COMMUNITY BANKER VISA CARDHOLDER AGREEMENT

VISA CLASSIC

Effective	May	1,	2016

1.	 In	 this	 agreement	 “you”	 and	 “your”	 refer	 to	 the	 customer	 and	
means	each	person	who	has	signed	an	application	for	a	Bankers’	
Bank	of	Kansas	(BBOK)	account,	whether	as	an	individual	user	or	
a	 joint	 user.	 “You”	 and	 “your”	 also	 refer	 to	 the	 customer	 who	 has	
signed	a	BBOK	card	or	a	VISA	sales	draft	or	cash	advance	request	
as	an	authorized	signer.	“We”,	“us”,	“our”	and	“Bank”	refer	to	Bankers’	
Bank	of	Kansas,	P.O.	Box	20810,	Wichita,	KS	67208-6810.	“Card”	
means	any	VISA	card(s)	issued	to	you	by	us,	or	other	single	credit	
device	 being	 used	 from	 time	 to	 time	 upon	 presentation	 to	 obtain	
money,	property	or	services	on	credit;	“Card”	is	implied	when	you	
obtain	credit	by	using	your	account	number	without	using	the	Card.	
If	more	than	one	person	has	signed	an	application	for	an	account,	
this	agreement	applies	equally	to	each	signer.

2.	 You	agree	that	this	agreement	is	entered	into	at	Wichita,	Sedgwick	
County,	Kansas,	and	credit	card(s)	are	issued	based	on	our	accep-
tance	of	your	application	at	our	principal	place	of	business	there.

3.	 This	 agreement	 governs	 any	 account	 for	 which	 you	 are	 liable	
now	or	in	the	future.	By	signing	your	card	or	using	your	account,	or	
allowing	someone	else,	you	accept	the	terms	of	this	agreement.

4.	 You	agree	to	sign	your	card	immediately	upon	receipt.	If	you	fail	
to	do	so,	and	your	card	becomes	lost	or	stolen,	you	may	be	liable	
for	any	fraudulent	activity,	if	it	is	determined,	based	upon	substantial	
evidence,	that	you	were	grossly	negligent	in	the	handling	of	the	ac-
count	or	card.

5.	 We	issue	credit	card(s)	at	your	request	for	your	use	alone	but	they	
are	our	property.	We	may	renew	your	card(s)	from	time	to	time.	We	
may	cancel	or	revoke	credit	privileges	at	any	time	without	changing	
your	liability	for	credit	we	have	already	extended	you.	You	agree	to	
deliver	at	our	demand	the	cards	bearing	your	account	number	to	us	
or	to	our	agent.	We	may	issue	you	a	different	card(s)	at	any	time.

6.	 You	authorize	us	to	charge	to	your	account	all	purchases	obtained	
with	your	account	number.	We	agree	to	advance	amounts	necessary	
to	pay	for	all	proper	purchases	and	advances,	provided	you	are	not	
past	due	or	in	default	and	you	abide	by	the	terms	of	this	agreement.

7.	 You	promise	to	pay	in	U.S.	Dollars,	as	this	agreement	requires,	
for	all	authorized	credit	which	is	incurred	with	your	account	number	or	
with	the	card(s)	you	requested.	You	also	promise	to	pay	all	Finance 
Charges	and	other	charges	connected	with	your	credit.

8.	 You	 agree	 that	 “authorized	 use”	 means	 any	 purchase,	 cash	
advance,	mail	order	or	other	credit	incurred	by	the	use	of	your	credit	
card(s)	and/or	your	account	number,	whether	such	use	is	by	you	or	by	
any	other	person	who	is	allowed	to	use	the	card	or	account	number	
by	you,	regardless	of	the	benefit	of	use.	You	agree	that	your	card(s)	
shall	not	be	used	for	any	illegal	transaction.

9.	 You	 agree	 to	 pay	 us	 within	 25  days	 from	 the	 “Closing  Date” 
shown	on	each	monthly	statement,	either	(a)	the	“New Balance” or	
(b)	a	part	of	the	New Balance not	less	than	the	“Minimum Payment 
Due”  that	 we	 have	 calculated	 according	 to	 the	 current	 minimum	
periodic	payment	schedule.	The	schedule	we	now	use	follows:

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	the	
greater	of	(a)	2%	(percent) of	the	New	Balance	(rounded	up	to	the	
nearest	dollar),	(b)	$20.00	or	(c)	1%	of	the	New	Balance	plus	any	
unpaid	FINANCE CHARGES	and	unpaid	fees.	The	Total	Minimum	
Payment	will	include	the	Minimum	Payment	calculated	above,	plus	
any	amount	in	excess	of	your	credit	limit	and	any	amount	past	due.	

Checks	should	be	made	payable	to	VISA.	Only	checks	payable	to	
VISA		will	be	accepted	for	payment.	Checks	you	have	received	from	
another	party	should	not	be	endorsed	over	to	VISA.	That	is,	BBOK	
will	not	serve	as	a	second	endorser.	

From	time	to	time	if	your	account	qualifies,	we	may	allow	you	to	skip	
your	minimum	periodic	payment	during	a	billing	cycle.	If	you	skip	a	
payment,	finance	and	insurance	charges,	if	any,	will	continue	to	be	
due	in	the	month	following	the	month	in	which	you	skip	the	payment.

10.	As	a	condition	of	opening	and	maintaining	your	credit	card	ac-
count,	 you	 will	 be	 charged	 in	 advance	 a	 $50.00	 Annual  Fee  for	
participation	in	the	Scorecard	Bonus	Point	Program,	payable	at	the	
time	said	account	is	opened	and	annually	thereafter,	whether	or	not	
you	 use	 your	 card	 to	 access	 your	 account.	You	 agree	 to	 pay	 this	
Annual Fee,	which	we	will	bill	to	your	account.		To	avoid	said	An-
nual Fee,	you	must,	prior	to	the	annual	anniversary	date	discontinue	
participation	in	the	ScoreCard	Bonus	Point	Program	or	surrender	said	
credit	card(s)	to	BBOK	and	close	this	credit	card	account.

11.	A	FINANCE CHARGE will	be	imposed	on	your	account	under	
the	following	conditions:

a.	 PURCHASES	 	A	 Finance  Charge  will	 be	 imposed	 on	 Credit	
Purchases	only	if	you	elect	not	to	pay	the	entire	New	Balance	shown	
on	 your	 monthly	 statement	 for	 the	 previous	 billing	 cycle	 within	 25 
days	from	the	closing	date	of	that	statement.	If	you	elect	not	to	pay	
the	entire	New	Balance	shown	on	your	previous	monthly	statement	
within	that	25 -day	period,	a	Finance Charge	will	be	imposed	on	
the	unpaid	average	daily	balance	of	such	Credit	Purchases	from	the	
previous	statement	closing	date	and	on	new	Credit	Purchases	from	
the	date	of	posting	to	your	account	during	the	current	billing	cycle,	
and	will	continue	to	accrue	until	the	closing	date	of	the	billing	cycle	
preceding	the	date	on	which	the	entire	New	Balance	is	paid	in	full	or	
until	the	date	of	payment	if	more	than	25 days	from	the	closing	date.

b.	 CASH ADVANCES		A	Finance Charge will	be	imposed	on	Cash	
Advances	from	the	date	made	or	from	the	first	day	of	the	billing	cycle	
in	which	the	Cash	Advance	is	posted	to	your	account,	whichever	is	
later,	and	will	continue	to	accrue	on	the	unpaid	average	daily	bal-
ance	of	such	Cash	Advances	until	the	date	of	payment	if	paid	during	
the	same	billing	cycle,	or	until	the	closing	date	of	the	billing	cycle	
preceding	the	date	on	which	the	entire	New	Balance	is	paid	in	full	
or	until	the	date	of	payment	if	more	than	25 days	from	the	closing	
date.	If	the	New	Balance	shown	on	your	monthly	statement	for	the	
prior	billing	cycle	is	paid	in	full	within	25 days	from	the	closing	date	
of	that	statement,	no	Finance Charges	will	be	imposed	during	the	
current	billing	cycle	for	Cash	Advances	posted	to	your	account	during	
previous	billing	cycles.

The	Finance Charge for	a	billing	cycle	is	computed	by	applying	the	
monthly	Periodic	Rate	to	the	average	daily	balance	of	Cash	Advances,	
which	 is	 determined	 by	 dividing	 the	 sum	 of	 the	 daily	 balances	 by	
the	number	of	days	in	the	billing	cycle.	Each	daily	balance	of	Cash	
Advances	is	determined	by	adding	to	the	outstanding	unpaid	balance	
of	Cash	Advances	at	the	beginning	of	the	billing	cycle	any	new	Cash	
Advances	 posted	 to	 your	 account,	 and	 subtracting	 any	 payments	
as	received	or	credits	as	posted	to	your	account,	but	excluding	any	
unpaid	Finance Charges.

12. INTEREST RATE   

a.	 PURCHASES			If your account is subject to a Finance Charge, 
your  ANNUAL  PERCENTAGE  RATE  may  vary.  Your  Rate  on 
purchases is determined by adding 3.00% to the “Prime Rate” 
published in the Wall Street Journal under the “Money Rates” 
subsection on the last business day of each month. 

The	 Finance  Charge	 for	 a	 billing	 cycle	 is	 computed	 by	 applying	
the	 monthly	 Periodic	 Rate	 to	 the	 average	 daily	 balance	 of	 Credit	
Purchases,	 which	 is	 determined	 by	 dividing	 the	 sum	 of	 the	 daily	
balances	during	the	billing	cycle	by	the	number	of	days	in	the	cycle.	
Each	daily	balance	of	Credit	Purchases	is	determined	by	adding	to	
the	outstanding	unpaid	balance	of	Credit	Purchases	at	the	beginning	
of	the	billing	cycle	any	new	Credit	Purchases	posted	to	your	account,	
and	subtracting	any	payments	as	received	or	credits	as	posted	to	
your	account,	but	excluding	any	unpaid	Finance Charges.

b.	CASH ADVANCES  If your account is subject to a Finance 
Charge, a transaction fee of $5.00 or 2% of the Cash Advance 
amount, whichever is greater, will be imposed for each Cash 
Advance posted to your account during a billing cycle. We will 
compute the Finance Charge on a Cash Advance by applying 
a  “Monthly  Periodic  Rate”  of  1.500%  per  month  (which  is 
a  corresponding  ANNUAL  PERCENTAGE  RATE  of  18%)  as 
follows:

The	 Finance  Charge	 for	 a	 billing	 cycle	 is	 computed	 by	 applying	
the	 monthly	 Periodic	 Rate	 to	 the	 average	 daily	 balance	 of	 Cash	
Advances,	 which	 is	 determined	 by	 dividing	 the	 sum	 of	 the	 daily	
balances	by	the	number	of	days	in	the	billing	cycle.	Each	daily	balance	
of	Cash	Advances	is	determined	by	adding	to	the	outstanding	unpaid	
balance	of	Cash	Advances	at	the	beginning	of	the	billing	cycle	any	
new	Cash	Advances	posted	to	your	account,	and	subtracting	any	
payments	 as	 received	 or	 credits	 as	 posted	 to	 your	 account,	 but	
excluding	any	unpaid	Finance Charges.

13.	OTHER CHARGES	–	In	addition	to	the	Finance Charge and	An-
nual Fee,	you	agree	to	pay	the	bank	the	following	fees	and	charges:

a.	 LATE PAYMENT FEE		If	you	do	not	pay	a	Minimum	Payment	
within	1 day	after	the	Closing	Date	of	the	billing	cycle	in	which	the	
payment	was	due,	a	late	payment	charge	of	$29.00 will	be	imposed	
on	your	account.

b.	 RETURN CHECK FEE		We	will	assess	a	returned	check	charge	
of	$25.00 for	any	check	or	other	form	of	negotiable	instrument	which	
is	presented	for	payment	on	the	account	and	which	is	subsequently	
returned	not	paid.

c.	 INTERNATIONAL  TRANSACTION  FEE	 	 Foreign	 transactions	
are	subject	to	a	fee	by	Issuer,	of	2%	of	the	U.S.	dollar	amount	of	the	
transaction	and	will	apply	to	any	cross-border	transaction	where	the	
licensed	VISA	merchant	and	Issuer	are	located	in	different	countries.	

d.	 DOCUMENTATION CHARGES		You	may	be	assessed	a	charge	
for	copies	you	request	of	a	document	(sales	draft,	cash	advance	draft,	
credit	voucher)	plus	research	time;	copies	of	statements	which	were	
mailed	to	you;	and	any	other	pass-through	fees	assessed	to	us	by	
VISA	in	connection	with	your	account.	No	charge	will	be	imposed	
in	connection	with	any	good	faith	assertion	of	a	billing	error	on	your	
account.	

e.		 All	 costs	 of	 collections	 including	 reasonable	 attorney	 fees	 as	
further	noted	in	paragraph	25	herein.

f.	 ATM USAGE		A	fee	may	be	imposed	by	an	ATM	operator	not	
holding	the	consumer’s	account,	or	by	any	national,	regional,	or	local	
network	used	to	complete	the	transaction.	Automated	teller	machine	
operator	means	any	person	that	operates	an	automated	teller	ma-
chine	at	which	a	consumer	initiates	an	electronic	fund	transfer	or	a	
balance	inquiry	and	does	not	hold	an	account	to	or	from	which	the	
transfer	was	made,	or	about	which	an	inquiry	is	made.	

14.	PAYMENTS AND CREDITS will	generally	be	applied	to	amounts	
outstanding	at	the	time	the	payment	or	credit	is	received	in	the	fol-
lowing	order:

-Cash	Advance	Finance	Charges
-Purchase	Finance	Charges
-Late	Fees
-Annual	Fees
-Cash	Advance	Accruing	Balances	(oldest	balance	is	paid	first)
-Purchase	Accruing	Balances	(oldest	balance	is	paid	first)
-Non-Accruing	Balances

15.	We	agree	at	no	extra	cost	to	provide	you	and	your	spouse	and	
dependent	children	with	up to $500,000	of	insurance	for	accidental	
death	or	dismemberment	whenever	you	travel	on	a	common	carrier	
if	you	buy	your	travel	tickets	with	your	VISA	card.		A	description	of	
insurance	terms	and	conditions	will	be	provided.

16.	If	you	have	given	us	(or	give	us	in	the	future)	a	security	interest	
in	some	of	your	property	(except	your	principal	dwelling)	to	secure	
other	credit	or	loans	from	us,	that	collateral	may	also	secure	your	
credit	card	account.

17.	We	set	your	credit	line	when	we	open	your	account,	and	we	may	
change	it	from	time	to	time.	You	agree	not	to	incur,	or	to	let	others	
incur,	charges	on	your	account	that	exceed	your	credit	line.	If	the	
total	charges	do	exceed	the	credit	line,	you	agree,	when	we	request,	
to	make	a	payment	to	reduce	the	total	on	your	account	to	an	amount	
below	your	credit	line.	Your	credit	line	will	appear	on	each	monthly	
statement.

18.	If	you	revoke	the	authority	of	someone	to	use	your	account,	re-
vocation	is	not	effective	until	that	person’s	card	expires	or	you	return	
it	to	us,	whichever	is	first;	provided,	however,	each	joint	user	agrees	
to	pay	all	amounts	due	us	for	charges	made	by	any	joint	user	until	
all	cards	are	returned	to	us	and	the	balances	are	paid	in	full.

	
	
	
	
	
	
	
19.	You	agree	to	notify	us	promptly	by	telephone	of	the	loss	or	theft	
of	any	credit	card	bearing	your	account	number.	You	may	notify	us	
by	telephone	at (727) 570-4881 or (800) 325-3678.

You	will	not	be	liable	for	any	unauthorized	use,	unless	we	determine,	
based	on	substantial	evidence,	that	you	were	grossly	negligent	in	
the	handling	of	the	account	or	card.

20.	You	agree	that	“unauthorized	use”	means	the	use	of	a	credit	card	
which	has	occurred	or	may	occur	as	the	result	of	loss,	theft	or	other	
wrongdoing,	and	which	is	by	a	person	other	than	you	or	your	agent,	
who	does	not	have	actual,	implied	or	apparent	authority	for	such	use,	
and	from	which	you	receive	no	benefit.

21.	We	 are	 not	 accountable	 if	 anyone	 refuses	 to	 honor	 a	 credit	
card	 with	 your	 account	 number.	All	 Credit	 Purchases	 and	 Loans	
are	effected	at	the	option	of	the	Seller	and	Cash	Advancing	Bank,	
respectively,	and	Issuer	shall	not	be	responsible	for	refusal	by	any	
Seller	or	Cash	Advancing	Bank	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.

22.	You	 agree	 to	 advise	 us	 promptly	 if	 you	 change	 your	 mailing	
address.	We	can	accept	address	corrections	from	the	U.S.	Postal	
Service.	All	written	notices	and	statements	from	us	to	you	will	be	sent	
to	your	address	as	it	appears	on	our	records.

23.	We	will	consider	your	account	past	due	if	you	fail	to	pay	at	least	
your	minimum	payment	in	funds	acceptable	to	us	by	the	date	it	is	
due.	Your	 account	 will	 remain	 past	 due	 until	 any	 previous	 unpaid	
payment	is	paid.

24.	We	can	consider	you	in	default	if	you	provide	us	with	false	in-
formation	or	signature,	if	you	try	to	exceed	or	do	exceed	your	credit	
line	without	our	permission,	if	you	fail	to	provide	updated	information	
which	we	request	from	time	to	time,	if	you	move	(either	temporarily	
or	permanently)	outside	the	United	States,	if	you	become	subject	to	
bankruptcy	or	insolvency	proceedings,	if	attachment	or	garnishment	
proceedings	are	instituted	against	you	or	your	property,	if	there	is	
an	event	which	we	believe	causes	the	prospect	of	payment	to	be	
significantly	impaired,	if	you	fail	to	comply	with	any	provision	of	this	
agreement	or	in	the	event	of	death.	Default	on	any	account	with	us	
will	constitute	default	on	all	accounts	with	us.	Upon	default,	at	our	
option	and	under	applicable	law,	we	can	declare	all	amounts	on	your	
account	immediately	due	and	payable.	Also,	we	can	exercise	all	rights	
available	to	us	under	law	to	collect	what	you	owe	us.	All	remedies	
are	cumulative	and	our	failure	to	exercise	any	one	shall	not	affect	
our	rights	to	any	other	remedy.

25.	If	the	Bank	incurs	collection	costs	or	attorney	fees	in	connection	
with	your	account,	as	permitted	by	applicable	law,	you	agree	to	pay	
the	reasonable	costs	of	collection,	including,	but	not	limited	to,	at-
torney	fees	and	collection	fees	in	an	amount	not	to	exceed	15%	of	
your	unpaid	debt	on	your	account	if	such	limitation	is	required	by	law.

26.	If	you	make	a	payment	with	a	check,	money	order,	or	other	type	
of	instrument	marked	“Payment	in	Full”	or	other	language	indicating	
satisfaction	of	indebtedness,	we	are	not	bound	by	such	language	
and	do	not	waive	any	rights	under	this	agreement.	Where	full	pay-
ment	of	any	indebtedness	owing	under	this	agreement	is	not	made,	

satisfaction	of	indebtedness	shall	occur	only	pursuant	to	a	written	
agreement,	signed	by	an	authorized	employee	of	the	Bank.

is	an	error.	If	you	need	more	information,	describe	the	item	you	are	
not	sure	about.

Communications regarding disputed balances must be sent to:
Customer Service, P.O. Box 30495, Tampa, FL 33630.

27.	Payments	must	be	made	to	Issuer	in	U.S.	dollars	drawn	on	a	U.S.	
bank.	If	the	authorized	signer	incurs	charges	in	any	other	currency,	
the	charges	will	be	converted	into	U.S.	dollars.	
VISA  –	The	 exchange	 rate	 between	 the	 transaction	 currency	 and	
the	billing	currency	used	for	processing	international	transactions	is:
-	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.

28.	We	can	change	the	terms	of	this	agreement	including	changing	
the	 periodic	 rate	 and	 the	 annual	 percentage	 rate	 on	 the	 existing	
balance	of	your	account	to	the	maximum	rate	allowed	by	law,	even	
if	that	maximum	rate	increases	after	the	date	of	this	agreement.	We	
will,	of	course,	comply	with	applicable	law	about	notice	to	you	if	we	
make	any	changes.

29.	We	can	waive,	or	choose	not	to	enforce,	any	of	our	rights	under	
this	agreement	at	any	time,	without	the	waiver	affecting	any	of	our	
other	rights.	A	waiver	on	one	occasion	will	not	act	as	a	waiver	of	the	
same	right	at	a	future	time.

30.	 We	 may	 sell,	 assign	 or	 transfer	 your	 account	 or	 any	 portion	
thereof,	without	notice	to	you.	You	may	not	sell,	assign	or	transfer	
your	account	without	first	obtaining	our	prior	written	consent.

31.	From	time	to	time	we	may	monitor	telephone	calls	between	you	
and	us	to	assure	the	quality	of	our	customer	service.

32.	We	both	agree	that	this	agreement	is	governed	by	the	laws	of	
Kansas	except	to	the	extent	that	federal	law	applies.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

This	notice	contains	important	information	about	your	rights	and	our	
responsibilities	under	the	Fair	Credit	Billing	Act.

Notify us in Case of Errors or Questions About Your Bill

If	you	think	your	bill	is	wrong,	or	if	you	need	more	information	about	
a	transaction	on	your	bill,	write	us	on	a	separate	sheet	of	paper	at	
the	address	listed	on	your	bill.	Write	to	us	as	soon	as	possible.	We	
must	hear	from	you	no	later	than	60	days	after	we	sent	you	the	first	
bill	on	which	the	error	or	problem	appeared.	You	can	telephone	us,	
but	doing	so	will	not	preserve	your	rights.

In	your	letter,	give	us	the	following	information:

-Your	name	and	account	number.

-The	dollar	amount	of	the	suspected	error.

-Describe	the	error	and	explain,	if	you	can,	why	you	believe	there	

If	you	have	authorized	us	to	pay	your	credit	card	bill	automatically	
from	your	savings	or	checking	account,	you	can	stop	the	payment	
on	any	amount	you	think	is	wrong.	To	stop	the	payment	your	letter	
must	reach	us	three	business	days	before	the	automatic	payment	
is	scheduled	to	occur.

Interest Rates and Interest Charges
Annual Percentage Rate 
6.5%
(APR) for Purchases
This APR  will  vary  with  the  market  based  on  the  Prime 
Rate.  See  “Interest  Rate”  section  of  this  agreement  for 
more details.

Your  Rights  and  Our  Responsibilities After  We  Receive  Your 
Written Notice

APR for Balance Transfers Same as Purchase Rate

We	must	acknowledge	your	letter	within	30	days,	unless	we	have	
corrected	the	error	by	then.	Within	90	days,	we	must	either	correct	
the	error	or	explain	why	we	believe	the	bill	was	correct.

After	we	receive	your	letter,	we	cannot	try	to	collect	any	amount	you	
question,	or	report	you	as	delinquent.	We	can	continue	to	bill	you	
for	the	amount	you	question,	including	finance	charges,	and	we	can	
apply	any	unpaid	amount	against	your	credit	line.	You	do	not	have	
to	pay	any	questioned	amount	while	we	are	investigating,	but	you	
are	still	obligated	to	pay	the	parts	of	your	bill	that	are	not	in	question.

If	we	find	that	we	made	a	mistake	on	your	bill,	you	will	not	have	to	
pay	any	finance	charges	related	to	any	questioned	amount.	If	we	
did	not	make	a	mistake,	you	may	have	to	pay	finance	charges,	and	
you	will	have	to	make	up	any	missed	payments	on	the	questioned	
amount.	In	either	case,	we	will	send	you	a	statement	of	the	amount	
you	owe	and	the	date	that	it	is	due.

If	you	fail	to	pay	the	amount	that	we	think	you	owe,	we	may	report	you	
as	delinquent.	However,	if	our	explanation	does	not	satisfy	you	and	
you	write	to	us	within	10	days	telling	us	that	you	still	refuse	to	pay,	
we	must	tell	anyone	we	report	you	to	that	you	have	a	question	about	
your	bill.	And,	we	must	tell	you	the	name	of	anyone	we	reported	you	
to.	We	must	tell	anyone	we	report	you	to	that	the	matter	has	been	
settled	between	us	when	it	finally	is.

If	we	do	not	follow	these	rules	we	cannot	collect	the	first	$50.00	of	
the	questioned	amount,	even	if	your	bill	was	correct.

Special Rule for Credit Card Purchases

If	you	have	a	problem	with	the	quality	of	property	or	services	that	
you	purchased	with	a	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	property	or	services.	There	
are	two	limitations	on	this	right:

You	must	have	made	the	purchase	in	your	home	state	or,	if	not	within	
your	home	state,	within	100	miles	of	your	current	mailing	address;	and

The	purchase	price	must	have	been	more	than	$50.00.

These	limitations	do	not	apply	if	we	own	or	operate	the	merchant,	
or	if	we	mailed	you	the	advertisement	for	the	property	or	services.

Paying Interest

APR for Cash Advance

18%
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 on the 
transaction date.

For Credit Card Tips from 
the Federal Reserve Board

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 Fee

Transaction Fees
   • Balance Transfer
   • Cash Advance

   • Foreign Transaction

None or $50 for Scorecard 
Rewards

None
Either $5 or 2% of the amount 
of  each  cash  advance, 
whichever is greater.

2% of U.S. dollar amount of 
the transaction

Up to $29
Up to $25

Penalty Fees
   • Late Payment
   • Returned Payment
How We Will Calculate Your Balance: We use a method 
called  “average  daily  balance  (including  new  purchases).” 
See “Balance Calculation” section.
Billing  Rights:  Information  on  your  rights  to  dispute 
transactions and how to exercise those rights is provided in 
this cardholder agreement. See “Your Billing Rights” section 
for more details.
COMM BNKR  Rev. 05/16