PRICING INFORMATION ADDENDUM 

Annual Percentage 
Rates (APRs)  

Cabela's Purchases:      9.99%  
Other Purchases*:        One Month LIBOR plus 14.99% - 17.99%  
Balance Transfer APR:   One Month LIBOR plus 24.99%  
Cash Advance APR:       One Month LIBOR plus 24.99%  

*The APR for Other Purchases (and the margin added to the One Month LIBOR to 
determine this APR) will depend on World’s Foremost Bank’s evaluation of the 
application and the applicant’s credit history. 

Variable Rate 
Information 

The APR for (1) Other Purchases, (2) Cash Advances and (3) Balance Transfers may 
vary. The rate is determined monthly by adding 14.99% - 17.99% for Other Purchases 
and by adding 24.99% for Cash Advances and Balance Transfers to the One Month 
LIBOR. 

For balances subject to a variable rate based on the One Month LIBOR, the rate will be 
adjusted monthly based on the Index rate published on the last business day of each 
calendar month. The new rate will be effective the first day of the following month. The 
effect of an increase in the Index will be an increase in the ANNUAL PERCENTAGE RATE, 
the INTEREST and the required minimum payment.  Any change in the ANNUAL 
PERCENTAGE RATE will apply to all account balances subject to INTEREST which are 
outstanding at any time during the billing cycle during which the adjusted ANNUAL 
PERCENTAGE RATE becomes effective. There is no limit on the amount by which the 
ANNUAL PERCENTAGE RATE may increase. 

We will periodically review accounts, and based on the use and handling of the account, 
we may increase or lower the ANNUAL PERCENTAGE RATE or change the Index or 
Margin. We will provide notice of changes as provided in the “Modification” section of the 
Cardholder Agreement. However, we may lower the ANNUAL PERCENTAGE RATE applied 
to all or any portion of the account balance or waive or reduce other account charges at 
any time, but we may increase without notice any rate or charge which we have 
previously lowered or waived if the increased rate or charge does not exceed the rate or 
charge which would be in effect had it not been lowered or waived. 

Grace period  

The due date is at least 25 days after the close of each billing cycle. We will not charge 
Interest on purchases if the entire balance is paid by the due date each month. We will 
begin charging Interest on cash advances and balance transfers on the transaction date. 

Balance 
Computation Method  

Balance 
Computation Method 
Explanation 

Average Daily Balance (including current transactions) 

We figure a portion of the Interest on your account by applying the Periodic Rate to the 
“Average Daily Balance” of your account (including current transactions). For each day 
in the Billing Cycle, we take: (1) your beginning balance; (2) add any new transactions, 
Interest and Fees and Other Charges (as applicable); and (3) subtract any payments or 
other credits to get that day’s Daily Balance. Purchases and Cash Advances will be 
charged to your account as of the transaction date and payments will be credited to 
your account as of the date of receipt. Fees and Other Charges (but not Cash Advance 
Transaction Fees) will be posted to your account as “Other Purchases.” Cash Advance 
Transaction Fees will be posted to your account as a “Cash Advance.” The Daily Balance 
is considered to be $0.00 for any day on which the account has a credit balance. We 
multiply this Daily Balance by the Daily Periodic Rate to get your Periodic Interest for 
that day. We add the Periodic Interest to your Daily Balance to get the beginning 
balance for the next day. 

To get your total Periodic Interest for that Billing Cycle, we add all the Daily Periodic 
Interest and round the sum to the next highest cent. This amount is also equal to the 

 
 
 
 
 
Average Daily Balance multiplied by the Daily Periodic Rate and then multiplied by the 
number of days in the Billing Cycle. To determine the Average Daily Balance, we add all 
your Daily Balances and divide by the number of days in the Billing Cycle. 

Transaction Fees 

Cash Advances:                          4.0% of amount advanced, $10 minimum 
Balance Transfers:                     4.0% of amount transferred, $10 minimum 
Foreign Currency Transaction:    1.0% of converted U.S. dollar amount 
International Transaction:          1.0% of the transaction amount 

Penalty Fees 

Late Payment Fee:                     Up to $35 

Eff. 6/1/2011 

CARDHOLDER AGREEMENT 

As used in this Agreement "you" and "your" refer to the customer(s) whose name(s) and account 
number  appear  on  the  Visa  Card  issued  pursuant  to  this  Agreement  and  to  whom  statements  are 
addressed and the customer named on other cards, if any, with the same account number. "Bank," "we," 
"us" and "our" refer to the World's Foremost Bank. When we use capitalized terms that are not otherwise 
defined in this Agreement, please refer to your monthly statement for the meaning of those terms. 
1.     Account. The Bank has issued to you a Visa Card(s) identified as a "Cabela's Card" 
("Card"). By signing, using or permitting another to use the Card or the account number you agree to all 
the terms and conditions contained (a) in this Agreement, (b) on your Card and (c) on all sales or Cash 
Advance slips you sign or authorize or which are signed or authorized by anyone you have authorized to 
use the Card or account number. "Cash Advances" are monetary transactions other than purchases and 
include, but are not limited to, Cash Advances, balance transfers, convenience checks, tax payments and 
transactions  with  a  merchant  or  service  provider  which  Visa  identifies  as  a  seller  of  travelers  checks, 
foreign currency, money orders, lottery tickets and funds used for wagers, gambling or similar products or 
services.  You  authorize  us  to  pay for  your  account  all  items  reflecting  purchases  or  Cash  Advances  by 
use of the Card or account number. You may use this account only by using a Card or other credit device 
which we approve. You may not use your Card for any unlawful purpose, including the purchase of goods 
or  services  prohibited  by  local  law  applicable  in  the  jurisdiction  where  you  reside.  Each  of  you,  if more 
than one, are jointly and severally responsible for payment of all outstanding balances regardless of who 
made  or  requested  a  specific  purchase  or  Cash  Advance  or  when  a  purchase  or  Cash  Advance  was 
made, and the Bank may refuse to release any of you from liability until all balances are paid in full and all 
Cards have been returned to us. 

You agree to notify us promptly by telephone, and confirm in writing, any loss or theft of the Card. 
You may be liable for unauthorized use of the Card, but will not be liable for unauthorized use if you notify 
us  (as  set  forth  in  paragraph  14)  within  24  hours  after  you  discover  any  loss,  theft  or  possible 
unauthorized use. 

2.          Payment.  You  agree  to  pay  us  by  making  a  minimum  payment  each  month. If  the  “New 
Balance” shown on your monthly statement is less than $25.00, your Minimum Payment Due is the New 
Balance. Otherwise, your Minimum Payment Due will be the greater of 2% of the New Balance plus any 
Amount Past Due; OR the total of all Periodic Interest, plus (i) Fees and Other Charges, plus (ii) $25, plus 
(iii)  any  Amount  Past  Due; OR,  any  amount  over  your  credit limit  at  the time  of  billing; OR any  amount 
agreed upon under a repayment plan.  We must receive this payment by the Payment Due Date shown 
on your statement (which will be at least 25 days after your Statement Date).  Any return or adjustment 
(such as a reversal of charges or fees) will be applied to your account in accordance with applicable law. 
You may make a payment in a larger amount, including payment in full, but doing so will not affect your 
obligation to make minimum payments required by subsequent statements. You may not make payment 
on your account by an advance on the account, whether by use of Cash Advance checks issued by the 
Bank or otherwise. 

 
 
 
 
 
Payment amounts in excess of the minimum payment will be applied to your account in the order 
of  highest  to  lowest  ANNUAL  PERCENTAGE  RATE(s).  The  amount  of  any  payment  received  that  is 
equal to or less than the Minimum Payment Due will be applied to your account in such order as we may 
determine. 

Your available credit may not reflect payments posted to your account until they clear your bank. 
3.     Full Payment Required. No payment of less than the stated account balance shall operate to 
modify  or  satisfy  the  amount  due  on  the  account,  unless  we  have  given  our  specific,  prior  written 
approval. We may refuse any payment not designated in U.S. dollars or which is made by instruments not 
drawn on financial institutions located in the United States. 

4.     Interest. We figure a portion of the Interest on your account by applying the Periodic Rate to 
the “Average Daily Balance” of your account (including current transactions). For each day in the Billing 
Cycle, we take: (1) your beginning balance; (2) add any new transactions, Interest and Fees and Other 
Charges (as applicable); and (3) subtract any payments or other credits to get that day’s Daily Balance. 
Purchases and Cash Advances will be charged to your account as of the transaction date and payments 
will be credited to your account as of the date of receipt. Fees and Other Charges (but not Cash Advance 
Transaction Fees) will be posted to your account as “Other Purchases.” Cash Advance Transaction Fees 
will be posted to your account as a “Cash Advance.” The Daily Balance is considered to be $0.00 for any 
day on which the account has a credit balance. We multiply this Daily Balance by the Daily Periodic Rate 
to  get  your  Periodic Interest for that  day. We  add  the  Periodic  Interest  to  your  Daily  Balance  to  get the 
beginning balance for the next day. 

To get your total Periodic Interest for that Billing Cycle, we add all the Daily Periodic Interest and 
round the sum to the next highest cent. This amount is also equal to the Average Daily Balance multiplied 
by the Daily Periodic Rate and then multiplied by the number of days in the Billing Cycle. To determine 
the Average Daily Balance, we add all your Daily Balances and divide by the number of days in the Billing 
Cycle.  

We do the Periodic Interest calculation separately for each feature such as Cabela’s Purchases, 

Other Purchases, Cash Advances, and any Promotional Balances.  

If you pay the New Balance shown on your statement in full on or before the Payment Due Date 
shown  on  your  statement  (which  will  be  at  least  25  days  after  the  Statement  Date),  we  will  not impose 
Interest on purchases which accrue from the Statement Date to the payment date or on purchases which 
appear on your next statement.  We will not impose Interest on new purchases, or any portion of a new 
purchase, paid by the Payment Due Date on your current statement, if you paid the entire New Balance 
on  your  previous  statement  by  the  Payment  Due  Date  on  that  statement.  However,  Interest  due  to 
application of the Periodic Rate(s) will begin to accrue on Cash Advances as of the transaction date and 
will continue to accrue until Cash Advances are paid in full. 

We will calculate INTEREST on your account as follows: 
a.  For  Cabela’s  Purchases,  the  Daily  Periodic  Rate is  .02736%.  The  Corresponding  ANNUAL 

PERCENTAGE RATE is 9.99%. 

b.   For  Other  Purchases  and  Cash  Advances  the  ANNUAL  PERCENTAGE  RATE  will  be  a 
variable rate based on the One Month LIBOR (rounded to the nearest hundredth) published 
in the Money Rates section of the Wall Street Journal ("Index"), as described at d. below. To 
determine  the  ANNUAL  PERCENTAGE  RATE,  a  Margin  will  be  added  to  the  Index.  The 
Margin will be 14.99% -17.99% for Other Purchases and 24.99% for Cash Advances. 

c.  For promotional balances, Interest will be charged at the ANNUAL PERCENTAGE RATE(s) 

set forth in the offer we have made to you. 

d.  For  balances  subject  to  a  variable  rate  based  on  the  One  Month  LIBOR,  the  rate  will  be 
adjusted  monthly  based  on  the  Index  rate  published  on  the  last  business  day  of  each 
calendar month. The new rate will be effective the first day of the following month. The effect 
of  an  increase  in  the  Index  will  be  an  increase  in  the  ANNUAL  PERCENTAGE  RATE,  the 
INTEREST and the required minimum payment. Any change in the ANNUAL PERCENTAGE 
RATE will apply to all account balances subject to INTEREST which are outstanding at any 
time during the billing cycle is no limit on the amount by which the ANNUAL PERCENTAGE 
RATE may increase. 

We will periodically review your account, and based on your use and handling of the account, we 
may increase or lower the ANNUAL PERCENTAGE RATE or change the Index or Margin. We will notify 
you  of  changes  as  provided  at  “Modification”  below.  However,  we  may  lower  the  ANNUAL 

PERCENTAGE  RATE  applied  to  all  or  any  portion  of  your  account  balance  or  waive  or  reduce  other 
account  charges  at  any  time,  but  we  may  increase  without  notice  any  rate  or  charge  which  we  have 
previously  lowered  or  waived if the  increased  rate  or  charge  does  not  exceed  the  rate  or  charge  which 
would be in effect had it not been lowered or waived. 

We will impose INTEREST equal to 4.0% of each Cash Advance, but not less than $10.00 (“Cash 
Advance Transaction  Fee”),  each  time you  request  and  receive  a Cash Advance.  The Total  Interest  on 
each statement is the sum of the interest charged on the Average Daily Balance and any Cash Advance 
Transaction Fee during the billing cycle.  

5.     Promotional Balances. From time to time, after you enter into this Agreement, we may offer 
you  the  opportunity  to  transfer  balances  from  other  credit  cards  to  your  account  or  to  participate  in 
promotional transactions at reduced rates or with other special features. Each of these offers will contain 
an ANNUAL PERCENTAGE RATE that will apply for the period of time specified in the offer (which in no 
event will be for a period of less than six months after the transaction date) and will set forth other terms, 
such  as  the  rate  (or  how  to  calculate  the  rate  in  the  case  of  a  variable  rate  transaction)  which  will  be 
effective after the promotional period ends. For promotional purchases at Cabela’s retail stores, website 
or catalog, the rate which will be effective during the promotional period is 0% and the rate effective after 
the promotional period ends is 9.99%. The rate in the offer will apply for transactions which are completed 
before  the  offer  ends.  If  you  initiate  transactions  after  the  offer  has  expired,  these  transactions  will  be 
treated as a request for a Cash Advance or as a promotional balance under the terms of this Agreement. 

6.     Credit Limit. We will establish a credit limit for your account. Cash Advances may be limited 
to a portion of this amount. You acknowledge receipt of the initial credit limit(s) we have established for 
your  account.  If  your  account  is  delinquent,  you  will  have  no  available  credit.  If  any  purchase  or  Cash 
Advance  would,  if  accepted,  exceed  your  credit  limit,  we  may  (a)  refuse  to  accept  the  transaction,  (b) 
accept the transaction (but this will not increase your credit limit and the amount by which the outstanding 
balance exceeds your credit limit may be treated as immediately payable) or (c) treat the transaction as 
an  event  of  default.  Information  from  credit  bureaus  may  be  obtained  in  connection  with  our  review  of 
your account with respect to any renewal or future extension of credit. 

7.   Cabela's CLUB Points. You will receive “Cabela’s CLUB Points” for Card transactions (except 
Cash Advances, balance transfers or transactions arising from the use of convenience checks) at the rate 
of  2  points  for  each  dollar  of  Cabela’s  Purchases  and  1 point  for  each  dollar  of  Other  Purchases.  One 
hundred (100) Cabela’s CLUB Points equates to one  dollar towards purchases at Cabela’s, Inc. and its 
merchandising  subsidiaries.  Accumulated  Cabela’s  CLUB  Points  may  be  redeemed  for  purchases  at 
Cabela’s, Inc. and its merchandising subsidiaries at any time your account is open and in good standing. 
You may not redeem Cabela’s CLUB Points for cash or use it to make payments on your account. You 
will be billed for the dollar equivalent of any negative Cabela’s CLUB Points which may exist at the time 
your  account  is  closed.  The  status  of  your  Cabela’s  CLUB  Points  will  be  summarized  on  each  monthly 
statement. Redemption of Cabela’s CLUB Points is the obligation of Cabela’s, Inc. and its merchandising 
subsidiaries.  The  Bank  has  no  obligation  to  redeem Cabela’s  CLUB  Points  or  to  redeem  points  earned 
but not yet reflected on your monthly statement. We may modify or terminate the Cabela’s CLUB Points 
program at any time. 

8.          Billing  Errors.  Your  rights  and  obligations,  and  the  rights  and  obligations  of  the  Bank, 
regarding  statement  entries  which  you  claim  to  be  in  error  will  be  governed  by  applicable  law  and 
regulations. You must notify us in writing of any billing error or dispute within 60 days after the date we 
mailed the statement containing the claimed error. See "Your Billing Rights." 

9.     Cards. You must sign all Cards immediately upon receipt for the Cards to be valid. Cards 
issued to you will remain property of the Bank and you must return them if we ask. We may at any time, 
without  cause  or  prior  notice  and  without  affecting  your  obligations  to  us,  (a)  cancel  available  credit  (b) 
revoke the Cards and (c) refuse to make further advances. If we terminate your account, you will be given 
any notices required by law. Termination of the account will not affect your obligation for existing balances 
or for charges you have made but which have not been charged to your account. 

10.     Default. You will be in default and your account will no longer be in good standing if (a) you 
don't make a required payment when due, (b) any one of you dies, (c) you make (or have made) any false 
or misleading statement on any credit application, sales ticket or other document or instrument given in 
connection  with  the  issuance  or  use  of  the  Card,  (d) you  become  bankrupt  or  insolvent,  (e) there  is  an 
attachment or levy against you or your property, (f) you use the Card in excess of your credit limit or (g) 
your Card is reported lost or stolen. If there is an event of default, we can, without notice, refuse to extend 

further credit to you and declare the entire amount of your obligations immediately due and payable. Late 
payments, missed payments, or other defaults on your account may be reflected in your credit report. 

11.          Modification.  We  may  modify  the  terms  of  this  Agreement  at  any  time  by  mailing  or 
delivering a notice of such changes to you at least 45 days before the beginning date of the billing cycle in 
which  the  change  will  occur  (unless  the  change  is  a  reduction  of  any  component  of  Interest  or  Other 
Charge or is a change for which no notice is required by applicable regulations). All changes in terms will 
apply to future transactions. 

12.     Other Charges. If you don’t make a required minimum payment when due, there will be a 
late fee of up to $35. There is a $10.00 charge for use of an expedited payment by telephone through a 
Bank  representative. There  is  a  $20  charge  per  request  for  expedited  delivery  of  replacement cards  on 
the account. There is a Foreign Currency Transaction Fee of 1.0% on the converted U.S. dollar amount of 
non-U.S. dollar transactions. There is an International Transaction Fee of 1.0% on transactions where the 
merchant is located in a country other than the United States and the transaction is settled in U.S. dollars. 
These charges are referred to in this Agreement as "Fees and Other Charges."  

13.     Non-U.S. Dollar Transactions. If you purchase goods or services or get a Cash Advance 
from  a merchant,  service  provider  or financial  institution  that  settles  in currency  other than  U.S.  dollars, 
the charge will be converted into a U.S. dollar amount under a currency conversion procedure established 
by  Visa  for  their  respective  cardholders.  The  exchange  rate  applied  to  these  transactions  is  (i)  a  rate 
selected  by  Visa  from  the  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central  processing  date,  which  rate  may vary  from  the  rate  Visa  itself  receives,  or  (ii)  the  government-
mandated  rate  in  effect  for  the  applicable  central  processing  date.  In  each  instance,  we  will  assess  a 
Foreign  Currency  Transaction  Fee  of  1.0%  on  the  converted  U.S.  dollar  amount  of  non-U.S.  dollar 
transactions.  The  currency  conversion  rate  used  on  the  processing  date  may  be  different  than  the  rate 
that would have been used on the purchase date or the statement posting date. 

14.     Notice of Lost or Stolen Cards. You must notify us of lost or stolen Cards by writing to us at 
P. O. Box 82608, Lincoln, Nebraska 68501 or by telephoning (during business hours) to 1-800-850-8402 
or (outside of business hours) to 1-800-556-5678. 

15.     Notice of Changed Circumstances. You agree to notify us if you become unemployed or if 
there is a material change in your financial condition or earning power or if you no longer have a positive 
cash flow. 

16.          Emergency  Services.  If  you  request  Visa  Emergency  Cash  Service  and/or  Emergency 
Card Replacement Service, we may provide personal  data to Visa USA Inc. and its respective member 
financial  institutions  and/or  contractors,  and  you  consent  to  the  release  of  such  information  for  the 
purpose of providing these services. 
17.     Miscellaneous. 
a. 

b. 
c. 

d. 

e. 

f. 

g. 

h. 

Our  failure  to  enforce  any  provision  of  this  Agreement  or  to  exercise  any  of  our  rights 
upon  default  will  not  be  a  waiver  of  our  right  to  enforce  these  provisions  or  declare  a 
future default on other occasions. 
You will notify us promptly of any changes in your name or address. 
Your  obligations  under  this  Agreement  will  not  be  secured  by  property  securing  other 
indebtedness you owe to the Bank. 
We  may  periodically  request  updated  information  from  you  and  we  may  provide, 
consistent with applicable laws and regulations, information with respect to your account 
to others, including consumer reporting agencies and other credit grantors. 
Bank personnel may listen to and record telephone conversations with you for purposes 
of monitoring and improving the quality of service. 
 All transactions are final only when accepted by the Bank at Lincoln, Nebraska. We will 
not  be  liable  for  losses  or  delays  caused  by  the  U.  S.  Postal  system  or  any  common 
carrier. 
This Agreement and all transactions under the Agreement will be construed as Nebraska 
contracts and will be governed by (i) the laws of the State of Nebraska (except a person’s 
capacity  to  enter  into  a  binding  contract  will  be  governed  by  the law  of the  state  of  that 
person’s residence) and (ii) applicable federal laws and regulations. 
If any part of this Agreement is determined to be invalid or unenforceable, the balance of 
the  Agreement  will  remain  in  full  force  and  effect,  and  to  this  extent  the  provisions  are 
declared to be severable. 

i. 

WFB may call you or send a text message at any number you provide or at any number 
where  we reasonably believe we may contact you, including calls to mobile and cellular 
devices, for any lawful purpose. These calls may include the use of automatic telephone 
dialing systems and prerecorded messages. Numbers you provide include numbers you 
give us and numbers from which you call us. 

Effective 6/1/2011