b'F03-L252-8 -0118\n\nSTATE FARM BANK\xc2\xae\nCREDIT CARD AGREEMENT AND\nDISCLOSURE STATEMENT\nThis document and the table of Account-Opening\nDisclosures and other information printed on the card\ncarrier that accompanies this document make up your\ncredit card agreement with State Farm Bank. They are\nreferred to together throughout this document as the\nAgreement. They contain important terms and disclosures\nregarding your credit card account. Please read them\ncarefully and keep them for future reference. You will be\nbound by the terms of the Agreement unless you cancel\nyour account within 30 days after you receive your credit\ncard and before you or someone you have authorized uses\nyour credit card or credit card account.\nThe Parties to this Agreement\nIn this Credit Card Agreement and Account Disclosures (this \xe2\x80\x9cAgreement\xe2\x80\x9d),\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who requests that we\nestablish a credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) and issue a Visa\xc2\xae credit\ncard (a \xe2\x80\x9cCard\xe2\x80\x9d) to that person or for use by another person. If two or more\npersons request that we issue credit cards on the same card Account,\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and either of those persons,\nindividually, and also all of those persons, jointly and severally. The words\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cState Farm Bank\xe2\x80\x9d mean State Farm Bank, F.S.B.,\na federal savings bank located in Bloomington, Illinois. Definitions of\nadditional terms are contained in other paragraphs of this Agreement.\nYour Acceptance of the Terms of this Agreement\nIf you apply for a Card from us, or use a Card we issue to you, or use\nthe account number associated with the Card, or if another person uses\nthe Card or account number with your authorization, you will be deemed\nto have accepted and agreed to all of the terms and conditions of this\nAgreement.\nIf you do not wish to be bound by the terms and conditions of this\nAgreement, do not use the Card or authorize another person to use it.\nInstead, cut all of the Cards in two and return them to us within 30 days\nafter you receive them.\nHow to Use Your Card\nSubject to the terms of this Agreement, we will make loans to you at our\noffices in Bloomington, Illinois when you use your Card (which term as\nused in this Agreement includes use of the account number associated\nwith your Card) as follows:\n(a) Purchases. You may use your Card to purchase or lease goods\nor services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from merchants who honor Visa credit\ncards. Quasi-cash transactions, described below, are deemed to be\nCash Advances and not Purchases.\n(b) Cash Advances.\n(1) You may use your Card to obtain a Cash Advance at most banks\nthat display the Visa logo.\n(2) You may use your Card, in conjunction with the personal\nidentification number (\xe2\x80\x9cPIN\xe2\x80\x9d) we will issue to you, to obtain a\nCash Advance at automated teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) that bear\nthe Plus\xc2\xae logo. The operator of the ATM may add a surcharge\nto the amount of the Cash Advance you request. If so, the\nsurcharge will be part of the Cash Advance charged to your\nAccount.\n(3) You may use your Card to establish overdraft protection on a\nchecking account if permitted by your financial institution. You\nobtain a Cash Advance each time your Card is used to fund\nsuch an overdraft.\n(4) We may send you blank forms of convenience checks or cash\nadvance checks (\xe2\x80\x9cConvenience Checks\xe2\x80\x9d or \xe2\x80\x9cChecks\xe2\x80\x9d) from\ntime to time. If we do, you may use a Check to obtain a Cash\nAdvance by signing and completing the Check in accordance\nwith the terms on the Check and any written materials that\naccompany it. You obtain a Cash Advance each time you use a\nCheck and we pay it when it is presented to us, including when\nyou use a Check to purchase or lease goods or services.\n(5) You may obtain a Cash Advance when you use your Card\nfor items that are convertible to cash or similar cash-like\ntransactions that we may designate from time to time, including\nwire transfer money orders, other money orders, travelers\nchecks, or foreign currency or tax payments (so-called \xe2\x80\x9cquasicash\xe2\x80\x9d transactions). However, your Card may not be used to\nobtain, and we will not honor requests for, a Cash Advance in\nthe form of casino chips, bets or wagers, gaming transactions\n(including Internet gambling), lottery tickets or the like.\n(6) Certain establishments may cash your personal checks upon\npresentment of your Card. In the event we are required to pay the\namount of a check cashed in this manner because your check is\nnot paid for any reason, we may charge your Account for a Cash\nAdvance in the amount of the check and any processing charge\nwe incur.\n(c) Balance Transfers. You may use your Account to transfer balances\nfrom other accounts to your Account with us (a \xe2\x80\x9cBalance Transfer\xe2\x80\x9d).\nYou may request a balance transfer by completing the balance\ntransfer portion of the credit application, by completing and returning\nto us one of the balance transfer requests forms we may send you\nfrom time to time, by writing a Balance Transfer check we may\nsend you or by writing or telephoning us. When you request a\nbalance transfer, we will write our check or transfer funds to your\nother creditor. The amount of our check or funds transfer will be\nthe amount of your Balance Transfer. Balance Transfers are treated\nas Purchases rather than Cash Advances for most purposes under\nthis Agreement. However, interest charges may begin to accrue as\nof the date a balance transfer is posted to your Account. Balance\nTransfer transactions will not be processed if made payable to cash,\nto you, to any individual, to a deposit account, or to a State Farm\nBank credit card account. If such a Balance Transfer is processed,\nState Farm Bank reserves the right to convert the transaction to a\nCash Advance.\nCredit Limit\nWe will establish a credit limit for your Account from time to time. Your\ninitial credit limit is shown on the card carrier. Your current credit limit will\nbe shown on each monthly statement of your Account. The total amount\nof credit outstanding on your Account at any time must not be more\nthan your then current credit limit. We may also establish at any time a\nseparate credit limit (as a sub-limit within the overall credit limit for your\nAccount) for Cash Advances. If we do, your outstanding Cash Advances\nbalance of your Account must not exceed the Cash Advances credit limit\nat any time. We may set similar separate sub-limits for other portions of\nyour Account balance. We may change your credit limit or sub-limits from\ntime to time. We will attempt to notify you if we do, but the change may\nbe effective before you receive notice.\nExceeding Your Credit Limit\nIf you request credit in any form which, if granted, would cause either\nyour total outstanding balance or your Cash Advances balance or other\napplicable sub-limit (including, in either case, transactions authorized but\nnot yet posted to your Account) to exceed your credit limit, your Cash\nAdvances credit limit, or any other credit sub-limit we establish for your\nAccount, whether or not those balances were more than the respective\ncredit limits before the request, we may, refuse to honor the request or in\nour sole discretion, we may honor the request and extend the credit. If we\nextend the credit, you will not be charged an over-the-credit limit fee, and\nyou agree to repay the credit and the interest and other charges on it as\npart of the balance of your Account in accordance with the terms of this\nAgreement. We may extend credit that exceeds any credit limit applicable\nto your Account on one or more occasions without waiving our rights. If\nwe previously honored requests for credit in excess of your credit limit,\nthat does not mean we will or must honor further over-limit requests. If\nwe refuse to honor a Check or Balance Transfer request, we may advise\nthe person presenting the Check or Balance Transfer that credit has been\nrefused or that there are insufficient funds to pay the Check or Balance\nTransfer.\nInterest Charges\nWhen Interest Begins to Accrue:\n(a) Interest on Purchases. Except as provided in paragraph (b) below,\ninterest on each Purchase (including a Balance Transfer) will accrue\ndaily from and including the transaction date until the date each\nPurchase is completely repaid according to the payment allocation\nmethod then in effect. If the transaction date was in an earlier billing\ncycle than the posting date, interest will accrue from and including\nthe first day of the billing cycle in which the transaction was posted.\n(b) How to Avoid Paying Interest on Purchases. You can avoid paying\ninterest on Purchase (other than Balance Transfers) posted to\nyour Account if you pay the entire New Balance of your Account\neach month not later than the Payment Due Date shown on your\nAccount statement. If any portion of the balance of your Account\nis subject to an introductory or promotional rate, to avoid paying\ninterest on Purchases (other than Balance Transfers) posted to your\nAccount during the billing cycle you must pay the entire New Balance\n(including any part of the balance that is subject to the introductory\nor promotional rate) shown on the statement of your Account for\nthat billing cycle by the Payment Due Date shown on the statement.\nIf you fail to pay the entire New Balance of your Account before the\nPayment Due Date in any month, you can again avoid paying interest\non Purchase (other than Balance Transfers) in the manner described\nabove after you have paid the entire New Balance of your Account by\nthe Payment Due Date for two consecutive months.\n(c) Interest on Cash Advances. Interest on each Cash Advance will\naccrue daily from and including the transaction date until the date\neach Cash Advance is completely repaid according to the payment\nallocation method then in effect. The transaction date for Cash\nAdvances obtained by a Check is the date we process the Check.\n(d) Interest that Accrues Prior to Payment in Full. Interest accrues on\nthe unpaid balance of your Account as described above until the date\nthe balance is paid in full, except to the extent paragraph (b) above\napplies to Purchases posted to your Account. If you pay the entire\nNew Balance shown on the monthly statement of your Account by\nthe Payment Due Date, you will receive a statement the following\nmonth for interest that accrued from the closing date of the previous\nbilling cycle until the date your payment in full was posted to you\nAccount, even if no new transactions are posted to your Account\nafter the closing date of the previous billing cycle. To minimize the\namount of this interest, pay the New Balance in full immediately upon\nreceipt of your monthly statement.\nPeriodic Rates and Annual Percentage Rates of the Interest Charge:\nThe periodic rates we use to compute interest on your Account and the\ncorresponding annual percentage rates are described below:\n(a) Rate of Interest Charge on Purchases. The daily periodic rate we\nuse to compute the interest on all Purchases balances (including\n\nBalance Transfers) is a variable rate which is the sum of the Prime\nRate plus a margin expressed as a percentage, divided by 365,\nexcept as otherwise provided below for certain introductory rates\nand certain promotional rates.\n(1) Introductory Rate. The daily periodic rate we use to compute\ninterest on all Purchases or Balance Transfer offers is the\nintroductory rate shown on the card carrier. The corresponding\nannual percentage rate is shown on the Account-Opening\nDisclosures on the card carrier. If you abide by the terms of this\nAgreement, the introductory rate will apply for the period of time\nshown on the card carrier and at the end of the introductory\nrate period the Preferred Pricing rate for Purchases will apply\nto the remaining introductory Purchase or Balance Transfer\nbalances on your Account. If there is no space for disclosure\nof an introductory rate on the card carrier or if a space for an\nintroductory rate is shown on the card carrier and is completed\nwith \xe2\x80\x9cN/A\xe2\x80\x9d or is blank, an introductory rate does not apply on\nyour Account.\n(2) Preferred Pricing. The Preferred Pricing daily periodic rate\nwe use to compute interest on Purchases (including Balance\nTransfers other than Balance Transfers that are subject to any\napplicable introductory rate) is a variable rate equal to the sum\nof the Prime Rate plus the margin shown on the card carrier\ndivided by 365. The current Preferred Pricing daily periodic rate\nof interest on Purchases (including Balance Transfers) is shown\non your card carrier and the corresponding annual percentage\nrate of interest is shown in the Account-Opening Disclosures on\nthe card carrier.\n(3) Promotional Rates. From time to time we may offer you certain\npromotional interest rates for certain types of transactions\nor certain parts of your Account balance. If you qualify for\nand accept the offer, the daily periodic interest rate of the\npromotional rate and the corresponding annual percentage\nrate will apply to the balance or portion of the balance of your\nAccount in accordance with the terms of the promotional rate\noffer. At the end of the promotional rate period, Preferred Pricing\nfor Purchases will apply to your Account.\n(b) Rates of Interest on Cash Advances. The daily periodic rate we\nuse to compute the interest on all Cash Advances is a variable rate\nwhich is the sum of the Prime Rate plus a margin expressed as a\npercentage, divided by 365.\n(1) Preferred Pricing. The daily periodic rate we use to compute\nthe interest on Cash Advances balances is a variable rate equal\nto the sum of the Prime Rate plus the margin shown on the\ncard carrier divided by 365. The current Preferred Pricing daily\nperiodic rate of interest on Cash Advances is shown on the\ncard carrier, and the corresponding annual percentage rate of\ninterest is shown in the Account-Opening Disclosures on the\ncard carrier.\n(c) Variable Rates of the Interest: The Interest rates under subparagraphs\n(a) and (b) above, other than any applicable introductory rate on\nbalance transfers or Purchases are variable rates based on the Prime\nRate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table in The Wall Street Journal.\nThe interest rates and the corresponding annual percentage rates\nof interest charged under this Agreement may increase if the Prime\nRate increases. The effect of an increase in the Prime Rate will be\nan increase in the amount of the Minimum Payment due under this\nAgreement. We will calculate the interest rates applicable to your\nAccount every month based on the Prime Rate published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d table in The Wall Street Journal two days prior to\nyour statement closing date for the billing cycle. If two or more Prime\nRates are published on that day, the highest of those rates will be\nused to calculate the rates of the interest under this Agreement. If\ntwo days prior to your statement closing date is a day on which\nThe Wall Street Journal was not published, the previous business\nday on which The Wall Street Journal was published will be used. If\nThe Wall Street Journal ceases publication, or no longer publishes\nthe prime rate, or changes the manner by which its prime rate is\ndetermined, we may select another comparable index of short-term\ninterest rates to be the \xe2\x80\x9cPrime Rate\xe2\x80\x9d under this Agreement. The new\nannual percentage rates, and the new daily periodic interest rates\ncalculated by dividing the new annual percentage rates by 365, will\napply to your Account beginning as of the first day of the billing\ncycle of your Account during which the new annual percentage\nrates and the corresponding daily periodic rates were calculated,\nand will continue to apply until new annual percentage rates and the\ncorresponding daily periodic rates are calculated and have become\neffective in the manner described in this paragraph. The new annual\npercentage rates and the corresponding new daily periodic interest\nrates will apply retroactively to the first day of the billing cycle, and\ntransactions that occurred during the billing cycle both prior to and\nafter the date the new annual percentage rates were calculated will\nbe subject to the new annual percentage rates and the corresponding\nnew daily periodic interest rates for the entire billing cycle.\nCalculating the Balances to which the Periodic Interest Rates\nAre Applied: We calculate an \xe2\x80\x9caverage daily balance\xe2\x80\x9d separately for\nPurchases (including Balance Transfer, but excluding any introductory\nperiod Balance Transfers), Cash Advances, any introductory period\nBalance Transfers then in effect, and any special rate offers then in effect.\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account we take the beginning\nbalance of your Account each day for each of these types of transactions,\nadd any new Purchases (including Balance Transfers, but excluding\nany introductory period Balance Transfers and introductory period\nPurchases), Cash Advances, introductory period Balance Transfers and\nother special rate offers (as applicable), and subtract any payments\nand other credits applied to that type of transaction under the payment\nallocation method then in effect. This gives us the daily balance for each\nof these types of transactions. (Credit balances are treated as zero for\npurposes of calculating the daily balances.) Then, we add all of the daily\nbalances for the billing cycle for each of these types of transactions and\ndivide the respective totals by the number of days in the billing cycle. This\ngives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for your Account for each of these\ntypes of transactions.\nCalculating Interest and Other Finance Charges; Minimum Interest\nCharge: We figure the interest on Purchases (including Balance Transfers)\nand Cash Advances charged to your Account by multiplying each of the\n\xe2\x80\x9caverage daily balances\xe2\x80\x9d of your Account by the applicable daily periodic\nrate of interest and then by the number of days in the billing cycle, and\nby adding the resulting products together. We then add any transaction\nfee finance charges, each calculated as provided below. If the amount of\nfinance charge calculated as described above is more than zero but less\nthan $1.50, a minimum monthly finance charge of $1.50 will be charged\nto your Account. We may, at our election, waive the finance charge on\nsmall Account balances.\nFinance Charges\n(a) Cash Advance Fee: If you use your Card or a Check (Convenience\nCheck) to obtain a Cash Advance, we will charge your Account a\nCash Advance fee equal to 4% of the U.S. dollar amount of the Cash\nAdvance, subject to a minimum fee of $10 for each Cash Advance.\n(b) Balance Transfer Fee: If you make a Balance Transfer to your\nAccount, we will charge your Account a Balance Transfer fee equal\nto 3% of the U.S. dollar amount of the Balance Transfer transaction,\nsubject to a minimum fee of $10 and a maximum fee of $250 for\neach Balance Transfer.\n(c) International Transaction Fee: If you use your Card to make\nan international transaction, we will charge your Account an\nInternational Transaction fee equal to 3% of the U.S. dollar amount\nof the transaction. An international transaction is defined as any\ntransaction that was acquired in any country other than the United\nStates.\nPenalty Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a Late Payment Fee if we do not receive payment in an amount at\nleast equal to the Minimum Payment due shown on the monthly\nstatement of your Account by the Payment Due Date shown on the\nstatement. The amount of the Late Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(b) a Returned Payment Fee if a check or draft you send us as a payment\non your Account is returned for insufficient funds or for any other\nreason. The amount of the Returned Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(c) a Returned Check Fee if we return a Check unpaid for any reason.\nThe amount of the Returned Check Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\nHowever, the amount of the Late Payment Fee, Returned Payment Fee,\nand Returned Check Fee will be $38 if you also incurred the same fee\non your Account within the immediately preceding six billing cycles of\nyour Account.\nOther Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a Statement Reprint Fee of $5 for each copy of a monthly statement;\n(b) a $15 per hour (with a $10 minimum) Account Research Fee for\naccount research incurred in servicing your account at your request;\nand\n(c) Unless prohibited by applicable law, the amount of any costs we\nincur in complying with state abandoned or unclaimed property laws\nwith regard to your Account.\nRepayment; Minimum Payment Due Each Month\nYou promise to pay us the amounts of all credit you obtain through the\nuse of your Card (including all Purchases, Balance Transfers and Cash\nAdvances), all transaction fees and other charges we assess against your\nAccount and all interest and other finance charges as provided in this\nAgreement. You agree to make your payments in the amounts and at the\ntimes provided in this Agreement. Time is of the essence.\nWe will provide a statement of your Account at approximately monthly\nintervals if there has been activity on your Account, a finance charge is\nassessed during the preceding month, or there is a balance (credit or\ndebit) in your Account exceeding $1, unless we deem your Account to\nbe uncollectible, or we have instituted delinquency collection procedures,\nor we have charged off the Account, or furnishing the statement would\nviolate federal law. You may pay any amount up to the entire unpaid\nbalance (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) of your Account at any time. You agree\n\n\x0cto pay each month at least the amount of the Minimum Payment Due\nshown on your monthly statement by the Payment Due date shown on\nthe statement. The monthly Minimum Payment Due is 1% of the New\nBalance (less interest charges and Late Fees and rounded to the nearest\n$5.00) + Interest Charges + Late Fees + any Past Due Amounts or\n$25, whichever is the greater (or your entire New Balance if less than\n$25). The Payment Due Date will be at least 24 days after the Closing\nDate. If you overpay, or if a credit balance is otherwise created in your\nAccount, we will not pay interest on that amount. Your payments are\nnot deemed to be received until they are posted to your Account. See\nthe monthly statement of your Account for details on timely posting of\npayments. Mail your payment, accompanied by the payment remittance\nstub, using the envelope enclosed with your monthly statement or to\nthe payment address provided on the monthly statement. Or make your\npayment online by going to statefarm.com. The crediting of payments\nsent to any location other than the payment address or received in any\nother manner may be delayed. Do not send correspondence of any\ntype to the payment address. When you provide a check as payment,\nyou authorize us either to use information from your check to make a\none-time electronic fund transfer from your Account or to process the\npayment as a check transaction. When we use information from your\ncheck to make an electronic fund transfer, the funds may be withdrawn\nfrom your account on which the check is drawn as soon as the same day\nwe receive your payment and you will not receive your check back from\nyour financial institution. For inquiries about your account, please call us\ntoll-free at 1-877-SF4-VISA (1-877-734-8472) or write us at PO Box 87,\nDeposit, New York 13754-0087.\nYour payments will be allocated among the charges on your Account\nin any manner we determine that is consistent with the requirements\nof applicable law, without regard to any contrary instructions from\nyou If different annual percentage rates apply to different balances of\nyour Account, we will allocate any amount you pay in excess of the\nrequired Minimum Payment Due first to the balance with the highest\nannual percentage rate and any remaining portion to the other balances\nin descending order based on the applicable annual percentage rate\nin a manner that complies with applicable regulations and regulatory\nguidance. Even though your payment may be credited to your Account\nin the billing cycle in which the payment is received, your available credit\nmay not be increased by the amount of the payment until your payment\nhas cleared.\nIf you pay more than the Minimum Payment you will not thereby prepay or\npostpone the due date of payments in the following months and you will\ncontinue to be obligated to make the Minimum Payment amount (if any)\nshown on your monthly statements in succeeding months.\nPayments must be made in U.S. dollars, and we may refuse to accept\nchecks not denominated in U.S. dollars. You agree not to use a State Farm\nBank Balance Transfer, Convenience Check, or the proceeds of a Cash\nAdvance to make any payment on your Account.\nOur Right to Require Immediate Payment\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, you will be in default and, at our election, we\ncan require you; to pay immediately all amounts you owe us under this\nAgreement without notice or demand if (1) you fail to pay any amount\nyou owe under this Agreement exactly when due; or (2) your Account\nbalance exceeds your credit limit, or if we have established a separate\nCash Advances credit limit or other credit sub-limit for your Account,\nyour Cash Advances balance exceeds your Cash Advances credit limit or\nyou exceed any other credit sub-limit of your Account; or (3) you fail to\nabide by any other term of this Agreement; or (4) your ability to pay us is\nmaterially impaired (including, without limitation, if you file or have filed\nagainst you as debtor a proceeding under any chapter of the Bankruptcy\nCode); or (5) you die or become incapacitated; or (6) you are in default\non any other credit account or loan you have with us.\nCollection Costs\nIf you are in default, unless prohibited by applicable law, you agree to pay\nus or reimburse us for all costs and disbursements, including reasonable\nattorney\xe2\x80\x99s fees, we pay or incur in legal proceedings (including\nbankruptcy proceedings) to collect or enforce the debt you owe under\nthis Agreement.\nTransactions Made in Foreign Currencies\nIf a transaction is made in a foreign currency, we and Visa International\nwill convert the transaction into a U.S. dollar amount. Visa will act in\naccordance with their operating regulations or conversion procedures in\neffect at the time the transaction is processed and may use (i) a rate\nselected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (ii) the government-mandated rate in\neffect for the applicable central processing date, in each instance plus or\nminus any adjustment determined by Visa or us. The currency conversion\nrate calculated in this matter that is in effect on the processing date may\ndiffer from the rate in effect on the transaction date or the posting date.\nWhen any transaction must be converted back into a foreign currency\nbecause of a refund or other reversed transaction, the same currency\nconversion formula will apply.\nBilling Cycles of Your Account\nEach billing cycle of your Account begins on the day after the closing date\nshown on the preceding monthly statement of your Account and ends on\nthe closing date shown on the monthly statement of your Account for the\ncurrent month. A billing cycle occurs even if you do not receive a monthly\nstatement of your Account as otherwise provided in this Agreement.\nAuthorized Use of Your Card by Others\nIf you permit any person to have access to your card or Account number\nwith the authorization to make a charge, or if you request us to issue a\nCard on your Account to another person, you will be liable for all charges\nmade by that person, including charges you may not have intended that\nperson to make.\nSpecial Provisions Regarding Checks\nYou may stop payment on an unpaid Check by providing us with the\ncheck number, dollar amount, and payee exactly as they appear on the\nCheck. A stop payment request expires six months after the date we\naccept your stop payment order unless you renew it in writing within two\nweeks prior to the expiration date.\nIf you post-date a Check, we may honor the Check immediately upon\npresentment or return it unpaid, at our election, without in either case\nwaiting until the date shown on the Check. We are not liable to you for any\nloss or expense incurred by you arising out of the action we elect to take.\nYou may not use a Check or any other Cash Advance to make a payment\nunder this Agreement or any other credit account you may have with us.\nCertain Limitations on Use of Your Card\nYour Account is a consumer credit account. You must not use your Card\nprimarily for business or commercial purposes.\nYou must not use your Card for any unlawful purpose or in any illegal\ntransaction.\nRefusal to Honor Your Card; Refused Authorizations\nWe will not be liable if any other bank, any ATM, or any seller or lessor\nof goods or services refuses to honor your Card or retains your Card\nwhen you attempt to use it. Even though you have available credit on your\nAccount, we may fail or decline to authorize a particular transaction due\nto operational difficulties or, at our discretion, for other reasons we deem\nto be appropriate.\nGaming and Wagering Transactions\nThe State Farm Bank credit card is not to be used for any gaming or\nwagering transactions, including transactions for casino chips, bets,\nwagers, Internet gambling or any other gaming or wagering transaction.\nState Farm Bank will decline transactions for casino chips, bets, wagers,\nInternet gambling or any other gaming or wagering transaction.\nSuspension or Termination of Your Account\nWe may suspend or terminate your right to obtain additional credit at any\ntime, subject only to any limitations under federal law or to the extent\nfederal law does not preempt state laws, under the laws of the State of\nIllinois. All Cards we issue to you or at your request remain our property,\nand you agree to return all such Cards to us at our request. You may\nterminate your right to obtain additional credit at any time by cutting all\nunexpired Cards outstanding on your Account in two and returning them\nto us. Your obligations under this Agreement continue unchanged after\nyour right to obtain credit has been suspended or terminated by you or\nby us.\nObligation of Multiple Cardholders\nAll joint accountholders are individually and jointly responsible for paying\nthe entire outstanding balance on the Account. If two or more persons are\nresponsible for paying any outstanding balance, we may refuse to release\nany of them from liability until all of the unexpired Cards outstanding\non the Account have been returned to us and the Account balance is\npaid in full. The obligations of the other obligated persons will not be\naffected by the release or discharge of one or more of the persons who\nare responsible for paying all or any part of the Account.\nAmendments; Replacement Cards\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, we may amend this Agreement at any time to\nchange, add, or delete provisions upon such notice to you and subject to\nsuch limitations as are required and imposed under applicable provisions\nof federal law or to the extent federal law is not controlling, the laws of\nthe State of Illinois. If a longer minimum notice period is not specified\nby applicable federal or Illinois law for the amendments we propose to\nmake, we may amend this Agreement upon not less than 15 days notice\nto you. Unless otherwise provided by law, any notice of changed terms\nmay be included on or with the monthly statement of your Account and,\nthe notice period will begin to run when we mail or deliver the notice to\nyou. If a notice of an amendment gives you the opportunity to reject the\namendment, and if you reject the amendment in the manner provided\nin the notice, we may terminate your right to receive additional credit\nand may require you to return all credit devices as a condition of your\nrejection of the amendment. If the amendment so provides, and subject\nto the requirements of applicable law, the amended Agreement (including\nany increased rate or amount of interest or other finance charge and other\nincreased charges and fees) will apply to both existing and new balances\nof your Account, including, subject to the provisions of the notice of\nchange in terms, all Purchases, Cash Advances and Balance Transfers\nafter the effective date of the amendment. Any letter, payment instrument\nor other communication you direct to us with the intent to amend this\nAgreement must be sent to us in writing at: State Farm Bank, PO Box\n2326, Bloomington, Illinois 61702-2326. If any such payment instrument\nis received at any other address, we may accept the payment instrument,\nwhich will not constitute consideration, and no amendment to the\nAgreement shall have been effected. This Agreement may be amended\nonly by a writing originated by us and sent to you or a written amendment\nsigned by one of our authorized representatives.\nWe may replace your Card with another credit card at any time.\n\nCommunications Concerning Disputed Debts\nAny payment instrument you send us for less than the full balance due\nthat is marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or similar notation, or that you otherwise\ntender in full satisfaction of a disputed amount, must be sent to State\nFarm Bank, PO Box 2326, Bloomington, Illinois 61702-2326. We reserve\nall our rights regarding such instruments. For example, if it is determined\nthere is no valid dispute or if any such instrument is received at any\nother address, we may accept the instrument and you will still owe any\nremaining balance. Or, we may refuse to accept any such instrument\nby returning it to you, not cashing it, or destroying it. Satisfaction of\nyour debt for less than the full amount due requires a written agreement,\nsigned by one of our authorized representatives.\nChange of Name or Mailing Address\nYou must notify us immediately of any change of your name or mailing\naddress from that shown on your latest monthly statement. The back of\nyour monthly statement contains a form you may use for this purpose.\nAssignment\nWe may at any time, and without notice to you, assign your Account, any\nsums due on your Account, this Agreement, and our rights or obligations\nunder your Account and this Agreement to any person or entity. The\nperson or entity to whom we make any such assignment shall be entitled\nto all of our rights under this Agreement, to the extent assigned. You may\nnot assign your rights under this Agreement.\nUnauthorized Use of Your Account\nIf you notice the loss or theft of your credit card or a possible unauthorized\nuse of your card, you should write to us immediately at: State Farm Bank,\nP.O. Box 94, Deposit, New York 13754-0094, or call us at 877-734-8472.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before\nyour notice to us. In any case, your liability will not exceed $50.\nPlease sign your Card immediately after you receive it. Please safeguard\nyour Card like you would if it were cash. Do not disclose your PIN to\nanyone else.\nMonitoring Telephone Conversations\nYou consent to and authorize us, any of our affiliates, and our marketing\nassociates to monitor and/or record (unless prohibited by law) any of your\ntelephone conversations with our representatives or the representatives\nof any of such companies.\nInformation Gathering and Sharing\nPlease refer to the State Farm\xc2\xae \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d for our\npolicies on collecting, using, securing, and sharing nonpublic personal\ninformation. Additional copies of our \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d are\navailable by calling us toll-free at 1-877-SF4-BANK (1-877-734-2265),\non our website (statefarm.com\xc2\xae), or from your local State Farm agent.\nCREDIT REPORTING: State Farm Bank may report information about your\naccount to credit bureaus, including negative information. Late payments,\nmissed payments, or other defaults on your account may be reflected in\nyour credit report. You authorize State Farm Bank to obtain consumer\nreports about you until the balance is paid in full and the account is\nclosed.\nDISPUTING ACCOUNT INFORMATION REPORTED TO CREDIT\nBUREAUS: We furnish information about your account to credit bureaus.\nYou have the right to dispute the accuracy of the information reported by\nwriting to us at: State Farm Bank, F.S.B., ATTN: Credit Reporting, P.O. Box\n2313, Bloomington, IL 61702-2313.\nGoverning Law\nThis Agreement, including, without limitation, the interest to be charged,\nis governed by Federal law and to the extent Federal law is not controlling,\nby the laws of the State of Illinois without regard to its conflict of laws\nprinciples.\nSeverability; No Waivers\nIf any part of this Agreement is found to be invalid, the rest remains\neffective. Any failure or delay by us in exercising any of our rights or\nremedies under this Agreement or under applicable law does not mean\nthat we will not be permitted to exercise those rights or remedies later. We\nmay accept late payments or partial payments without losing any of our\nrights or remedies. You have not waived under this Agreement any of your\nrights or our duties under the Illinois Financial Services Development Act.\nTransactions with Merchants\nReturn Policy. If a merchant discloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d,\n\xe2\x80\x9cno refund\xe2\x80\x9d, \xe2\x80\x9cno return or credit without receipt\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, \xe2\x80\x9cstore credit\nonly\xe2\x80\x9d, or \xe2\x80\x9call sales final\xe2\x80\x9d, you will be bound by that policy when you\nuse your Card or Account to buy goods or services from that merchant.\nReservations. When using your Account to make travel or lodging\nreservations, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if\nyou cancel. If you cancel, obtain the merchant\xe2\x80\x99s cancellation number that\nit is required to give you. The merchant may charge you for a cancelled\ntransaction unless you can provide us with the merchant\xe2\x80\x99s cancellation\nnumber. Recurring Transactions. If you authorize a merchant to charge\nyour Account for repeat transactions with your Card, you must notify\nthe merchant when you want to discontinue the repeat transactions or\nif your Account is closed or a new Account number is issued by us.\nDispute Assistance. If you disagree with a transaction on your statement\nor have a dispute with the merchant as a result of the transaction, you\nwill provide information or assistance we reasonably request to permit\nus to investigate the transaction. Otherwise, you will pay us for any\nresulting loss we have (up to the amount of the transaction) unless we are\nprohibited by applicable law from holding you liable for our loss. \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d controls. If any provision of this paragraph conflicts with\nany part of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below that is applicable to\nthe particular transaction, the terms of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section\nwill control.\n\nYOUR BILLING RIGHTS\nKeep this document for future use.\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your statement, write to us at: State Farm\nBank, PO Box 1420, Deposit, New York 13754-1420.\nIn your letter, give us the following information:\n(1) Account information: Your name and Account number.\n(2) Dollar Amount: The dollar amount of the suspected error.\n(3) Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but\nif you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n(2) Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date that it is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n(1) The purchase must have been made in your home state or, within 100\nmiles of your current mailing address; and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at: State Farm Bank, PO Box 1420,\nDeposit, New York 13754-1420.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nNotice for Married Wisconsin Residents. No provision of any marital\nproperty agreement, unilateral statement, or court order applying to\nmarital property will adversely affect State Farm Bank interests unless\nprior to the time credit is granted, State Farm Bank is furnished with a\ncopy of the agreement, statement or court order, or State Farm Bank has\nactual notice of the provision. Married Wisconsin residents must furnish\nthe name and address of their spouse to State Farm Bank at PO Box 87,\nDeposit, New York 13754-0087.\nF03-L252-8 -0118\n\n\x0c'


b'F03-W740-3\n\nSTATE FARM BANK\xc2\xae\nCREDIT CARD AGREEMENT AND\nDISCLOSURE STATEMENT\nThis document and the table of Account-Opening\nDisclosures and other information printed on the card\ncarrier that accompanies this document make up your\ncredit card agreement with State Farm Bank. They are\nreferred to together throughout this document as the\nAgreement. They contain important terms and disclosures\nregarding your credit card account. Please read them\ncarefully and keep them for future reference. You will be\nbound by the terms of the Agreement unless you cancel\nyour account within 30 days after you receive your credit\ncard and before you or someone you have authorized uses\nyour credit card or credit card account.\nThe Parties to this Agreement\nIn this Credit Card Agreement and Account Disclosures (this \xe2\x80\x9cAgreement\xe2\x80\x9d),\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who requests that we\nestablish a credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) and issue a Visa\xc2\xae credit\ncard (a \xe2\x80\x9cCard\xe2\x80\x9d) to that person or for use by another person. If two or more\npersons request that we issue credit cards on the same card Account,\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and either of those persons,\nindividually, and also all of those persons, jointly and severally. The words\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cState Farm Bank\xe2\x80\x9d mean State Farm Bank, F.S.B.,\na federal savings bank located in Bloomington, Illinois. Definitions of\nadditional terms are contained in other paragraphs of this Agreement.\nYour Acceptance of the Terms of this Agreement\nIf you apply for a Card from us, or use a Card we issue to you, or use\nthe account number associated with the Card, or if another person uses\nthe Card or account number with your authorization, you will be deemed\nto have accepted and agreed to all of the terms and conditions of this\nAgreement.\nIf you do not wish to be bound by the terms and conditions of this\nAgreement, do not use the Card or authorize another person to use it.\nInstead, cut all of the Cards in two and return them to us within 30 days\nafter you receive them.\nHow to Use Your Card\nSubject to the terms of this Agreement, we will make loans to you at our\noffices in Bloomington, Illinois when you use your Card (which term as\nused in this Agreement includes use of the account number associated\nwith your Card) as follows:\n(a) Purchases. You may use your Card to purchase or lease goods\nor services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from merchants who honor Visa credit\ncards. Quasi-cash transactions, described below, are deemed to be\nCash Advances and not Purchases.\n(b) Cash Advances.\n(1) You may use your Card to obtain a Cash Advance at most banks\nthat display the Visa logo.\n(2) You may use your Card, in conjunction with the personal\nidentification number (\xe2\x80\x9cPIN\xe2\x80\x9d) we will issue to you, to obtain a\nCash Advance at automated teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) that bear\nthe Plus\xc2\xae logo. The operator of the ATM may add a surcharge\nto the amount of the Cash Advance you request. If so, the\nsurcharge will be part of the Cash Advance charged to your\nAccount.\n(3) You may use your Card to establish overdraft protection on a\nchecking account if permitted by your financial institution. You\nobtain a Cash Advance each time your Card is used to fund\nsuch an overdraft.\n(4) We may send you blank forms of convenience checks or cash\nadvance checks (\xe2\x80\x9cConvenience Checks\xe2\x80\x9d or \xe2\x80\x9cChecks\xe2\x80\x9d) from\ntime to time. If we do, you may use a Check to obtain a Cash\nAdvance by signing and completing the Check in accordance\nwith the terms on the Check and any written materials that\naccompany it. You obtain a Cash Advance each time you use a\nCheck and we pay it when it is presented to us, including when\nyou use a Check to purchase or lease goods or services.\n(5) You may obtain a Cash Advance when you use your Card\nfor items that are convertible to cash or similar cash-like\ntransactions that we may designate from time to time, including\nwire transfer money orders, other money orders, travelers\nchecks, or foreign currency or tax payments (so-called \xe2\x80\x9cquasicash\xe2\x80\x9d transactions). However, your Card may not be used to\nobtain, and we will not honor requests for, a Cash Advance in\nthe form of casino chips, bets or wagers, gaming transactions\n(including Internet gambling), lottery tickets or the like.\n(6) Certain establishments may cash your personal checks upon\npresentment of your Card. In the event we are required to pay the\namount of a check cashed in this manner because your check is\nnot paid for any reason, we may charge your Account for a Cash\nAdvance in the amount of the check and any processing charge\nwe incur.\n(c) Balance Transfers. You may use your Account to transfer balances\nfrom other accounts to your Account with us (a \xe2\x80\x9cBalance Transfer\xe2\x80\x9d).\nYou may request a balance transfer by completing the balance\ntransfer portion of the credit application, by completing and returning\nto us one of the balance transfer requests forms we may send you\nfrom time to time, by writing a Balance Transfer check we may\nsend you or by writing or telephoning us. When you request a\nbalance transfer, we will write our check or transfer funds to your\nother creditor. The amount of our check or funds transfer will be\nthe amount of your Balance Transfer. Balance Transfers are treated\nas Purchases rather than Cash Advances for most purposes under\nthis Agreement. However, interest charges may begin to accrue as\nof the date a balance transfer is posted to your Account. Balance\nTransfer transactions will not be processed if made payable to cash,\nto you, to any individual, to a deposit account, or to a State Farm\nBank credit card account. If such a Balance Transfer is processed,\nState Farm Bank reserves the right to convert the transaction to a\nCash Advance.\nCredit Limit\nWe will establish a credit limit for your Account from time to time. Your\ninitial credit limit is shown on the card carrier. Your current credit limit will\nbe shown on each monthly statement of your Account. The total amount\nof credit outstanding on your Account at any time must not be more\nthan your then current credit limit. We may also establish at any time a\nseparate credit limit (as a sub-limit within the overall credit limit for your\nAccount) for Cash Advances. If we do, your outstanding Cash Advances\nbalance of your Account must not exceed the Cash Advances credit limit\nat any time. We may set similar separate sub-limits for other portions of\nyour Account balance. We may change your credit limit or sub-limits from\ntime to time. We will attempt to notify you if we do, but the change may\nbe effective before you receive notice.\nExceeding Your Credit Limit\nIf you request credit in any form which, if granted, would cause either\nyour total outstanding balance or your Cash Advances balance or other\napplicable sub-limit (including, in either case, transactions authorized but\nnot yet posted to your Account) to exceed your credit limit, your Cash\nAdvances credit limit, or any other credit sub-limit we establish for your\nAccount, whether or not those balances were more than the respective\ncredit limits before the request, we may, refuse to honor the request or in\nour sole discretion, we may honor the request and extend the credit. If we\nextend the credit, you will not be charged an over-the-credit limit fee, and\nyou agree to repay the credit and the interest and other charges on it as\npart of the balance of your Account in accordance with the terms of this\nAgreement. We may extend credit that exceeds any credit limit applicable\nto your Account on one or more occasions without waiving our rights. If\nwe previously honored requests for credit in excess of your credit limit,\nthat does not mean we will or must honor further over-limit requests. If\nwe refuse to honor a Check or Balance Transfer request, we may advise\nthe person presenting the Check or Balance Transfer that credit has been\nrefused or that there are insufficient funds to pay the Check or Balance\nTransfer.\nInterest Charges\nWhen Interest Begins to Accrue:\n(a) Interest on Purchases. Except as provided in paragraph (b) below,\ninterest on each Purchase (including a Balance Transfer) will accrue\ndaily from and including the transaction date until the date each\nPurchase is completely repaid according to the payment allocation\nmethod then in effect. If the transaction date was in an earlier billing\ncycle than the posting date, interest will accrue from and including\nthe first day of the billing cycle in which the transaction was posted.\n(b) How to Avoid Paying Interest on Purchases. You can avoid paying\ninterest on Purchase (other than Balance Transfers) posted to\nyour Account if you pay the entire New Balance of your Account\neach month not later than the Payment Due Date shown on your\nAccount statement. If any portion of the balance of your Account\nis subject to an introductory or promotional rate, to avoid paying\ninterest on Purchases (other than Balance Transfers) posted to your\nAccount during the billing cycle you must pay the entire New Balance\n(including any part of the balance that is subject to the introductory\nor promotional rate) shown on the statement of your Account for\nthat billing cycle by the Payment Due Date shown on the statement.\nIf you fail to pay the entire New Balance of your Account before the\nPayment Due Date in any month, you can again avoid paying interest\non Purchase (other than Balance Transfers) in the manner described\nabove after you have paid the entire New Balance of your Account by\nthe Payment Due Date for two consecutive months.\n(c) Interest on Cash Advances. Interest on each Cash Advance will\naccrue daily from and including the transaction date until the date\neach Cash Advance is completely repaid according to the payment\nallocation method then in effect. The transaction date for Cash\nAdvances obtained by a Check is the date we process the Check.\n(d) Interest that Accrues Prior to Payment in Full. Interest accrues on\nthe unpaid balance of your Account as described above until the date\nthe balance is paid in full, except to the extent paragraph (b) above\napplies to Purchases posted to your Account. If you pay the entire\nNew Balance shown on the monthly statement of your Account by\nthe Payment Due Date, you will receive a statement the following\nmonth for interest that accrued from the closing date of the previous\nbilling cycle until the date your payment in full was posted to your\nAccount, even if no new transactions are posted to your Account\nafter the closing date of the previous billing cycle. To minimize the\namount of this interest, pay the New Balance in full immediately upon\nreceipt of your monthly statement.\nPeriodic Rates and Annual Percentage Rates of the Interest Charge:\nThe periodic rates we use to compute interest on your Account and the\ncorresponding annual percentage rates are described below:\n(a) Rate of Interest Charge on Purchases. The daily periodic rate we\nuse to compute the interest on all Purchases balances (including\n\nBalance Transfers) is a variable rate which is the sum of the Prime\nRate plus a margin expressed as a percentage, divided by 365,\nexcept as otherwise provided below for certain introductory rates\nand certain promotional rates.\n(1) Introductory Rate. The daily periodic rate we use to compute\ninterest on all Purchases or Balance Transfer offers is the\nintroductory rate shown on the card carrier. The corresponding\nannual percentage rate is shown on the Account-Opening\nDisclosures on the card carrier. If you abide by the terms of this\nAgreement, the introductory rate will apply for the period of time\nshown on the card carrier and at the end of the introductory\nrate period the Preferred Pricing rate for Purchases will apply\nto the remaining introductory Purchase or Balance Transfer\nbalances on your Account. If there is no space for disclosure\nof an introductory rate on the card carrier or if a space for an\nintroductory rate is shown on the card carrier and is completed\nwith \xe2\x80\x9cN/A\xe2\x80\x9d or is blank, an introductory rate does not apply on\nyour Account.\n(2) Preferred Pricing. The Preferred Pricing daily periodic rate\nwe use to compute interest on Purchases (including Balance\nTransfers other than Balance Transfers that are subject to any\napplicable introductory rate) is a variable rate equal to the sum\nof the Prime Rate plus the margin shown on the card carrier\ndivided by 365. The current Preferred Pricing daily periodic rate\nof interest on Purchases (including Balance Transfers) is shown\non your card carrier and the corresponding annual percentage\nrate of interest is shown in the Account-Opening Disclosures on\nthe card carrier.\n(3) Promotional Rates. From time to time we may offer you certain\npromotional interest rates for certain types of transactions\nor certain parts of your Account balance. If you qualify for\nand accept the offer, the daily periodic interest rate of the\npromotional rate and the corresponding annual percentage\nrate will apply to the balance or portion of the balance of your\nAccount in accordance with the terms of the promotional rate\noffer. At the end of the promotional rate period, Preferred Pricing\nfor Purchases will apply to your Account.\n(b) Rates of Interest on Cash Advances. The daily periodic rate we\nuse to compute the interest on all Cash Advances is a variable rate\nwhich is the sum of the Prime Rate plus a margin expressed as a\npercentage, divided by 365.\n(1) Preferred Pricing. The daily periodic rate we use to compute\nthe interest on Cash Advances balances is a variable rate equal\nto the sum of the Prime Rate plus the margin shown on the\ncard carrier divided by 365. The current Preferred Pricing daily\nperiodic rate of interest on Cash Advances is shown on the\ncard carrier, and the corresponding annual percentage rate of\ninterest is shown in the Account-Opening Disclosures on the\ncard carrier.\n(c) Variable Rates of the Interest: The Interest rates under\nsubparagraphs (a) and (b) above, other than any applicable\nintroductory rate on balance transfers or Purchases are variable\nrates based on the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table\nin The Wall Street Journal. The interest rates and the corresponding\nannual percentage rates of interest charged under this Agreement\nmay increase if the Prime Rate increases. The effect of an increase\nin the Prime Rate will be an increase in the amount of the Minimum\nPayment due under this Agreement. We will calculate the interest\nrates applicable to your Account every month based on the Prime\nRate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table in The Wall Street Journal\nas of your statement closing date for the billing cycle. If two or\nmore Prime Rates are published on that day, the highest of those\nrates will be used to calculate the rates of the interest under this\nAgreement. If your statement closing date is a day on which The\nWall Street Journal was not published, the previous business day\non which The Wall Street Journal was published will be used. If\nThe Wall Street Journal ceases publication, or no longer publishes\nthe prime rate, or changes the manner by which its prime rate is\ndetermined, we may select another comparable index of short-term\ninterest rates to be the \xe2\x80\x9cPrime Rate\xe2\x80\x9d under this Agreement. The new\nannual percentage rates, and the new daily periodic interest rates\ncalculated by dividing the new annual percentage rates by 365, will\napply to your Account beginning as of the first day of the billing\ncycle of your Account during which the new annual percentage\nrates and the corresponding daily periodic rates were calculated,\nand will continue to apply until new annual percentage rates and the\ncorresponding daily periodic rates are calculated and have become\neffective in the manner described in this paragraph. The new annual\npercentage rates and the corresponding new daily periodic interest\nrates will apply retroactively to the first day of the billing cycle, and\ntransactions that occurred during the billing cycle both prior to and\nafter the date the new annual percentage rates were calculated will\nbe subject to the new annual percentage rates and the corresponding\nnew daily periodic interest rates for the entire billing cycle.\nCalculating the Balances to which the Periodic Interest Rates\nAre Applied: We calculate an \xe2\x80\x9caverage daily balance\xe2\x80\x9d separately for\nPurchases (including Balance Transfer, but excluding any introductory\nperiod Balance Transfers), Cash Advances, any introductory period\nBalance Transfers then in effect, and any special rate offers then in effect.\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account we take the beginning\nbalance of your Account each day for each of these types of transactions,\nadd any new Purchases (including Balance Transfers, but excluding\nany introductory period Balance Transfers and introductory period\nPurchases), Cash Advances, introductory period Balance Transfers and\nother special rate offers (as applicable), and subtract any payments\nand other credits applied to that type of transaction under the payment\nallocation method then in effect. This gives us the daily balance for each\nof these types of transactions. (Credit balances are treated as zero for\npurposes of calculating the daily balances.) Then, we add all of the daily\nbalances for the billing cycle for each of these types of transactions and\ndivide the respective totals by the number of days in the billing cycle. This\ngives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for your Account for each of these\ntypes of transactions.\nCalculating Interest and Other Finance Charges; Minimum Interest\nCharge: We figure the interest on Purchases (including Balance Transfers)\nand Cash Advances charged to your Account by multiplying each of the\n\xe2\x80\x9caverage daily balances\xe2\x80\x9d of your Account by the applicable daily periodic\nrate of interest and then by the number of days in the billing cycle, and\nby adding the resulting products together. We then add any transaction\nfee finance charges, each calculated as provided below. If the amount of\nfinance charge calculated as described above is more than zero but less\nthan $1.50, a minimum monthly finance charge of $1.50 will be charged\nto your Account. We may, at our election, waive the finance charge on\nsmall Account balances.\nFinance Charges\n(a) Cash Advance Fee: If you use your Card or a Check (Convenience\nCheck) to obtain a Cash Advance, we will charge your Account a\nCash Advance fee equal to 5% of the U.S. dollar amount of the Cash\nAdvance, subject to a minimum fee of $10 for each Cash Advance.\n(b) Balance Transfer Fee: If you make a Balance Transfer to your\nAccount, we will charge your Account a Balance Transfer fee equal\nto 3% of the U.S. dollar amount of the Balance Transfer transaction,\nsubject to a minimum fee of $10.\n(c) International Transaction Fee: If you use your Card to make\nan international transaction, we will charge your Account an\nInternational Transaction fee equal to 3% of the U.S. dollar amount\nof the transaction. An international transaction is defined as any\ntransaction that was acquired in any country other than the United\nStates.\nPenalty Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a Late Payment Fee if we do not receive payment in an amount at\nleast equal to the Minimum Payment due shown on the monthly\nstatement of your Account by the Payment Due Date shown on the\nstatement. The amount of the Late Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(b) a Returned Payment Fee if a check or draft you send us as a payment\non your Account is returned for insufficient funds or for any other\nreason. The amount of the Returned Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(c) a Returned Check Fee if we return a Check unpaid for any reason.\nThe amount of the Returned Check Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\nHowever, the amount of the Late Payment Fee, Returned Payment Fee,\nand Returned Check Fee will be $38 if you also incurred the same fee\non your Account within the immediately preceding six billing cycles of\nyour Account.\nOther Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a Statement Reprint Fee of $5 for each copy of a monthly statement;\n(b) a $15 per hour (with a $10 minimum) Account Research Fee for\naccount research incurred in servicing your account at your request;\nand\n(c) Unless prohibited by applicable law, the amount of any costs we\nincur in complying with state abandoned or unclaimed property laws\nwith regard to your Account.\nRepayment; Minimum Payment Due Each Month\nYou promise to pay us the amounts of all credit you obtain through the\nuse of your Card (including all Purchases, Balance Transfers and Cash\nAdvances), all transaction fees and other charges we assess against your\nAccount and all interest and other finance charges as provided in this\nAgreement. You agree to make your payments in the amounts and at the\ntimes provided in this Agreement. Time is of the essence.\nWe will provide a statement of your Account at approximately monthly\nintervals if there has been activity on your Account, a finance charge is\nassessed during the preceding month, or there is a balance (credit or\ndebit) in your Account exceeding $1, unless we deem your Account to\nbe uncollectible, or we have instituted delinquency collection procedures,\nor we have charged off the Account, or furnishing the statement would\nviolate federal law. You may pay any amount up to the entire unpaid\nbalance (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) of your Account at any time. You agree\n. . . CONTINUED ON REVERSE SIDE\n\n\x0cto pay each month at least the amount of the Minimum Payment Due\nshown on your monthly statement by the Payment Due date shown on\nthe statement. The monthly Minimum Payment Due is 1% of the New\nBalance (less interest charges and Late Fees and rounded to the nearest\n$5.00) + Interest Charges + Late Fees + any Past Due Amounts or\n$25, whichever is the greater (or your entire New Balance if less than\n$25). The Payment Due Date will be at least 24 days after the Closing\nDate. If you overpay, or if a credit balance is otherwise created in your\nAccount, we will not pay interest on that amount. We reserve the right to\nreject or return any payment if it would create a, or add to an existing,\ncredit balance as of the day we receive that payment. Your payments are\nnot deemed to be received until they are posted to your Account. See\nthe monthly statement of your Account for details on timely posting of\npayments. Mail your payment, accompanied by the payment remittance\nstub, using the envelope enclosed with your monthly statement or to\nthe payment address provided on the monthly statement. Or make your\npayment online by going to statefarm.com. The crediting of payments\nsent to any location other than the payment address or received in any\nother manner may be delayed. Do not send correspondence of any\ntype to the payment address. When you provide a check as payment,\nyou authorize us either to use information from your check to make a\none-time electronic fund transfer from your Account or to process the\npayment as a check transaction. When we use information from your\ncheck to make an electronic fund transfer, the funds may be withdrawn\nfrom your account on which the check is drawn as soon as the same day\nwe receive your payment and you will not receive your check back from\nyour financial institution. For inquiries about your account, please call\nus toll-free at 877-SF4-VISA (877-734-8472) or write us at PO Box 87,\nDeposit, New York 13754-0087.\nYour payments will be allocated among the charges on your Account\nin any manner we determine that is consistent with the requirements\nof applicable law, without regard to any contrary instructions from\nyou If different annual percentage rates apply to different balances of\nyour Account, we will allocate any amount you pay in excess of the\nrequired Minimum Payment Due first to the balance with the highest\nannual percentage rate and any remaining portion to the other balances\nin descending order based on the applicable annual percentage rate\nin a manner that complies with applicable regulations and regulatory\nguidance. Even though your payment may be credited to your Account\nin the billing cycle in which the payment is received, your available credit\nmay not be increased by the amount of the payment until your payment\nhas cleared.\nIf you pay more than the Minimum Payment you will not thereby prepay or\npostpone the due date of payments in the following months and you will\ncontinue to be obligated to make the Minimum Payment amount (if any)\nshown on your monthly statements in succeeding months.\nPayments must be made in U.S. dollars, and we may refuse to accept\nchecks not denominated in U.S. dollars. You agree not to use a State Farm\nBank Balance Transfer, Convenience Check, or the proceeds of a Cash\nAdvance to make any payment on your Account.\nOur Right to Require Immediate Payment\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, you will be in default and, at our election, we\ncan require you; to pay immediately all amounts you owe us under this\nAgreement without notice or demand if (1) you fail to pay any amount\nyou owe under this Agreement exactly when due; or (2) your Account\nbalance exceeds your credit limit, or if we have established a separate\nCash Advances credit limit or other credit sub-limit for your Account,\nyour Cash Advances balance exceeds your Cash Advances credit limit or\nyou exceed any other credit sub-limit of your Account; or (3) you fail to\nabide by any other term of this Agreement; or (4) your ability to pay us is\nmaterially impaired (including, without limitation, if you file or have filed\nagainst you as debtor a proceeding under any chapter of the Bankruptcy\nCode); or (5) you die or become incapacitated; or (6) you are in default\non any other credit account or loan you have with us.\nCollection Costs\nIf you are in default, unless prohibited by applicable law, you agree to pay\nus or reimburse us for all costs and disbursements, including reasonable\nattorney\xe2\x80\x99s fees, we pay or incur in legal proceedings (including\nbankruptcy proceedings) to collect or enforce the debt you owe under\nthis Agreement.\nTransactions Made in Foreign Currencies\nIf a transaction is made in a foreign currency, we and Visa International\nwill convert the transaction into a U.S. dollar amount. Visa will act in\naccordance with their operating regulations or conversion procedures in\neffect at the time the transaction is processed and may use (i) a rate\nselected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (ii) the government-mandated rate in\neffect for the applicable central processing date, in each instance plus or\nminus any adjustment determined by Visa or us. The currency conversion\nrate calculated in this matter that is in effect on the processing date may\ndiffer from the rate in effect on the transaction date or the posting date.\nWhen any transaction must be converted back into a foreign currency\nbecause of a refund or other reversed transaction, the same currency\nconversion formula will apply.\nBilling Cycles of Your Account\nEach billing cycle of your Account begins on the day after the closing date\nshown on the preceding monthly statement of your Account and ends on\nthe closing date shown on the monthly statement of your Account for the\ncurrent month. A billing cycle occurs even if you do not receive a monthly\nstatement of your Account as otherwise provided in this Agreement.\nAuthorized Use of Your Card by Others\nIf you permit any person to have access to your card or Account number\nwith the authorization to make a charge, or if you request us to issue a\nCard on your Account to another person, you will be liable for all charges\nmade by that person, including charges you may not have intended that\nperson to make.\nSpecial Provisions Regarding Checks\nYou may stop payment on an unpaid Check by providing us with the\ncheck number, dollar amount, and payee exactly as they appear on the\nCheck. A stop payment request expires six months after the date we\naccept your stop payment order unless you renew it in writing within two\nweeks prior to the expiration date.\nIf you post-date a Check, we may honor the Check immediately upon\npresentment or return it unpaid, at our election, without in either case\nwaiting until the date shown on the Check. We are not liable to you for any\nloss or expense incurred by you arising out of the action we elect to take.\nYou may not use a Check or any other Cash Advance to make a payment\nunder this Agreement or any other credit account you may have with us.\nCertain Limitations on Use of Your Card\nYour Account is a consumer credit account. You must not use your\nAccount primarily for business or commercial purposes, the purchase\nof securities or commodities, any unlawful purpose or in any illegal\ntransaction.\nRefusal to Honor Your Card; Refused Authorizations\nWe will not be liable if any other bank, any ATM, or any seller or lessor\nof goods or services refuses to honor your Card or retains your Card\nwhen you attempt to use it. Even though you have available credit on your\nAccount, we may fail or decline to authorize a particular transaction due\nto operational difficulties or, at our discretion, for other reasons we deem\nto be appropriate.\nGaming and Wagering Transactions\nThe State Farm Bank credit card is not to be used for any gaming or\nwagering transactions, including transactions for casino chips, bets,\nwagers, Internet gambling or any other gaming or wagering transaction.\nState Farm Bank will decline transactions for casino chips, bets, wagers,\nInternet gambling or any other gaming or wagering transaction.\nSuspension or Termination of Your Account\nWe may suspend or terminate your right to obtain additional credit at any\ntime, subject only to any limitations under federal law or to the extent\nfederal law does not preempt state laws, under the laws of the State of\nIllinois. All Cards we issue to you or at your request remain our property,\nand you agree to return all such Cards to us at our request. You may\nterminate your right to obtain additional credit at any time by cutting all\nunexpired Cards outstanding on your Account in two and returning them\nto us. Your obligations under this Agreement continue unchanged after\nyour right to obtain credit has been suspended or terminated by you or\nby us.\nObligation of Multiple Cardholders\nAll joint accountholders are individually and jointly responsible for paying\nthe entire outstanding balance on the Account. If two or more persons are\nresponsible for paying any outstanding balance, we may refuse to release\nany of them from liability until all of the unexpired Cards outstanding\non the Account have been returned to us and the Account balance is\npaid in full. The obligations of the other obligated persons will not be\naffected by the release or discharge of one or more of the persons who\nare responsible for paying all or any part of the Account.\nAmendments; Replacement Cards\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, we may amend this Agreement at any time to\nchange, add, or delete provisions upon such notice to you and subject to\nsuch limitations as are required and imposed under applicable provisions\nof federal law or to the extent federal law is not controlling, the laws of\nthe State of Illinois. If a longer minimum notice period is not specified\nby applicable federal or Illinois law for the amendments we propose to\nmake, we may amend this Agreement upon not less than 15 days notice\nto you. Unless otherwise provided by law, any notice of changed terms\nmay be included on or with the monthly statement of your Account and,\nthe notice period will begin to run when we mail or deliver the notice to\nyou. If a notice of an amendment gives you the opportunity to reject the\namendment, and if you reject the amendment in the manner provided\nin the notice, we may terminate your right to receive additional credit\nand may require you to return all credit devices as a condition of your\nrejection of the amendment. If the amendment so provides, and subject\nto the requirements of applicable law, the amended Agreement (including\nany increased rate or amount of interest or other finance charge and other\nincreased charges and fees) will apply to both existing and new balances\nof your Account, including, subject to the provisions of the notice of\nchange in terms, all Purchases, Cash Advances and Balance Transfers\nafter the effective date of the amendment. Any letter, payment instrument\nor other communication you direct to us with the intent to amend this\nAgreement must be sent to us in writing at: State Farm Bank, PO Box\n2326, Bloomington, Illinois 61702-2326. If any such payment instrument\nis received at any other address, we may accept the payment instrument,\nwhich will not constitute consideration, and no amendment to the\nAgreement shall have been effected. This Agreement may be amended\nonly by a writing originated by us and sent to you or a written amendment\nsigned by one of our authorized representatives.\nWe may replace your Card with another credit card at any time.\n\nCommunications Concerning Disputed Debts\nAny payment instrument you send us for less than the full balance due\nthat is marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or similar notation, or that you otherwise\ntender in full satisfaction of a disputed amount, must be sent to State\nFarm Bank, PO Box 2326, Bloomington, Illinois 61702-2326. We reserve\nall our rights regarding such instruments. For example, if it is determined\nthere is no valid dispute or if any such instrument is received at any\nother address, we may accept the instrument and you will still owe any\nremaining balance. Or, we may refuse to accept any such instrument\nby returning it to you, not cashing it, or destroying it. Satisfaction of\nyour debt for less than the full amount due requires a written agreement,\nsigned by one of our authorized representatives.\nChange of Name or Mailing Address\nYou must notify us immediately of any change of your name or mailing\naddress from that shown on your latest monthly statement. The back of\nyour monthly statement contains a form you may use for this purpose.\nAssignment\nWe may at any time, and without notice to you, assign your Account, any\nsums due on your Account, this Agreement, and our rights or obligations\nunder your Account and this Agreement to any person or entity. The\nperson or entity to whom we make any such assignment shall be entitled\nto all of our rights under this Agreement, to the extent assigned. You may\nnot assign your rights under this Agreement.\nUnauthorized Use of Your Account\nIf you notice the loss or theft of your credit card or a possible unauthorized\nuse of your card, you should write to us immediately at: State Farm Bank,\nP.O. Box 94, Deposit, New York 13754-0094, or call us at 877-734-8472.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before\nyour notice to us. In any case, your liability will not exceed $50.\nPlease sign your Card immediately after you receive it. Please safeguard\nyour Card like you would if it were cash. Do not disclose your PIN to\nanyone else.\nMonitoring Telephone Conversations\nYou consent to and authorize us, any of our affiliates, and our marketing\nassociates to monitor and/or record (unless prohibited by law) any of your\ntelephone conversations with our representatives or the representatives\nof any of such companies.\nInformation Gathering and Sharing\nPlease refer to the State Farm\xc2\xae \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d for our\npolicies on collecting, using, securing, and sharing nonpublic personal\ninformation. Additional copies of our \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d are\navailable by calling us toll-free at 877-SF4-BANK (877-734-2265), on\nour website (statefarm.com\xc2\xae), or from your local State Farm agent.\nCREDIT REPORTING: State Farm Bank may report information about your\naccount to credit bureaus, including negative information. Late payments,\nmissed payments, or other defaults on your account may be reflected in\nyour credit report. You authorize State Farm Bank to obtain consumer\nreports about you until the balance is paid in full and the account is\nclosed.\nDISPUTING ACCOUNT INFORMATION REPORTED TO CREDIT\nBUREAUS: We furnish information about your account to credit bureaus.\nYou have the right to dispute the accuracy of the information reported by\nwriting to us at: State Farm Bank, F.S.B., ATTN: Credit Reporting, P.O. Box\n2313, Bloomington, IL 61702-2313.\nGoverning Law\nThis Agreement, including, without limitation, the interest to be charged,\nis governed by Federal law and to the extent Federal law is not controlling,\nby the laws of the State of Illinois without regard to its conflict of laws\nprinciples.\nSeverability; No Waivers\nIf any part of this Agreement is found to be invalid, the rest remains\neffective. Any failure or delay by us in exercising any of our rights or\nremedies under this Agreement or under applicable law does not mean\nthat we will not be permitted to exercise those rights or remedies later. We\nmay accept late payments or partial payments without losing any of our\nrights or remedies. You have not waived under this Agreement any of your\nrights or our duties under the Illinois Financial Services Development Act.\nTransactions with Merchants\nReturn Policy. If a merchant discloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d,\n\xe2\x80\x9cno refund\xe2\x80\x9d, \xe2\x80\x9cno return or credit without receipt\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, \xe2\x80\x9cstore credit\nonly\xe2\x80\x9d, or \xe2\x80\x9call sales final\xe2\x80\x9d, you will be bound by that policy when you\nuse your Card or Account to buy goods or services from that merchant.\nReservations. When using your Account to make travel or lodging\nreservations, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if\nyou cancel. If you cancel, obtain the merchant\xe2\x80\x99s cancellation number that\nit is required to give you. The merchant may charge you for a cancelled\ntransaction unless you can provide us with the merchant\xe2\x80\x99s cancellation\nnumber. Recurring Transactions. If you authorize a merchant to charge\nyour Account for repeat transactions with your Card, you must notify\nthe merchant when you want to discontinue the repeat transactions or\nif your Account is closed or a new Account number is issued by us.\nDispute Assistance. If you disagree with a transaction on your statement\nor have a dispute with the merchant as a result of the transaction, you\nwill provide information or assistance we reasonably request to permit\nus to investigate the transaction. Otherwise, you will pay us for any\nresulting loss we have (up to the amount of the transaction) unless we are\nprohibited by applicable law from holding you liable for our loss. \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d controls. If any provision of this paragraph conflicts with\nany part of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below that is applicable to\nthe particular transaction, the terms of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section\nwill control.\n\nYOUR BILLING RIGHTS\nKeep this document for future use.\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your statement, write to us at: State Farm\nBank, PO Box 1420, Deposit, New York 13754-1420.\nIn your letter, give us the following information:\n(1) Account information: Your name and Account number.\n(2) Dollar Amount: The dollar amount of the suspected error.\n(3) Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but\nif you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n(2) Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date that it is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n(1) The purchase must have been made in your home state or, within 100\nmiles of your current mailing address; and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at: State Farm Bank, PO Box 1420,\nDeposit, New York 13754-1420.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nNotice for Married Wisconsin Residents. No provision of any marital\nproperty agreement, unilateral statement, or court order applying to\nmarital property will adversely affect State Farm Bank interests unless\nprior to the time credit is granted, State Farm Bank is furnished with a\ncopy of the agreement, statement or court order, or State Farm Bank has\nactual notice of the provision. Married Wisconsin residents must furnish\nthe name and address of their spouse to State Farm Bank at PO Box 87,\nDeposit, New York 13754-0087.\nF03-W740-3\n\n\x0c'