of your Account. Upon your request, we will tell you the name and address of each 
consumer reporting agency from which we obtained a consumer report about you.   

We may report information about your account to credit reporting agencies.  Late payments, missed 
payments, or other defaults on your account may be reflected in your credit report.  We may also release 
information to others, including our affiliates, about our experience with your Account. This could include 
negative information if you do not comply with the terms of the Account.  

How the Variable APR on Your Account will be Determined: The APR on your account will be 

determined each billing cycle by adding a margin to the “Prime Rate” (which will be the highest rate 

published in the Money Rates column of The Wall Street Journal on the 25th of the month, or the 
following business day in the event the Prime Rate is not published on the 25th). See the Cardholder 
Agreement for more detail. 

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 
to you: When you apply for an account, we will ask for your name, street address, date of birth, social 
security number, and other information that will allow us to identify you. We may also ask to see copies of 
identifying documents. We also ask for country of citizenship. 

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral 
statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely 
affects the interest of the creditor unless the creditor, prior to the time the credit is granted or an open-end 
credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual 
knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED 
UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY. 
Notice to New York Residents:  You may contact the New York State Department of Financial Services 
at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and 
grace periods. 
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit 
equally available to all credit worthy 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. 
Notice to California Residents: If married, you may apply for a separate account. 

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime 
thereafter, you authorize us and our affiliates, agents and independent contractors, and any future 
assignees to contact you regarding your Account.  Within applicable federal and state law, such parties 
may contact you at the provided number(s) using any means of communication, including, but not limited 
to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded 
messages or text messages. Standard text messaging and/or calling charges may apply. 

Paying Interest on Purchases:  We charge interest on purchases unless you pay your entire balance by 
the payment due date each and every month.  Please see your Cardholder Agreement for details on how 
interest accrues. 

 
 
 
  
 
  
  
  
  
Cash Advances and Cash Equivalent Purchases: Cash Advances are not available with this account.  
The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire 
transfers and other similar transactions are treated as cash advances and will be denied. Please see the 
Cardholder Agreement that will accompany your credit card upon account opening for more details. 

The information contained in these disclosures is accurate as of 05/01/2016 and may change after this 
date.  Please contact us for any change in the credit disclosures above since the application was printed 
by calling 855-552-5375. 

Final is a registered trademark used under license in the United States.                                                                
© 2015 Final, Inc.