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rev.10/2012
FACTS WHAT DOES FIRST INTERNATIONAL BANK & TRUST and INSURANCE DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  • Social Security number and Transaction and loss history
  • Credit history               and  Insurance claim history
  • Income                         and  Account balances

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First International Bank and Insurance chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does 1st International
Bank & Insurance share?

Can you limit this sharing?

For our everyday business purposes--
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes

No

For our marketing purposes--
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes--
information about your transactions & experiences

No

We don't share

For our affiliates' everyday business purposes--
information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions? Call 877-837-1600 or go to http://www.firstintlbank.com/   
Who we are
Who is providing this notice? First International Bank & Trust and First International Insurance
What we do
How does First International protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.
We restrict access to your personal information to those employees who need to know that information to provide services to you.
How does First International collect my personal information?

We collect your personal information, for example, when you

  • Open an account              or Apply for insurance
  • Apply for a loan                or Use your debit or credit card
  • Seek advice about your investments

We also collect your personal informaton from others such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  • First International Bank & Trust and First International Insurance does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

  • First International Bank & Trust and First International Insurance does not share with non-affiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include gift and travel card companies.
Other important information                                                                                


STATEMENT OF BILLING RIGHTS

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

 

In Case of Errors or Questions About Your Electronic Transfers.  Telephone or Write us at the phone number or address at the bottom of this statement as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

                (1) Tell us your name and account number, (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.

                (3) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly.  If we take more than 10 business days to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation.

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 the address at the bottom of this statement.  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 within 60 days after the error appeared on your statement.

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.

While we investigate whether or not there has been an error, the following are true:

   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.  But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to 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.

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 the address at the bottom of this statement.  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.

 

First International Bank & Trust

PO Box 607

Watford City, ND  58854

1-800-359-8092

 

Revised 03-2011


 
Credit Card Customer Identification Notice/Policy
Our bank complies with Section 326 of the USA Patriot Act. This law mandates that our bank verify certain information about you while processing your account application.

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 open an account, we will ask for your name, physical address, mailing address, date of birth, Social Security Number, and telephone number. We will ask that you provide the following driver’s license information: current driver’s license number, issue date, expiration date, and state of issuance.

We may ask for identifying government issued photo identification and other information that will allow us to identify you.

A legal entity will be required to provide the registered entity documents, employer identification number, resolution of authorized signers, and certificate of good standing. Our bank may ask for the identifying information on the authorized signers.

Our bank will verify the accuracy of information provided using acceptable banking practices. 





10-1-08
Visa Business Credit Card Disclosures

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) for Purchases and Balance Transfers 9.99%
APR for Cash Advances 18.00%
Paying Interest Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.  We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge if you are charged interest, the charge will be no less than $2.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve board at http://www.federalreserve.gov/creditcard.
FEES
Annual Fee $35

Transaction Fees 
     *Cash Advance

 *Foreign Transaction


Either $5 or 3% of the amount of each cash advance, whichever is greater.

Up to 1% of each transaction in U.S. dollars.

Penalty Fees 
     *Late Payment

    *Returned Payment

Up to $35

Up to $35


How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."  See your account agreement for more details.

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Additional fees may apply for special services requested by the cardholder. 

As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. If you believe that we have furnished information to a consumer reporting agency that is inaccurate, please notify us at the following address and identify the specific information that is inaccurate. The information about the cost of the card described in this supplement was printed on 5-1-11 and is accurate as of that date.  The information is subject to change after that date and you should call us at 1-888-848-3428 or write us at First International Bank & Trust - PO Drawer 607 - Watford City ND 58854 for the current information.  MEMBER FDIC

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

Additional Fees/Services:

  • Special Posting Fee: $10.00
  • Express Order Fee: $25.00
  • Research Fee: $15.00/hour plus $.25/copy