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 March 31, 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 

13.25% to 25.49% APR.   
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

13.25% to 25.49% 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 

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 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). 

 
 
 
 
 
 
 
 
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 

•  Check Stop Payment Fee 

Up to $39.95 (depending upon the state that you live in at the time of 
account opening.) 

•  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)". See Cardholder Agreement for more information. 

As of 03/31/2016 the Prime Rate was 3.50%.