FirstRewards customers maximize their spending using our card for all of their monthly expenses. Points add up quickly and never expire. When customers are ready to redeem, we want one of their choices to be you, their favorite neighborhood retailer.

FirstRewards means Local Rewards

Working with you as a local partner is a win-win. Our FirstRewards cardholders get the opportunity to choose local rewards at unique places in and around their hometown. By including you in our program, we can help drive more customers to your business! Your business is highlighted in FirstRewards which reaches cardholders throughout Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. This provides a new market avenue beyond your existing customer base, bringing new customers through your doors.

Is being a FirstRewards local partner right for your business? Here are some things you should consider:

• We can easily accommodate your $50, $100, and $250 gift cards or gift certificate programs you already have in place. Don’t have a program? We can help!
• There may be times when an experiential package or product offering works better for your type of business than gift cards. If that’s the case, just let us know. We can work with you on these unique opportunities.
• We will provide you a partner kit to help market the program in your business.
• We will pay you for the gift cards or inventory in advance.
• We may ask you to consider reduced prices on bulk orders.
• Once you tell us you are interested, we will refer you to our loyalty partner, BreakAway Loyalty. BreakAway works directly with you to determine the fulfillment process that will work. This may mean orders placed one at a time or bulk shipments.
• BreakAway won’t try to sell you anything, and they will not sell or share your information with anyone else.
• We will ask to place an image of your gift card on our website so customers know you are part of the program.
• We may approach you from time to time with ideas for additional joint marketing initiatives. You are in complete control of how and when you participate.
• If you ever decide the FirstRewards local partnership isn’t for you, simply let us know. Your decision will in no way impact your current and/or future banking relationship with us.

Interested? Talk to your banker today or contact the Credit Card Division at 1-888-833-3453.

Earn Points every time you make a purchase with your FirstRewards card. Use it for everything from your groceries and gas to gifts and travel; your points will add up fast.†

What can you get with your Points?

Local Rewards - Shop right in your own hometown by redeeming points for gift cards to local businesses you know and love.

Travel Rewards - fly when you want, where you want with no restrictions. With the FirstRewards program you can fly on the airlines that operate in your own communities. Points can also be redeemed for car rentals, hotel stays and cruises.

Gift Cards - Make your next shopping experience more enjoyable by redeeming points for gift cards to your favorite stores. Choose the gift card that lets you make purchases anywhere Mastercard is accepted by redeeming for a First Interstate Bank Mastercard gift card.

Merchandise - Choose merchandise rewards for every occasion. FirstRewards has a list of the top name-brand merchandise for you to choose from. Can’t find what you’re looking for? Choose a Mastercard gift card to purchase the item you really want.

Charity Donations - Help improve the world around you by redeeming points for a donation to your favorite charity.

†Visit rewards.firstinterstate.com for more details regarding the FirstRewards Program and to check out the latest FirstRewards promotions.

Get emergency assistance virtually anytime, anywhere and in any language. Mastercard Global Service helps you report a Lost or Stolen Card, obtain an Emergency Card Replacement or Cash Advance, find an ATM location, and answer questions regarding your account.

Security is a top priority at First Interstate Bank that’s why we utilize a Fraud Alert Management detection system which continuously monitors your First Interstate Bank Mastercard activity to help identify and prevent fraudulent transaction on your account.

All First Interstate Bank credit cardholders are able to receive fraud alerts via text message and phone. Your business will be automatically enrolled in this service, and alerts will be sent to the cell phone number specified on the account. Alerts are triggered by transactions that have been identified as potential fraud. Text messages will be sent from the number 328-74 24 hours a day, 7 days a week. Phone calls will be made between 8:00 am and 9:00 pm in your time zone.

Save money with automatic rebates on your business spending by using your First Interstate Bank Mastercard credit card at participating merchant locations. Go to www.easysavings.com or call 1-800-251-3448 for more details.

Mastercard Zero Liability provides 60 days to report fraud. Businesses are not responsible for unauthorized purchases on their Mastercard. Conditions and exceptions apply. See Guide to Benefits for details.**

Conveniently manage all of your cardholders’ accounts using our online management tool, www.ezbusinesscardmanagement.com, which is available for companies with five or more cards. For more information or to sign up, contact our credit card service center.

Receive pre-trip information such as visa/passport requirements, immunization information, and help with lost/stolen travel documents and luggage. With MasterAssist, you’ll have access to a referral network of physicians, attorneys, local embassies and consulates if you are traveling more than 100 miles from home.

The VAT Reclaim service from Mastercard provides companies doing business in Europe an easy and efficient way to reclaim their VAT. Mastercard helps determine which expenses are eligible and processes the necessary paperwork. If a refund is issued, a discounted processing fee is applied.

As a Mastercard cardholder, you now have the peace of mind and freedom to shop to your heart’s content without a moment’s worry. Eligible items purchased with your Mastercard card are covered with Extended Warranty which doubles the original manufacturer’s warranty for up to 12 months. Contact 1-800-MC-ASSIST for more information.**

Visit www.mycardbenefits.com to file a claim.

Protect your purchases. Purchase Assurance provides coverage for most items you purchase using your Mastercard card if the item is damaged or stolen within 90 days of the purchase. Call 1-800-MC-ASSIST for more information.**

To learn more about these Mastercard benefits call 1-800-MC-ASSIST or visit www.mastercard.us.

Visit www.mycardbenefits.com to file a claim.

Protect your business and save money. MasterRental® Coverage is a smart way to save when you rent a vehicle for 31 consecutive days or less. MasterRental® provides coverage for physical damage and theft of a rental vehicle for rental periods of 31 consecutive days or less when you initiate and pay for your entire rental agreement with your Mastercard card and decline the collision damage waiver coverage offered by the rental agency. To file a claim or for more information call 1-800-MC-ASSIST.**

Visit www.mycardbenefits.com to file a claim.

Travel more safely with Travel Accident Insurance. As an eligible cardholder, you and your dependents are covered automatically with travel accident insurance when the entire travel fare is charged to your eligible World Mastercard for Business account.

Checking bags for air travel can be a hassle. Your World Mastercard Business card can help make it easier. Baggage Delay Insurance reimburses you for replacing essential personal or business items in your baggage, if the baggage you have checked on to a common carrier is delayed in transit and your tickets were purchased using your First Interstate Bank World Mastercard.

Visit www.mastercard.us for more details and to learn about all the advantages available for World Mastercard Business cardholders.

Visit www.mycardbenefits.com to file a claim.

Chip, or EMV, technology makes an already secure card even safer. A chip card is a standard plastic debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a merchant’s chip-enabled terminal and has been proven to reduce counterfeit fraud.

Paying your bill is easy. Options include dropping off a payment at any local branch, using our online card management tools, setting up automatic monthly payments by mail or over the phone with Customer Service.

Stop by a local branch or call our Billings, MT- based customer service center to ask questions regarding your account. We work together to provide the quality service you deserve!

Identity Theft Resolution Services assist Mastercard cardholders who believe they are the victims of identity theft. Cardholders can access the 24/7 assistance center where certified resolution specialists will provide the following services:

• Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with completion of the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to the proper authorities, credit bureaus, and creditors.
• Notifying all three major credit reporting agencies to obtain a free credit report for the cardholder and placing an alert on the cardholder’s record with the agencies.
• Assisting the cardholder with credit and charge card replacement.
• Educating the cardholder on how Identity Theft can occur and of protective measures to avoid further occurrences.
• Providing the cardholder with the Identity Theft Resolution Kit which includes helpful information on how to prevent identity theft and measures to take in the instance of actual identity fraud.
• Providing the cardholder with sample letters for use in canceling checks, ATM cards, and other accounts.
• Obtain all pertinent credit information in ‘Real Time’ while the Covered Member is on the phone to determine if fraud or theft has occurred.