Farm Bureau� Member Rewards Mastercard� (converted)  
 Page 1 of 2 Converted MC Terms_2022.06.30 
Terms & Conditions 
The information provided below in these Terms & Conditions, along with the Cardholder Agreement(s), certain account pricing and terms that were available to certain applicants that applied for and were approved for certain credit card accounts on the last business day of the calendar month that ended on 
May 31, 2022 . These account terms may not be available after that date. 
These documents are being provided to you for informational purposes only. If you apply and are approved for a credit card account with us, your actual account terms will be based on the terms of the offer available at the time that you applied, what you are approved for, and your actual Cardholder Agreement will be the agreement sent to you when your account is first opened. 
 
FARM BUREAU  MEMBER REWARDS MASTERCARD INTEREST RATES AND INTEREST CHARGES  
Annual  Percentage  Rate  [APR] for 
Purchases  11.49% to 26.49%  APR 
This APR will vary with the market based on the prime rate. 
APR for Balance  Transfers  11.49% to 26.49%  APR 
This APR will vary with the market based on the Prime Rate. 
APR for Cash  Advances  26.74%  APR 
This APR will vary with the market based on the Prime Rate. 
Penalty  APR and When  It Applies  Up to 28.74%  based on your creditworthiness. This APR will vary with the  market based on the Prime Rate. 
This APR may be applied to your account if you make a late payment.  
How Long  Will the Penalty  APR Apply?  If your APRs are increased for this reason, the Penalty APR may apply indefinitely. 
Paying  Interest  Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers, checks and cash advances on the transaction date.  
Minimum  Interest  Charge  If you are charged interest, the charge will be no less than $2.00 ($0.50 for residents of Iowa at the time of account opening).    Farm Bureau� Member Rewards Mastercard� (converted)  
 Page 2 of 2 Converted MC Terms_2022.06.30 
 
FEES  
Annual  Fee $0 
Transaction  Fees :  
� Balance Transfer  Either $10 or 4% of the amount of each transfer, whichever is greater.  
We may from time to time offer you lower Transaction Fees on Balance Transfers and Checks. 
� Cash Advance  Either $10 or 5% of each transaction amount, whichever is greater. 
� Foreign Transaction  3% of each transaction in US dollars. 
Penalty  Fees   
� Late Payment  Up to $35 (the amount of the fee varies by state, see below) . 
� Over-the-Credit-Line  $0 
� Returned Payment  Up to $35 (the amount of the fee varies by state, see below) . 
Additional  Check  Related  Fees   
� Check Stop Payment Fee  Up to $39.95  (the amount of the fee varies by state, see below) . 
� Returned Check Fee  Up to $35 (the amount of the fee varies by state, see below) . 
How We Will Calculate  Your  Balance:  We use a method called �daily balance (including new purchases).� If you are a resident of Iowa at the time the account is opened, we use a method called � average daily balance (including new purchases) .� See Cardholder Agreement for more information.  
Loss  of Introductory  APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment.  
Military  Lending  Act: Covered borrowers under Military Lending Act; Federal law provides import ant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 p ercent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees f or ancillary products sold in connection with the credit transaction; any application fee charged (other than cer tain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees  for a credit card account). Please call our toll-free number 800.492.3276 from Monday � Friday, 7 am � 7 pm CT and Saturdays, 8 am � 12 pm CT if you would prefer an oral disclosure of the payment obligation for this account before using the account or activating the card. 
FEES  THAT  VARY  BY STATE  
Late Payment  Fee: Up to $35 (Up to $15 for residents of Iowa at the time of account opening).  
Returned  Payment  Fee: Up to $35 (Up to $15 for residents of Iowa at time of account opening).  
Returned  Check  Fee: Up to $35 (Up to $20 for residents of Iowa at time of account opening).  
Check  Stop  Payment  Fee: Up to $39.95  (Up to $29 for residents of Iowa at time of account opening). 
Billing  Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the cardholder agreement. 
 
As of 06/30 /2022  the Prime Rate was 4.75%.