b'VISA CREDIT CARD AGREEMENT\nIn this Agreement the words "you" and "your" mean each and all of those who agree to be\nbound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals,\nor substitutions the Credit Union issues to you; "Account" means your VISA credit card line\nof credit account with the Credit Union, and "Credit Union" means the Credit Union whose\nname appears on this Agreement or anyone to whom the Credit Union transfers this\nAgreement.\n1. Using Your Account. If you are approved for an Account, the Credit Union will establish\na line of credit for you and notify you of your credit limit. You agree that your credit limit is\nthe maximum amount (purchases, cash advances, finance charges, plus "other charges")\nthat you will have outstanding on your Account at any time. If you are over your credit limit,\nyou must pay the amount you are over before payments will begin to restore your credit\nlimit. You may request an increase in your credit limit only by a method acceptable to the\nCredit Union. The Credit Union has the right to reduce your credit limit, refuse to make an\nadvance and/or terminate your Account at any time for any reason not prohibited by law.\n2. Using Your Card. You may use your Card to make purchases from merchants and\nothers who accept VISA Cards. However, you may not use your Card to initiate any type of\nelectronic gambling transaction through the Internet. A VISA card may not be used for any\nillegal transaction(s). Consult your legal counsel to determine the legality of specific online\ngambling transactions. If you wish to pay for goods or services over the Internet, you may\nbe required to provide card member security information before you will be permitted to\ncomplete the transaction. In addition, you may obtain cash advances from the Credit Union\nand from other financial institutions that accept VISA Cards, and from some automated teller\nmachines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an\nATM, you must use the Personal Identification Number (PIN) that is issued to you for use\nwith your Card.\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your\nAccount that are made by you or anyone whom you authorize to use your Account. You also\nagree to pay all finance charges and other charges added to your Account under the terms\nof this Agreement or another agreement you made with the Credit Union. If this is a joint\nAccount, Section 17 below also applies to your Account.\n4. Finance Charges. FINANCE CHARGES on your Account are calculated by applying the\napplicable monthly Periodic Rate to the average daily balances for Purchases and Cash\nAdvances. Separate average daily balances are calculated for Purchases and Cash\nAdvances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE\nfor Purchases, Balance Transfers and Cash Advances are as set forth in the Account\nOpening Disclosure provided to you at the time of the delivery of this Agreement, the terms\nof which are incorporated herein by reference.\nTo get each average daily balance, the daily balances for Purchases and Cash Advances\nfor the billing cycle are added and the totals are divided by the number of days in the cycle.\nTo get the daily balance for Cash Advances, new Cash Advances are added to the day\'s\nbeginning balance and payments, credits and any unpaid interest or other finance charges\nare subtracted. To get the daily balance for Purchases, new Purchases are added to the\nday\'s beginning balance and payments, credits and any unpaid interest or other finance\ncharges are subtracted; however, new Purchases are not added if you paid the entire New\nBalance for Purchases on your last statement by the end of the grace period or if you did\nnot have a Purchase balance on your last statement.\nCash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance\nwith the following method: A Finance charge will be imposed on Cash Advances from the\ndate made or from the first day in which the Cash Advance is posted to your account,\nwhichever is later, and will continue to accrue on the average daily balance of such Cash\nAdvances until the balance is paid in full. There is no grace period on Cash Advances.\n\nPurchases -The FINANCE CHARGE on Purchases is calculated in accordance with the\nfollowing method: A FINANCE CHARGE will be imposed on Purchases only if you elect not\nto pay the entire New Balance shown on your monthly statement for the previous billing\ncycle within twenty five (25) days from the closing date of that statement.\nIf you elect to pay less than the entire New Balance shown on your previous monthly\nstatement within that twenty five (25) day period, a Finance Charge will be imposed on the\naverage daily balance of such Purchases from the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the billing cycle preceding the date on which\nthe entire New Balance is paid in full or until the date of payment if more than twenty five\n(25) days from the closing date.\nBalance Transfers \xe2\x80\x93 Balance transfers, as permitted by Credit Union from time to time in\nCredit Union\xe2\x80\x99s sole discretion, will be treated as Cash Advances for the purpose of all\nFINANCE CHARGES.\n5. Other Charges. The following other charges (fees) will be added to your Account, as\napplicable:\na. Over-the-Credit-Limit Fee: An over-the-limit fee will not be imposed. In the event\nyou incur charges in amounts which shall cause the account indebtedness to exceed\nthe authorized credit limit by 1%, you shall pay immediately the amount by which the\ntotal New Balance exceeds such maximum authorized credit.\nb. Late Payment Fee: If a payment of at least the amount of the minimum required\npayment is not received within five (5) days of the Due Date or cycle whichever\ncomes first, a late charge in the amount of $25.00 shall be imposed. In no event will\nyour Late Payment Fee exceed the amount of your minimum payment due.\nc. Return Check /Return Pre-Authorized Payments Fee: If you make any payment on\nyour Account with a check or draft or through a pre-authorized payment, and that\ncheck, draft or pre-authorized payment is returned to the Credit Union unpaid for any\nreason, your Account will be charged a fee equal to the lesser of $25 or the required\nminimum payment. In no event will your Return Check/Return Pre-Authorized\nPayments Fee exceed the amount of your minimum payment due immediately prior\nto the date on which the payment was returned.\nd. Card Replacement Fee: In the event any additional or replacement cards are issued\nfor any reason other than the issuance of a renewal card, a fee in the amount of\n$5.00 may be imposed.\ne. Collection Costs: Cardholder agrees to pay all costs incurred by issuer in collecting\ncardholder\xe2\x80\x99s indebtedness or in enforcing this Agreement, including attorneys\xe2\x80\x99 fees\nand costs, as well as those costs, expenses and attorneys\xe2\x80\x99 fees incurred in appellate,\nbankruptcy, and post-judgment proceedings, except to the extent such costs, fees, or\nexpenses are prohibited by law.\nf. Balance Consolidation/Convenience Check Stop Payment Fee: $25.00.\ng. Rush Mail Fee: (Priority Handling) $25.00.\nh. Cash Advance Transaction Fee: A cash advance transaction fee will not be\nimposed.\n6. Payments. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than twenty-five (25) days from\nthe statement closing date, whichever is later. If your statement says the payment is "Now\nDue," your payment is due no later than twenty-five (25) days from the statement closing\ndate. You may pay more frequently, pay more than the minimum payment or pay the Total\nNew Balance in full. If you make extra or larger payments, you are still required to make at\nleast the minimum payment each month your Account has a balance (other than a credit\nbalance). The minimum payment is 2% of your Total New Balance, or $10.00, whichever is\ngreater, plus the amount of any prior minimum payments that you have not made, and any\namount you are over your credit limit. The Credit Union also has the right to demand\nimmediate payment of any amount by which you are over your credit limit.\n\n\x0c7. Payment Allocation. Subject to applicable law, your payments may be applied to what\nyou owe the Credit Union in any manner the Credit Union chooses.\n8. Security Interest You grant the Credit Union a security interest under the Uniform\nCommercial Code and under any common law rights the Credit Union may have in any\ngoods You purchase. If You give the Credit Union a specific pledge of shares by signing a\nseparate pledge of shares, Your pledged shares will secure Your Account. You may not\nwithdraw amounts that have been specifically pledged to secure Your Account until the\nCredit Union agrees to release all or part of the pledged amount. YOU GRANT US A\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT SHARE AND/OR DEPOSIT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE YOUR\nCREDIT CARD ACCOUNT. SHARES AND DEPOSITS IN AN IRA OR ANY OTHER\nACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR\nFEDERAL LAW IF GIVEN AS SECURITY ARE NOT SUBJECT TO THE SECURITY\nINTEREST YOU HAVE GIVEN IN YOUR SHARES AND DEPOSITS. YOU MAY\nWITHDRAW THESE OTHER SHARES UNLESS YOU ARE IN DEFAULT. WHEN YOU\nARE IN DEFAULT, YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE\nACCOUNTS TO ANY AMOUNTS DUE. FOR EXAMPLE, IF YOU HAVE AN UNPAID\nCREDIT CARD BALANCE, YOU AGREE WE MAY USE FUNDS IN YOUR ACCOUNT(S)\nTO PAY ANY OR ALL OF THE UNPAID BALANCE. YOU ACKNOWLEDGE AND AGREE\nTHAT YOUR PLEDGE DOES NOT APPLY DURING ANY PERIODS WHEN YOU ARE A\nCOVERED BORROWER UNDER THE MILITARY LENDING ACT. FOR CLARITY, YOU\nWILL NOT BE DEEMED A COVERED BORROWER, AND YOUR PLEDGE WILL APPLY,\nIF: (I) YOU ESTABLISHED YOUR CREDIT CARD ACCOUNT WHEN YOU WERE NOT A\nCOVERED BORROWER; OR (II) YOU CEASE TO BE A COVERED BORROWER. Unless\notherwise prohibited by federal and/or state law, collateral securing other loans You have\nwith the Credit Union may also secure this loan, except that a dwelling will never be\nconsidered as security for this Account, notwithstanding anything to the contrary in any\nother Agreement\n9. Default. You will be in default if you fail to make any minimum payment or other required\npayment by the date that it is due. You will be in default if you break any promise you make\nunder this Agreement. You will be in default if you die, file for bankruptcy or become\ninsolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit\nupdate. You will also be in default if something happens that the Credit Union believes may\nsubstantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of\nyour full Account balance without giving you notice. If immediate payment is demanded, you\nagree to continue paying finance charges, at the periodic rate charged before default, until\nwhat you owe has been paid, and any shares that were given as security for your Account\nmay be applied towards what you owe.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or\nany credit card issued under this Agreement, the suit shall only be brought in the courts of\nthe state of Florida.\n10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us\nimmediately, orally or in writing at P.O. Box 11904, Tampa, FL 33680 or telephone (800)\n645-7728 twenty four (24) hours a day, seven (7) days a week, of the loss, theft, or\nunauthorized use of your Credit Card. You may be liable for the unauthorized use of your\nCredit Card. You will not be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. You will have no liability for unauthorized\npurchases made with your credit card, unless you are grossly negligent in the handling of\nyour card. In any case, your liability will not exceed $50.\n11. Changing or Terminating Your Account. The Credit Union may change the terms of\nthis Agreement from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply\nto your existing Account balance as well as to future transactions.\n\n12. Credit Information. You authorize the Credit Union to investigate your credit standing\nwhen opening or reviewing your Account. You authorize the Credit Union to disclose\ninformation regarding your Account to credit bureaus and creditors who inquire about your\ncredit standing. If your account is eligible for emergency cash and/or emergency card\nreplacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the\nrequested services(s).\n13. Merchant Disputes: Returns and Adjustments. The Credit Union is not responsible\nfor the refusal of any merchant or financial institution to honor your Card. Merchants and\nothers who honor your Card may give credit for returns or adjustments, and they will do so\nby sending the Credit Union a credit slip which will be posted to your Account. If your credits\nand payments exceed what you owe the Credit Union, the amount will be applied against\nfuture purchases and cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written request or automatically after three (3) months.\n14. Additional Benefits/Card Enhancements. The Credit Union may from time to time\noffer additional services to your Account, such as travel accident insurance, at no additional\ncost to you. You understand that the Credit Union is not obligated to offer such services and\nmay withdraw or change them at any time.\n15. Foreign Transactions. Transactions initiated in foreign countries and/or foreign\ncurrencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will\nbe (a) a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa\nitself receives, or (b) the government-mandated rate in effect for the applicable central\nprocessing date, in each of the above instances. The conversion rate used on the date the\nforeign transaction is processed may differ from the rate that would have been used on the\ndate of the purchase and/or the transaction posting date.\n16. Severability. In the event that any paragraph of this Agreement or portion thereof is\nheld by a court to be invalid or unenforceable for any reason, the other paragraphs and\nportions of the Agreement shall not be invalid or unenforceable and will continue in full force\nand effect.\n17. Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal\nlaws and regulations, and the laws and regulations of the State of Florida, as amended from\ntime to time.\n18. Dispute Resolution. Any disputes regarding this Agreement shall be within the\njurisdiction of the court of the county in which the Credit Union\xe2\x80\x99s principal place of doing\nbusiness is located. If legal action is necessary to enforce this Agreement or collect any\namounts owing to the Credit Union or fees or charges assessed under this Agreement, the\nCredit Union has the right, subject to applicable law, to payment by you of all attorney\xe2\x80\x99s fees\nand costs, including fees on any appeal and any post-judgment actions. You agree that\nsuch legal action may be filed and heard in the county and state in which the Credit Union\xe2\x80\x99s\nprincipal place of doing business is located, if allowed by applicable law.\n19. Joint Accounts. If this is a joint Account, each person on the Account must sign the\nAgreement (by signing on the application). Each of you will be individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means that the Credit\nUnion can require any one of you individually to repay the entire amount owed under this\nAgreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the Account and the termination will be effective\nas to all of you.\n20. Effect of Agreement. This Agreement is the contract which applies to all transactions\non your Account even though the sales, cash advances, credit or other slips you sign or\nreceive may contain different terms.\n21. No Waiver. The Credit Union can delay enforcing any of its rights any number of times\nwithout losing them.\n\nEither you or the Credit Union may terminate this Agreement at any time, but termination by\nyou or the Credit Union will not affect your obligation to pay the Account balance plus any\nfinance and other charges you owe under this Agreement. You are also responsible for all\ntransactions made to your Account after termination, unless the transactions were\nunauthorized.\n\n22. Statements and Notices. Statements and notices will be mailed to you at the most\nrecent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n\nThe Card or Cards you receive remain the property of the Credit Union and you must\nrecover and surrender to the Credit Union all Cards upon request or upon termination of this\nAgreement whether by you or the Credit Union. If and to the extent permitted by applicable\nlaw, the Credit Union has the right to require you to pay your full Account balance at any\ntime after your Account is terminated, whether it is terminated by you or the Credit Union. If\nthis is a joint Account, Section 17 of this Agreement also applies to termination of the\naccount.\n\n24. Copy Received. You acknowledge that you have received a copy of this Agreement.\n\n23. Final Expression. This Agreement is the final expression of the terms and conditions of\nthis VISA line of credit between you and the Credit Union. This written Agreement may not\nbe contradicted by evidence of any alleged oral agreement.\n\nRevised\n07/13/2020\n\n\x0c'


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 March 31, 2020 and has been supplemented with pricing information included in the\ndocument(s) titled \xe2\x80\x9cTerm & Conditions\xe2\x80\x9d These documents are provided to you for informational purposes only. These\naccount terms may not be available after the above date. If you apply and are approved for a credit card account with\nus, your actual account terms will be based on the terms of the offer available at the time that you applied and your\nCardholder Agreement will be the agreement sent to you when your account is first 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 sign\nthe 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 with your\nAccount 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 the\nmeaning as used in your monthly statement.\n\xe2\x80\x9cAgreement\xe2\x80\x9d means this document, the Terms & Conditions and any changes we make to these documents from time to\ntime.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account including without limitation through a Card, Check, the\naccount 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 request,\nand includes 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 stored\nvalue card at a location or through a merchant other than a financial institution and any other transaction that MasterCard,\nVisa 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 Transfer\nas applicable on your Account. A Check can be either a Balance Transfer Check or a Cash Advance Check and will be\ndesignated 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. DPRs are used to calculate your interest for all\ncardholders that are not residents of Iowa when your Account is opened.\n\xe2\x80\x9cForeign Transaction\xe2\x80\x9d means the use of your Card or Account (other than through a Cash Advance) for a transaction with a\nbusiness or entity located outside of the United States or for a transaction in a currency other than U.S. dollars. Foreign\nG15809 3.31.2020 Page 1 of 15\n\n\x0cTransactions and the Transaction Fees associated with any Foreign Transaction are considered Purchases for interest\ncalculation purposes.\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cMPR\xe2\x80\x9d means applicable APR divided by 12. MPRs are used to calculate your interest charges if\nyou are a resident of Iowa when your account is opened.\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 that\nis not otherwise a Balance Transfer or a Cash Advance. Purchases include Foreign Transactions, Account Fees and any\nadjustments 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.\n\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 of\nthe fees on this Account (except as otherwise provided herein) will apply unless you use the Account. If your Account has an\nAnnual Fee (see the Terms & Conditions to determine if this Account has an Annual Fee) and provided that you have not\notherwise used the Account to make a Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you may close\nthe Account within thirty days after Account opening by contacting us at the number on the back of your Card, and if you\ndo, you will not be responsible for paying the Annual Fee. By signing, keeping, using or otherwise accepting your Card or\nAccount, you agree to the terms and conditions of this Agreement. You may obtain credit in the form of Purchases, Balance\nTransfers and Cash Advances by using your Card, your account number, Checks, or other credit devices. You agree that we\nmay credit your Account rather than issue cash refunds when you reverse transactions that were originally charged to your\nAccount. You agree that you will not use your Card or Account in connection with any transaction that is prohibited or\nunenforceable and that if you do engage in such a transaction you waive any claim that the charge is uncollectible on the\ngrounds the transaction was prohibited or unenforceable. The Card must be returned to us upon request. We may replace\nyour Card with another Card at any time.\nSeverability. If any provision of this Agreement is, or becomes, illegal, invalid or unenforceable under any applicable statute\nor rule of law, that shall not affect the validity or enforceability of any other provision and this Agreement shall be\nconstrued and enforced as if the Agreement did not contain that particular provision to the extent of its invalidity or\nunenforceability.\nObligations on Your Account. You authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks,\nand Cash Advances made or obtained by you or anyone you authorize to use your Card or Account. You agree to pay us for\nall of these Purchases, Balance Transfers, Checks, and Cash Advances, plus any interest assessed on your Account and any\nother charges and fees which you may owe under the terms of this Agreement, whether resulting from 1) physical use of\nyour Card or a Check, 2) mail order or telephone, computer or other electronic transaction made without presenting the\nCard, or 3) any other circumstances where you authorize a charge, or authorize someone else to make a charge, to your\nAccount. Each person who has agreed to be responsible on the Account is responsible to pay the full amount owed on the\nAccount. If this is a joint Account, we can send statements and notices to either of you. We may require that you pay the\nfull amount owed without first asking any other person(s) to pay. Instructions for making payments are on your monthly\nbilling statement. Payments that comply with the requirements specified on or with your monthly billing statement,\nincluding the time of receipt, will be credited as of the business day they are received. Payments must be mailed to the\nG15809 3.31.2020 Page 2 of 15\n\n\x0ccorrect P.O. Box or to the street address specified for U.S. Priority Mail and overnight payments. There may be a delay of\nup to five (5) days in crediting payments that are not made in accordance with those instructions. Please allow at least\nseven (7) days for the U.S. Postal Service to deliver your payment. All payments must be made in U.S. dollars. Any\npayment made by check or other negotiable instrument or direct debit must be drawn on a U.S. bank or a U.S. branch of a\nforeign bank. We reserve the right to accept payments made in a foreign currency. If we do, we will select the foreign\ncurrency rate at our discretion. Your available credit may not be immediately increased by the amount of the payment for\nup to seven (7) days to ensure we collect the funds from the bank on which your payment is drawn. If you overpay or if\nthere is a credit balance on your Account, we will not pay interest on such amounts.\nCredit Limit/Authorized Usage. Your Credit Limit is shown on the folder 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 first\nmonth after your Account is opened) you engage in account actions or activity that we perceive could have a negative\nimpact on your credit standing with us, we may decrease your Credit Limit or close your Account. Your latest Credit Limit\nwill appear on your monthly billing statement. You agree not to make a Purchase, authorize a Balance Transfer, use a\nCheck, or obtain a Cash Advance that would cause the unpaid balance of your Account to exceed your Credit Limit. We\nmay honor Purchases, Balance Transfers, Checks and/or Cash Advances in excess of your Credit Limit at our sole\ndiscretion. If we do, this Agreement applies to that excess and you agree to pay the excess immediately if we request\nthat you do so. You agree that we may change your Credit Limit or close your Account at any time for any reason without\naffecting your obligation to pay amounts that you owe under this Agreement. We will notify you of any change, but that\nchange many take effect before you receive the notice. We may designate that only a portion of your Credit Limit is\navailable for Cash Advances. If we do and you exceed your Cash Advance Credit Limit, you will be considered to have\nexceeded your Credit Limit for all purposes of this Agreement. We may limit the authorizations to make Purchase,\nBalance Transfer, Check, or Cash Advance transactions that may be accomplished with your Card or Account. We may in\nour sole discretion allow you to exceed your Credit Limit at any time, but we are not required to. In addition, if we do allow\nyou to exceed your Credit Limit for any transaction or transactions, we will not be required to allow you to do so on another\noccasion. These charges will be evaluated based on account performance, other credit accounts with us, and your\nexperience with other creditors. If we authorize these charges, you must pay, with your Minimum Payment Due, the\namount by which your balance exceeds your revolving Credit Limit, including amounts due to Purchases, Cash Advances,\nInterest 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 Advance\nChecks,\xe2\x80\x9d which can be used to access your Credit Limit. Each Check will contain your Account number and may be used only\nby the person(s) whose name(s) is/are printed on it. Each must be completed and signed in the same manner as a regular\npersonal check. If we provide Checks to you, you may not use them to pay any amount you owe under this Agreement or\nunder any other account you may have with us. Balance Transfer Checks and Cash Advance Checks are subject to the same\nrate and other terms under this Agreement as Balance Transfers and Cash Advances, respectively. Unless otherwise\nindicated, all references in this Agreement to Balance Transfers include Balance Transfer Checks, all references to Cash\nAdvances include Cash Advance Checks, and all references to use of the Account include use of these Checks. At our sole\ndiscretion we may elect to not honor a Check if there has been a change in your credit worthiness, your Account is not in\ngood standing or if the Check may cause your Account to exceed the Cash Advance or other applicable Credit Limit on your\nAccount. At our sole discretion we may elect to honor a Check after its expiration date. Unlike purchase transactions, there\nare no charge back rights with regard to Balance Transfer and Check transactions.\n\nG15809 3.31.2020 Page 3 of 15\n\n\x0cMonthly Billing Statements. At the end of each monthly billing cycle a statement will be mailed or delivered to you if your\nAccount has a debit or credit balance of more than $1.00 or if interest or a fee has been imposed. We will not send a\nmonthly 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.\nThe provisions describing how we calculate your balance subject to interest rate each month, accrual of interest and how to\navoid paying interest on purchases may vary based on the account type that the applicant applied for and whether the\napplicant is a resident of Iowa. The following two options contain the various provisions that could apply, and one of these\noptions will be reflected in the Cardholder Agreement assigned at account opening:\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 balances.\nYour monthly billing statement shows each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d.\nTo calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance,\nfor that Balance Subject to Interest Rate, as of the end of the previous day. We add any interest calculated on the previous\nday\xe2\x80\x99s balance. (This means interest is compounded daily). We add any new Purchases, Balance Transfers, or Cash Advances\nto the appropriate balance, 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 day\nin the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to get the\ntotal 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 transaction\ndate which generally will be the day the payee accepts the Check. For Cash Advances, interest will accrue from the\ntransaction date which generally will be the day you take the Cash Advance. If you are charged interest in a billing cycle, we\nwill charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest charge in that billing\ncycle is less than the amount of the Minimum Interest Charge.\nOPTION 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 Purchases,\nfor Balance Transfers, and for Cash Advances. We apply the applicable Monthly Periodic Rate to the average daily balances\nof i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The average daily balances for Purchases, for Balance\nTransfers, and for Cash Advances are calculated separately and determined as follows: We take the beginning balances for\neach balance category on your Account each day, add to the respective balances any new transactions and any fees that\nyou have incurred and that have not already been added to your balance, and then subtract any payments or credits and\nmake any other applicable adjustment(s). A credit balance is treated as a balance of zero. Then we take the sum of all daily\nbalances and divide by the number of days in the billing period to determine the average daily balance. If you multiply the\n\xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d for each balance category as disclosed on your monthly billing statement by the\napplicable MPRs, the results will be the interest assessed, except for minor variations caused by rounding. We may from\nG15809 3.31.2020 Page 4 of 15\n\n\x0ctime 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 on your Account, we will\nseparately identify the balances to which such offers apply on your monthly billing statement. These separate balances and\nthe related interest will be calculated in the same manner as described above.\nAccrual of Interest and How to Avoid Paying Interest on Purchases.\nOn Purchases, interest begins to accrue as of the transaction date. However, you may avoid paying interest on Purchases in\nany given billing cycle if you pay your Statement Balance in full by the Payment Due Date each month. For Balance\nTransfers, interest will accrue from the transaction date which generally will be the day we send the Balance Transfer to the\npayee. For Checks, interest will accrue from the transaction date which generally will be the day the payee accepts the\nCheck. For Cash Advances, interest will accrue from the transaction date which generally will be the day you take the Cash\nAdvance. If you are charged interest in a billing cycle, we will charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on\nyour Account if the total interest charge in that billing cycle is less than the amount of the Minimum Interest Charge that is\ndisclosed in the terms of your Account.\nYour Minimum Payment Each Month. Each billing cycle, you must pay at least the Minimum Payment Due shown on your\nmonthly statement by its Payment Due Date. We will calculate it as follows:\n1. If the New Balance (defined below) is less than $20, the Minimum Payment Due equals the New Balance shown on\nyour monthly statement.\n2. 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\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n1% of the New Balance,\nAny interest charges billed on the monthly statement (excluding any interest charges that accrued during prior\nbilling cycles on a deferred interest balance that ended during the billing cycle covered by the statement),\nAny Minimum Interest Charge, and\nAny Late Payment, Returned Payment, Cash Advance, Balance Transfer and Convenience Check Fees.\n\nIf we so elect, your Minimum Payment Due may also include any amount that, at the time of billing, is past due and/or over\nyour Credit Limit. In certain instances, your Minimum Payment Due may be less than the total fees and interest assessed\nthat billing cycle. At any time, you may pay more than the Minimum Payment Due up to the full amount you owe us.\nHowever, you cannot \xe2\x80\x9cpay ahead\xe2\x80\x9d. This means that if you pay more than the required Minimum Payment Due in any billing\ncycle or if you make more than one payment in a billing cycle, you will still need to pay the next month\xe2\x80\x99s required Minimum\nPayment Due by your next Payment Due Date.\nVariable Rate Information\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 APRs\non 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 only to\nresidents of Iowa at the time of Account opening.\n\nG15809 3.31.2020 Page 5 of 15\n\n\x0cThe applicable DPRs/MPRs on your Account equal 1/365th (or 1/12th for residents of Iowa at the time of\nAccount opening) of the sum of 1) the applicable Prime Rate, 2) plus the margin(s) listed above for each\nPurchase, Balance Transfer, or Cash Advance balance or the margin listed above if a Penalty APR applies. The\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d used in determining the APRs in each billing cycle will be the highest rate published in the Money\nRates column of The Wall Street Journal on the last business day of each month. An increase or decrease in the\nPrime Rate will cause a corresponding increase or decrease to your variable rates on the first day of the billing\ncycle 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\namount of interest assessed and possibly in the amount of the Minimum Payment Due. If The Wall Street Journal\ndoes not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may substitute\nanother 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 1.81167% - 1.81167% for residents of Iowa at\nthe 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 corresponds\nto a current DPR of 0.02668% - 0.05956%) (this corresponds to a current MPR of 1.81167% - 1.81167% for residents of Iowa\nat 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)).\nPenalty APR: The variable rate equals the Prime Rate plus a margin from 0% to 23.99%, (this corresponds to a current DPR\nof 0.00000% - 0.06573%) (this corresponds to a current MPR of 0.00000% - 1.99917% for residents of Iowa at the time of\naccount opening (if applicable)).\nHow the Penalty APR may apply to Your Account: The APRs on your Account may be increased each time you fail to pay at\nleast the Minimum Payment Due when it is due. We will determine the amount of the Penalty APR increase based on our\nreview of your credit history at the time (including your credit performance with other creditors). Our notice will specify the\nbalances to which the Penalty APR will be applied. The Penalty APR may continue to apply to these balances indefinitely.\nHowever, the Penalty APR will cease to apply to certain existing balances if, after the Penalty APR goes into effect, you\nmake 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 If you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such Cash\nAdvance.\n\xe2\x80\xa2 If you use your Card or Account to do a Balance Transfer, we will charge a Balance Transfer Fee for each such\nBalance Transfer.\n\xe2\x80\xa2 If you use your Card or Account to purchase Cash Equivalents, we will charge a Cash Advance Fee (sometimes we\nmay refer to this as a Cash Equivalent Fee) for each such transaction.\n\xe2\x80\xa2 If you use your Card or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such\ntransaction.\nBalance Transfer Checks and Cash Advance Checks are subject to the same Transaction Fee as Balance Transfers and Cash\nAdvances, respectively. The present amounts of those charges are stated in the Terms & Conditions, located under\nDisclosures on www.farmbureaubank.com.\nAccount Fees. In addition to the fees listed in the Terms & Conditions, we may also assess the Account Fees listed below.\nG15809 3.31.2020 Page 6 of 15\n\n\x0cAnnual 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 & Conditions.\nLate Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due by the\nPayment Due Date shown on your monthly statement, we may charge you a Late Payment Fee. The amount of the Late\nPayment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of\nthe applicable Minimum Payment Due. In addition, the first time you pay late, the fee will not exceed $25. If you again pay\nlate within six billing cycles, the fee will not exceed $35.\nLate Payment Fee for Residents of Iowa at the Time of Account Opening \xe2\x80\x93 If we do not receive a payment from you in at\nleast the amount of your Minimum Payment Due by the Payment Due Date shown on your monthly statement, we may\ncharge you a Late Payment Fee. The amount of the Late Payment Fee will be determined in accordance with applicable law.\nThus, the fee generally will be the amount of the applicable Minimum Payment Due or $15, whichever is less.\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 Returned\nPayment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of\nthe applicable Minimum Payment Due. In addition, the first time you make a payment that is returned, the fee will not\nexceed $25. If you again make a payment that is returned within six billing cycles, the fee will not exceed\n$35.\nReturned Payment Fee for Residents of Iowa at the Time of Account Opening \xe2\x80\x93 If your bank does not honor a check or\ndirect debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, we may charge\nyou a Returned Payment Fee. The amount of the Returned Payment Fee will be determined in accordance with applicable\nlaw. Thus, the fee will be the amount of the applicable Minimum Payment Due or $15, whichever is less.\nReturned Check Fee - If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance Check)\nunpaid because it exceeds your available Credit Limit at the time it is processed, your Account is closed or otherwise does\nnot have charge privileges, you did not comply with our instructions regarding the Check or your Account is past due, we\nmay charge you a Returned Check Fee. The amount of the Returned Check Fee will be determined in accordance with\napplicable law. Thus, the fee generally will not exceed the amount of the returned Convenience Check. In addition, the first\ntime a Convenience Check is returned, the fee will not exceed $25. If you again have a Convenience Check returned within\nsix billing cycles, the fee will not exceed $35.\nReturned Check Fee for Residents of Iowa at the Time of Account Opening \xe2\x80\x93 If we return a Convenience Check (which\nincludes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit line at the time\nit is processed, your Account is closed or otherwise does not have charging privileges, you did not comply with our\ninstructions regarding the check or your Account is past due, we may charge you a Returned Check Fee. The amount of the\nReturned Check Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the\namount of the returned Convenience Check or $20, whichever is less.\nCheck Stop Payment Fee \xe2\x80\x93 If we stop payment on a Convenience Check at your request, we may charge you a Check Stop\nPayment Fee of up to $39.95.\n\nG15809 3.31.2020 Page 7 of 15\n\n\x0cCheck Stop Payment Fee for Residents of Iowa at the Time of Account Opening \xe2\x80\x93 If we stop payment on a Convenience\nCheck at your request, we may charge you a Check Stop Payment Fee of $29.\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 time\nof the transaction. Currently, the currency conversion rate they use is either the wholesale market rate or the governmentmandated rate in effect under those procedures increased by one percent. The currency conversion rate used on the\nconversion date may differ from the rate in effect on the date you used your Card or Account.\nAuthorized 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 us\nto revoke your permission to allow an Authorized User to use your Account or Card. Until you revoke your permission, you\nare responsible for all charges made by an Authorized User, including Balance Transfer Check and Cash Advance Check\ntransactions, regardless of whether you intended to be responsible for those charges. If you request additional Cards for\nAuthorized 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 $5 for each duplicate\nrequested for each statement that is less than 25 months old. If the requested statement is 25 months or more you will be\ncharged $10 for each requested statement. If you request any special services such as obtaining Cards on an expedited\nbasis, you agree to pay our reasonable charges for such service, in effect at that time.\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 by\nthe Payment Due Date; 2) you make Purchases, initiate Balance Transfers, use a Check, or obtain Cash Advances in excess of\nyour Credit Limit; 3) you fail to comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die or become\nincapacitated; or 6) we believe in good faith that the payment or performance of your obligations under this Agreement is\nimpaired for any other reason. As permitted by applicable law, you agree to pay all collection expenses actually incurred by\nus in the collection of amounts you owe under this Agreement (including court or arbitration costs and the fees of any\ncollection agency to which we refer your Account) and, in the event we refer your Account after your default to an attorney\nwho is not our regularly salaried employee, you agree to pay the reasonable fees of such attorney. We will not be obligated\nto honor any attempted use of your Account if a default has occurred or we have determined to terminate your Account or\nlimit 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 a\nCheck, 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 e- mail\nG15809 3.31.2020 Page 8 of 15\n\n\x0caddress or your U.S. mail address. You may update this information by visiting the website on the back of your Card and\nsending us an e-mail or telephoning us at the telephone number provided on your Card. We may in our discretion accept\naddress 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 done\non our website, and by providing any other legally required consents, you affirmatively consent to receive all periodic billing\nstatements and other notices electronically when legally permissible. Otherwise, statements and notices will be sent to the\naddress shown in our files. If at any time you need a paper copy of statements or notices, or you change your mind and\nprefer to receive all your statements and notices in paper rather than electronic form, telephone us at the number provided\non the back of your card or visit us at the website on the back of your Card and send us an e- mail. In order to access your\nstatements and notices electronically, you must have a computer equipped with at least a 40-bit JavaScript-enabled\nNetscape or Microsoft browser at the Version level 4.0 or higher. In order to retain your statements and notices, you must\nhave a printer attached to your computer that can print them out or a drive or other storage device onto which you can\ndownload them. By accepting the receipt of electronic statements and other notices, you confirm that you have the\nsoftware and equipment that satisfies these requirements to enable you to access and retain your statements and notices\nelectronically.\nSkip Payment Program and Other Special Terms. From time to time, we may let you skip or reduce one or more monthly\npayments (interest will continue to accrue) or offer you other special features. If we do, we will advise you of the scope and\nduration of the applicable skip or special feature. When the skip or special feature ends, your regular terms will resume.\nChanges to this Agreement. We may amend the terms of this Agreement, including the amount of any fees, from time to\ntime in our sole discretion. Depending on the nature of the change, the amendment to this Agreement may, on or after\nthe 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.\nCredit Performance. Your Account was established based upon criteria which reflect your particular credit history. We will\nfrom time to time review your credit performance. In addition to any other rights we have, if you do not maintain your past\nlevel of credit performance, we may change some or all of the Account terms on your Account, and if we do we will notify\nyou 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 agencies\nin connection with your application and the administration of your Account. Upon your request, we will tell you whether\nwe obtained a consumer report and the names and addresses of any consumer reporting agencies that provided such\nreports.\nFurnishing Information to Credit Reporting Agencies. You also authorize us to exchange credit information concerning you\nor 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. To\nhelp us respond to your notification, you must include your Account number, Social Security number, the name of the\nG15809 3.31.2020 Page 9 of 15\n\n\x0cconsumer reporting agency reflecting the inaccurate information, and an explanation of why you believe the information is\ninaccurate. You understand that you may also contact the appropriate consumer reporting agency directly at the following\naddress and toll-free number: Equifax, P.O. Box 740241, Atlanta, GA 30374, 1.800.685.1111; Trans Union, P.O. Box 1000,\nChester, 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 REPORT RELECTING YOUR CREDIT HISTORY WITH US MAY BE SUBMITTED TO\nA CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. LATE PAYMENTS,\nMISSED 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 conversations\nmade or received by our employees or our agents. Similarly, we may monitor and record e-mail or conversations on our\nwebsite between you and our employees or agents. You agree that we will have such right with respect to all phone\nconversations, e-mail or conversations between you and our employees or agents, whether initiated by you or any of our\nemployees or agents. We may contact you by telephone in connection with the Account, directly or through an agent \xe2\x80\x93 for\nexample, to collect amounts owed on the Account, to notify you of potential fraudulent transactions on your account or for\nother account-servicing purposes. If at any time you provide a mobile telephone number at which you may be contacted,\nyou consent to receive calls (including autodialed calls and prerecorded messages) at that mobile number from us, our\nsuccessors and assigns, and our affiliates, agents and independent contractors, including servicers and collection agents,\nregarding the Account or your related financial obligations.\nYou consent and further agree that: (1) these telephone calls, from us or on our behalf, may be made: (a) to the telephone\nnumber(s) that you provided on the Account application, (b) to any other telephone number(s) that you later provide to us,\nand/or (c) to any telephone number(s) that we are permitted by law to use to contact you; (2) these calls may be sent using\nautomatic dialing equipment and/or include prerecorded messages; (3) other communications, including mobile text\nmessages, may be sent to the same telephone number(s) (technology permitting); (4) you may be charged by your service\nprovider for these calls in accordance with your service plan between you and your current telephone provider; (5) these\ncalls and/or messages are not \xe2\x80\x9cunsolicited\xe2\x80\x9d calls for purposes of applicable law; and (6) except to the extent prohibited by\napplicable law, other communications, including, but not limited to, fax, Internet, U.S. mail, and non-mobile email\nmessages, 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 by\napplicable law or regulation, we will not be responsible for merchandise or services purchased or leased through use of\nyour Account.\nIrregular Payments and Delay in Enforcement. We can accept late payments, partial payments, checks and money orders\nmarked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the same effect without losing any of our rights under this Agreement. We can\nalso delay enforcing our rights under this Agreement any number of times without losing them. The fact that we may at any\ntime honor a Purchase, Check, Balance Transfer or Cash Advance in excess of your maximum Credit Limit does not obligate\nus to do so again.\nOur Rights Continue. Our failure or delay in exercising any of our rights under this Agreement does not mean that we are\nunable to exercise those rights later.\n\nG15809 3.31.2020 Page 10 of 15\n\n\x0cPayments Made on Your Account. If you make a payment on this Account utilizing a check, you authorize us either to use\nthe information from your check to make a one-time electronic fund transfer from your checking/deposit account or to\nprocess 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 will\nnot receive your check back from your financial institution. For inquiries, or to opt out of one-time electronic fund transfers,\nplease 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 already\ncredited your account for the payment, we will reverse the credit in the following manner. We separately total the amounts\ncredited to Purchases, Cash Advances, and Balance Transfers. For each such amount we create a new transaction at the\nthen current applicable rate for Purchases, Cash Advances, and Balance Transfers, respectively, and add that transaction to\nyour 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.\nLiability for Unauthorized Use of Your Account. If your Card or any Check(s) are lost or stolen or if you have reason to think\nsomeone may use your Account without your permission, you must notify us at once. Please either visit the website on the\nback of your Card and send us an e-mail or telephone us at the number on the back of your Card concerning the loss or\ntheft of your Card or Checks or the possible unauthorized use of your Account. Do not use the Card, Account number or any\nChecks after they have been reported lost or stolen, even if they are found or returned. You will not be liable for\nunauthorized use of the Account; however, you must identify for us the charges that were not made by you or someone\nauthorized by you and through which you received no benefit. We may require you to provide us with certain information\nand to comply with our investigation procedures. We may terminate or limit access to your Account if you have notified us\nor we have determined that your Card or Checks may have been lost or stolen, or that there may be unauthorized access to\nyour Account.\nSale of Account and Assignment to Farm Bureau Bank. This Account was originated by Barclays Bank Delaware but may\nbe subsequently sold, assigned, or transferred to Farm Bureau Bank, FSB or to any other person or entity. Farm Bureau\nBank, FSB may at any time, and without any notice to you, sell, assign, or transfer your Account, any sums due on your\nAccount, this Agreement or our rights or obligations under your Account or this Agreement. The person(s) to whom we\nmake any such assignment shall be entitled to all of our rights under the Agreement, to the extent sold, assigned, or\ntransferred.\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.\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, FSB,\nP.O. Box 33427, San Antonio, Texas 78265-3427, or calling us at the number on the back of your Card. If you telephone or\nemail us instead of writing, you may lose certain rights the law gives you to dispute billing errors.\n\nG15809 3.31.2020 Page 11 of 15\n\n\x0cARBITRATION. 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 transaction\nor activity on your Account, including (without limitation) Claims based on contract, tort (including intentional torts), fraud,\nagency, negligence, statutory or regulatory provisions or any other source of law and (except as otherwise specifically\nprovided in this Agreement) Claims regarding the applicability of this arbitration provision or the validity of the entire\nAgreement, shall be resolved exclusively by arbitration. For purposes of this provision, \xe2\x80\x9cyou\xe2\x80\x9d includes yourself, any\nauthorized user on the Account, and any of your agents, beneficiaries or assigns, or anyone acting on behalf of the\nforegoing, and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes our employees, parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and\nto the extent included in a proceeding in which Farm Bureau Bank, FSB, is a party, its service providers and marketing\npartners. Any Claims sought to be made or remedies sought to be obtained as part of any class action, private attorney\ngeneral or other representative action (hereafter all included in the term \xe2\x80\x9cclass action\xe2\x80\x9d) shall be subject to arbitration, and\narbitrated on an individual basis between you and us, not on a class or representative or other collective basis. The\narbitrator shall not have any authority to entertain a claim, or to award any relief, on behalf of or against anyone other than\na named party to the arbitration proceeding. If any Claim is advanced in a court, arbitration may be elected under this\nprovision instead, and the right to elect arbitration shall not be deemed to have been waived if the election is made at any\ntime 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 against\nyou only and is not made part of a class action, private attorney general action or other representative or collective 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 above.\nThe Administrator will apply the rules and procedures in effect and applicable to the claim at the time the arbitration is\nfiled. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated with any other arbitration\nproceedings. The Administrator shall resolve each dispute in accordance with applicable law.\nIf 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. If\nwe commence arbitration, we will provide you notice at your last known billing address. We agree to honor a request by\nyou to remove the action to a Small Claims Court, provided that we receive the request within thirty days of the notice of\ncommencement of arbitration. Any arbitration hearing at which you appear will take place at a location within the federal\njudicial 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 the\nFederal 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 other\nperson or entity shall be allowable in arbitration, without the written consent of both you and us. In the event that there is\na dispute about whether limiting arbitration of the parties\xe2\x80\x99 dispute to non-class proceedings is enforceable under applicable\nlaw, then that question shall be resolved by litigation in a court rather than by the arbitrator; and to the extent it is\ndetermined that resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of competent jurisdiction\nrather than in arbitration.\n\nG15809 3.31.2020 Page 12 of 15\n\n\x0cA 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 reconsider\nall factual and legal issues, following the same rules of procedure, and will make decisions based on majority vote. Any final\narbitration award will be binding on the named parties and enforceable by any court having jurisdiction. Judgment upon\nany 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 will\nreimburse 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 arbitration. In\naddition, in any arbitration that you elect to file that could be heard in Small Claims Court in your jurisdiction, we will pay\nthe filing fees and other arbitration fees above the cost of filing in that Small Claims Court. If you are required to advance\nany fees or costs to the arbitration Administrator, but you ask us to do so in your stead, we will consider and respond to\nyour 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 provisional\nremedy relating to any collateral, security or property interests for contractual debts now or hereafter owed by either party\nto 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 IN\nPROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS ACTIONS OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT TO\nDISCOVERY AND THE RIGHT TO APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF THESE RIGHTS ARE\nWAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.\n\nG15809 3.31.2020 Page 13 of 15\n\n\x0cYour Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder 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, Texas 78265\nYou may also contact us on the Web: www.farmbureaubank.com\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 you\nbelieve 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 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 to\ninvestigate 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\nhave 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 bill is\ncorrect.\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 that\namount.\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.\nG15809 3.31.2020 Page 14 of 15\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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we 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 the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\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 good\nfaith 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\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was\nbased on an 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 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.farmbureaubank.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill 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\nG15809 3.31.2020 Page 15 of 15\n\n\x0c'


b'Terms and Conditions\nThe information provided below in these Terms and Conditions, along with the Cardholder\nAgreement(s), certain account pricing and terms that were available to certain applicants\nthat applied for and were approved for certain credit card accounts on the last business\nday of the calendar month that ended on February 28 2021. These account terms may\nnot be available after that date.\nThese documents are being provided to you for informational purposes only. If you apply\nand are approved for a credit card account with us, your actual account terms will be\nbased on the terms of the offer available at the time that you applied, what you are\napproved for and your actual Cardholder Agreement will be the agreement sent to you\nwhen your account is first opened.\nFarm Bureau Member Rewards MasterCard\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0.00% Introductory APR for the first 9 billing cycles, 12.99% to 24.99% APR\nafter that based on your credit worthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n25.24% APR.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n12.99% to 24.99% APR based on your credit worthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nUp to 27.24% based on your credit worthiness. This APR will be applied to\nyour account ifyoumake alate payment. This APRwill vary withthe market\nbased onthe Prime Rate.\nPenalty APR and When it Applies\n\nPaying Interest\n\nHow Long Will the Penalty APR Apply?: If your APRs are increased for this\nreason, the Penalty APR may apply until you make six (6) consecutive\nminimum payments when due.\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date. You will lose your grace\nperiod on purchases if you do not pay the statement balance (including any\ntransferred or cash advance balances) in full each month, by the payment\ndue date.\n\nMinimum Interest Charge\n\nIf you are charged interest, it will be no less than $2.00 ($0.50 for residents\nof Iowa at the time of account opening).\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore.\n\n\x0cFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\n\xe2\x80\xa2\n\nBalance Transfer Fee\n\n$10 or 4% of the amount of each transfer, whichever is greater.\nWe may from time to time offer you lower Transaction Fees on\nBalance Transfers and Checks.\n\n\xe2\x80\xa2\n\nCash Advance Fee\n\nEither $10 or 5% of each transaction amount, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction Fee\n\n3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\n\xe2\x80\xa2\n\nLate Payment Fee\n\nUp to $35 (the amount of the fee varies by state, see below)\n\n\xe2\x80\xa2\n\nOver-the-Credit-Line Fee\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment Fee\n\nUp to $35 (the amount of the fee varies by state, see below)\n\nAdditional Check Related Fees\n\n\xe2\x80\xa2\n\nReturned Check Fee\n\nUp to $35 (the amount of the fee varies by state, see below)\n\n\xe2\x80\xa2\n\nCheck Stop Payment Fee\n\nUp to $39.95 (the amount of fee varies by state, see below)\n\nHow We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)". If you are a resident of Iowa at the\ntime the account is opened, we use a method called "average daily balance (including new purchases)". These methods are explained in the\ncardholder agreement.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nMilitary Lending Act: Covered borrowers under Military Lending Act; Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account). Please call our toll-free number 800.492.3276 from\nMonday-Friday, 7am-7pm CT and Saturday, 8am-12pm CT if you would prefer an oral disclosure of the payment obligation for this account\nbefore using the account or activating the card.\nFees that Vary By State:\nLate Payment Fee: Up to $35 (Up to $15 for residents of Iowa at time of account opening).\nReturned Payment Fee: Up to $35 (Up to $15 for residents of Iowa at time of account opening).\nReturned Check Fee: Up to $35 (Up to $20 for residents of Iowa at time of account opening).\nCheck Stop Payment Fee: Up to $39.95 (Up to $29 for residents of Iowa at time of account opening).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the cardholder agreement.\nAs of 2/28/2021 the PrimeRate was 3.25%.\n\n\x0c'