INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When It Applies

How to avoid paying interest on
purchases
Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau

Annual Fees
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Fees
Penalty Fees
• Late Payment
• Over-the-Credit-Line
• Returned Payment
Other Fees
•

Pay-By-Phone with Live
Representative

•

Pay-By-Phone with Automated
Service

15.99%
The APR is determined by adding a margin of 12.74% to the Prime Rate published in The Wall
Street Journal in effect on the 5th day of the previous month.
This APR will vary with the market based on the Prime Rate.
15.99%
The APR is determined by adding a margin of 12.74% to the Prime Rate published in The Wall
Street Journal in effect on the 5th day of the previous month.
This APR will vary with the market based on the Prime Rate.
15.99%
The APR is determined by adding a margin of 12.74% to the Prime Rate published in The Wall
Street Journal in effect on the 5th day of the previous month.
This APR will vary with the market based on the Prime Rate.
*Bank cash advances include ATM, Over-the-Counter, Same-Day Online, Overdraft Protection,
Returned Payment and Cash Equivalent (i.e. money orders and traveler checks from a non-
financial institution, and person-to-person money transfers) Cash Advances.
24.99%
The Penalty APR may be applied to your account if the minimum monthly payment is not made
within 60 days of the payment due date.  In that instance, we can amend the credit card
agreement to increase the APRs for all existing balances and future transactions.  The Penalty
APR will cease to apply if we receive 6 consecutive required minimum monthly payments on or
before the payment due date. The APR may be applied to your account if you:
1) Make a late payment;
2) Go over your credit limit; or
3) Make a payment that is returned.
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the
Penalty APR will apply until you make six consecutive minimum payments when due.
Your due date is at least 25 days after close of each billing cycle. We will not charge you interest
on purchases if you pay entire balance by the due date (Grace Period) each month.
If you are charged periodic interest, the charge will be no less than $0.00.
To learn more about factors to consider when applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

FEES

None

None
Either $5.00 or 2.0% of the amount of each advance, whichever is greater.
1.0% of each transaction in U.S. dollars.

Up to $25
None
Up to $25

$10.00

None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. An explanation of this
method is provided under the Calculation of Interest Charges section of the Credit Card Agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Card Card Agreement.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you become more than 60 days late in paying
your bill.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a 12.74% margin to the Prime Rate published in The
Wall Street Journal on the 5th day of the prior month. The APR may increase or decrease each month if the Prime Rate changes. Any new rate
will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher
interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate
available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

The Farmers Bank of Appomattox- Card Regulations 

 CREDIT CARD AGREEMENT:  
 These  Card  Regulations  govern  the  possession  and  use  of  The  Farmers  Bank  of 
Appomattox credit cards  ("Card")  issued  and administered by  Union  First Market Bank 
("Issuer").  
 1. ANNUAL PERCENTAGE RATES (APR) 
 The Standard APR used to compute y our interest charges are listed in the Interest Rate and 
Interest  Charges  table.  We  reserve  the  right  to  amend  these APRs.  Pursuant  to  Federal 
Law,  your  Standard  APR  on  ex isting  balances  may  be  raised  if  the  required  minimum 
monthly  payment is not made within 60 days of the payment due date. In that instance, we 
can amend your Credit Card Agreement to raise your Standard APR to the Penalty APR for 
all ex isting balances and future transactions. We can also increase your Standard APR for 
future transactions even if you are not 60 days late in making a payment. Howev er, we will 
alw ays  prov ide y ou w ith  45  days  advanced  notice  prior  to  any  significant  changes  in  the 
terms of your account, including interest rate or fees. 
 Your Standard APR will not increase for the first year the account is open, unless: 
 1. You are more than 60 days late with your payment. 
 2. Your APR is v ariable and changes when Prime changes. 
 3. You are in a workout agreement and you hav en’t made your payments as agreed. 
 4. You have an introductory APR that w ill be in place for at least 6 months. After that, y our 
APR will revert to the Standard APR we disclosed on your Credit Card Agreement when y ou 
received the card.  
 If y our Standard APR is increased after the first y ear, for any  reason other then being late 
with y our minimum monthly  payment, the new  APR will apply only  to future transactions. If 
you hav e an existing balance, your old Standard APR will continue to apply to that balance. 
 2. STANDARD VARIABLE RATE INFORMATION 
 Your Standard APR may v ary. For purchases, balance transfers, and cash advances made 
Ov er the Counter, at an Automated Teller Machine (ATM), or by  Convenience Check, y our 
Standard  APR is  determined  by adding  together  an  index and  a margin. This  index  is  the 
Prime Rate as published in the Wall Street Journal on the 5th day of the prior month. 
 Please  refer  to  the  Interest Rate  and  Interest Charges  table  for  the amount  of  margin  on 
purchases, balance transfers, and cash advances and corresponding APRs as applicable to 
your account. 
 Any  increase or decrease in the index  will cause an increase or decrease in y our v ariable 
rates  on  the  first  day  of y our  billing  cycle  after  the  index  is  published.  An  increase  in  the 
index  means  that y ou will  pay  higher  interest  charges  and  have  a  higher  Total Minimum 
Payment Due.  
 3. GRACE PERIOD 
 Your due date is at least 25 days after the close of each billing cycle. We w ill not charge y ou 
any  interest on purchases if y ou pay y our entire balance by the due date each month. We 
will begin charging interest on cash advances and balance transfers on the transaction date 
or the first day of the billing cycle in which it is posted to y our account, w hichever is later. 
 4. CALCULATION OF INTEREST CHARGES  
 Purchases:  We  w ill  not  charge  you  interest  on  purchases  if  y ou  pay  your  entire  New 
Balance (shown on monthly statement) on or before the Payment Due Date (Grace Period) 
each month. The interest charges for a billing cycle are computed by applying the monthly 
Periodic  Rate  of  1.333%  to  the  “average  daily  balance”  of  purchases.  To  calculate  the 
av erage daily  balance, take the beginning balance of y our account each day, add any new 
purchases,  and  subtract  any  payments,  credits,  non-accruing  fees,  and  unpaid  interest 
charges. This gives us the daily  balance. Then w e add up all the daily  balances for the billing 
cycle and div ide the total by the number of days in the billing cycle.  
 Balance  Transfers  and  Cash  Advances:  We  will  begin  charging  interest  on  balance 
transfers  and  cash  adv ances  made  Ov er  the  Counter,  at  an  Automated  Teller  Machine 
(ATM), Same-Day Online or by  Convenience Check on the transaction date or the first day 
of  the  billing  cycle in which  it  is  posted  to y our  account, whichever  is  later.  There  is no 
grace period. The interest charges for a billing cycle are computed by applying the monthly 
Periodic  Rate of  1.333%  to  the “average  daily  balance”  of y our  account. To calculate  the 
av erage daily  balance, take the beginning balance of y our account each day, add any new 
cash adv ances, and subtract any payments, credits, non-accruing fees, and unpaid interest 
charges. This gives us the daily  balance. Then w e add up all the daily  balances for the billing 
cycle and div ide the total by the number of days in the billing cycle. 
 5. BILLING CYCLE AND STATEMENTS 
 Our billing cycle ends each month on a closing date determined by  us. Each billing cycle 
begins on the day  after y our closing date. Each monthly  statement reflects a single billing 
cycle. Each billing cycle that y ou have a balance, you will receiv e a statement showing y our 
New Balance. Your statement also shows the total minimum payment due, and the due date 
for y our payment. 
 6. MINIMUM PAYMENT 
 The  minimum  payment  required  is  the  Total  Minimum  Payment  Due  show n  on  y our 
statement. If the New  Balance on your statement is equal to or less than $25.00, the Total 

Minimum  Payment  Due  is  the  New   Balance  amount.  If  the  New   Balance  on y our  statement 
ex ceeds $25.00, the Total Minimum Payment Due is 4.00% of that portion of  the New  Balance 
which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichev er is 
greater, plus the entire portion of the New Balance in excess of your credit limit, plus any amount 
past due. 
 7. LATE PAYMENT CHARGE 
 If the minimum required payment is not received within 5 days after the Closing Date subsequent 
to the payment Due Date, a late payment charge up to $25.00 w ill be imposed. 
 8. TERMS GOVERNING THE USE OF YOUR CARD 
 The person ("Cardholder") whose name is embossed on the face of the VISA® ("Card") enclosed 
herew ith, and each Cardholder, in the event more than one Card is enclosed herew ith bearing the 
same account number, by signing or using said Card, receipt of w hich is acknow ledged, agrees 
with the Issuer of the Card whose name is Union First Market Bank ("Issuer") as follows: 
 A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card 
by   Cardholder  from  any  retail  business  establishment  ("Seller")  w ho  honors  same  upon  the 
ex ecution  of  a sales slip  evidencing  such Credit  Purchase  and bearing  the  account  number  of 
Cardholder embossed on the face of such Card. Additionally, VISA® Cash Adv ances ("Loans") 
may be obtained through use of such Card (a) upon execution of a w ritten request of Cardholder 
in  a  form  furnished  to  Cardholder  from  any   financial  institution  that  is  a  member,  alone  or  in 
association  w ith  others,  of  VISA®  U.S.A.  Inc.  and  (b)  upon  execution  of  a  written  separate 
agreement w ith Issuer for a VISA® overdraft financing agreement if offered by Issuer. 
 B. Cardholder  shall  be  liable and  agrees  to  pay  Issuer  for  Credit  Purchases made  by,  or  for 
Loans ex tended to, Cardholder or anyone else using such Card unless the use of such Card is by 
a person other than the Cardholder (a) w ho does not hav e actual, implied or apparent authority 
for such use, and (b) from which Cardholder receiv es no benefit. Additionally, Cardholder shall be 
jointly  and sev erally liable and agrees to pay for all Credit Purchases and Loans obtained through 
the use of any other Card bearing Cardholder's account number that has been issued to another 
person by   reason  of  such person  being  a member  of Cardholder's  family,  or  otherwise  issued 
upon  Cardholder's  request  (all  such  Cards  bearing  the  VISA®  account  number  hereinafter 
collectiv ely called "Related Cards").  
 C.  Each  Card  is  the  property  of  Issuer,  is  not  transferable,  and  must  be  surrendered  upon 
demand. It can be canceled as well as repossessed by  Issuer or its designee, and the privileges 
thereof rev oked, at any time without prior notice. 
 D.  Cardholder  shall  not  use  the  Card  or  permit  the  use  of  Related  Cards  to  obtain  Credit 
Purchases  or  Loans, which w ill  increase  Cardholder's  indebtedness  to  Issuer  to  an  amount  in 
ex cess of the limit established by Issuer. 
 E. All Credit Purchases and Loans are effected at the option of  the Seller and Cash Advancing 
Financial Institution respectiv ely, and Issuer shall not be responsible for refusal by  any  Seller or 
Cash  Adv ancing  Financial  Institution  to  honor  the  Card  or  any   Related  Card.  Any   refund, 
adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer 
which shall be shown as a credit on Cardholder's account statement with Issuer. 
 F.  Issuer  w ill  send  to  Cardholder,  at  monthly   intervals  determined  by  Issuer,  a  statement 
reflecting for the prior monthly  period all VISA® and Related Card transactions. Such statement 
shall  be  deemed  correct  and  accepted  by  Cardholder  and  all  holders  of  Related Card  unless 
Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder 
will pay such statement by  remitting to Issuer within 25 days of the closing date reflected on the 
statement either the full amount billed or, at Cardholder's option, an installment equal to at least 
the required minimum payment stated under the Minimum Payment section of the Credit Card 
Agreement.  
 G. Interest on Loans and Credit Purchases w ill be charged in accordance w ith the interest charge 
calculation method referred to under the Calculation of Interest Charges section of the Credit 
Card Agreement. The rate of interest shall be established by  Issuer from time to time, but shall 
nev er  exceed  the max imum  rate  permitted  by  law. The current  interest  rate  per  annum  is  the 
Standard  Annual  Percentage Rate  set  forth  in  the  box es  on  page one  that  giv es  the  Annual 
Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances.   
 H. If the card is canceled or surrender is demanded by  Issuer, or if Cardholder defaults in any 
payment  due,  or  is  deceased,  bankrupt  or  insolv ent,  or  any   attachment  or  garnishment 
proceedings  are  initiated  against  Cardholder  or  his  property,  Issuer  may  elect  to  declare  all 
amounts then owed to Issuer to be immediately due and payable without notice or demand of any 
kind. If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future, 
collateral securing those loans will also secure the Cardholder's obligations under this agreement. 
How ev er, unless the Cardholder ex pressly  agrees otherwise, the Cardholder's household goods 
and dw elling w ill not secure Cardholder’s obligations under this agreement ev en if Issuer has or 
later  acquires  a  security   interest  in  the  household  goods  or  a  mortgage  on  the  dwelling. 
Cardholder agrees to pay  all costs incurred by  Issuer in collecting Cardholder’s indebtedness or in 
enforcing  this  agreement,  including  reasonable  attorney 's  fees  and  also  those  costs,  expenses 
and attorney's fees incurred in appellate, bankruptcy  and post-judgment proceedings, except to 
the ex tent such costs, fees or expenses are prohibited by law.  

 
 I. This agreement may be amended from time to time by Issuer by written notice mailed to 
Cardholder  at  Cardholder's  last  known  address.  Account  and  Agreement  terms  are  not 
guaranteed  for  any  period  of  time;  all  terms,  including  fees  and  the  APRs  for  new 
transactions, may change in accordance with the Agreement and applicable law.  
 J.  Ex cept  to  the  ex tent  that  Federal  law   is  applicable,  the  v alidity ,  construction  and 
enforcement  of  this  agreement  and  all  matter's  arising  out  of  the  issuance  and  use  of  the 
Card shall  be  governed  by  the  laws  of  the  state  in w hich  the  principal  office  of  Issuer  is 
located.  
 K.  Additional charges,  plus  applicable  tax es,  may  also  be  assessed if y ou  pay  us with  a 
check  not  honored  by your  financial  institution,  request  a  copy  of  a  document,  request  a 
replacement card or use your card for a transaction at an automated teller machine, if such 
charges are not prohibited by law or regulation. No finance charge w ill be assessed on such 
additional charges. 
 L. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, 
the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most 
cases,  the  Cardholder  will  not  be  liable  for  any  unauthorized  transactions  unless  it  is 
determined  that  the Cardholder was  grossly  negligent  or  fraudulent  in  the  handling  of  the 
Card. Notification can be made orally or in w riting at: 
 Credit  Card  Security  Department  PO  Box  30035  Tampa,  Florida  33630Telephone 
Number (727) 570-4881 
 M.  Cardholder  agrees  that  Issuer,  its  agents  or  serv ice  companies may  monitor  and/or 
record any telephone communications w ith Cardholder. 
 N.  Payments  must  be  made  to  the  Issuer  in  U.S.  dollars  draw n  on  a  U.S.  Financial 
Institution. If Cardholder incurs charges in any other currency, the charges w ill be converted 
into  U.S.  dollars.  The exchange  rate  for  transactions  in  a  foreign currency w ill be  a  rate 
selected by  VISA® from the range of rates av ailable in w holesale currency markets for the 
applicable central processing date, which rate may v ary from the rate VISA® itself receiv es, 
or  the  gov ernment mandated  rate  in  effect  for  the  applicable central  processing  date. All 
transactions in foreign countries will be subject to a 1.0% conv ersion or processing fee.  
 O. Issuer shall have sole discretion in how  payments are applied to Cardholder's account. 
Issuer may  accept checks marked "Payment in Full" or w ith w ords of similar effect w ithout 
losing any of Issuer's rights to collect the full balance of Cardholder's account.  
 P.  Issuer  can  reinvestigate  and  reev aluate  any   information  Cardholder  provided  on 
Cardholder's credit application at any  time, and in the course of doing so, Issuer may  ask 
Cardholder for additional information, request credit bureau reports and/or otherw ise v erify 
Cardholder's current credit standing.  
 Q.  Cardholder  agrees  that  Issuer  may  re-release  information  to  others,  such  as  credit 
bureaus,  regarding  the status  and  history   of Cardholder's account.  How ever,  Issuer  is  not 
obligated to release any  such information to any one unless Issuer is required by  law  to do 
so.  
 R. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and 
regulations of VISA® U.S.A. Inc., as applicable, as well as all applicable laws. If there is any 
conflict  between  the  provisions  of  this  Agreement  and  the  rules  and  regulations  of  VISA® 
U.S.A. Inc., the rules and regulations of VISA® U.S.A. Inc. shall control. Your VISA® card 
may not be used for any illegal transaction(s). 
 YOUR BILLING RIGHTS:  
 This notice informs you about your rights and responsibilities under the Fair Credit 
Billing Act. 
 WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT:  
 If  y ou  think  there  is  an  error  on  y our  statement,  w rite  to  us  at:  Union  First  Market 
Bankshares Corporation PO Box 30495 Tampa, FL 33630-3495.  In y our letter, giv e us 

the  follow ing  information: 1. Account Information: Your  name  and  account  number  2. Dollar 
Amount: The dollar amount of the suspected error. 3. Description of Problem: If y ou think there 
is an error on your bill, describe what y ou believe is w rong and w hy y ou believe it is a mistake. 
You must contact us within 60 days after the error appeared on your statement and at least three 
business days before an automated payment is scheduled, if y ou want to stop payment on the 
amount you think is w rong. You must notify us of any potential errors in writing. If y ou call us, we 
are not required to investigate any potential errors and y ou may  be required to pay the amount in 
question. 
 WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER: 
 When we receive your letter, we must do two things: 1. Within 30 days after receiving y our 
letter, w e  must  tell y ou  that w e  received y our  letter.  We w ill  also  tell y ou  if we  hav e  already 
corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or 
ex plain to you w hy we believe the bill is correct. 
 While we investigate whether or not there has been an error: 1. We cannot try  to collect the 
amount in question, or report y ou as delinquent on that amount. 2. The charge in question may 
remain on y our statement, and we may  continue to charge you interest on that amount.  3. While 
you  do  not  have  to  pay  the  amount  in  question, y ou  are  responsible  for  the  remainder  of y our 
balance. 4. We can apply any unpaid amount against your credit limit. 
 After we finish our investigation, one of two things will happen: 1. If we made a mistake: 
You w ill  not  have  to  pay   the  amount  in  question  or  any   interest  or  other  fees  related  to  that 
amount.  2.  If  we  do  not  believe  there  was  a mistake:  You will  have  to  pay   the  amount  in 
question, along with applicable interest and fees. We will send you a statement of the amount y ou 
ow e and the date payment is due. We may  then report y ou as delinquent if y ou do not pay  the 
amount we think you owe. 
 If y ou receive our ex planation but still believ e your bill is wrong, y ou must w rite to us w ithin 10 
days telling us that y ou still refuse to pay. If y ou do so, w e cannot report y ou as delinquent w ithout 
also reporting that y ou are questioning your bill. We must tell y ou the name of any one to w hom 
we reported y ou as delinquent, and w e must let those organizations know w hen the matter has 
been settled betw een us. If w e do not follow all of the rules above, you do not hav e to pay the first 
$50.00 of the amount in question, even if your bill is correct. 
 YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES: 
 If y ou are dissatisfied w ith the goods or services that y ou have purchased with y our credit card, 
and y ou have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay  the remaining amount due on the purchase. To use this right, all of the follow ing must 
be true: 1. The purchase must hav e been made in your home state or w ithin 100 miles of y our 
current mailing address and the purchase price must have been more than $50.00. (Note: Neither 
of these are necessary  if y our purchase was based on an advertisement w e mailed to y ou, or if 
we  own  the company  that  sold you  the  goods or services.)  2.  You must  have  used y our credit 
card for the purchase. Purchases made with cash advances from an ATM or with a conv enience 
check that accesses y our credit card account do not qualify . 3. You must not y et have fully  paid 
for the purchase. 
 If  all  the  criteria  abov e  are  met  and y ou  are still  dissatisfied with  the  purchase,  contact  us  in 
writing  at:  Union  First  Market Bankshares Corporation  PO Box  30495  Tampa,  FL  33630-
3495.  While we  investigate,  the  same  rules  apply  to  the  disputed  amount  as discussed  above. 
After we finish our inv estigation, w e w ill tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.