G16530 2.28.2021 Page 1 of 14 CARDHOLDER AGREEMENT 
This document is our  standard form credit card agreement in effect on the last business day of the previous calendar 
month that ended on February 28, 2021, and has been supplemented with pricing information in the �Terms and 
Conditions� located under the Disclosures section on www.farmbureau.bank. These documents are provided to you 
for informational purposes only. These account terms may not be available after the above date. 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 and your  Cardholder Agreement will be the agreement sent to you when your account is 
first opened. 
This Agreeme nt establishes t he terms o f your  credit card account (�Account�) w ith Farm B urea u Bank F SB, S parks, 
Nevada. P lease r ead it carefully a nd keep it wit h your  records. Y ou do no t need to s ign this Agreement, b ut pl ease 
sign t he ba ck of your  credit c ard (the � Card�), i f you have no t already do ne so. All e xtensions o f credit in connection 
with your  Account a re be ing m ade by F arm Burea u Bank, F SB. 
Definitions. If we u se a c apitalized ter m in this d ocument but we do n ot define t he term i n this d ocument, t he term has 
the meaning as u sed i n your m onthly statement. 
�Agreement � means this d ocument,  the Terms a nd C onditions and an y changes we make t o these d ocuments f rom time 
to tim e. 
�Authorized User � means any p erson y ou a llow t o use your Account i ncluding without l imitation t hrough a Card,  Check, 
the a ccount n umber, or other c redit d evice. 
�Balance T ransfer� means the u se of your Account f or a l oan obtained b y a t ransfer o f funds i nitiated b y us at your 
request, in cluding t he u se of a Balance Transfe r Check. 
�Cash Advance� means t he u se of your Card o r account n umber t o obtain c ash l oans at an y fin ancial  institution o r 
automated t eller machine that ac cepts t he Card,  the u se of a Cash A dvance Check o r the p urchase of Cash Equivalents. 
�Cash Equivalent� means t he u se of you r Card o r account n umbe r to obtain money orders, t raveler�s c hecks,  foreign 
currency, lo ttery t ickets, g ambling c hips, w ire transfers, p erson t o person money transfers ( including b ut not lim ited t o 
transfers fa cilitated o ver t he Interne t), or the u se of your Account t o open a d eposit a ccount o r to transfer value t o a 
stored v alue c ard a t a location o r through a merchant othe r than a financial  institution and  any other transaction that 
MasterCard, Visa an d/or American E xpress ( as ap plicable t o your Account) m ay designate as a Cash E quivalent. 
�Check � or �Convenience Check � means an ac cess check w e provide t o you to make a Cash A dvance or a Balance 
Transfer as ap plicable on your Account. A C heck can b e either a Balance Transfe r Check or a Cash Advance C heck a nd 
will be designated a s such by u s. 
�Daily P eriodic R ate� or �DPR � means t he a pplicable APR divided b y 365 a nd �Monthly P eriodic R ate� or �MPR � means 
applicable A PR d ivided b y 12. M PRs are u sed t o calculate y our interest c harges if you are a resident of Iow a when y our 
Account is o pened. For all other persons, DPRs are u sed t o calculate your interest. 
 without presenting the  Card, or 3) any other circumstances where you authorize a charge, or authorize someone else
to G16530 2.28.2021 Page 2 of 14 �Foreign Transaction� means the use of your Card or Account (other than through a Cash Advance) for a transaction with a business or entity located outside of the United States or for a transaction in a currency other than U.S. dollars. Foreign Transactions and the Transaction Fees associated with any Foreign Transaction are considered Purchases for interest calculation purposes. 
�Purchase� means the use of your Card or account number to buy or lease goods or services and to make a transaction that is not otherwise a Balance Transfer or a Cash Advance. Purchases include Foreign Transactions, Account Fees and any adjustments associated with any Purchase.  
�You� and �your� refer to each person who has applied for, accepted, or used the Account and each person who has agreed to be responsible for the Account. �We�, �us� and �our� refer the Farm Bureau Bank, FSB.  
Using Your Account/Acceptance of these Terms . You do not need to accept the Account and this Agreement and none of the fees on this Account (except as otherwise provided herein) will apply unless you use the Account. If your Account has an Annual Fee (see the Terms and Conditions to determine if this Account has an Annual Fee) and provided that you have not otherwise used the Account to make a Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you may close the Account within thirty days after Account opening by contacting us at the number on the back of your Card, and if you do, you will not be responsible for paying the Annual Fee. By signing, keeping, using or otherwise accepting your Card or Account, you agree to the terms and conditions of this Agreement. You may obtain credit in the form of Purchases, Balance Transfers and Cash Advances by using your Card, your account number, Checks,  or other credit devices. You agree that we may credit your Account rather than issue cash refunds when you reverse transactions that were originally charged to your Account. You agree that you will not use your Card or Account in connection with any transaction that is prohibited or unenforceable and that if you do engage in such a transaction you waive any claim that the charge is uncollectible on the grounds the transaction was prohibited or unenforceable. The Card must be returned to us upon request. We may replace your Card with another Card anytime. 
Severability. If any provision of this Agreement is, or becomes illegal, invalid or unenforceable under any applicable statute or rule of law, that shall not affect the validity or enforceability of any other provision and this Agreement shall be construed and enforced as if the Agreement did not contain that particular provision to the extent of its invalidity or unenforceability. 
Changes to this Agreement. We may amend the terms of this Agreement, including the amount of any fees, from time to time in our sole discretion. Depending on the nature of the change, the amendment to this Agreement may, on or after the date on which it becomes effective, apply to all of your then -outstanding unpaid indebtedness to us under your Account. If required by applicable law, we will (a) send notice of the changes to you at the address shown on our records for you and (b) give you the right to opt out of the change. If you opt out of the change you will be unable to initi ate any further transactions on the Account and you will be required to repay the amount that you owe us under the terms and conditions of the then-existing Agreement. 
Obligations on Your Account. You authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks, and Cash Advances made or obtained by you or anyone you authorize to use your Card or Account. You agree to pay us for all of these Purchases, Balance Transfers, Checks, and Cash Advances, plus any interest assessed on y our Account and any other charges and fees which you may owe under the terms of this Agreement, whether resulting from 1) physical use of your Card or a Check, 2) mail order or telephone, computer or other electronic transaction made G16530 2.28.2021 Page 3 of 14 make a charge, to your Account. Each person who has agreed to be responsible on the Account is responsible to pay the full amount owed on the Account. If this is a joint Account, we can send statements and notices to either of you. We may require that you pay the full amount owed without first asking any other person(s) to pay. Instructions for making payments are on your monthly billing statement. Payments that comply with the requirements specified on or with your monthly billing statement, including the time of receipt, will be credited as of the business day they are received.  Payments must be mailed to the correct P.O. Box or to the street address specified for U.S. Priority Mail and overnight payments. There may be a delay of up to five (5) days in cre diting payments that are not made in accordance with those instructions. Please allow at least seven (7) days for the U.S. Postal Service to deliver your payment. All payments must be made in U.S. dollars. Any payment made by check or other negotiable inst rument or direct debit must be drawn on a U.S. bank or a U.S. branch of a foreign bank. We reserve the right to accept payments made in a foreign currency. If we do, we will select the foreign currency rate at our discretion. Your available credit may not be immediately increased by the amount of the payment for up to seven (7) days to ensure we collect the funds from the bank on which your payment is drawn. If you overpay or if there is a credit balance on your Account, we will not pay interest on such amounts. 
Governing Law. This Agreement and your Account will be governed by applicable federal law and, to the extent not preempted by federal law, the laws of the State of Nevada.  
Our Rights Continue. Our failure or delay in exercising any of our rights un der this Agreement does not mean that we are unable to exercise those rights later. 
Credit Limit/Authorized Usage. Your Credit Limit is shown on the carrier containing your Card. We may change your Credit Limit from time to time�either increase or decrease it�at our sole discretion. If at any time (including in the first month after your Account is opened) you engage in account actions or activity that we perceive could have a negative impact on your credit standing with us, we may decrease your Credit Limit or close your Account. Your latest Credit Limit will appear on your monthly billing statement. You agree not to make a Purchase, authorize a Balance Transfer, use a Check, or obtain a Cash Advance that would cause the unpaid balance of your Account to e xceed your Credit Limit. We may honor Purchases, Balance Transfers, Checks and/or Cash Advances in excess of your Credit Limit at our sole discretion. If we do, this Agreement applies to that excess and you agree to pay the excess immediately if we request that you do so. You agree that we may change your Credit Limit or close your Account at any time for any reason without affecting your obligation to pay amounts that you owe under this Agreement. We will notify you of any change, but that change may take effect before you receive the notice. We may designate that only a portion of your Credit Limit is available for Cash Advances. If we do and you exceed your Cash Advance Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of this Agreement. We may limit the authorizations to make Purchase, Balance Transfer, Check, or Cash Advance transactions that may be accomplished with your Card or Account. We may in our sole discretion allow you to exceed your Credit Limit at any tim e, be we are not required to. In addition, if we do allow you to exceed your Credit Limit for any transaction or transactions, we will not be required to allow you to do so on another occasion. These charges will be evaluated based on account performance, other credit accounts with us, and your experience with other creditors. If we authorize these charges, you must pay, with your Minimum Payment Due, the amount by which your balance exceeds your Credit Limit, including amounts due to Purchases, Cash Advances, Interest charges, Fees, or other charges. 
Checks on Your Account. We may issue Checks on your Account in the form of �Balance Transfer Checks� or �Cash Advance Checks,� which can be used to access your Credit Limit. Each Check will contain your Account number and may be used only by the person(s) whose name(s) is/are printed on it. Each must be completed and signed in the same  G16530 2.28.2021 Page 4 of 14 manner as a regular personal check. If we provide Checks to you, you may not use them to pay any amount you owe under this Agreement or under any other account you may have with us. Balance Transfer Checks and Cash Advance Checks are subject to the same rate and other terms under this Agreement as Balance Transfers and Cash Advances, respectively. Unless otherwise indicated, all references in this Agreement to Balance Transfers include Balance Transfer Checks, all references to Cash Advances include Cash Advance Checks, and all references to use of the Account include use of these Checks. At our sole discretion we may  elect to not honor a Check if there has been a change in your credit worthiness, your Account is not in good standing or if the Check may cause your Account to exceed the Cash Advance or other applicable Credit Limit on your Account. At our sole discretio n we may elect to honor a Check after its expiration date. Unlike purchase transactions, there are no charge back rights with regard to Balance Transfer and Check transactions. 
Monthly Billing Statements. At the end of each monthly billing cycle a statement will be mailed or delivered to you if your Account has a debit or credit balance of more than $1.00 or if interest or a fee has been imposed. We will not send a monthly billing statement if we deem your Account uncollectible or if delinquency collection proceedings have been instituted by us sending your Account to an outside collection agency or attorney for collection.  
How We Will Calculate Your Balance Subject to Interest Rate. The provisions describi ng how we calculate your balance subject to interest rate each month, accrual of interest and how to avoid paying interest on purchases may vary based on the account type that the applicant applied for a preset spending limit. Option 1 applies to all perso ns except those who reside in Iowa when the Account is opened; Option 2 applies if you open your Account while residing in Iowa : 
OPTION 1: How We Will Calculate Interest. We use a method called �daily balance (including new purchases)�. We calculate interest separately for each �Balance Subject to Interest Rate�. These include for example, Purchases at the current rate, Balance Transfers at the current rate, Cash Advances at the current rate, and different promotional balances. Your monthly billing statement shows each �Balance Subject to Interest Rate�. To calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance, for that Balance Subject to Interest Rate, as of the end of the previous day. We add any interest calculated on the previous day�s balance. (This means interest is compounded daily). We add any new Purchases, Balance Transfers and Cash Advances to th e appropriate balance and subtract any new payments or credits from the appropriate balance. We then add all fees that have not already been added to your balance and make other adjustments as authorized by this Agreement. A credit balance is treated as a balance of zero. We then multiply each daily balance by the applicable DPR. We do this for each day in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances t o get the total interest for the billing period. 
Accrual of Interest and How to Avoid Paying Interest on Purchases. On Purchases, interest begins to accrue as of the transaction date. However, you may avoid paying interest on Purchases in any given billing cycle if you pay your New Balance in full by the Payment Due Date. For Balance Transfers, interest will accrue from the transaction date which generally will be the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the transaction date which generally will be the day the payee accepts the Check. For Cash Advances, interest will accrue from the transaction date which generally will be the day you take the Cash Advance. If you are charged interest in a billing cycle, we will charge a Minimum Interest Charge  (or �Minimum Charge�) on your Account if the total interest charge in that billing cycle is less than the amount of the Minimum Interest Charge.   G16530 2.28.2021 Page 5 of 14 OPTION 2: How We Will Calculate Your Balance Subject to Interest Rate (For Residents of Iowa at the Time of Account Opening). We use a method called �average daily balance (including new purchases)�. To determine the amount of the interest to be charged on your Account we first calculate the �Balance Subject to Interest Rate� separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Monthly Periodic Rate to the average daily balances of i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The average daily balances for Purchases, for Balance Transfers, and for Cash Advances are calculated separately and determined as follows: We take the beginning balances for each balance category on your Account each day, add to the respective balances any new transaction and any fees that you have incurred and that have not already been added to your balance, and then subtract any payments or credits and make any other applicable adjustment(s). A credit balance is treated as a balance of zero. Then we take the sum of all daily balances and divide by the number of days in the billing period to determine the average daily balance. If you multiply the �Balance Subject to Interest Rate� for each balance category as disclosed on your monthly billing statement by the applicable MPRs, the results will be the interest assessed, except for minor variations caused by rounding. We may from time to time offer you �introductory�, �special� or �promotional� APR offers. If any are in effect on your Account, we will separately identify the balances to which such offers apply on your monthly billing statement. These separate balances and the related interest will be calculated in the same manner as described above.  
Accrual of Interest and How to Avoid Paying Interest on Purchases. On Purchases, interest begins to accrue as of the transaction date. However, you may avoid paying interest on Purchases in any given billing cycle if you pay your New Balance in full by the Payment Due Date each month. For Balance Transfers, interest will accrue from the transaction date which generally will be the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the transaction date which generally will be the day the payee accepts the Check. For Cash Advances, interest will accrue from the transaction date which generally will b e the day you take the Cash Advance. If you are charged interest in a billing cycle, we will charge a Minimum Interest Charge (or �Minimum Charge�) on your Account if the total interest charge in that billing cycle is less than the amount of the Minimum In terest Charge that is disclosed in the terms of your Account. 
Your Minimum Payment Each Month. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. We will calculate it as follows: 
(1)If the New Balance is less than $20, the Minimum Payment Due equals the New Balance shown on your monthlystatement.
(2)If the New Balance is $20 or more, the Minimum Payment Due equals the greater of $20 or the total  of:
�1% of the New Balance,�Any interest charges billed on the monthly statement (excluding any interest charges that accrued during prior billingcycles on a deferred interest balance that ended during the billing cycle covered by the  statement), �Any Minimum Interest Charge, and�Any unpaid Late Payment, Returned Payment, Cash Advance, Balance Transfer and Convenience Check  Fees.
If we so elect, your Minimum Payment Due may also include any amount that, at the time of billing, is past due and/or over your Credit Limit. In certain instances your Minimum Payment Due may be less than the total fees and interest assessed that billing cycle. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us. However, you cannot �pay ahead�. This means that if you pay more than the required Minimum Payment Due in   G16530 2.28.2021 Page 6 of 14 any billing c ycle or if  you make more t han o ne p ayment in a billing c ycle, you will  still need t o pay the n ext month�s 
required M inimum P ayment D ue b y your n ext P ayment D ue Date. 
Variable Rate I nformation. The f ollowing applies to any APR on y our Account that v aries w ith the market b ased o n the 
Prime Rate. The standard A nnual  Percentage Rates (APRs) on our A ccoun t that are used t o determine th e amount o f 
interest t o be charged f or Purchases, Balan ce Transfers, Ca sh A dvances,  and t he Penalty A PR ar e variable  rates. T he 
APRs on your Account c orrespond t o a d aily p eriodic  rate ( �DPR�) o r a monthly p eriodic  rate (�MPR�) w hich is  applicable  
only to r esidents o f Iowa a t the time o f Accoun t opening. The applicable D PRs/MPRs o n your Account equal  1/365th (or 
1/12th f or residents of I owa a t the tim e of A ccount opening) o f the sum of 1) th e applicable Prime R ate, 2 ) plus th e 
margin(s) lis ted ab ove f or each P urchase, Balan ce Transfer,  or Cash A dvance b alance o r the margin  listed ab ove if a 
Penalty A PR ap plies. The �Prime Rate� u sed in d etermining t he A PRs in e ach b illing c ycle will be t he h ighest r ate 
published in  the M oney R ates c olumn o f The Wall S treet J ournal  on the last b usiness d ay of each month. A n increase or 
decrease in  the P rime R ate will  cause a corresponding increase or decrease t o your variable r ates o n the firs t day of the 
billing c ycle that b egins in  the s ame month in w hich t he ap plicable Prime R ate i s published. T here is  no limita tion o n the 
amount o f any increase. A ny such in crease or decrease w ill cause a corresponding increase o r decrease in the a mount of 
interest a ssessed a nd p ossibly in  the amount of t he Minimum Payment Due. I f The W all Street Jo urnal  does not p ublish 
the U.S. Prime Rate, or i f it changes th e definition of the U.S. P rime Rate,  we may substitute another index. 
APR for Purchases: The variable rate equals the Prime Rate plus a margin from 9.74% to 21.74%, (this corresponds to a 
current DPR of 0.02668% - 0.05956%)  (this corresponds to a current MPR of 0.81167% - 1.81167% for residents of Iowa 
at the time of account opening (if applicable)). 
APR for Balance Transfers: The variable rate equals the Prime Rate plus a margin from 9.74% to 21.74%, (this 
corresponds to a current DPR of 0.02668% - 0.05956%) (this corresponds to a current MPR of 0.81167% - 1.81167% for 
residents of Iowa at the time of account opening (if applicable)). 
APR fo r Cash Advances: The v ariable rat e equals t he Prime Rate p lus a margin  of 21.99%,  (this corresponds t o a current 
DPR o f 0.06025%) ( this corresponds t o a c urrent M PR of 1 .8325% f or residents o f Iowa a t the t ime o f account o pening (if 
applicable)). 
How the Penalty A PR m ay apply to Y our A ccount : The APR�s on y our Account may b e increased e ach time y ou fail to 
pay a t least th e Minimum Payment Due when it  is due. W e will determin e the amount o f the Penalty A PR increase based 
on o ur review o f your c redit h istory a t the time (including your c redit p erformance w ith other c reditors). O ur notice w ill 
specify the balances t o which t he Penalty A PR will  be applied. T he Penalty A PR may c ontinue t o ap ply t o these b alances 
indefinitely. H owever, t he Penalty A PR will  cease to apply t o certain  existing b alances if, af ter the Penalty A PR g oes in to 
effect,  you make t he n ext s ix consecutive minimum payments i n a r ow when due. 
Transaction Fees. We may charge an d you ag ree t o pay each o f the following t ransaction fees: 
�If you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such CashAdvance.�If you use your Card or Account to do a Balance Transfer, we will charge a Balance Transfer Fee for each suchBalance Transfer.�If you use your Card or Account to purchase Cash Equivalents, we will charge a Cash Advance Fee (sometimeswe may refer to this as a Cash Equivalent Fee) for each such  transaction. G16530 2.28.2021 Page 7 of 14 �If you use your Card or Account for a Foreign Transaction, we  will charge a Foreign Transaction Fee for each such transaction.
Balance Transfer Checks and Cash Advance Checks are subject to the same Transaction Fee as Balance Transfers and 
Cash Advances, respectively. The present amounts of those charges are stated in the Terms and Conditions, located 
under Disclosures on Balance Transfer Checks and Cash Advance Checks are subject to the same Transaction Fee as Balance Transfers and 
Cash Advances, respectively. The present amounts of those charges are stated in the Terms and Conditions, located 
under Disclosures on www.farmbureau.bank
Account F ees. In a ddition t o the fees l isted in the T erms a nd C onditions, w e may a lso a ssess the A ccount F ees l isted 
below . 
Annual F ee - If y our a ccount h as an Annual F ee, generally i t will  be billed a t account o pening and e very t welve months 
thereafter. T he a mount of the A nnual  Fee, if there i s one on y our A ccount,  is listed i n the Terms a nd C onditions. 
Late Payment Fee - If we do not receive a p ayment f rom y ou in at least t he a mount o f your M inimum P ayment D ue b y 
the Payment D ue D ate shown o n your m onthly s tatement, w e may charg e you a L ate Payment F ee. The amount o f the 
Late P ayment F ee will b e determined i n accordanc e with ap plicable law . Thus, t he fe e generally w ill not exceed t he 
amount of th e applicabl e Minimum Payment Due. Th e amoun t of th e Late P ayment Fee i s described i n the Terms a nd 
Conditions, ( including re sidents of Iowa). 
Returned Payment F ee - If your b ank d oes n ot honor a c heck o r direct d ebit you deliver to u s, or w e must return a c heck 
because it is n ot signed or is o therwise irre gular,  we m ay charge y ou a Returned Payment F ee. T he a mount o f the 
Returned Payment Fee will b e determined i n accordance with a pplicable law. Th us, the fee generally wi ll not exceed the 
amount of th e applicabl e Minimum Payment Due. Th e amoun t of the Returned Payment Fee i s described i n the Terms 
and C onditions ( including residents of I owa). 
Returned C heck Fee - If we re turn a Convenience C heck ( which includes a Balance T ransfer Check or a Cash Advance 
Check) u npaid b ecause it e xceeds y our a vailable Credit Limit at the ti me it is p rocessed, your A ccount is closed o r 
otherwise d oes n ot have c harge p rivileges, you d id not comply with our instructions re garding t he C heck or y our 
Account is p ast due, w e may c harg e you a R eturned C heck F ee. Th e amoun t of the Returned C heck F ee will be 
determined in ac cordance with ap plicable la w. Thus, the fe e generally w ill not e xceed t he amount o f the returned 
Convenience C heck. T he a mount o f the Returned C heck F ee is described i n the T erms a nd C onditions ( including 
residents o f Iowa). 
Check S top Payment F ee � If we stop p ayment o n a C onvenience C heck a t your r equest, w e may c harge you a fee. Th e 
Check S top Payment F ee is described i n the T erms a nd C onditions ( including residents of I owa). 
Legal T ransactions Only. You s hall reimburse, in demnify,  and hold h armless MasterCard an d us for any an d all amounts, 
expenses, o r damages r esulting f rom y our alleged ille gal use of the A ccount. 
Foreign C urrency Conversion f or M asterCard Cards - We an d MasterCard ( or their affiliates) w ill convert t ransactions in 
foreign c urrencies in to U.S. D ollars. M asterCard w ill use their currency c onversion p rocedures t hat are c urrent at t he 
time o f the transaction. C urrently,  the currency c onversion r ate they u se is either th e wholesal e market ra te or th e 
government -mandated r ate i n effect u nder t hose p rocedures i ncreased b y one p ercent. The c urrency c onversion r ate 
used o n the c onversion d ate m ay differ f rom t he rate i n effect o n the d ate you u sed y our C ard or A ccount. Fees. In a ddition t o the fees l isted i n the Terms a nd C onditions, w e may  also assess  the Account F ees listed 
below . 
Annual  Fee - If your account  has an Annual F ee, generally i t will be billed  at account  opening and e very  twelve months  
thereafter. T he amount of  the Annual  Fee, if there i s one on your Account,  is listed i n the Terms  and C onditions. 
Late Payment Fee - If we do not receive  a payment f rom you in at least t he a mount  of your  Minimum P ayment D ue b y 
the Payment D ue D ate shown o n your m onthly s tatement,  we may charg e you a L ate Payment F ee. The amount  of the 
Late P ayment F ee will b e determined i n accordanc e with applicable law . Thus, t he fe e generally w ill not exceed  the 
amount of th e applicabl e Minimum  Payment Due. Th e amoun t of th e Late  Payment Fee  is described i n the Terms a nd 
Conditions, ( including re sidents of Iowa). 
Returned Payment Fee - If your b ank d oes n ot honor a check o r direct d ebit you deliver to u s, or we must  return  a check  
because it is n ot signed or is o therwise irre gular,  we m ay charge  you a Returned Payment Fee. T he amount  of the 
Returned Payment Fee will b e determined  in accordance with a pplicable law. Th us, the fee generally  will not exceed the 
amount of th e applicabl e Minimum Payment Due. Th e amoun t of the Returned Payment Fee i s described i n the Terms  
and Conditions ( including residents of I owa).  
Returned C heck Fee - If we return a Convenience C heck  (which in cludes  a Balance  Transfer Check or a Cash Advance  
Check) u npaid b ecause it e xceeds  your available Credit Limit at the ti me it is p rocessed, your A ccount is  closed o r 
otherwise  does n ot have c harge p rivileges,  you d id not comply with our instructions re garding  the C heck  or your 
Account is p ast due, w e may  charg e you a R eturned  Check  Fee. Th e amoun t of the Returned C heck  Fee will be 
determined in ac cordance with  applicable la w. Thus, the fe e generally w ill not  exceed t he amount o f the returned 
Convenience C heck.  The amount  of the Returned C heck F ee is described  in the T erms  and C onditions ( including 
residents o f Iowa).  
Check S top Payment F ee � If we stop payment o n a C onvenience C heck a t your r equest,  we may c harge you a fee. Th e 
Check S top Payment F ee is described i n the T erms a nd Conditions ( including residents of I owa). 
Legal  Transactions Only. You s hall reimburse, in demnify, an d hold h armless MasterCard an d us for any an d all amounts,  
expenses,  or damages r esulting  from y our alleged  illegal use  of the  Account.  
Foreign C urrency  Conversion f or MasterCard Cards - We and MasterCard ( or their affiliates) w ill convert  transactions in 
foreign  currencies in to U.S. D ollars.  MasterCard w ill use t heir currency c onversion p rocedures t hat are  current  at the 
time  of the transaction. C urrently,  the currency c onversion r ate they u se is  either th e wholesal e market ra te or th e 
government -mandated r ate i n effect  under t hose p rocedures i ncreased b y one percent.  The currency  conversion r ate 
used  on the c onversion d ate m ay differ f rom t he rate in effect o n the date you u sed y our C ard or Account.  G16530 2.28.2021 Page 8 of 14 Authorized Users. You may allow Authorized Users to use your Account. If you allow an Authorized User to use your Account, you will be liable for all transactions made by that person including transactions for which you may not have intended to be liable, even if the amount of those transactions causes your credit limit to be exceeded. You must notify us to revoke your permission to allow an Authorized User to use your Account or Card. Until you revoke your permission, you are responsible for all charges made by an Authorized User, including Balance Transfer Check and Cash Advance Check transactions, regardless of whether you intended to  be responsible for those charges. If you request additional Cards for Authorized Users, checks accessing this Account may also be included with the Card.  
Administrative Charges. If you request photocopies of monthly billing statements, you will be charge d our reasonable fee, in effect at that time for each duplicate requested for each statement requested. If you request any special services such as obtaining Cards on an expedited basis and we can honor your request, we may charge your Account our Expedited Delivery Charges in effect at that time. We will advise you of the amount of the fee when you request the service. 
Default/Collection Costs. Unless otherwise prohibited by law, your Account will be in default and we may demand immediate payment of the entire amount you owe us if: 1) in any month we do not receive your Minimum Payment Due by the Payment Due Date; 2) you make Purchases, initiate Balance Transfers, use a Check, or obtain Cash Advances in excess of your Credit Limit; 3) you fail to comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die or become incapacitated; or 6) we believe in good faith that the payment or performance of your obligations under this Agreement is impaired for any other reason. As permitted by appli cable law, you agree to pay all collection expenses actually incurred by us in the collection of amounts you owe under this Agreement (including court or arbitration costs and the fees of any collection agency to which we refer your Account) and, in the ev ent we refer your Account after your default to an attorney who is not our regularly salaried employee, you agree to pay the reasonable fees of such attorney. We will not be obligated to honor any attempted use of your Account if a default has occurred or we have determined to terminate your Account or limit your Account privileges (as discussed  below). 
Termination/We May Suspend or Close Your Account. We may suspend or close your Account or otherwise terminate your right to use your Account without prior notice. We may do this at any time and for any reason, including but not limited to, if there is a change to your creditworthiness or if your Account becomes inactive. You must destroy all Cards, Checks or other credit devices on the Account when we request. You agree that you will not try to make a Purchase, use a Check, initiate a Balance Transfer or obtain a Cash Advance after you have been notified that your privilege to use your Account has been closed or revoked. You may close your Account at any time. If you do, you must destroy all Cards and Checks previously issued on the Account. If you call us, we may require that you confirm your termination in writing.  Your obligations under this Agreement continue even after the Account is closed.  
Notices to You. Billing statements and notices will be sent to the address shown in our files. If this is a joint  Account, we may send billing statements and notices to either of you. You promise to promptly inform us of any change in your e - mail address or your U.S. mail address. You may update this information by visiting the website on the back of your Card and sending us an e-mail or telephoning us at the telephone number provided on your Card. We may in our discretion accept address corrections from the United States Postal Service.  
Consent to Receive Electronic Notices. You may receive periodic billing statements and other notices regarding your Account electronically or by U.S. mail. By requesting statements and other notices electronically, which may only be done on our website, and by providing any other legally requir ed consents, you affirmatively consent to receive all periodic billing statements and other notices electronically when legally permissible. Otherwise, statements and notices   G16530 2.28.2021 Page 9 of 14 will be sent to the address shown in our files. If at any time you need a paper copy of statements or notices, or you change your mind and prefer to receive all your statements and notices in paper rather than electronic form, telephone us at the number provided on the back of your card or visit us at the website on the back of your Card and send us an e - mail. In order to access your statements and notices electronically, you must have a computer equipped with at least a 40-bit JavaScript-enabled Netscape or Microsoft browser at the Version level 4.0 or higher. In order t o retain you
r
statements and notices, you must have a printer attached to your computer that can print them out or a drive or otherstorage device onto which you can download them. By accepting the receipt of electronic statements and other notices,you confirm that you have the software and equipment that satisfies these requirements to enable you to access andretain your statements and notices electronically.
Skip Payment Program and Other Special Terms . From time to time, we may let you skip or reduce one or more monthly payments (interest will continue to accrue) or offer you other special features. If we do, we will advise you of the scope and duration of the applicable skip or special feature. When the skip or special feature ends, your regular terms will resume. 
Credit Performance. Your Account was established based upon criteria which reflect your particular credit history. We will from time to time review your credit performance. In addition to any other rights we have, if you do not maintain your past level of credit performance, we may change some or all of the Account terms on your Account, and if we do we will notify you as provided in this Agreement and in accordance with applicable law.  
Credit Information. You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the administration of your Account. Upon your request, we will tell you whether we obtained a consumer report and the n ames and addresses of any consumer reporting agencies that provided such reports. 
Furnishing Information to Credit Reporting Agencies. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies. If you believe that we have furnished any inaccurate information relating to your Account to any consumer reporting agency, you may notify us at the following address:  P.O. Box 33427, San Antonio, TX 78265- 3427. To help us respond to your notification, you must include your Account number, Social Security number, the name of  the consumer reporting agency reflecting the inaccurate information, and an explanation of why you be lieve the information is inaccurate. You understand that you may also contact the appropriate consumer reporting agency directly at the following address and toll-free number: Equifax, P.O. Box 740241, Atlanta, GA 30374, 1.800.685.1111; Trans Union, P.O. Box 1000, Chester, PA 19022, 1.800.916.8800; or Experian, P.O. Box 2002, Allen, TX 75013, 1.888.397.3742. 
NEGATIVE CREDIT REPORTS YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING YOUR CREDIT HISTORY WITH US MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.  
Calls/Electronic Communications. In the regular course of our business, we may monitor and record phone conversations made or received by our employees or our agents. Similarly, we may monitor and record e -mail or conversations on our website between you and our employees or agents. You agree that we will have such right with respect to all phone conversations, e-mail or conversations between you and our employees or agents, whether initiated by you or any of our employees or agents. We may contact you by telephone in connection with the Account,   G16530 2.28.2021 Page 10 of 14 directly or through an agent � for example, to collect amounts owed on the Account, to notify you of potential fraudulent transactions on your account or for other account -servicing purposes. If at any time you provide a mobile telephone number at which you may be contacted, you consent to receive calls (including autodialed calls and prerecorded messages) at that mobile number from us, our successors and assigns, and our affiliates, agents and independent contractors, including servicers and collection agents, regarding the A ccount or your related financial obligations. 
You consent and further agree that: (1) these telephone calls, from us or on our behalf, may be made: (a) to the telephone number(s) that you provided on the Account application, (b) to any other telephone num ber(s) that you later provide to us, and/or (c) to any telephone number(s) that we are permitted by law to use to contact you; (2) these calls may be sent using automatic dialing equipment and/or include prerecorded messages; (3) other communications, including mobile text messages, may be sent to the same telephone number(s) (technology permitting); (4) you may be charged by your service provider for these calls in accordance with your service plan between you and your current telephone provider; (5) these calls and/or messages are not �unsolicited� calls for purposes of applicable law; and (6) except to the extent prohibited by applicable law, other communications, including, but not limited to, fax, Internet, U.S. mail, and non-mobile email messages, may be sent to you. 
Refusal to Honor Card. We are not responsible for refusals to honor your Card or Checks. Except as otherwise required by applicable law or regulation, we will not be responsible for merchandise or services purchased or leased through use of your Account. 
Irregular Payments and Delay in Enforcement . We can accept late payments, partial payments, checks and money orders marked �Paid in Full� or language having the same effect without losing any of our rights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. The fact that we may at any time honor a Purchase, Check, Balance Transfer or Cash Advance in excess of your maximum Credit Limit does not obligate us to do so again. 
Payments Made on Your Account. If you make a payment on this Account utilizing a check, you authorize us either to use the information from your check to make a one- time electronic fund transfer from your checking/deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day you make your payment, and you will not receive your check back from your financial institution. For inquiries, or to opt out of one -time electronic fund transfers, please call the number listed on the back of your Card.  
Payments that are Returned on Your Account . If a payment you make is not honored by your bank and we have already credited your account for the payment, we will reverse the cred it in the following manner. We separately total the amounts credited to Purchases, Cash Advances, and Balance Transfers. For each such amount we create a new transaction at the then current applicable rate for Purchases, Cash Advances, and Balance Transfers, respectively, and add that transaction to your account as of the date the original payment was first credited to your Accounts.  
Payment Allocation. Subject to any mandatory provisions of applicable law, in most instances, we will allocate any amount over your minimum payment to the highest APR balances first. Payments up to the minimum payment will be applied at our discretion, including to lower APR balances first.   G16530 2.28.2021 Page 11 of 14 Liability for Unauthorized Use of Your Account. If your Card or any Check(s) are lost or stolen or if you have reason to think someone may use your Account without your permission, you must notify us at once. Please telephone us at the number on the back of your Card concerning the loss or theft of your Card or Checks or the possible unauthorized use of your Account. Do not use the Card, Account number or any Checks after they have been reported lost or stolen, even if they are found or returned. You will not be liable for unauthorized use of the Account; however, you must identify for us the charges that were not made by you or someone authorized by you and through which you received no benefit. We may require you to provide us with certain information and to comply with our investigation procedures. We may terminate or limit access to your Account if you have notified us or we have determined that your Card or Checks may have been lost or stolen, or that there may be unauthorized access to your Account.  
Inquiries or Questions: You may address any inquiries or questions which you have about your Account to Farm Bureau Bank, FSB, by visiting the website on the back of your Card and sending us an e -mail, writing us at Farm Bureau Bank, FSB, P.O. Box 33427, San Antonio, Texas 78265-3427, or calling us at the number on the back of your Card. If you telephone or email us instead of writing, you may lose certain rights the law gives you to dispute billing errors.  
ARBITRATION. At the election of either you or us, any claim, dispute or controversy (�Claim�) by either you or us against the other, arising from or relating in any way to this Agreement or your Account, or their establishment, or any transaction or activity on your Account, including (without limitation) Claims based on contract, tort (including intentional torts), fraud, agency, negligence, statutory or regulatory provisions or any other source of law and (except as otherwise specifically provided in this Agreement)  Claims regarding the applicability of this arbitration provision or the validity of the entire Agreement, shall be resolved exclusively by arbitration. For purposes of this provision, �you� includes yourself, any authorized user on the Account, and any of  your agents, beneficiaries or assigns, or anyone acting on behalf of the foregoing, and �we� or �us� includes our employees, parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and to the extent included in a proceeding in which Farm Bur eau Bank, FSB, is a party, its service providers and marketing partners. Any Claims sought to be made or remedies sought to be obtained as part of any class action, private attorney general or other representative action (hereafter all included in the term  �class action�) shall be subject to arbitration, and arbitrated on an individual basis between you and us, not on a class or representative or other collective basis. The arbitrator shall not have any authority to entertain a claim, or to award any relief, on behalf of or against anyone other than a named party to the arbitration proceeding. If any Claim is advanced in a court, arbitration may be elected under this provision instead, and the right to elect arbitration shall not be deemed to have been waive d if the election is made at any time before commencement of  trial. 
Alternatively, you and we may pursue a Claim within the jurisdiction of the Justice of the Peace Court in Nevada, or the equivalent court in your home jurisdiction, provided that the acti on remains in that court, is made on behalf of or against you only and is not made part of a class action, private attorney general action or other representative or collective action. 
The arbitration shall be administered by the American Arbitration Asso ciation, www.adr.org, 950 Warren Avenue, East Providence, Rhode Island, 02914, 1.866.293.4053 (the �Administrator�). The Administrator provides information about arbitration, its arbitration rules and procedures, fee schedule and claims forms at its web site or by mail as set forth above. The Administrator will apply the rules and procedures in effect and applicable to the claim at the time the arbitration is filed. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated with any other arbitration proceedings. The Administrator shall resolve each dispute in accordance with applicable law.   G16530 2.28.2021 Page 12 of 14 If you commence arbitration, you must provide us the notice required by the Admini strator�s rules and procedures. The notice may be sent to our Operations Center at Farm Bureau Bank, FSB, PO Box 33427, San Antonio, Texas 78265 -3427. If we commence arbitration, we will provide you notice at your last known billing address. We agree to ho nor a request by you to remove the action to a Small Claims Court, provided that we receive the request within thirty days of the notice of commencement of arbitration. Any arbitration hearing at which you appear will take place at a location within the federal judicial district that includes your billing address at the time the Claim is filed.  
This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. �� 1-16. No class actions, joinder or consolidation of any Claim with a Claim of any other person or entity shall be allowable in arbitration, without the written consent of both you and us. In the event that there is a dispute about whether limiting arbitration of  the parties� dispute to non-class proceedings is enforceable under applicable law, then that question shall be resolved by litigation in a court rather than by the arbitrator; and to the extent it is determined that resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of competent jurisdiction rather than in arbitration. 
A party can file with the Administrator a written appeal of a single arbitrator�s award within 30 days of award issuance, requesting a new arbitration in front of three neutral arbitrators designated by the Administrator. The panel will reconsider all factual and legal issues, following the same rules of procedure, and will make decisions based on majority vote. Any final arbitration award will be binding on  the named parties and enforceable by any court having jurisdiction. Judgment upon any arbitration award may be entered in any court having jurisdiction.  
We will pay, or reimburse you for, all fees or costs to the extent required by law or the rules of the arbitration Administrator.  Whether or not required by law or such rules, if you prevail at arbitration on any Claim against us, we will reimburse you for any fees paid to the Administrator in connection with the arbitration proceedings. Under no circumstances will we seek from you payment or reimbursement of any fees that we incur in connection with arbitration. In addition, in any arbitration that you elect to file that could be heard in Small Claims Court in your jurisdiction, we will pay the filing fees and other arbitration fees above the cost of filing in that Small Claims Court. If you are required to advance any fees or costs to the arbitration Administrator, but you ask us to do so in your stead, we will consider and respond to your request. 
This arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the termination of the Cardholder Agreement and the Account relationship, including your payment in full, and your filing of bankruptcy. Nothing in this Agreement shall be construed to prevent any party�s use of (or advancement of any claims, defenses, or offsets in) bankruptcy or repossession, replevin, judicial foreclosure or any other prejudgment or provisional remedy relating to any collateral, security or property interests for contractual debts now or hereafter owed by either party to the other under this Agreement. 
ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION YOU AND WE WILL NOT HAVE THE RIGHTS THAT ARE PROVIDED IN COURT INCLUDING THE RIGHT TO A TRIAL BY JUDGE OR JURY AND THE RIGHT TO PARTICIPATE OR BE REPRESENTED IN PROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS ACTIONS OR SIMILAR PROCEEDINGS . IN ADDITION, THE RIGHT TO DISCOVERY AND THE RIGHT TO APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF THESE RIGHTS ARE WAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH  ARBITRATION.  G16530 2.28.2021 Page 13 of 14 Your Billing Rights: Keep this Document 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 a mistake on your statement, write to us at:  Farm Bureau Bank PO Box 33427 San Antonio, TX 78265 
You may also contact us on the Web: 
www.farmbureau.bank  
In your letter, g ive u s the following in formation: 
�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 whyyou believe it is a mistake.
You must contact us: �Within 60 days after the error appeared on your  statement.�At least 3 business days before an automated payment is scheduled, if you want to stop payment on theamount you think is wrong.
You must notify us of any potential errors in writing or electronically. 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 of receiving your letter, we must tel l 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 thebill is correct.
While we investigate whether or not there has been an error:  �We cannot try to collect the amount in question, or report you as delinquent on that  account.�The charge in question may remain on your statement, and we may continue to charge you interest on th at amount.�While you do not have to pay the amount in question, you are responsible for the remainder of your  balance. �We can apply an unpaid amount against your credit  limit.
After we finish our investigation, one of two things will happen:  �If we made a mistake: You will not have to pay the amount in question or any interest or other fees related tothat amount.�If we do not believe there was a mistake: You will have to pay the amount in question, along with applicableinterest and fees. We will send you a statement of the amount you owe and the date payment is due. We maythen report you as delinquent if you do not pay the amount we think you  owe. G16530 2.28.2021 Page 14 of 14 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 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:  1.The purchase must have been made in your home state or within 100 miles of your current mailing addre ss, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchasewas based on an advertisement we mailed to you, or if we own the company that sold you the goods orservices.2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM orwith a 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 ab ove a re met and you ar e still dissatisfied  with the purchase,  contact  us in writing or electronically at:  
Farm  Bureau Ban k 
PO Box 33 427 
San Antonio, T X 78265 
www.farmbureau.bank
While we investigate, t he same r ules apply t o the d isputed a mount  as discussed above. A fter w e finish o ur investigation,  
we will tell you our decision.  At that p oint, i f we think  you owe  an amount a nd you d o not pay, w e may r eport y ou a s 
delinquent.