Fidelity Bank & Trust Dubuque, Dyersville, Luxemburg

Fidelity Bank is pleased to offer a complete line of card products, both consumer and commercial, to meet your needs .

ALL products on either application have:

An introductory rate of 0% for the 1st 4 months
No annual fee the first year and any year thereafter when a minimum of 4 purchases are made
Competitive interest rates after the 0% introductory rate:
» Business Card - prime + 4.95%
» Basic Card - prime + 5.95%
» Rewards (Visa Platinum) - prime + 6.95%
» Cash Back (MasterCard Gold) - prime + 7.95%

Late payment, overlimit, returned check fees - each $15.
Balance Transfers get the same interest rate as purchases but do not quality for Cash Back or Rewards.
Cash Advances have a higher interest rate than purchases (prime + 11.95%), no intro rate, and no grace period.

Visa Classic/MasterCard Standard

These are our basic, no frills cards. They offer a very competitive interest rate, no annual fee, and a 0% introductory rate for the first 4 months. After the intro rate, the rate will become a variable rate of prime + 5.95% which may be adjusted quarterly. Even these "no frills cards" come with the following benefits:

0% introductory rate for 4 months
No annual fee - 1st year and every year thereafter with minimum 4 purchases/ otherwise $20
25 day grace period
Zero liability on lost and stolen cards
Accepted at over 29 million locations worldwide
24 hour customer service at 877-954-0190
Balance Transfers - no fees to transfer; 0% rate if within first 4 months
Automatic payment availability
On-line account access
Auto Rental collision damage waiver
$150,000 travel accident insurance
A CARD FROM YOUR OWN BANK

The Products listed below include all the benefits listed above, as well as special benefits pertaining to their own product type.

Visa Platinum

Merchandise, Cash Back, Airline tickets, merchant certificates, etc.
Customers are eligible for the "Visa Extras" program. Earn points for each dollar spent on qualified transactions. Points start to expire in 3 years. Customers can view rewards at http://www.visa.com/extras CUSTOMERS MUST REGISTER THEIR CARD AT VISA EXTRAS IN ORDER FOR POINTS TO START ACCUMULATING.

$500,000 Travel Accident Insurance (instead of $150,000)
All benefits listed above under Visa Classic/MasterCard Standard.

MasterCard Gold

Cash back on all qualified purchases (not PIN transactions)
$3000 to $6000 earns .5%, over $6000 earns 1%
Funds accumulate January thru December. Credit card account will be credited in February of following year.
Amounts of $15 or less will not be paid out.
Purchase Assurance
Auto Rental Collision Damage Waiver
$500,000 Travel Accident Insurance (instead of $150,000)
All benefits listed above under Visa Classic/MasterCard Standard.

Visa Business Card

Includes Visa Extras - Same as for Platinum, described above.
Company and employee name on the card
$150,000 travel accident insurance
Liability Waiver Program (up to $100,000 per employee if company has more than 5 cards, $5,000 for 2 - 5)
Purchase Security/ Extended Warranty
Auto Rental Collision Damage Waiver
All benefits listed above under Visa Classic/MasterCard Standard

Member FDIC