INTEREST
RATE
AND
INTEREST
CHARGES
Annual
Percentage
Rate(APR)
for
Purchases
13.90%
Standard
APR
based
on
your
credit
worthiness.
APR
for
Cash
Advances
13.90%
Standard
APR
based
on
your
credit
worthiness.
Paying
Interest
We
will
not
charge
you
any
interest
on
purchases
if
you
pay
your
entire
balance
by
the
due
date
each
month.
The
Interest
Charge
on
cash
advances
begins
from
the
date
you
obtained
the
cash
advance.
Minimum
Interest
Charge
If
you
are
charged
periodic
interest,
the
charge
will
be
no
less
than
$0.
For
Credit
Card
Tips
from
the
Consumer
Financial
Protection
Bureau
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
Annual
Fees
Up
to
$10
Transaction
Fees
�
Balance
Transfer
None
�
Cash
Advance
None
�
Foreign
Fees
1.0%
of
each
transaction
in
U.S.
dollars.
Penalty
Fees
�
Late
Payment
Up
to
$50
�
Over-
the-
Credit-
Line
None
�
Returned
Payment
None
How
We
Will
Calculate
Your
Balance:
We
use
a
method
called
�average
daily
balance
(including
new
purchases)�.
Billing
Rights:
Information
on
your
rights
to
dispute
transactions
and
how
to
exercise
those
rights
is
provided
in
your
account
agreement.
Loss
of
Introductory
APR:
N/A
 Cache Valley Bank - Card Regulations  
 DISCLOSURES REQUIRED BY FEDERAL LAW  
 1. FINANCE CHARGES  
 a) CALCULATION METHODS: Cash Advance -Method A, Credit Purchases -Method G (See 
Periodic Finance Charge Calculation Methods)  
 b) Periodic Rates and Corresponding Annual Percentage Rates used t o comput e  Finance 
Charges are disclosed in the accompanying term disclosure.  
 C) CASH ADVANCE FEES: None. For each ATM Cash Advance, a transaction fee may also be 
imposed by an ATM operator, not holding your account, or by any national, regional or local 
network us ed to complet e a Cash Advance transaction.  
 2, OVER LIMIT CHARGES. None. Cardholder shall immediately pay the amount by which the 
total New Balance exceeds the maximum authorized credit.  
 3. ANNUAL FEE.  
 a) A non -refundable Annual Fee of $10.00 plus appl icable taxes, shall be charged to your 
account or  
 b) Using Plan 3 (see Section 11) an annual fee shall be charged unless for the time period 
analyzed, you had 3 or more transactions on your card.  
 4. MINIMUM PAYMENT  
 a) The minimum payment required is the  New Balance shown on your statement if the amount is 
equal to or less than $20.00  
 b) If the New Balance exceeds $20.00, the minimum payment is 5% of that portion of the new 
balance which does not exceed your credit limit (rounded up to the nearest dollar ) or $20.00,  
whichever is great er, plus the portion of the New Balance in excess of your credit limit, plus any 
amount past due.  
 5. LATE CHARGES: If the minimu m required payment is not received wit hin 25 days after the 
Closing Dat e subsequent to the payme nt Due Dat e, a late charge equal to the greater of $2.00,  
or 5% of the unpaid portion of the past due amount is imposed, but not to exceed $50.00.  
 6. The only FINANCE CHARGES assessed on your account other than those assessed by a 
periodic rate will be tr ansaction FINANCE CHARGES in connection wit h Cash Advances or 
International Transaction Fees (i.e. cross -border and/or currency conversion fees) or up to 1%,  
which may qualify as a FINANCE CHARGE (See item O), if part of your plan. Transactions 
FINANCE CHA RGES for each Cash Advance will be imposed on the date the Cash Advance 
was posted to your account. No grace period applies on any transaction FINANCE CHARGE 
imposed for Cash Advances.  
 7. Documentary stamp taxes as may be required by law shall be imposed on each Cash 
Advance at the time the loan is made.  
 8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE 
CHARGES, unless prohibited by law.  
 9. In Calif ornia a maximum of $10 in Over Limit Fees may be imposed with res pect to any 
charge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent,  
whichever is less. No more than one over limit charge may be assessed within a single monthly 
billing cycle.  
 10. If you have other loans or credit ex tensions from Issuer, or take out other loans or credit  
extensions with issuer in the future, collateral securing those loans or credit ext ensions will also 
secure your obligations under t his agreement. However, unless you expressly agree otherwise,  
your h ousehold goods and dwelling will not secure your obligations under this agreement even if  
Issuer has, or later acquires, a security interest in the household goods or a mortgage on the 
dwelling. If you have executed a written agreement granting a security interest in any deposit  
accounts (checking , savings, or share accounts) or other funds held by Issuer to secure your 
obligations under this credit card plan, such accounts and/ or funds are additional security f or 
your obligations to Issuer arising from th e use of your card.  
 11. Annual Fee Plans: Your Annual Fee waiver analysis under the Plan noted in Section 3 b.  
only includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances;  
Plan 3: Net Sales; Plan 4: Net Cash Advances; Plan 5 : Gross Sales plus Gross Cash Advance;  
Plan 6: Net Sales plus Net Cah Advances (Note: Time period analyzed shall be prior 12 month 
period; however, initial time period may be less than 12 months as it begins on the date you were 
notified of this program. A nnual Fees shall not be waived for cardholders in default)  
  
  
 PERIODIC FINANCE CHARGE CALCULATION METHODS  
 The periodic Finance Charge Calculation Method applicable to your account for Cash Advances 
and Credit Purchases of goods and serves that you obt ai n through the use of your Card is 
specified in Section 1 on the Disclosure and explained below:  
 METHOD A -Average Daily Balance (including current transactions). The Finance Charge on 
purchases begins from the date the transaction is posted to your account  and the Finance 
Charge on cash advances begins from the dat e your obt ained t he cash advance, 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 Finance Charges for a billing cycle  are computed by applying the monthly Periodic 
Rate to the "average daily balance" of your account. To get the average daily balance, we take 
the beginning balance of your account each day, add any new purchases of cash advances, and 
subtract any payments,  credits, non -accruing fees, and unpaid finance charges. This gives us 
the daily balance. Then we add up all the daily balances for the billing cycle and divide t he tot al 
by the number of days in the billing cycle.  
 METHOD E -Average Daily Balance (excludin g current transactions). To avoid incurring an 
additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as applicable to cash advances) reflected on your monthly statement, you must pay the New 
Balance shown on your  monthly statement on or before t he Payment Due Date. The grace period f or 
the New Balance of purchases extends to the Payment Due Date. The Finance Charges for a billing 
cycle are computed by applying the monthly Periodic Rate to the "average daily balanc e" of purchases 
(and if applicable, cash advances). To get the average daily balance, we take the beginning balance 
of your account each day and subtract any payments, credits, non -accruing fees, and unpaid finance 
charges. We do not add in new purchases o r cash advances. This gives us the daily balance. Then 
we add up all the daily balances f or the billing cycle and divide the total by the number of days in the 
billing cycle.  
 METHOD F -Average Daily Balance (including current transactions) To avoid incurri ng an additional 
Finance Charge on the beginning balance of cash advances (and purchases, if Method F is specified 
as applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance 
shown on your monthly statement on or bef ore the Payment Due Date. No grace period is provided for 
current cycle transactions. The Finance Charges f or a billing cycle are computed by applying the 
monthly Periodic Rate to t he "average daily balance" of cash advances (and if applicable,  purchases).  
To get the average daily balance, we take the beginning balance of your account each day, add any 
new purchases or cash advances, and subtract any payments, credits, non -accruing fees, and unpaid 
finance charges. This gives us the daily balance. Then we a dd up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle.  
 METHOD G -Average daily Balance (including current transactions). To avoid incurring an additional 
Finance Charge on the balance of purchase s (and cash advances, if Method G is specified as 
applicable t o cash advances) reflected on your monthly stat ement and, on any new purchases (and if  
applicable, cash advances) appearing on your next mont hly statement, you must pay t he New 
Balance, shown on  your monthly statement, on or before the Payment Due Date. The grace period for 
the New Balance of purchases extends to the Payment Due Date. The Finance Charges for a billing 
cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases 
(and if applicable, cash advances). To get the average daily balance, we take the beginning balance 
of your account each day, add any new purchases or cash advances, and subtract any payments, 
credits, non -accruing fees, and unpaid fi nance charges. This gives us the daily balance, Then we add 
up all the daily balances for the billing cycle and divide the tot al by the number of days in the billing 
cycle.  
  
 TERMS GOVERNING THE USE OF YOUR CARD  
 The person ("Cardholder") whose name is em bossed on the face of the VISA ("Card") enclosed 
herewith, and each Cardholder, in the event more than one Card is enclosed herewit h 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 printed above ("Issuer") as follows:  
 A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by 
Cardholder from any ret ail Business establishment ("seller") who honors same upon the execution of a 
sales slip evidencing such Credit Purchases 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  Car dholder 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 f or 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 t o, Cardholder or anyone else using such Card unless the use of such Card is by a person 
other than the Cardholder (a) who doe s 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 obt ained through the use o f 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 herein after collectively called ("Related Cards")  
 C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in this Disclosure) for 
participation in the issuer's credit card plan. Such annual membership fee shall be imposed whether or 
not Cardho lders uses the card to obt ain credit purchases and loans. The membership fee shall be 
charged to Cardholder's account each year in the month of Issuer's choice. The membership fee is not  
refundable in the event of termination of the account by either Cardh older or Issuer unless ot herwise 
provided by law.  
 D. Each card is the property of the 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.  
 E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or 
Loans, which will increase Cardholder's indebt edness to Issuer to an amount in excess of the limit 
established by Issuer . 
 F. 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 t o 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.  
 G. 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 accept ed by Cardholder and all holders of Related Card unless Issuer is notified 
to the contrary in writing with 60 days of mailing of such statement. Cardholder will pay such statement    
 by remitting t o issuer within 25 days of t he closing date reflected on t he stat ement either t he full 
amount billed or, at Cardholder's option, an inst all ment equal to a least the required minimum 
payment stated in Section 4.  
 H. Interest on Loans and Credit Purchases will be charged in accordance with the finance 
charge calculation method referred to in Section 1 of the disclosures on the reverse side. The  
rate of interest shall be established by Issuer from time to time but shall never er exceed the 
maximum rate permitted by law. The current interest rate per annum is the Annual Percentage 
Rate set forth in Section 1 of the Disclosure.  
 I. If the card is c anceled or surrender is demanded by Issuer, or if Cardholder def aults in any 
payment due,  or is deceased, bankrupt or insolvent, or any attachment or garnishment  
proceedings are initiat ed 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 Cardhold er's obligations under this 
agreement. However, unless the Cardholder expressly agrees ot herwise, the Cardholder's 
household goods and dwelling will not secure Cardholder's obligations under this agreement  
even if Issuer has or later acquires a security in terest 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 a nd attorney's fees incurred in appellate, bankruptcy and post -judgment  
proceedings, except to the extent such costs, fees, or expenses are prohibited by law.  
 J. This agreement may be amended from time to time by issuer by written notice mailed to 
Cardhold er at Cardholder's last known address  
 K. Except to the extent that Federal Law is applicable, the validity, construction and enforcement  
of this agreement and all matters 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 locat ed.  
 L. 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 of  use your card for a transaction at an automated teller machine, if such charges are not  
prohibit ed by law or regulation. No finance Charge will be assessed on such additional charges.  
 M. If it is believed t hat 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 unaut horized transactions unless it is determined that the Cardholder was grossly negligent o r fraudulent in the handling of the Card. Notification can be made 
orally or in writing at:  
 Credit Card Security Department  
 P.O. Box 30035  
 Tampa, Florida 33630  
 Telephone Number  
 (727) 570 -4881 
 N. Cardholder agrees that Issuer, its agents or service co mpanies may monitor and/or record any 
telephone communications wit h Cardholder.  
 O. Payments must be made t o the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If  
Cardholder incurs charges in any ot her currency, the charges will be converted  into U.. dollars. The 
exchange rate for transactions in a f oreign currency will be a rat e 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 i tself receives, or the government mandated rat e in effect f or the 
applicable central processing date. All transactions in f oreign countries will be subject to a 1% 
conversion or processing fee.  
 P. Issuer shall have sole discretion in how payments are appl ied to cardholder's account. Issuer may 
accept checks marked "Payment in Full" or wit h words of similar effect without losing any of Issuer's 
rights to collect the full balance of Cardholder's account.  
 Q. Issuer can reinvestigate and reevaluate any inform ation 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.  
 R. C ardholder agrees that Issuer may re -release information to others, such as credit bureaus,  
regarding t he status and history of Cardholder's account. However, Issuer is not obligated t o release 
any such inf ormation to anyone unless Issuer is required by law  to do so.  
 S. 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 
transactions.