Premier Business Visa® Terms and Conditions 
The Farm Bureau Bank Premier Business Visa® Card is issued by Farm Bureau Bank, FSB pursuant to the Premier Business Visa Card Agreement 
that will be included with your Card. The account is designed exclusively for business, commercial, agricultural or organizational purposes and 
is not for personal, family or household use. 

Summary of Selected Account Terms: 

Index: “Index” means the “Prime Rate” used in determining the Annual Percentage Rates (APRs) on your account each billing cycle and is the 
highest rate published in the Money Rates column of the Wall Street Journal on either the first or last day of each billing cycle. The Prime 
Rate is 5.50% as of December 31, 2018. 
Margin: “Margin” means the interest rate differential between the Index Rate and the APR. The Margin is expressed as a number of percentage 
points. 

Finance Charge on Purchases: “Finance Charges” accrue on Purchases from the date the Purchase is posted to your Account. You may avoid 
paying Finance Charges on the Purchase portion  of the “New Balance” shown on your monthly statement if the New Balance is paid in full by 
the “Payment Due Date” shown on the monthly statement. The  Payment Due Date will be at least 22 days later than the “Closing Date” shown 
on your monthly statement. If you do not make full payment by the Payment  Due Date, you will be charged a Finance Charge computed on 
the “Average Daily Purchase Balance” for the current billing period. 

Finance  Charges on  Cash  Advances: “Finance Charges”  accrue on  Cash Advances  from the day you receive a  Cash Advance until  the Cash 
Advance is paid in full. 

Minimum Finance Charge: If your monthly statement shows an amount subject to Finance Charges, the Finance Charge will not be less than 
$0.50. 

Introductory APR for Purchases (New Accounts Only): For the first three billing cycles from the account open date, the Introductory APR for 
Purchases is a fixed 0.00%. 

Variable Rate Plan for Purchases: The variable APR for Purchases will be 9.49% to 16.49% based on your creditworthiness. The APR will vary 
with the market based on the Prime Rate. The Variable APR for Purchases will not be lower than 6.99% APR.

Promotional APR for Balance Transfers: For the first three billing cycles from the account open date there is no balance transfer fee and the 
Promotional APR for Balance Transfers is a fixed 0.00%. In order to receive this Promotional APR, you must transfer your balances by calling  us 
at 1-800-492-3276. When the Promotional period ends, the Standard Variable APR for Purchases applies. 

APR for Balance Transfers: After the Promotional period expires, the Variable APR will be the same as the Standard Variable APR for Purchases. 

Variable Rate Plan for Cash Advances: The Variable APR for Cash Advance balances will be 9.49% to 16.49% based on your creditworthiness. 
The APR will vary with the market based on the Prime Rate. The Variable APR for Cash Advances will not be lower than 6.99% APR. 

Default APR: If we do not receive a payment equal to or greater than the “Minimum Payment Due” within 22 days following the “Payment 
Due Date” on any  monthly statement, the APR for all balances on your account will increase to a Variable APR of 25.49%. The APR will vary 
with the market based on the Prime Rate. 

Line Access Checks: Line Access Checks will be treated as Cash for the purposes of calculating finance charges. No cash advance fee will be 
charged on the  use of Line Access Checks. 

Annual Fee: There is no Annual Fee for this Account. 

Cash Advance Fee: You will be charged a 3.00% Cash Advance Fee, minimum $10, when you use your card to access cash on your account from 
a Bank,  automated cash machine, or other places where cash may be obtained through the use of the card. 

Late Payment Fee: If your payment is not made by its due date, a Late Fee of $39 will be assessed. 

Over the Credit Limit Fee: If the balance on your monthly statement exceeds the Credit Limit for the Account on the Closing Date of the 
monthly periodic statement, an Over-the-Limit Fee of $39 will be assessed. 

Returned Check Fee: A Returned Check Fee of $29 will be assessed for each return by a bank or other depository institution of a dishonored 
check, negotiable order of withdrawal, or share draft issued by you to us in connection with the account. 

Returned Convenience Check Fee: A Returned Convenience Check Fee of $29 will be assessed for any convenience check returned by us. 

Other: Your initial order of checks is free. A fee of $4.95 will be assessed for each check re-order you request. A charge of $5.00 will be assessed 
for each replacement plastic. Rates, Indexes, Margins, Fees, and other terms  described here are typical of those offered and in effect on Farm 
Bureau  Bank  Premier  Business Visa  credit  card  accounts  and  are  expected  to  be  applicable  to  your  account.  Your  account  terms  will  be 
determined by us, reflected in the Premier Business Visa Card Agreement. 

128-PBTC-1218