PRICING INFORMATION ADDENDUM 

Annual Percentage 
Rates (APRs) 

Cabela's Purchases: 
Other Purchases*: 
Balance Transfer APR: 
Cash Advance APR: 

9.99% 
One Month LIBOR plus 14.99% - 20.99% 
One Month LIBOR plus 24.99% 
One Month LIBOR plus 24.99% 

*The APR for Other Purchases (and the margin added to the One Month LIBOR to
determine this APR) will depend on World’s Foremost Bank’s evaluation of the
application and the applicant’s credit history.

Variable Rate 
Information 

The APR for (1) Other Purchases, (2) Cash Advances and (3) Balance Transfers may vary. The 
rate is determined monthly by adding 14.99% - 20.99% for Other Purchases and by adding 
24.99% for Cash Advances and Balance Transfers to the One Month LIBOR. 

For any transactions that accrue interest at variable rates (as reﬂ ected in the Addendum to the 
Cardholder Agreement), the rate will be adjusted monthly based on the One Month LIBOR (rounded 
to the nearest hundredth) published in the Money Rates section of the Wall Street Journal on the 
last business day of each month (“Index”). We add a margin to the Index to get the annual 
percentage rate that will apply to that category of transactions. See the Addendum to the 
Cardholder Agreement for your margin. An increase in the Index will result in an increase in the 
annual percentage rate, Interest Charges, and may result in an increase of the required Minimum 
Payment Due. Any change to the annual percentage rate as a result of a change in the Index will 
apply to all outstanding balances for the category of transactions to which the variable rate applies. 
There is no limit on the amount by which the annual percentage rate may increase. 

Grace period 

The due date is at least 25 days after the close of each billing cycle. We will not charge interest on 
purchases if the entire balance is paid by the due date each month. We will begin charging interest 
on cash advances and balance transfers on the transaction date. 

Balance Computation 
Method 

Balance Computation 
Method Explanation 

Average Daily Balance (including new transactions) 

We calculate the Interest Charge on your Account by multiplying the Average Daily Balance 
(including new transactions) by the Daily Periodic Rate. Then, we multiply that result by the number 
of days in the billing cycle. We do this separately for each type of balance: Cabela’s Purchases (i.e., 
those made at Cabela’s stores, Cabela’s catalogs, or online at www.cabelas.com), Purchases other 
than Cabela’s Purchases (“Other Purchases”), Balance Transfers, Cash Advances, and promotional 
balances (see “Special Promotions”). To determine the total Interest Charge for the billing cycle, we 
add up all the Interest Charges for each type of balance.

To calculate an Average Daily Balance, for each day of the billing cycle we take (1) your beginning 
balance; (2) add any new transactions, Interest Charges, Fees and other charges (as applicable); 
and (3) subtract any payments or other credits to get that day’s Daily Balance. The Daily Balance is 
considered to be $0.00 for any day on which the Account has a credit balance. We add all your Daily 
Balances and divide the total by the number of days in the billing cycle to get the Average Daily 
Balance. To calculate a Daily Periodic Rate, we divide the annual percentage rate by 365.

Transaction Fees 

Cash Advances: 
Balance Transfers: 

4.0% of amount advanced, $10 minimum 
4.0% of amount transferred, $10 minimum 

Foreign Currency Transaction: 

1.0% of each transaction in U.S. dollars 

Penalty Fees 

Late Payment Fee: 

Up to $37 

Reviewed on 7/1/16
Information accurate as of quarter ending: 6/30/2016