DISCLOSURE OF CREDIT CARD TERMS
PLATINUM VISA® AND PLATINUM REWARDS VISA®

FEATURE

PLATINUM VISA®

PLATINUM REWARDS VISA®

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate
(APR) for Purchases and 
Balance Transfers

0% introductory rate for 6 months. After that, 
your APR will be 9.49% to 17.49%, 
based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate.

0% introductory rate for 6 months. After that, 
your APR will be 10.49% to 18.49%, 
based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate.

APR for Cash Advances

19.49%.  This APR will vary with the market 
based on the Prime Rate.

20.49%.  This APR will vary with the market 
based on the Prime Rate.

Penalty APR and 
When it Applies

Up to 26.99%.  This APR will vary with the market based on the Prime Rate.

This APR may be applied to your accounts if you are more than 60 days late in making your required monthly 
minimum payments.  This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply?  If your APRs are increased for the reason above, the Penalty APR 
will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest 
on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

NONE

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

FEES

Annual Fee

Transaction Fees
•  Balance Transfer
•  Cash Advances
•  Foreign Transaction

Penalty Fees
•  Late Payment

•  Returned Payment

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.

NONE

NONE
Either $10 or 4% of the amount of each cash advance, whichever is greater
1% of each transaction in U.S. dollars

Up to $25 for a one time occurrence, unless one of the last six payments was late, in which case, the fee 
may by up to $35.  The fee will be no greater than the minimum payment imposed.
Up to $35, but no greater than the minimum payment imposed.

How Will We Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”  See your account agreement for more details.
Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you are more than 60 days late in making your required monthly payment.
How Will We Calculate Your Rate:  After any applicable introductory rate period ends, we will establish a margin of 5.74% to 13.74% (for the Wheatland Bank Platinum 
Visa®) OR  6.74% to 14.74% (for the Wheatland Bank Platinum Rewards Visa®) based on your creditworthiness, and add this margin to the Prime Rate published in the 
Wall Street Journal to determine your APR.  Your APR and margin will be stated in your Cardholder Agreement if you open a credit card account.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
All Annual Percentage Rates (APRs) are based on the Prime Rate or Index Rate in effect as of the date of publication, December 2016.  This information may have 

changed after that date.  To find out what may have changed, write us at 222 North Wall Street, Suite 308, MB 12, Spokane, WA 99201.

We reserve the right to amend the Visa Credit Card Agreement as permitted by law.

Balance transfers from existing Wheatland Bank loans or credit cards are not permitted.

wheatlandbank.com  •  800.748.8132  •  Member FDIC  •  Equal Opportunity Lender
REV 12/2016

Wheatland Bank
Cardholder Agreement

(Including Federal Truth in Lending Disclosures)

Dear Customer:
This Agreement is your contract. It also contains disclosures required by the 
Federal Truth in Lending Act. Please read all of it and keep it for your records 
because, when you have accepted, signed or used your Card, or the Account, 
you have agreed to the terms of the Agreement.

Wheatland Bank
Spokane, Washington

In this Agreement the words you, your and yours mean the Cardholder(s). The words we, us and our 
mean Wheatland Bank and any agent through which the Account is established.

You do not have to sign this Agreement, but once you have accepted, signed or used the Card, or the 
Account, the Agreement will be in force.

The  following  definitions  apply  to  the  terminology  used  in  this  Agreement  and  on  your  monthly 
statement:
Account.  The  Visa®  account(s)  approved  by  us  for  your  use  which  is  subject  to  the  Terms  and 
Conditions of this Agreement.
Annual Percentage Rate. The cost of your credit as a yearly rate.
Billing  Cycle.  The  time  interval  between  regular  monthly  billing  statement  dates.  This  interval  is 
considered to be equal intervals of time unless a billing date varies more than four (4) days from the 
regular date.
Cash Advance. Credit extended by us to you in the form of a loan made when you present the Card 
to us or to any financial institution honoring the Card, or use of any other credit instrument, device or 
automated teller machine we make available to you.
Card. Any Visa® card(s) and/or other credit card(s) subject to this agreement issued to you by us, or 
other single credit device being used from time to time upon presentation to obtain money, property, 
labor, or services on credit. “Card” is implied when you obtain credit by using your account number 
without using the Card.
Cardholder. The natural person and/or legal entity to whom a credit card is issued upon the request 
or application of that natural person and/or legal entity for any purpose, or a natural person and/or 
legal entity who has agreed with us to pay obligations arising from the issuance of such a credit card 
to another person.
Closing Date. The date of the last day of a Billing Cycle.
Credit Limit. The maximum amount of credit available to you as set for the Account by us from time 
to time.
Finance Charge. The cost of credit extended to you on the Account resulting from applying the Periodic 
Rate to the Average Daily Balance and the Transaction Fee for Cash Advance transactions.
StatementCheck. A specially designed, individually prepared and personalized series of check(s) that 
allow cardholders to create and authorize a cash advance against their credit card account with the 
convenience and negotiability of a check.
New Balance. The account balance outstanding on the Closing Date.
Other Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges are 
listed in part D of the Agreement.
Periodic  Rate.  The  percentage  of  Finance  Charge  imposed  against  a  balance  for  a  period.  In  this 
Agreement, a “Daily” Periodic Rate is used.
Previous Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the same 
amount that was shown as “New Balance” on the Closing Date on the statement for the preceding 
Billing Cycle.)
Purchases. Extensions of credit by us to you for purchases through sellers or lessors of goods, labor, 
insurance and/or services that honor your Card and for other charges or debits.
User. The person(s) authorized by a Cardholder to obtain credit under an Account whether named in 
an application as a User, or otherwise.

TERMS AND CONDITIONS
Purchases  and  Cash  Advances.  You  can  use  the  Card  for  Purchases  and  Cash  Advances.  The 
maximum advance at an automated teller machine is $510 per day. There is no minimum amount. 
You will owe us for these amounts plus Finance Charge and Other Charges, if any, all payable in U.S. 
Dollars. 
Monthly Statement. If you have an outstanding debit or credit New Balance or if there is any Finance 
Charge imposed during a Billing Cycle, we will send you a statement. You must pay us according to 
the Terms and Conditions of the Account.

Other Terms and Conditions (including Federal Truth in Lending Disclosure)
(A) The conditions under which a Finance Charge will be imposed:

(1)  Purchases.  A  Finance  Charge  that  will  accrue  from  the  date  posted  will  be  imposed  on 
Purchase transactions posted during a Billing Cycle when the Previous Balance is not paid in full 
within the first 25 days of the Billing Cycle. A Finance Charge that will accrue from the first day of 
the next billing cycle will also be imposed on Purchases included in the New Balance, when the 
entire New Balance is not paid in full within 25 days after the Closing Date. No Finance Charge 
will be imposed on Purchases included in the New Balance when the entire New Balance is paid 
in full within 25 days after the Closing Date.
(2) Cash Advances. A Finance Charge in the form of a Transaction Fee will be imposed on each 
transaction for Cash Advances posted to the Account during a Billing Cycle. A Finance Charge 
computed on a Periodic Rate basis will also be imposed on Cash Advances from the date posted 
to the Account through the date paid. The Finance Charge accrued on Cash Advances between 
the Closing Date of the Billing Cycle and the date your Account is credited will appear on your 
next statement. There is no time period within which to pay to avoid the Finance Charge on Cash 
Advances.

(3) StatementChecks. StatementChecks can be used to pay for purchases, services, or to transfer 
balances from other credit card accounts. StatementChecks cannot be used to make payments 
to the credit card account upon which they are drawn. The credit card account upon which the 
StatementChecks are drawn must be activated prior to the StatementChecks being presented for 
payment. StatementChecks are subject to all terms and conditions of cash advances. Wheatland 
Bank shall not authorize payment of any StatementCheck which would cause the account balance 
to exceed the Credit Limit or is not payable according to the terms and conditions herein including, 
without limitation the StatementCheck expiration provision. StatementChecks expire 90 days from 
the  date  printed  on  each  StatementCheck  directly  below  the  date  line.  A  StatementCheck  not 
processed by Wheatland Bank on or before the printed expiration date will be returned unpaid.
(4) If your Account is subject to a Finance Charge other than a Cash Advance Transaction Fee, then 
the more you pay and the sooner you pay, the less your Finance Charge will be.

(B) The method of determining the balance upon which a Finance Charge will be imposed:

(1) We figure a portion of the Finance Charge on your Account by applying a Transaction Fee to the 
amount of each Cash Advance transaction posted during the Billing Cycle.
(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate to the 
“Average  Daily  Balance”  of  Cash  Advances  on  your  account  (including  current  transactions  for 
Cash  Advances).  To  get  the  “Average  Daily  Balance”  of  Cash  Advances,  we  take  the  beginning 
balance of Cash Advances on your Account each day, add any new Cash Advances, and subtract 
any payments or credits and unpaid Finance Charges. This gives us the daily balance for Cash 
Advances. Then we add up all these daily balances for the Billing Cycle and divide by the number 
of days in the Billing Cycle. This gives us the “Average Daily Balance” of Cash Advances.
(3)  We  figure  a  portion  of  the  Finance  Charge  on  your  Account  by  applying  a  Periodic  Rate  to 
the  “Average  Daily  Balance”  of  Purchases  on  your  Account  (including  current  transactions  for 
Purchases). To get the “Average Daily Balance” of Purchases, we take the beginning balance of 
Purchases on  your Account  each  day,  add  any  new  Purchases and  Other Charges  (except  Late 
Payment  Charges),  and  subtract  any  payments  or  credits,  unpaid  Finance  Charges  and  Late 
Payment Charges. This gives us the daily balance for Purchases. Then we add up at these daily 
balances for the Billing Cycle and divide by the number of days in the Billing Cycle. This gives us 
the “Average Daily Balance” of Purchases. If the entire Previous Balance is paid in full within the 
first 25 days of the Billing Cycle, the Average Daily Balance of Purchases will be considered to 
be $0.

(C) How we will calculate your rate:

Purchases  and  Balance  Transfers.  The  APR  for  Purchases  and  Balance  Transfers  made  with  
your Card will be a variable rate and is determined by adding a margin of 5.74% to 13.74% (for 
Wheatland  Bank  Platinum  Visa®)  or  6.74%  to  14.74%  (for  Wheatland  Bank  Platinum  Rewards 
Visa®) to the Prime Rate, based on your creditworthiness.
Cash  Advances.  The  APR  for  Cash  Advances  made  with  your  Card  will  be  a  variable  rate  and 
is  determined  by  adding  a  margin  of  15.74%  (for  Wheatland  Bank  Platinum  Rewards  Visa®)  or 
16.74% (for Wheatland Bank Platinum Rewards Visa®) to the Prime Rate.  
Penalty APR. The Penalty APR will be a variable rate and is determined by adding a margin of 
18.74% (for Wheatland Bank Platinum Visa®) or 19.74% (for Wheatland Bank Platinum Rewards 
Visa®) to the Prime Rate; up to 26.99%
Variable Rates. One of more of the APRs described in this document may vary monthly based on 
the Prime Rate. Rates shall be adjusted on the first day of each billing period ("Change Date"). The 
APR on each Change Date shall equal the highest Prime Rate published in the Wall Street Journal 
on  the  last  date  of  the  publication  in  the  calendar  month  preceding  the  Change  Date,  PLUS  a 
Margin as described above.  Beginning on the date a rate adjustment is effective and until the next 
Change Date, the Daily Periodic Rate then in effect will be applied to the balance in the Account to 
determine the Finance Charge. An adjustment in the APR applies to new cash advances, balance 
transfers,  credit  purchases  and  other  charges.  An  increase  or  decrease  in  the  Prime  Rate  will 
cause an increase or decrease in the APR and may increase the amount and number of minimum 
payments. The rate of Finance Charge shall not exceed the maximum rate permitted by law, if any 
is applicable. If the Wall Street Journal does not publish the U.S. Prime Rate or if it changes the 
definition of the U.S. Prime Rate, we may substitute another index.
Penalty  APR.  If  at  any  time  you  are  more  than  60  days  late  in  making  the  required  Minimum 
Payment, we may elect to increase your Purchase, Cash Advance, and/or Balance Transfer APRs, 
including any Promotional Rate APR. When you make at least your minimum monthly payment on 
or before the due date for six (6) consecutive months following the rate increase to the penalty 
rate, your APR(s) will be reduced accordingly to the APR for purchases, balance transfers and/or 
cash advances in effect at the time your account returns to good standing. 
Grace Period.  You will have a Grace Period on New Purchases provided you Pay in Full by the 
statement due date. New Purchases are subject to Finance Charges if the prior statement balance 
was not paid in full.  You do not have a Grace Period on Cash Advances or Balance Transfers. 

(D) The conditions under which any other charges may be imposed:

(1) Annual Card Fee. No Annual Card Fee will be charged to Wheatland Bank Platinum or Platinum 
Rewards Visa® cardholders.
(2)  Replacement  Card  Fee.  A  $5.00  fee  will  be  charged  if  you  request  a  replacement  card  for 
reasons other than card expiration or you report your card stolen.
(3)  Cash  Advance  Fee.  A  transaction  fee  amounting  to  4%  of  the  amount  of  each  current 
transaction ($10.00 minimum per transaction) will be charged for Cash Advances posted during 
the Billing Cycle.    
(4) Foreign Transaction Fee. A transaction fee amounting to 1% of the amount of each current 
transaction  (in  U.S.  Dollars)  will  be  charged  for  Foreign  Transactions  posted  during  the  Billing 
Cycle.
(5) Late Payment Fee. A Minimum Payment not paid within 10 days after Payment Due Date will 
be subject to a single charge up to $25 for a single occurrence, unless of the last six payments 
was late, in which case, the fee may be up to $35, but no greater than the minimum payment 
imposed.
(6) Returned Payment Charge. A charge up to $35, but no greater than the minimum payment     
imposed, will be assessed to your Credit Card Account when any payment submitted by you for       
payment on the Account is returned to us unpaid.
(7) Research and Copying Fee. A $5.00 fee will be charged for each statement copy you request.
(8)  ATM  Fees.  Wheatland  Bank  does  charge  a  $3.00  fee  for  any  electronic  funds  transfer  you 
make using your Card.  If you use an ATM to obtain a cash advance and the ATM is not operated by 
us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such 
a transaction.  The ATM surcharge may be charged to your Account if you complete the transaction. 
You will also be charged the normal Cash Advance Fee.

wheatlandbank.com
REV 8/2015

(E)  Monthly  Statements:  Each  month  we  will  send  you  a  statement  showing  purchases,  balance 
transfers, cash advances, payments, and credits made to your Account during the billing cycle, 
as well as your New Balance, any FINANCE CHARGE and any late charge or other charges.  Your 
monthly  statement  also  will  identify  the  minimum  monthly  payments  you  must  make  for  that 
billing  period  and  the  date  it  is  due.    You  agree  to  retain  for  statement  verification,  copies  of 
transaction slips resulting from each purchase, each advance, and other transactions on your 
Account.  Unless  you  notify  us  of  a  billing  error  as  described  below,  you  accept  your  monthly 
statement as an accurate statement of your Account.

(F) Minimum Payment: 

(1) The minimum payment required is the New Balance shown on your monthly statement if the 
amount is equal to or less than $15.00.
(2) If the New Balance exceeds $15.00, the minimum payment is calculated based upon the 
portion of the New Balance (3.00% of the New Balance) which does not exceed your credit limit 
(rounded up to the nearest dollar), or $15.00, whichever is greater, plus the entire portion of the 
New Balance in excess of your credit limit, plus any amount past due, plus any outstanding late 
charges and other fees and charges.

(G) Paying your account:  You agree that you will pay each month not less than the minimum monthly 
payment  on  or  before  the  scheduled  monthly  due  date  shown  on  your  statement.    You  may 
pay in full for all your purchases and cash advances each month, or you may repay in monthly 
installments.  We can accept late payments or partial payments, or checks, drafts, and money 
orders  marked  “paid  in  full”,  without  prejudice  to  our  rights  under  this  Agreement,  which  are 
hereby explicitly reserved.

(H) Application of payments:  Payments to your Account will be applied in the following order: previously 
billed and unpaid FINANCE CHARGE, fees, then payments will be allocated to balances in the 
following order: Cash Advances, Purchases, and then Balance Transfers.

(I)  The  conditions  under  which  we  may  retain  or  acquire  any  security  interest  in  any  property  to 

secure the payment of any credit extended on the Account:
(1) If we now or hereafter hold any title, pledge or security interest in any of your property, it may 
be that the terms of the instrument creating such title, pledge or security interest will also secure 
your obligation on the Account. 
(2) If you have pledged or shall hereafter pledge your personal residence as collateral security 
for any indebtedness of which we are or become the owner and holder, it is hereby understood 
that we hereby waive any claim we might otherwise acquire against said personal residence as 
collateral security for any obligation to us arising from your use of the Card.

(J) Your Billing Rights: Keep This Notice for Future Use. This notice tells you about your rights and our 

responsibilities under the Fair Credit Billing Act. 

What  To  Do  If  You  Find  A  Mistake  On  Your  Statement.  If  you  think  there  is  an  error  on  your 
statement,  write  to  us  at  the  address  shown  on  your  bill.  In  your  letter,  give  us  the  following 
information: 

•  Account Information:  Your name and account number.
•  Dollar amount:  The dollar amount of the suspected error.
•  Description of problem:  If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake. 

You must contact us within 60 days after the error appeared on your statement and at least 3 
business days before an automated payment is scheduled, if you want to stop payment on the 
amount you think is wrong. You must notify us of any potential errors in writing. You may call us, 
but if you do we are not required to investigate any potential errors and you may have 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, we must tell you that we received your letter. We will also tell you if 
we have already corrected the error; and (2) Within 90 days, we must either correct the error or 
explain why we believe the bill is correct. 

While we investigate whether or not there has been an error, we cannot try to collect the amount 
you question, or report you as delinquent. The charge in question may remain on your statement, 
and we may continue to charge you interest on that amount. While you do not have to pay the 
amount in question, you are responsible for the remainder of your balance. 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 will 
not have to pay the amount in question or any interest or other fees related to that amount; or (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 you owe and the date 
payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with 
the goods or services that you have purchased with your credit card, and you 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 following must be true:

(a) The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note:  Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)
(b) You must have used your credit card for the purchase. Purchases made with cash advances 
from an ATM or with a check that accesses your credit card account do not qualify. 
(c) You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at the address shown on your monthly billing statement. While we investigate, the same 
rules apply to the disputed amount as discussed above. After we finish our investigation, we will 
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.

ADDITIONAL PROVISIONS
You also agree to all of the following:
Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our 
property and must be returned to us immediately upon demand. If we ask, you will destroy the 
Card by cutting it in half, and will surrender it to us, mail it to us, or drop it off at any of our offices 
that we direct.
Liability.  You,  as  an  Account  Holder,  will  be  liable  for  all  credit  obtained  under  the  Account(s), 
whether obtained by you or by a User of the Account. If there is more than one Account Holder, then 
each will be liable, jointly and severally, for all credit obtained under the Account(s). In the case of 
a business Account, the Business Owner and the Business shall be jointly and severally liable for 
all charges on the Account.  
Credit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit 
available to you on an Account.
Loss or Theft of Card. You will notify us immediately of the loss or theft, or the use without your 
permission,  of  any  Card  or  other  credit  instrument  or  device  which  we  supply  you  by  calling 
844.630.3737. 
Liability of Cardholder for Unauthorized Use. Under Visa’s Zero Liability policy, you are not liable 
for fraudulent purchase transactions processed over the Visa® network.
Transactions. You will retain for statement verification your copy of each slip (ticket/draft) resulting 
from each Purchase, Cash Advance and other transaction on your Account. We will provide you 
with  photographic  or  other  documentary  evidence  of  each  transaction  upon  your  reasonable 
request or upon proper written notice of a billing error.
Termination. Either you or we may terminate or suspend your credit privileges under this Agreement 
at any time. The provisions of this Agreement shall otherwise remain in full force and effect until 
you pay all sums due us.
Transfer of Account. You cannot transfer an Account to any other person.
Honoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card 
or any other credit instrument or device we supply to you.
Refunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your 
Account in lieu of a cash refund.
Change  of  Address.  You  will  advise  us  promptly  if  you  change  your  mailing  address.  All  written 
notices and statements by us to you will be sent to your address as it appears on our records.
Credit Reports. You authorize us to make or have made any credit, employment and investigative 
inquiries  as  we  deem  appropriate  for  the  extension  or  combination  of  credit  or  collection  of 
amounts owing on the Account. We can furnish information concerning your Account or credit file 
to consumer reporting agencies, and others who may properly receive that information.
Irregular  Payments.  We  can  accept  late  payments  or  partial  payments,  or  checks  and  money 
orders marked “payment in full” without losing any of our rights under this Agreement.
Default. You will be in default on this Agreement if you do not make at least the Minimum Payment 
on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our 
permission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment 
proceedings  are  instituted  against  you  or  your  property,  we  reasonably  deem  ourself  insecure, 
you provide us with false information or signature, die or fail to comply with any provision of this 
Agreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have 
exceeded your Credit Limit does not waive the default. Default on any Account or other obligation 
that you have with us will constitute default on all Accounts with us. If you are in default, we may, 
at our option, declare the entire balance due without notice or demand.
Default Charges. You must pay all costs, disbursements and reasonable attorneys’ fees incurred 
by us in legal proceedings to collect and enforce the debt on this Account in the event of default by 
you or in the event of a breach of any obligation by you under this Agreement.
Delay  in  Enforcement.  We  can  delay  enforcing  our  rights  under  this  Agreement  without  losing 
them.
Changing of Our Agreement. We may change the terms or amend this Agreement at any time. 
We may do so by adding, deleting or changing provisions of this Agreement. We may increase or 
decrease any or all of your APRs, including any Promotional APRs. When we amend this Agreement 
we will comply with State and Federal Regulations that are in effect at that time. APR increases 
will  not  impact  existing  balances  unless  you  are  more  than  60  days  late  with  a  payment.  If  an 
amendment to this Agreement gives you the opportunity to reject the change, and if you reject 
the change in the manner provided in such amendment, we may terminate your right to receive 
credit and we may ask you to return your cards and/or access checks or other credit devices as a 
condition of your rejection. We may replace your card with another card at any time. 
Foreign Transactions. If you use your Card for Purchases or Cash Advances in a currency other 
than U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa® International, 
Inc.  under  their  rules  set  forth  from  time  to  time.  Currently,  the  rules  specify  that  the  currency 
conversion rate is 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 the government-mandated rate in effect for the applicable central processing date. If 
a credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit 
has a different processing date, then the converted amount of the credit may be greater/less than 
the converted amount of the original transaction. The currency conversion rate on the day before 
the transaction processing date will be used and may differ from the rate in effect at the time of the 
original transaction. You agree to accept the converted amount in U.S. dollars. Visa also charges 
up to a 1% International Transaction Fee on all Card transactions made at a location outside of 
the United States. This fee is assessed by Visa® on all international purchases, credit vouchers, 
and cash disbursements, whether or not a currency conversion is involved, and will appear on your 
statement as a separate transaction in U.S. dollars.
Illegal Activity. Visa® credit cards may not be used for any illegal activity. Display of a Visa® logo 
by  an  online  merchant  does  not  mean  that  transactions  are  lawful  in  all  jurisdictions  in  which 
cardholders may be located.
Severability. If any provision of this Agreement is held invalid, all valid provisions that are severable 
from the invalid provision remain in effect.
Governing Law. This agreement is governed by the laws of the state of Washington (without regards 
to its conflict of laws principles) and by any applicable federal laws.

wheatlandbank.com
REV 8/2015