Disclosures Credit Card Agreement
This Agreement contains the terms which govern the use of your Visa credit card ("Card") and corresponding account "Account", and outlines your responsibilities and ours. You do not have to sign the Agreement. You agree to the terms of this Agreement when you accept, sign or use the Card or Account, and once you do any of those things the Agreement will be in force.Please review and save the following important information about vour Account.
In this Agreement, the words "you," "your," "yours," mean each cardholder, each person who applied for the Account, and each authorized guarantor (if any), individually and collectively. The words "we," "us," "our," and "ours" mean First Internet Bank of Indiana. The term "Pricing Information" means the "Consumer Card Pricing Information," or "Consumer Rewards Card Pricing Information,"whichever is applicable to the type of Card you receive
USING YOUR ACCOUNT
You may use your Account in the ways listed below. You cannot use your Account for illegal purposes, such as Internet gambling.
Purchases
You may use your Account for purchases or lease of goods and services by using your Card.
BalanceTransfers
You may transfer any amount, but the total amount of your balance transfer and balance transfer fee (if any) must be less than vour available creditlimit.
Cash Advances
You may obtain cash advances from financial institutions, via your First Internet Bank online banking transfer, at automatic teller machines or by using Convenience Checks, if we provide them. Transactions that ViSA identifies to us as transactions with a seller of travelers checks, foreign currency, money orders, wire transfers, lottery tickets, or funds used for wager or gambling also will be treated as cash advances. The total outstanding balance of your cash advances must be less than vour cash advance limit
Convenience Checks
We may provide you with Convenience Checks you may use to access your Account. If you make a payment to someone with a Convenience Check.we will tell vou whether the check will be treated as a Balance Transfer or Cash Advance.You may not use a Convenience Check to pay any amount you owe us.
Credit Authorizations
We may not authorize a transaction for security or other reason including operational matters, suspected fraudulent or unlawful activity, or circumstances beyond our control (natural disasters, system failures, fires). We will not be responsible orliable if this happens
