b'CARDHOLDER AGREEMENT\nThis document is our standard form credit card agreement in effect on the last business day of the previous calendar\nmonth that ended on February 28, 2021, and has been supplemented with pricing information in the \xe2\x80\x9cTerms and\nConditions\xe2\x80\x9d located under the Disclosures section on www.farmbureau.bank. These documents are provided to you\nfor informational purposes only. These account terms may not be available after the above date. If you apply and are\napproved for a credit card account with us, your actual account terms will be based on the terms of the offer available\nat the time that you applied and your Cardholder Agreement will be the agreement sent to you when your account is\nfirst opened.\nThis Agreement establishes the terms of your credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d) with Farm Bureau Bank FSB, Sparks,\nNevada. Please read it carefully and keep it with your records. You do not need to sign this Agreement, but please\nsign the back of your credit card (the \xe2\x80\x9cCard\xe2\x80\x9d), if you have not already done so. All extensions of credit in connection\nwith your Account are being made by Farm Bureau Bank, FSB.\nDefinitions. If we use a capitalized term in this document but we do not define the term in this document, the term has\nthe meaning as used in your monthly statement.\n\xe2\x80\x9cAgreement\xe2\x80\x9d means this document, the Terms and Conditions and any changes we make to these documents from time\nto time.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account including without limitation through a Card, Check,\nthe account number, or other credit device.\n\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means the use of your Account for a loan obtained by a transfer of funds initiated by us at your\nrequest, including the use of a Balance Transfer Check.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Card or account number to obtain cash loans at any financial institution or\nautomated teller machine that accepts the Card, the use of a Cash Advance Check or the purchase of Cash Equivalents.\n\xe2\x80\x9cCash Equivalent\xe2\x80\x9d means the use of your Card or account number to obtain money orders, traveler\xe2\x80\x99s checks, foreign\ncurrency, lottery tickets, gambling chips, wire transfers, person to person money transfers (including but not limited to\ntransfers facilitated over the Internet), or the use of your Account to open a deposit account or to transfer value to a\nstored value card at a location or through a merchant other than a financial institution and any other transaction that\nMasterCard, Visa and/or American Express (as applicable to your Account) may designate as a Cash Equivalent.\n\xe2\x80\x9cCheck\xe2\x80\x9d or \xe2\x80\x9cConvenience Check\xe2\x80\x9d means an access check we provide to you to make a Cash Advance or a Balance\nTransfer as applicable on your Account. A Check can be either a Balance Transfer Check or a Cash Advance Check and\nwill be designated as such by us.\n\xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cDPR\xe2\x80\x9d means the applicable APR divided by 365 and \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cMPR\xe2\x80\x9d means\napplicable APR divided by 12. MPRs are used to calculate your interest charges if you are a resident of Iowa when your\nAccount is opened. For all other persons, DPRs are used to calculate your interest.\n\nG16530 2.28.2021 Page 1 of 14\n\n\x0c\xe2\x80\x9cForeign Transaction\xe2\x80\x9d means the use of your Card or Account (other than through a Cash Advance) for a transaction\nwith a business or entity located outside of the United States or for a transaction in a currency other than U.S. dollars.\nForeign Transactions and the Transaction Fees associated with any Foreign Transaction are considered Purchases for\ninterest calculation purposes.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Card or account number to buy or lease goods or services and to make a transaction\nthat is not otherwise a Balance Transfer or a Cash Advance. Purchases include Foreign Transactions, Account Fees and\nany adjustments associated with any Purchase.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who has applied for, accepted, or used the Account and each person who has\nagreed to be responsible for the Account. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer the Farm Bureau Bank, FSB.\nUsing Your Account/Acceptance of these Terms. You do not need to accept the Account and this Agreement and none\nof the fees on this Account (except as otherwise provided herein) will apply unless you use the Account. If your Account\nhas an Annual Fee (see the Terms and Conditions to determine if this Account has an Annual Fee) and provided that you\nhave not otherwise used the Account to make a Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you\nmay close the Account within thirty days after Account opening by contacting us at the number on the back of your\nCard, and if you do, you will not be responsible for paying the Annual Fee. By signing, keeping, using or otherwise\naccepting your Card or Account, you agree to the terms and conditions of this Agreement. You may obtain credit in the\nform of Purchases, Balance Transfers and Cash Advances by using your Card, your account number, Checks, or other\ncredit devices. You agree that we may credit your Account rather than issue cash refunds when you reverse transactions\nthat were originally charged to your Account. You agree that you will not use your Card or Account in connection with\nany transaction that is prohibited or unenforceable and that if you do engage in such a transaction you waive any claim\nthat the charge is uncollectible on the grounds the transaction was prohibited or unenforceable. The Card must be\nreturned to us upon request. We may replace your Card with another Card anytime.\nSeverability. If any provision of this Agreement is, or becomes illegal, invalid or unenforceable under any applicable\nstatute or rule of law, that shall not affect the validity or enforceability of any other provision and this Agreement shall\nbe construed and enforced as if the Agreement did not contain that particular provision to the extent of its invalidity or\nunenforceability.\nChanges to this Agreement. We may amend the terms of this Agreement, including the amount of any fees, from time\nto time in our sole discretion. Depending on the nature of the change, the amendment to this Agreement may, on or\nafter the date on which it becomes effective, apply to all of your then-outstanding unpaid indebtedness to us under your\nAccount. If required by applicable law, we will (a) send notice of the changes to you at the address shown on our records\nfor you and (b) give you the right to opt out of the change. If you opt out of the change you will be unable to initiate any\nfurther transactions on the Account and you will be required to repay the amount that you owe us under the terms and\nconditions of the then-existing Agreement.\nObligations on Your Account. You authorize us to pay and charge your Account for all Purchases, Balance Transfers,\nChecks, and Cash Advances made or obtained by you or anyone you authorize to use your Card or Account. You agree to\npay us for all of these Purchases, Balance Transfers, Checks, and Cash Advances, plus any interest assessed on your\nAccount and any other charges and fees which you may owe under the terms of this Agreement, whether resulting from\n1) physical use of your Card or a Check, 2) mail order or telephone, computer or other electronic transaction made\nwithout presenting the Card, or 3) any other circumstances where you authorize a charge, or authorize someone else\nto G16530 2.28.2021 Page 2 of 14\n\n\x0cmake a charge, to your Account. Each person who has agreed to be responsible on the Account is responsible to pay the\nfull amount owed on the Account. If this is a joint Account, we can send statements and notices to either of you. We\nmay require that you pay the full amount owed without first asking any other person(s) to pay. Instructions for making\npayments are on your monthly billing statement. Payments that comply with the requirements specified on or with your\nmonthly billing statement, including the time of receipt, will be credited as of the business day they are received.\nPayments must be mailed to the correct P.O. Box or to the street address specified for U.S. Priority Mail and overnight\npayments. There may be a delay of up to five (5) days in crediting payments that are not made in accordance with those\ninstructions. Please allow at least seven (7) days for the U.S. Postal Service to deliver your payment. All payments must\nbe made in U.S. dollars. Any payment made by check or other negotiable instrument or direct debit must be drawn on a\nU.S. bank or a U.S. branch of a foreign bank. We reserve the right to accept payments made in a foreign currency. If we\ndo, we will select the foreign currency rate at our discretion. Your available credit may not be immediately increased by\nthe amount of the payment for up to seven (7) days to ensure we collect the funds from the bank on which your\npayment is drawn. If you overpay or if there is a credit balance on your Account, we will not pay interest on such\namounts.\nGoverning Law. This Agreement and your Account will be governed by applicable federal law and, to the extent not\npreempted by federal law, the laws of the State of Nevada.\nOur Rights Continue. Our failure or delay in exercising any of our rights under this Agreement does not mean that we\nare unable to exercise those rights later.\nCredit Limit/Authorized Usage. Your Credit Limit is shown on the carrier containing your Card. We may change your\nCredit Limit from time to time\xe2\x80\x94either increase or decrease it\xe2\x80\x94at our sole discretion. If at any time (including in the\nfirst month after your Account is opened) you engage in account actions or activity that we perceive could have a\nnegative impact on your credit standing with us, we may decrease your Credit Limit or close your Account. Your latest\nCredit Limit will appear on your monthly billing statement. You agree not to make a Purchase, authorize a Balance\nTransfer, use a Check, or obtain a Cash Advance that would cause the unpaid balance of your Account to exceed your\nCredit Limit. We may honor Purchases, Balance Transfers, Checks and/or Cash Advances in excess of your Credit Limit\nat our sole discretion. If we do, this Agreement applies to that excess and you agree to pay the excess immediately if\nwe request that you do so. You agree that we may change your Credit Limit or close your Account at any time for any\nreason without affecting your obligation to pay amounts that you owe under this Agreement. We will notify you of\nany change, but that change may take effect before you receive the notice. We may designate that only a portion of\nyour Credit Limit is available for Cash Advances. If we do and you exceed your Cash Advance Credit Limit, you will be\nconsidered to have exceeded your Credit Limit for all purposes of this Agreement. We may limit the authorizations to\nmake Purchase, Balance Transfer, Check, or Cash Advance transactions that may be accomplished with your Card or\nAccount. We may in our sole discretion allow you to exceed your Credit Limit at any time, be we are not required to. In\naddition, if we do allow you to exceed your Credit Limit for any transaction or transactions, we will not be required to\nallow you to do so on another occasion. These charges will be evaluated based on account performance, other credit\naccounts with us, and your experience with other creditors. If we authorize these charges, you must pay, with your\nMinimum Payment Due, the amount by which your balance exceeds your Credit Limit, including amounts due to\nPurchases, Cash Advances, Interest charges, Fees, or other charges.\nChecks on Your Account. We may issue Checks on your Account in the form of \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d or \xe2\x80\x9cCash\nAdvance Checks,\xe2\x80\x9d which can be used to access your Credit Limit. Each Check will contain your Account number and may\nbe used only by the person(s) whose name(s) is/are printed on it. Each must be completed and signed in the same\nG16530 2.28.2021 Page 3 of 14\n\n\x0cmanner as a regular personal check. If we provide Checks to you, you may not use them to pay any amount you owe\nunder this Agreement or under any other account you may have with us. Balance Transfer Checks and Cash Advance\nChecks are subject to the same rate and other terms under this Agreement as Balance Transfers and Cash Advances,\nrespectively. Unless otherwise indicated, all references in this Agreement to Balance Transfers include Balance Transfer\nChecks, all references to Cash Advances include Cash Advance Checks, and all references to use of the Account include\nuse of these Checks. At our sole discretion we may elect to not honor a Check if there has been a change in your credit\nworthiness, your Account is not in good standing or if the Check may cause your Account to exceed the Cash Advance or\nother applicable Credit Limit on your Account. At our sole discretion we may elect to honor a Check after its expiration\ndate. Unlike purchase transactions, there are no charge back rights with regard to Balance Transfer and Check\ntransactions.\nMonthly Billing Statements. At the end of each monthly billing cycle a statement will be mailed or delivered to you if\nyour Account has a debit or credit balance of more than $1.00 or if interest or a fee has been imposed. We will not send\na monthly billing statement if we deem your Account uncollectible or if delinquency collection proceedings have been\ninstituted by us sending your Account to an outside collection agency or attorney for collection.\nHow We Will Calculate Your Balance Subject to Interest Rate. The provisions describing how we calculate your balance\nsubject to interest rate each month, accrual of interest and how to avoid paying interest on purchases may vary based\non the account type that the applicant applied for a preset spending limit. Option 1 applies to all persons except those\nwho reside in Iowa when the Account is opened; Option 2 applies if you open your Account while residing in Iowa:\nOPTION 1: How We Will Calculate Interest. We use a method called \xe2\x80\x9cdaily balance (including new purchases)\xe2\x80\x9d. We\ncalculate interest separately for each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d. These include for example, Purchases at the\ncurrent rate, Balance Transfers at the current rate, Cash Advances at the current rate, and different promotional\nbalances. Your monthly billing statement shows each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d. To calculate interest, we first\ncalculate a daily balance for each Balance Subject to Interest Rate. We start with the balance, for that Balance Subject to\nInterest Rate, as of the end of the previous day. We add any interest calculated on the previous day\xe2\x80\x99s balance. (This\nmeans interest is compounded daily). We add any new Purchases, Balance Transfers and Cash Advances to the\nappropriate balance and subtract any new payments or credits from the appropriate balance. We then add all fees that\nhave not already been added to your balance and make other adjustments as authorized by this Agreement. A credit\nbalance is treated as a balance of zero. We then multiply each daily balance by the applicable DPR. We do this for each\nday in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to\nget the total interest for the billing period.\nAccrual of Interest and How to Avoid Paying Interest on Purchases. On Purchases, interest begins to accrue as of the\ntransaction date. However, you may avoid paying interest on Purchases in any given billing cycle if you pay your New\nBalance in full by the Payment Due Date. For Balance Transfers, interest will accrue from the transaction date which\ngenerally will be the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the\ntransaction date which generally will be the day the payee accepts the Check. For Cash Advances, interest will accrue\nfrom the transaction date which generally will be the day you take the Cash Advance. If you are charged interest in a\nbilling cycle, we will charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest\ncharge in that billing cycle is less than the amount of the Minimum Interest Charge.\n\nG16530 2.28.2021 Page 4 of 14\n\n\x0cOPTION 2: How We Will Calculate Your Balance Subject to Interest Rate (For Residents of Iowa at the Time of Account\nOpening). We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. To determine the amount of the\ninterest to be charged on your Account we first calculate the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d separately for\nPurchases, for Balance Transfers, and for Cash Advances. We apply the applicable Monthly Periodic Rate to the average\ndaily balances of i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The average daily balances for Purchases, for\nBalance Transfers, and for Cash Advances are calculated separately and determined as follows: We take the beginning\nbalances for each balance category on your Account each day, add to the respective balances any new transaction and\nany fees that you have incurred and that have not already been added to your balance, and then subtract any payments\nor credits and make any other applicable adjustment(s). A credit balance is treated as a balance of zero. Then we take\nthe sum of all daily balances and divide by the number of days in the billing period to determine the average daily\nbalance. If you multiply the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d for each balance category as disclosed on your monthly\nbilling statement by the applicable MPRs, the results will be the interest assessed, except for minor variations caused by\nrounding. We may from time to time offer you \xe2\x80\x9cintroductory\xe2\x80\x9d, \xe2\x80\x9cspecial\xe2\x80\x9d or \xe2\x80\x9cpromotional\xe2\x80\x9d APR offers. If any are in effect\non your Account, we will separately identify the balances to which such offers apply on your monthly billing statement.\nThese separate balances and the related interest will be calculated in the same manner as described above.\nAccrual of Interest and How to Avoid Paying Interest on Purchases. On Purchases, interest begins to accrue as of the\ntransaction date. However, you may avoid paying interest on Purchases in any given billing cycle if you pay your New\nBalance in full by the Payment Due Date each month. For Balance Transfers, interest will accrue from the transaction\ndate which generally will be the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the\ntransaction date which generally will be the day the payee accepts the Check. For Cash Advances, interest will accrue\nfrom the transaction date which generally will be the day you take the Cash Advance. If you are charged interest in a\nbilling cycle, we will charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest\ncharge in that billing cycle is less than the amount of the Minimum Interest Charge that is disclosed in the terms of your\nAccount.\nYour Minimum Payment Each Month. Each billing cycle, you must pay at least the Minimum Payment Due shown on\nyour monthly statement by its Payment Due Date. We will calculate it as follows:\n(1) If the New Balance is less than $20, the Minimum Payment Due equals the New Balance shown on your monthly\nstatement.\n(2) If the New Balance is $20 or more, the Minimum Payment Due equals the greater of $20 or the total of:\n\xe2\x80\xa2 1% of the New Balance,\n\xe2\x80\xa2 Any interest charges billed on the monthly statement (excluding any interest charges that accrued during prior billing\ncycles on a deferred interest balance that ended during the billing cycle covered by the statement),\n\xe2\x80\xa2 Any Minimum Interest Charge, and\n\xe2\x80\xa2 Any unpaid Late Payment, Returned Payment, Cash Advance, Balance Transfer and Convenience Check Fees.\nIf we so elect, your Minimum Payment Due may also include any amount that, at the time of billing, is past due and/or\nover your Credit Limit. In certain instances your Minimum Payment Due may be less than the total fees and interest\nassessed that billing cycle. At any time you may pay more than the Minimum Payment Due up to the full amount you\nowe us. However, you cannot \xe2\x80\x9cpay ahead\xe2\x80\x9d. This means that if you pay more than the required Minimum Payment Due in\nG16530 2.28.2021 Page 5 of 14\n\n\x0cany billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month\xe2\x80\x99s\nrequired Minimum Payment Due by your next Payment Due Date.\nVariable Rate Information. The following applies to any APR on your Account that varies with the market based on the\nPrime Rate. The standard Annual Percentage Rates (APRs) on our Account that are used to determine the amount of\ninterest to be charged for Purchases, Balance Transfers, Cash Advances, and the Penalty APR are variable rates. The\nAPRs on your Account correspond to a daily periodic rate (\xe2\x80\x9cDPR\xe2\x80\x9d) or a monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) which is applicable\nonly to residents of Iowa at the time of Account opening. The applicable DPRs/MPRs on your Account equal 1/365th (or\n1/12th for residents of Iowa at the time of Account opening) of the sum of 1) the applicable Prime Rate, 2) plus the\nmargin(s) listed above for each Purchase, Balance Transfer, or Cash Advance balance or the margin listed above if a\nPenalty APR applies. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d used in determining the APRs in each billing cycle will be the highest rate\npublished in the Money Rates column of The Wall Street Journal on the last business day of each month. An increase or\ndecrease in the Prime Rate will cause a corresponding increase or decrease to your variable rates on the first day of the\nbilling cycle that begins in the same month in which the applicable Prime Rate is published. There is no limitation on the\namount of any increase. Any such increase or decrease will cause a corresponding increase or decrease in the amount of\ninterest assessed and possibly in the amount of the Minimum Payment Due. If The Wall Street Journal does not publish\nthe U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may substitute another index.\nAPR for Purchases: The variable rate equals the Prime Rate plus a margin from 9.74% to 21.74%, (this corresponds to a\ncurrent DPR of 0.02668% - 0.05956%) (this corresponds to a current MPR of 0.81167% - 1.81167% for residents of Iowa\nat the time of account opening (if applicable)).\nAPR for Balance Transfers: The variable rate equals the Prime Rate plus a margin from 9.74% to 21.74%, (this\ncorresponds to a current DPR of 0.02668% - 0.05956%) (this corresponds to a current MPR of 0.81167% - 1.81167% for\nresidents of Iowa at the time of account opening (if applicable)).\nAPR for Cash Advances: The variable rate equals the Prime Rate plus a margin of 21.99%, (this corresponds to a current\nDPR of 0.06025%) (this corresponds to a current MPR of 1.8325% for residents of Iowa at the time of account opening (if\napplicable)).\nHow the Penalty APR may apply to Your Account: The APR\xe2\x80\x99s on your Account may be increased each time you fail to\npay at least the Minimum Payment Due when it is due. We will determine the amount of the Penalty APR increase based\non our review of your credit history at the time (including your credit performance with other creditors). Our notice will\nspecify the balances to which the Penalty APR will be applied. The Penalty APR may continue to apply to these balances\nindefinitely. However, the Penalty APR will cease to apply to certain existing balances if, after the Penalty APR goes into\neffect, you make the next six consecutive minimum payments in a row when due.\nTransaction Fees. We may charge and you agree to pay each of the following transaction fees:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such Cash\nAdvance.\nIf you use your Card or Account to do a Balance Transfer, we will charge a Balance Transfer Fee for each such\nBalance Transfer.\nIf you use your Card or Account to purchase Cash Equivalents, we will charge a Cash Advance Fee (sometimes\nwe may refer to this as a Cash Equivalent Fee) for each such transaction.\nG16530 2.28.2021 Page 6 of 14\n\n\x0c\xe2\x80\xa2\n\nIf you use your Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such\ntransaction.\n\nBalance Transfer Checks and Cash Advance Checks are subject to the same Transaction Fee as Balance Transfers and\nCash Advances, respectively. The present amounts of those charges are stated in the Terms and Conditions, located\nunder Disclosures on www.farmbureau.bank\nAccount Fees. In addition to the fees listed in the Terms and Conditions, we may also assess the Account Fees listed\nbelow.\nAnnual Fee - If your account has an Annual Fee, generally it will be billed at account opening and every twelve months\nthereafter. The amount of the Annual Fee, if there is one on your Account, is listed in the Terms and Conditions.\nLate Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due by\nthe Payment Due Date shown on your monthly statement, we may charge you a Late Payment Fee. The amount of the\nLate Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the\namount of the applicable Minimum Payment Due. The amount of the Late Payment Fee is described in the Terms and\nConditions, (including residents of Iowa).\nReturned Payment Fee - If your bank does not honor a check or direct debit you deliver to us, or we must return a check\nbecause it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The amount of the\nReturned Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the\namount of the applicable Minimum Payment Due. The amount of the Returned Payment Fee is described in the Terms\nand Conditions (including residents of Iowa).\nReturned Check Fee - If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance\nCheck) unpaid because it exceeds your available Credit Limit at the time it is processed, your Account is closed or\notherwise does not have charge privileges, you did not comply with our instructions regarding the Check or your\nAccount is past due, we may charge you a Returned Check Fee. The amount of the Returned Check Fee will be\ndetermined in accordance with applicable law. Thus, the fee generally will not exceed the amount of the returned\nConvenience Check. The amount of the Returned Check Fee is described in the Terms and Conditions (including\nresidents of Iowa).\nCheck Stop Payment Fee \xe2\x80\x93 If we stop payment on a Convenience Check at your request, we may charge you a fee. The\nCheck Stop Payment Fee is described in the Terms and Conditions (including residents of Iowa).\nLegal Transactions Only. You shall reimburse, indemnify, and hold harmless MasterCard and us for any and all amounts,\nexpenses, or damages resulting from your alleged illegal use of the Account.\nForeign Currency Conversion for MasterCard Cards - We and MasterCard (or their affiliates) will convert transactions in\nforeign currencies into U.S. Dollars. MasterCard will use their currency conversion procedures that are current at the\ntime of the transaction. Currently, the currency conversion rate they use is either the wholesale market rate or the\ngovernment-mandated rate in effect under those procedures increased by one percent. The currency conversion rate\nused on the conversion date may differ from the rate in effect on the date you used your Card or Account.\nG16530 2.28.2021 Page 7 of 14\n\n\x0cAuthorized Users. You may allow Authorized Users to use your Account. If you allow an Authorized User to use your\nAccount, you will be liable for all transactions made by that person including transactions for which you may not have\nintended to be liable, even if the amount of those transactions causes your credit limit to be exceeded. You must notify\nus to revoke your permission to allow an Authorized User to use your Account or Card. Until you revoke your\npermission, you are responsible for all charges made by an Authorized User, including Balance Transfer Check and Cash\nAdvance Check transactions, regardless of whether you intended to be responsible for those charges. If you request\nadditional Cards for Authorized Users, checks accessing this Account may also be included with the Card.\nAdministrative Charges. If you request photocopies of monthly billing statements, you will be charged our reasonable\nfee, in effect at that time for each duplicate requested for each statement requested. If you request any special services\nsuch as obtaining Cards on an expedited basis and we can honor your request, we may charge your Account our\nExpedited Delivery Charges in effect at that time. We will advise you of the amount of the fee when you request the\nservice.\nDefault/Collection Costs. Unless otherwise prohibited by law, your Account will be in default and we may demand\nimmediate payment of the entire amount you owe us if: 1) in any month we do not receive your Minimum Payment Due\nby the Payment Due Date; 2) you make Purchases, initiate Balance Transfers, use a Check, or obtain Cash Advances in\nexcess of your Credit Limit; 3) you fail to comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die\nor become incapacitated; or 6) we believe in good faith that the payment or performance of your obligations under this\nAgreement is impaired for any other reason. As permitted by applicable law, you agree to pay all collection expenses\nactually incurred by us in the collection of amounts you owe under this Agreement (including court or arbitration costs\nand the fees of any collection agency to which we refer your Account) and, in the event we refer your Account after your\ndefault to an attorney who is not our regularly salaried employee, you agree to pay the reasonable fees of such\nattorney. We will not be obligated to honor any attempted use of your Account if a default has occurred or we have\ndetermined to terminate your Account or limit your Account privileges (as discussed below).\nTermination/We May Suspend or Close Your Account. We may suspend or close your Account or otherwise terminate\nyour right to use your Account without prior notice. We may do this at any time and for any reason, including but not\nlimited to, if there is a change to your creditworthiness or if your Account becomes inactive. You must destroy all Cards,\nChecks or other credit devices on the Account when we request. You agree that you will not try to make a Purchase, use\na Check, initiate a Balance Transfer or obtain a Cash Advance after you have been notified that your privilege to use your\nAccount has been closed or revoked. You may close your Account at any time. If you do, you must destroy all Cards and\nChecks previously issued on the Account. If you call us, we may require that you confirm your termination in writing.\nYour obligations under this Agreement continue even after the Account is closed.\nNotices to You. Billing statements and notices will be sent to the address shown in our files. If this is a joint Account, we\nmay send billing statements and notices to either of you. You promise to promptly inform us of any change in your email address or your U.S. mail address. You may update this information by visiting the website on the back of your Card\nand sending us an e-mail or telephoning us at the telephone number provided on your Card. We may in our discretion\naccept address corrections from the United States Postal Service.\nConsent to Receive Electronic Notices. You may receive periodic billing statements and other notices regarding your\nAccount electronically or by U.S. mail. By requesting statements and other notices electronically, which may only be\ndone on our website, and by providing any other legally required consents, you affirmatively consent to receive all\nperiodic billing statements and other notices electronically when legally permissible. Otherwise, statements and notices\nG16530 2.28.2021 Page 8 of 14\n\n\x0cwill be sent to the address shown in our files. If at any time you need a paper copy of statements or notices, or you\nchange your mind and prefer to receive all your statements and notices in paper rather than electronic form, telephone\nus at the number provided on the back of your card or visit us at the website on the back of your Card and send us an email. In order to access your statements and notices electronically, you must have a computer equipped with at least a\n40-bit JavaScript-enabled Netscape or Microsoft browser at the Version level 4.0 or higher. In order to retain your\nstatements and notices, you must have a printer attached to your computer that can print them out or a drive or other\nstorage device onto which you can download them. By accepting the receipt of electronic statements and other notices,\nyou confirm that you have the software and equipment that satisfies these requirements to enable you to access and\nretain your statements and notices electronically.\nSkip Payment Program and Other Special Terms. From time to time, we may let you skip or reduce one or more\nmonthly payments (interest will continue to accrue) or offer you other special features. If we do, we will advise you of\nthe scope and duration of the applicable skip or special feature. When the skip or special feature ends, your regular\nterms will resume.\nCredit Performance. Your Account was established based upon criteria which reflect your particular credit history. We\nwill from time to time review your credit performance. In addition to any other rights we have, if you do not maintain\nyour past level of credit performance, we may change some or all of the Account terms on your Account, and if we do\nwe will notify you as provided in this Agreement and in accordance with applicable law.\nCredit Information. You agree that we may request consumer credit reports from one or more credit reporting\nagencies in connection with your application and the administration of your Account. Upon your request, we will tell\nyou whether we obtained a consumer report and the names and addresses of any consumer reporting agencies that\nprovided such reports.\nFurnishing Information to Credit Reporting Agencies. You also authorize us to exchange credit information concerning\nyou or your Account with (and answer questions and requests from) others, such as merchants, other lenders and credit\nreporting agencies. If you believe that we have furnished any inaccurate information relating to your Account to any\nconsumer reporting agency, you may notify us at the following address: P.O. Box 33427, San Antonio, TX 78265-3427.\nTo help us respond to your notification, you must include your Account number, Social Security number, the name of\nthe consumer reporting agency reflecting the inaccurate information, and an explanation of why you believe the\ninformation is inaccurate. You understand that you may also contact the appropriate consumer reporting agency directly\nat the following address and toll-free number: Equifax, P.O. Box 740241, Atlanta, GA 30374, 1.800.685.1111; Trans\nUnion, P.O. Box 1000, Chester, PA 19022, 1.800.916.8800; or Experian, P.O. Box 2002, Allen, TX 75013, 1.888.397.3742.\nNEGATIVE CREDIT REPORTS\nYOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING YOUR CREDIT HISTORY WITH US MAY BE\nSUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. LATE\nPAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.\nCalls/Electronic Communications. In the regular course of our business, we may monitor and record phone\nconversations made or received by our employees or our agents. Similarly, we may monitor and record e-mail or\nconversations on our website between you and our employees or agents. You agree that we will have such right with\nrespect to all phone conversations, e-mail or conversations between you and our employees or agents, whether\ninitiated by you or any of our employees or agents. We may contact you by telephone in connection with the Account,\nG16530 2.28.2021 Page 9 of 14\n\n\x0cdirectly or through an agent \xe2\x80\x93 for example, to collect amounts owed on the Account, to notify you of potential\nfraudulent transactions on your account or for other account-servicing purposes. If at any time you provide a mobile\ntelephone number at which you may be contacted, you consent to receive calls (including autodialed calls and\nprerecorded messages) at that mobile number from us, our successors and assigns, and our affiliates, agents and\nindependent contractors, including servicers and collection agents, regarding the Account or your related financial\nobligations.\nYou consent and further agree that: (1) these telephone calls, from us or on our behalf, may be made: (a) to the\ntelephone number(s) that you provided on the Account application, (b) to any other telephone number(s) that you later\nprovide to us, and/or (c) to any telephone number(s) that we are permitted by law to use to contact you; (2) these calls\nmay be sent using automatic dialing equipment and/or include prerecorded messages; (3) other communications,\nincluding mobile text messages, may be sent to the same telephone number(s) (technology permitting); (4) you may be\ncharged by your service provider for these calls in accordance with your service plan between you and your current\ntelephone provider; (5) these calls and/or messages are not \xe2\x80\x9cunsolicited\xe2\x80\x9d calls for purposes of applicable law; and (6)\nexcept to the extent prohibited by applicable law, other communications, including, but not limited to, fax, Internet, U.S.\nmail, and non-mobile email messages, may be sent to you.\nRefusal to Honor Card. We are not responsible for refusals to honor your Card or Checks. Except as otherwise required\nby applicable law or regulation, we will not be responsible for merchandise or services purchased or leased through use\nof your Account.\nIrregular Payments and Delay in Enforcement. We can accept late payments, partial payments, checks and money\norders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the same effect without losing any of our rights under this Agreement.\nWe can also delay enforcing our rights under this Agreement any number of times without losing them. The fact that we\nmay at any time honor a Purchase, Check, Balance Transfer or Cash Advance in excess of your maximum Credit Limit\ndoes not obligate us to do so again.\nPayments Made on Your Account. If you make a payment on this Account utilizing a check, you authorize us either to\nuse the information from your check to make a one-time electronic fund transfer from your checking/deposit account or\nto process the payment as a check transaction. When we use information from your check to make an electronic fund\ntransfer, funds may be withdrawn from your bank account as soon as the same day you make your payment, and you\nwill not receive your check back from your financial institution. For inquiries, or to opt out of one-time electronic fund\ntransfers, please call the number listed on the back of your Card.\nPayments that are Returned on Your Account. If a payment you make is not honored by your bank and we have\nalready credited your account for the payment, we will reverse the credit in the following manner. We separately total\nthe amounts credited to Purchases, Cash Advances, and Balance Transfers. For each such amount we create a new\ntransaction at the then current applicable rate for Purchases, Cash Advances, and Balance Transfers, respectively, and\nadd that transaction to your account as of the date the original payment was first credited to your Accounts.\nPayment Allocation. Subject to any mandatory provisions of applicable law, in most instances, we will allocate any\namount over your minimum payment to the highest APR balances first. Payments up to the minimum payment will be\napplied at our discretion, including to lower APR balances first.\n\nG16530 2.28.2021 Page 10 of 14\n\n\x0cLiability for Unauthorized Use of Your Account. If your Card or any Check(s) are lost or stolen or if you have reason to\nthink someone may use your Account without your permission, you must notify us at once. Please telephone us at the\nnumber on the back of your Card concerning the loss or theft of your Card or Checks or the possible unauthorized use of\nyour Account. Do not use the Card, Account number or any Checks after they have been reported lost or stolen, even if\nthey are found or returned. You will not be liable for unauthorized use of the Account; however, you must identify for us\nthe charges that were not made by you or someone authorized by you and through which you received no benefit. We\nmay require you to provide us with certain information and to comply with our investigation procedures. We may\nterminate or limit access to your Account if you have notified us or we have determined that your Card or Checks may\nhave been lost or stolen, or that there may be unauthorized access to your Account.\nInquiries or Questions: You may address any inquiries or questions which you have about your Account to Farm Bureau\nBank, FSB, by visiting the website on the back of your Card and sending us an e-mail, writing us at Farm Bureau Bank,\nFSB, P.O. Box 33427, San Antonio, Texas 78265-3427, or calling us at the number on the back of your Card. If you\ntelephone or email us instead of writing, you may lose certain rights the law gives you to dispute billing errors.\nARBITRATION. At the election of either you or us, any claim, dispute or controversy (\xe2\x80\x9cClaim\xe2\x80\x9d) by either you or us against\nthe other, arising from or relating in any way to this Agreement or your Account, or their establishment, or any\ntransaction or activity on your Account, including (without limitation) Claims based on contract, tort (including\nintentional torts), fraud, agency, negligence, statutory or regulatory provisions or any other source of law and (except as\notherwise specifically provided in this Agreement) Claims regarding the applicability of this arbitration provision or the\nvalidity of the entire Agreement, shall be resolved exclusively by arbitration. For purposes of this provision, \xe2\x80\x9cyou\xe2\x80\x9d\nincludes yourself, any authorized user on the Account, and any of your agents, beneficiaries or assigns, or anyone acting\non behalf of the foregoing, and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes our employees, parents, subsidiaries, affiliates, beneficiaries,\nagents and assigns, and to the extent included in a proceeding in which Farm Bureau Bank, FSB, is a party, its service\nproviders and marketing partners. Any Claims sought to be made or remedies sought to be obtained as part of any class\naction, private attorney general or other representative action (hereafter all included in the term \xe2\x80\x9cclass action\xe2\x80\x9d) shall be\nsubject to arbitration, and arbitrated on an individual basis between you and us, not on a class or representative or\nother collective basis. The arbitrator shall not have any authority to entertain a claim, or to award any relief, on behalf of\nor against anyone other than a named party to the arbitration proceeding. If any Claim is advanced in a court, arbitration\nmay be elected under this provision instead, and the right to elect arbitration shall not be deemed to have been waived\nif the election is made at any time before commencement of trial.\nAlternatively, you and we may pursue a Claim within the jurisdiction of the Justice of the Peace Court in Nevada, or the\nequivalent court in your home jurisdiction, provided that the action remains in that court, is made on behalf of or\nagainst you only and is not made part of a class action, private attorney general action or other representative or\ncollective action.\nThe arbitration shall be administered by the American Arbitration Association, www.adr.org, 950 Warren Avenue, East\nProvidence, Rhode Island, 02914, 1.866.293.4053 (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). The Administrator provides information about\narbitration, its arbitration rules and procedures, fee schedule and claims forms at its web site or by mail as set forth\nabove. The Administrator will apply the rules and procedures in effect and applicable to the claim at the time the\narbitration is filed. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated with any\nother arbitration proceedings. The Administrator shall resolve each dispute in accordance with applicable law.\n\nG16530 2.28.2021 Page 11 of 14\n\n\x0cIf you commence arbitration, you must provide us the notice required by the Administrator\xe2\x80\x99s rules and procedures. The\nnotice may be sent to our Operations Center at Farm Bureau Bank, FSB, PO Box 33427, San Antonio, Texas 78265-3427.\nIf we commence arbitration, we will provide you notice at your last known billing address. We agree to honor a request\nby you to remove the action to a Small Claims Court, provided that we receive the request within thirty days of the\nnotice of commencement of arbitration. Any arbitration hearing at which you appear will take place at a location within\nthe federal judicial district that includes your billing address at the time the Claim is filed.\nThis arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by\nthe Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16. No class actions, joinder or consolidation of any Claim with a Claim of any\nother person or entity shall be allowable in arbitration, without the written consent of both you and us. In the event that\nthere is a dispute about whether limiting arbitration of the parties\xe2\x80\x99 dispute to non-class proceedings is enforceable\nunder applicable law, then that question shall be resolved by litigation in a court rather than by the arbitrator; and to\nthe extent it is determined that resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of\ncompetent jurisdiction rather than in arbitration.\nA party can file with the Administrator a written appeal of a single arbitrator\xe2\x80\x99s award within 30 days of award issuance,\nrequesting a new arbitration in front of three neutral arbitrators designated by the Administrator. The panel will\nreconsider all factual and legal issues, following the same rules of procedure, and will make decisions based on majority\nvote. Any final arbitration award will be binding on the named parties and enforceable by any court having jurisdiction.\nJudgment upon any arbitration award may be entered in any court having jurisdiction.\nWe will pay, or reimburse you for, all fees or costs to the extent required by law or the rules of the arbitration\nAdministrator. Whether or not required by law or such rules, if you prevail at arbitration on any Claim against us, we\nwill reimburse you for any fees paid to the Administrator in connection with the arbitration proceedings. Under no\ncircumstances will we seek from you payment or reimbursement of any fees that we incur in connection with\narbitration. In addition, in any arbitration that you elect to file that could be heard in Small Claims Court in your\njurisdiction, we will pay the filing fees and other arbitration fees above the cost of filing in that Small Claims Court. If you\nare required to advance any fees or costs to the arbitration Administrator, but you ask us to do so in your stead, we will\nconsider and respond to your request.\nThis arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the\ntermination of the Cardholder Agreement and the Account relationship, including your payment in full, and your filing of\nbankruptcy. Nothing in this Agreement shall be construed to prevent any party\xe2\x80\x99s use of (or advancement of any claims,\ndefenses, or offsets in) bankruptcy or repossession, replevin, judicial foreclosure or any other prejudgment or\nprovisional remedy relating to any collateral, security or property interests for contractual debts now or hereafter owed\nby either party to the other under this Agreement.\nARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE\nTHAT CLAIM THROUGH A COURT. IN ARBITRATION YOU AND WE WILL NOT HAVE THE RIGHTS THAT ARE PROVIDED IN\nCOURT INCLUDING THE RIGHT TO A TRIAL BY JUDGE OR JURY AND THE RIGHT TO PARTICIPATE OR BE REPRESENTED\nIN PROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS ACTIONS OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT\nTO DISCOVERY AND THE RIGHT TO APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF THESE\nRIGHTS ARE WAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.\n\nG16530 2.28.2021 Page 12 of 14\n\n\x0cYour Billing Rights: Keep this Document for Future Use.\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do if You Find a Mistake on Your Statement.\nIf you think there is a mistake on your statement, write to us at:\nFarm Bureau Bank\nPO Box 33427\nSan Antonio, TX 78265\nYou may also contact us on the Web:\nwww.farmbureau.bank\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\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, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required\nto investigate any potential errors and you may 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:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill 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 delinquent on that account.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply an 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 or any interest or other fees related to\nthat amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe.\nG16530 2.28.2021 Page 13 of 14\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us.\nIf we do not follow all the rules above, you do not have to pay the first $50 of the amount you question even if your bill\nis 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 with your credit card and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if we own the company that sold you the goods or\nservices.\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:\nFarm Bureau Bank\nPO Box 33427\nSan Antonio, TX 78265\nwww.farmbureau.bank\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\nG16530 2.28.2021 Page 14 of 14\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Credit Union of America with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 6\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at Credit Union of\nAmerica - Cardholder Services, PO Box 31112, Tampa, FL, 33631 or call Us toll-free at 866-820-5887, seven days a\nweek 24 hours a day. You may also contact Us on the Web: www.cuofamerica.com.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 6\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nKansas.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\nPage 4 of 6\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0c33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair 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 the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may 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:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when 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 $50 of the amount You question even if Your bill\nis 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 with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. 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 purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n01500020-MXC30-P-1-052418 (MXC303-E)\n\n\x0c'