Farm Bureau� Member Rewards Mastercard� 
 Page 1 of 2 Rewards MC Terms_2022.06.30 
Terms and Conditions 
The information provided below in these Terms and Conditions, along with the Cardholder Agreement(s), certain account pricing and terms that were available to certain applicants that applied for and were approved for certain credit card accounts on the last business day of the calendar month that ended on 
June 30 , 2022 . These account terms may not be available after that date. 
These documents are being provided to you for informational purposes only. If you apply and are approved for a credit card account with us, your actual account terms will be based on the terms of the offer available at the time that you applied, what you are approved for, and your actual Cardholder Agreement will be the agreement sent to you when your account is first opened.  
FARM BURE AU MEMBER REWARDS MASTERCARD INTEREST RATES AND INTEREST CHARGES  
Annual  Percentage  Rate  [APR] for 
Purchases  0.00% Introductory APR for the first 9 billing cycles. 
14.49% to 26.49%  APR after that based on your credit worthiness. 
This APR will vary with the market based on the Prime Rate.  
APR for Cash  Advances  26.74/5  APR 
This APR will vary with the market based on the Prime Rate. 
APR for Balance  Transfers  14.49% to 26.49%  APR based on your credit worthiness. 
This APR will vary with the market based on the Prime Rate. 
Penalty  APR and When  It Applies  Up to 28.74%  based on your credit worthiness. This APR will be applied to your account if you make alate payment. This APR will vary with the market based on the Prime Rate. 
How Long  Will the Penalty  APR Apply?  If your APRs are increased for this reason, the Penalty APR may apply until you make six (6) consecutive minimum payments when due. 
Paying  Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. You will lose your grace period on purchases if you do not pay the statement balanc e (including any transferred or cash advance balances) in full each month, by the payment due date. 
Minimum  Interest  Charge  If you are charged interest, it will be no less than $2.00 ($0.50 for residents of Iowa at the time of account opening).  
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.    Farm Bureau� Member Rewards Mastercard� 
 Page 2 of 2 Rewards MC Terms_2022.06.30 
 
FEES  
Annual  Fee $0 
Transaction  Fees   
� Balance Transfer Fee  $10 or 4% of the amount of each transfer, whichever is greater.  
We may from time to time offer you lower Transaction Fees on Balance Transfers and Checks.
 
� Cash Advance Fee  Either $10 or 5% of each transaction amount, whichever is greater.  
� Foreign Transaction Fee  3% of each transaction in US dollars.  
Penalty  Fees   
� Late Payment Fee  Up to $35 (the amount of the fee varies by state, see below) . 
� Over-the-Credit-Line Fee  None  
� Returned Payment Fee  Up to $35 (the amount of the fee varies by state, see below) . 
Additional  Check  Related  Fees   
� Returned Check Fee  Up to $35 (the amount of the fee varies by state, see below) . 
� Check Stop Payment Fee  Up to $39.95  (the amount of fee varies by state, see below). 
How We Will Calculate Your Balance:  We use a method called �daily balance (including new purchases).� If you are a resident of Iowa at the time the account is opened, we use a method called � average daily balance (including new purchases) .� These methods are explained in the cardholder agreement.  
Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment.  
Military Lending Act:  Covered borrowers under Military Lending Act; Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer cred it. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated wi th credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain applicatio n fees for specified credit transactions or accounts); and any participation fee charged (ot her than certain participation fees for a credit card account). Please call our toll-free number 800.492.3276 from Monday � Friday, 7 am � 7 pm CT and Saturday, 8am � 12pm CT if you would prefer an oral disclosure of the payment obligation for this account  before using the account or activating the card. 
FEES THAT VARY BY STATE  
Late Payment Fee:  Up to $35 (Up to $15 for residents of Iowa at time of account opening).  
Returned Payment Fee:  Up to $35 (Up to $15 for residents of Iowa at time of account opening ).  
Returned Check Fee:  Up to $35 (Up to $20 for residents of Iowa at time of account opening).  
Check Stop Payment Fee:  Up to $39.95 (Up to $29 for residents of Iowa at time of account opening).  
Billing Rights : Information on your rights to dispute transactions and how to exercise those rights is provided in the cardholder agreement. 
 
As of 06/30/2022  the Prime Rate was 4.75%.