Pricing Supplement to the Cardholder Agreement 

The information provided below in this Pricing Supplement, 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 quarter that ended on September 30, 2016. 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 

10.24% to 25.24% APR.   
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.49% APR.    
This APR will vary with the market based on the Prime Rate. 

Introductory APR for Balance 
Transfers 

2.99% introductory APR for 18 billing cycles if the balance transfer is made 
online and within the first 60 days after the account open date. After the 
introductory APR expires, your APR will be 10.24% to 25.24% APR based on 
your credit worthiness. This APR will vary with the market based on the 
Prime Rate. 

Up to 27.49% based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.  

Penalty APR and When it Applies 

This APR may be applied to your account if you make a late payment. 

Paying Interest 

How Long Will the Penalty APR Apply? If your APRs are increased for this 
reason, the Penalty APR may apply indefinitely. 

Your due date is at least 25 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). 

 
 
 
 
 
 
 
 
Fees 

Annual Fee 

Transaction Fees: 

•  Balance Transfer 

$0 

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 the amount of each cash advance, whichever is greater. 

•  Foreign Transaction 

3% of each transaction in U.S. dollars. 

Penalty Fees 

• 

Late Payment 

Up to $35 (depending upon the state that you live in at the time of account 
opening.) 

•  Over-the-Credit-Line 

$0 

•  Returned Payment 

Up to $35 (depending upon the state that you live in at the time of account 
opening.) 

Additional Check Related Fees 

•  Returned Check Fee 

Up to $35 (depending upon the state that you live in at the time of account 
opening.) 

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)". 

Balance transfers, other than promotional balance transfers, will be considered cash advances and will have the 
same periodic rate and corresponding Annual Percentage Rate as cash advances. Non-promotional balance 
transfers will be referred to as cash advances in the enclosed cardholder agreement. 

Late Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due 
by the Payment Due Date shown on your monthly statement, we may charge you a Late Payment Fee. The amount 
of the Late Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not 
exceed the amount of the applicable Minimum Payment Due. In addition, the first time you pay late, the fee will 
not exceed $25. If you again pay late within six billing cycles, the fee will not exceed $35. 

Late Payment Fee for Residents of Iowa at the Time of Account Opening - If we do not receive a payment from 
you in at least the amount of your Minimum Payment Due by the Payment Due Date shown on your monthly 
statement, we may charge you a Late Payment Fee. The amount of the Late Payment Fee will be determined in 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
accordance with applicable law. Thus, the fee generally will be the amount of the applicable Minimum Payment 
Due or $15, whichever is less. 

Returned Payment Fee - If your bank does not honor a check or direct debit you deliver to us, or we must return a 
check because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The amount of 
the Returned Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not 
exceed the amount of the applicable Minimum Payment Due. In addition, the first time you make a payment that is 
returned, the fee will not exceed $25. If you again make a payment that is returned within six billing cycles, the fee 
will not exceed $35. 

Returned Payment Fee for Residents of Iowa at the Time of Account Opening - If your bank does not honor a 
check or direct debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, 
we may charge you a Returned Payment Fee. The amount of the Returned Payment Fee will be determined in 
accordance with applicable law. Thus, the fee generally will be the amount of the applicable Minimum Payment 
Due or $15, whichever is less. 

Returned Check Fee - If we return a Convenience Check (which includes a Balance Transfer Check or a Cash 
Advance Check) unpaid because it exceeds your available credit line at the time it is processed, your Account is 
closed or otherwise does not have charge privileges, you did not comply with our instructions regarding the Check 
or your Account is past due, we may charge you a Returned Check Fee. The amount of the Returned Check Fee will 
be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of the 
returned Convenience Check. In addition, the first time a Convenience Check is returned, the fee will not exceed 
$25. If you again have a Convenience Check is returned within six billing cycles, the fee will not exceed $35. 

Returned Check Fee for Residents of Iowa at the Time of Account Opening - If we return a Convenience Check 
(which includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit 
line at the time it is processed, your Account is closed or otherwise does not have charging privileges, you did not 
comply with our instructions regarding the check or your Account is past due, we may charge you a Returned Check 
Fee. The amount of the Returned Check Fee will be determined in accordance with applicable law. Thus, the fee 
generally will not exceed the amount of the returned Convenience Check or $20, whichever is less. 

Administrative Fees: 
Document Copy Fee - $5.00 per statement 
Research Fees - $15.00 per hour 
Rush Fees 2 Day - $35.00 
Rush Fees 1 Day - $55.00 
Bad Address Fee - $5.00 

Billing Rights:  Information on your rights to dispute transactions is provided in the cardholder agreement. 

As of 09/30/2016 the Prime Rate was 3.50%.