Introductory Annual Percentage Rate (“APR”) 0.00% for 6 months from the date of your first balance
transfer (Daily Periodic Rate 0.000000%). After the first 6 months, APR may be as low as 9.90% with
approved credit (Daily Periodic Rate 0.027123%), or as highs as 16.90% (Daily Periodic Rate 0.046301%).
Introductory rate only applies to balances transferred to a First State Bank & Trust credit card.
Offer expires 06/30/2015. Member FDIC.