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

11.99%
The APR is determined by adding a margin of 8.74% 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.
11.99%
The APR is determined by adding a margin of 8.74% 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.
11.99%
The APR is determined by adding a margin of 8.74% 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 transfer, 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 Credit Card Agreement.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a 8.74% 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").  
 ANNUAL PERCENTA GE RATES (APR) 
 The Standard APR used to compute your 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  existing  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  existing 
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.  However,  we  will  always 
provide you with 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 variable and changes when Prime changes. 
 3. You are in a workout agreement and you haven’t made your payments as agreed. 
 4. You have an introductory APR that will be in place for at least 6 months. After that, your APR 
will revert to the Standard APR we disclosed on your Credit Card Agreement when you received 
the card.  
 If your Standard APR is increased after the first year, for any rea son other then being late with 
your minimum monthly payment, the new APR will apply only to future transactions. If you have 
an existing balance, your old Standard APR will continue to apply to that balance. 
 STANDARD VARIABLE RATE INFORMATION  
 Your  Standard  APR  may  vary.  For purchases,  balance  transfers,  and  cash advances  made 
Over  the  Counter,  at  an  Automated  Teller  Machine  (ATM),  or  by  Convenience  Check,  your 
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  yo ur  account.  Any 
increase or decrease in the index will cause an increase or decrease in your variable rates on 
the first day of your billing cycle after the index is published. An increase in the index means that 
you will pay higher interest charges and have a higher Total Minimum Payment Due.   
 GRACE PERIOD  
 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. 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 your account, whichever is later. 
 CALCULATION OF INTER EST CHARGES   
 Purchases: We will not charge you interest on purchases if you 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 
0.999% to the “average daily balance”  of purchases. To calculate the average daily balance, take 
the  beginning balance  of  your 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 we add up all the daily balances for the billing cycle and divide 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 advances made Over 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 your 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 0.999% to the 
“average  daily  balance”   of  your  account.  To  calculate  the  average  daily  balance,  take  the 
beginning  balance  of  your  account each  day,  add any  new  cash advances, and  subtract  an y 
payments,  credits,  non-accruing  fees,  and  unpaid  interest  charges.  This  gives  us  the  daily 
balance. Then we add up all the daily balances for the billing cycle and divide the total by the 
number of days in the billing cycle. 
 BILLING C YCLE AND STATEM ENTS 
 Our billing cycle ends each month on a closing date determined by us. Each billing cycle begins 
on the day after your closing date. Each monthly statement reflects a single billing cycle. Each 
billing cycle that you have a balance, you will receive a sta tement showing your New Balance. 
Your statement also shows the total minimum payment due, and the due date for your payment. 
 MINIMUM PAYM ENT  
 The minimum payment required is the Total Minimum Payment Due shown on your statement. If 
the New Balance on your statement is equal to or less than $50.00, the Total Minimum Payment 
Due is the New Balance amount. If the New Balance on your statement exceeds $50.00, the 
Total Minimum Payment Due is 2.50% of that portion of the New Balance which does not exceed 
your  credit limit  (rounded up  to  the  nearest  dollar),  or  $50.00,  whichever  is greater,  plus  the 
entire portion of the New Balance in excess of your credit limit, plus any amount past due. 
 LATE PA YMENT CHARGE 
 If  the  minimum  required  payment  is  not  received  with in  5  days  after  the  Closing  Date 
subsequent to the payment Due Date, a late payment charge up to $25.00 will be imposed. 
 TERMS GOVERNING THE U SE OF YOUR CARD  

 The  person ("Cardholder")  whose  name  is embossed  on  the  face  of  the  VISA®  ("Card")  enclosed 
herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the 
same account number, by signing or using said Card, receipt of which is acknowledged, 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") who honors same upon the execution 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 Advances ("Loans") may be obtained through use 
of such Card (a) upon execution of a written request of Cardholder in a form furnished to Cardholder 
from any financial institution that is a member, alone or in association with others, of VISA® U .S.A. 
Inc.,  and  (b)  upon  execution  of  a  written  separate agreement  with  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 
extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person 
other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, 
and  (b)  from  which  Cardholder  receives  no  benefit.  Additionally,  Cardholder  shall  be  jointly  and 
severally 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 collectively called "Related Card s").  
 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 revoked, 
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 will increase Cardholder's indebtedness to Issuer to an amount in excess 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 respectively, and Issuer shall not be responsible for refusal by any Seller or Cash 
Advancing  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 will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for 
the  prior  monthly  period  all  VISA®  Card  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  minimu m 
payment stated under the Minimum Payment section of the Credit Card Agreement.  
 G.  Interest on Loans and Credit Purchases will be charged in accordance with 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  ti me,  but  shall never 
exceed  the  maximum  rate  permitted  by  law.  The  current  interest  rate per annum  is  the  Standard 
Annual Percentage Rate set forth in the boxes on page one that gives 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 insolvent, 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.  However,  unless  the 
Cardholder  expressly  agrees  otherwise,  the  Cardholder's  house hold  goods  and  dwelling  will  not 
secure Cardholder’s obligations under this agreement even 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  extent  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. Except to the extent that Federal law is applicable, the validity, 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 which the principal office of Issuer is located.  
 K. Additional charges, plus applicable taxes, may also be assessed if you 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 will 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 writing at: 

 
 Credit Card Security Department PO Box 30035 Tampa, Florida 33630 Telephone Number 
(727) 570-4881 
 M. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record 
any telephone communications with Cardholder. 
 N. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If 
Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. 
The exchange rate for transactions in a foreign currency will be 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. All transactions in foreign countries will be 
subject to a 1.0% conversion 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 with words of similar effect without losing any of 
Issuer's rights to collect the full balance of Cardholder's account.  
 P. Issuer can reinvestigate and reevaluate 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 otherwise verify 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.  However,  Issuer is  not  obligated  to 
release any such information to anyone 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 R IGHTS: This notice informs you about your rights and responsibilities 
under the Fair Credit Billing Act. 
 WHAT TO DO IF YOU FIND A  MISTAK E ON YOUR STATEM ENT:  
 If you think there is an error on your statement, write to us at:  Union Bankshares Corporation 
PO  Box  30495  Tampa,  FL  33630-3495.  In  your  letter,  give  us  the  following  information:  1. 
Account Information: Your name and account number 2. Dollar Amount: The dollar amount of 
the  suspected error.  3.  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  three 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. If you call us, we are not required 
to investigate any potential errors and you may be required to pay the amount in question. 
 WHAT WILL HAPPEN AFTER  WE REC EIVE YOUR LETTER:  

 When we receive your letter, we must do two things: 1. Within 30 days after receiving your letter, 
we must tell you that we received your letter. We will also tell you if we have already corrected the 
error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why 
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 you as delinquent on that amount. 2. The charge in question may remain 
on your statement, and we may continue to charge you interest on that amount. 3. While you do not 
have to pay the amount in question, you are responsible for the remainder of your 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 
will 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  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 $50.00 of the 
amount in 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:  1. 
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  $50.00.  (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.)  2.  You  must  have  used  your  credit  card  for  the 
purchase.  Purchases  made  with  cash  advances  from  an  ATM  or  with  a  convenience  check  that 
accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. 
 If all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Union 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 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.