1st Unsecured Credit Cards

THE TERMS - page 2

Terms page 1

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Error or Questions About Your Bill

If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

  • Your name and account number.

  • The dollar amount of the suspected error.

  • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally has.

If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

Special Rules for Credit Card Purchases

If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two limitations to this right:

a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address, and
b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

Important Information
The CreditLink Visa  is issued by First National Bank in Brookings, PO Box 6000, Brookings, South Dakota 57006-6000, Member FDIC.

If your application is approved, the complete terms applicable to the account will be furnished to you with your First National Bank Card. Information described in this application is accurate as of July 24, 200016 Aug 2000 21:33:12 -0700. This information may have changed after that date. To find out what may have changed, please write to the above address.

By responding to this 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 collection on your account.

If you are issued a credit card, your cardholder agreement will contain a binding arbitration provision. In the event of any dispute relating to your credit card or cardholder agreement, the dispute will be resolved by binding arbitration pursuant to the rules of the American Arbitration Association and both you and we agree to waive the right to go to court or to have the dispute heard by a jury (except in regard to any collection activities on your account). You and we will be waiving any right to a jury trial and you also would not have the right to participate as part of a class of claimants relating to any dispute with us. Other rights available to you in court may also be unavailable in arbitration. When you receive your cardholder agreeement you should read the arbitration provision in your agreement carefully and not accept or use the card unless you agree to be bound by the arbitration provision.


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