CARDHOLDER AGREEMENT 

This  document  is  our  standard  form  credit  card  agreement  in  effect  on  the  last  business  day  of  the  previous  calendar 
quarter  that  ended  on  December  31,  2018  and  has  been  supplemented  with  pricing  information  included  in  the 
document(s) titled “Term &  Conditions” 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  Agreement  establishes  the  terms  of  your  credit  card  account  (“Account”)  with  Farm  Bureau  Bank  FSB,  Sparks, 
Nevada. Please read it carefully and keep it with your records. You do not need to sign this Agreement, but please sign 
the back of your credit card (the “Card”), if you have not already done so. All extensions of credit in connection with your 
Account are being made by Farm Bureau Bank, FSB. 

Definitions. If we use a capitalized term in this document but we do not define the term in this document, the term has the 
meaning as used in your monthly statement. 

“Agreement” means this document, the Terms & Conditions and any changes we make to these documents from time to 
time. 

“Authorized User” means any person you allow to use your Account including without limitation through a Card, Check, the 
account number, or other credit device. 

“Balance Transfer” means the use of your Account for a loan obtained by a transfer of funds initiated by us at your request, 
and includes the use of a Balance Transfer Check. 

“Cash  Advance”  means  the  use  of  your  Card  or  account  number  to  obtain  cash  loans  at  any  financial  institution  or 
automated teller machine that accepts the Card, the use of a Cash Advance Check or the purchase of Cash Equivalents. 

“Cash  Equivalent”  means  the  use  of  your  Card  or  account  number  to  obtain  money  orders,  traveler’s  checks,  foreign 
currency,  lottery  tickets,  gambling  chips,  wire  transfers,  person  to  person  money  transfers  (including  but  not  limited  to 
transfers facilitated over the Internet), or the use of your Account to open a deposit account or to transfer value to a stored 
value card at a location or through a merchant other than a financial institution and any other transaction that MasterCard, 
Visa and/or American Express (as applicable to your Account) may designate as a Cash Equivalent.  

“Check” or “Convenience Check” means an access check we provide to you to make a Cash Advance or a Balance Transfer 
as  applicable  on  your  Account.  A  Check  can  be  either  a  Balance  Transfer  Check  or  a  Cash  Advance  Check  and  will  be 
designated as such by us. 

“Daily Periodic Rate” or “DPR”  means the applicable APR divided by 365. DPRs are used to calculate your interest for all 
cardholders that are not residents of Iowa when your Account is opened. 

“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 

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Transactions  and  the  Transaction  Fees  associated  with  any  Foreign  Transaction  are  considered  Purchases  for  interest 
calculation purposes. 

“Monthly Periodic Rate” or “MPR” means applicable APR divided by 12. MPRs are used to calculate your interest charges if 
you are a resident of Iowa when your account is opened. 

“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 & 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 at any time. 

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. 

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 your 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 without presenting the 
Card, or 3) any other circumstances where you authorize a charge, or authorize someone else to 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 

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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 crediting 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 instrument 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. 

Credit  Limit/Authorized  Usage.  Your  Credit  Limit  is  shown  on  the  folder  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 exceed 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  many  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 time, but 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 revolving 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 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 discretion 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. 

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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. 

The provisions describing 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  and  whether  the 
applicant is a resident of Iowa. The following two options contain the various provisions that could apply, and one of these 
options will be reflected in the Cardholder Agreement assigned at account opening: 

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, or Cash Advances 
to the appropriate balance, 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 to 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. 

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 transactions 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 

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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  Statement  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 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 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 (defined  below)  is  less  than $20, the  Minimum Payment Due equals the New  Balance shown on 

your monthly statement. 

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 
billing cycles on a deferred interest balance that ended during the billing cycle covered by the statement), 

•  Any Minimum Interest Charge, and 
•  Any 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 any billing 
cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month’s required Minimum 
Payment Due by your next Payment Due Date. 

Variable Rate Information 

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 1.81167% - 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 1.81167% - 1.81167% for residents of Iowa 
at the time of account opening (if applicable)). 

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APR for Cash Advances: The variable  rate equals the Prime Rate plus a margin of 21.99%, (this corresponds to a current 
DPR of 0.06025%) (this corresponds to a current MPR of 1.8325% for residents of Iowa at the time of account opening (if 
applicable)). 

Penalty APR: The variable rate equals the Prime Rate plus a margin from 0% to 23.99%, (this corresponds to a current DPR 
of 0.00000% - 0.06573%) (this corresponds to a current MPR of 0.00000% - 1.99917% for residents of Iowa at the time of 
account opening (if applicable)). 

Variable  Rate  Information.  The  following  applies  to  any  APR  on  your  Account  that  varies  with  the  market  based  on  the 
Prime  Rate.  The  standard  Annual  Percentage  Rates  (APRs)  on  our  Account  that  are  used  to  determine  the  amount  of 
interest to be charged for Purchases, Balance Transfers, Cash Advances, and the Penalty APR are variable rates. The APRs 
on your Account correspond to a daily periodic rate (“DPR”) or a monthly periodic rate (“MPR”) which is applicable only to 
residents of Iowa at the time of Account opening. The applicable DPRs/MPRs on your Account equal 1/365th (or 1/12th for 
residents of Iowa at the time of Account opening) of the sum of 1) the applicable Prime Rate, 2) plus the margin(s) listed 
above for each Purchase, Balance Transfer, or Cash Advance balance or the margin listed above if a Penalty APR applies. 
The “Prime Rate” used in determining the APRs in each billing cycle will be the highest rate published in the Money Rates 
column of The Wall Street Journal on the last business day of each month. An increase or decrease in the Prime Rate will 
cause a corresponding increase or decrease to your variable rates on the first day of the billing cycle that begins in the same 
month  in  which  the  applicable  Prime  Rate  is  published.  There  is  no  limitation  on  the  amount  of  any  increase.  Any  such 
increase or decrease will cause a corresponding increase or decrease in the amount of interest assessed and possibly in the 
amount of the Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the 
definition of the U.S. Prime Rate, we may substitute another index. 

How the Penalty APR may apply to Your Account: The APRs on your Account may be increased each time you fail to pay at 
least the Minimum Payment Due when it is due. We will determine the amount of the Penalty APR increase based on our 
review of your credit history at the time (including your credit performance with other creditors). Our notice will specify the 
balances to which the Penalty APR will be applied. The Penalty APR may continue to apply to these balances indefinitely. 
However,  the  Penalty  APR  will  cease  to  apply  to  certain  existing  balances  if,  after  the  Penalty  APR  goes  into  effect,  you 
make the next six consecutive minimum payments in a row when due. 

Transaction Fees. We may charge and you agree to pay each of the following transaction fees: 

• 

• 

• 

• 

If you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such Cash 
Advance. 
If  you  use  your  Card  or  Account  to  do  a  Balance  Transfer,  we  will  charge  a  Balance  Transfer  Fee  for  each  such 
Balance Transfer. 
If you use your Card or Account to purchase Cash Equivalents, we will charge a Cash Advance Fee (sometimes we 
may refer to this as a Cash Equivalent Fee) for each such transaction. 
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  &  Conditions,  located  under 
Disclosures on www.farmbureaubank.com. 

Account Fees. In addition to the fees listed in the Terms & Conditions, we may also assess the Account Fees listed below. 

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Annual  Fee  -  If  your  account  has  an  Annual  Fee,  generally  it  will  be  billed  at  account  opening  and  every  twelve  months 
thereafter. The amount of the Annual Fee, if there is one on your Account, is listed in the Terms & Conditions. 

Late Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due by the 
Payment Due Date shown on  your monthly statement, we may charge you a Late Payment Fee. The amount of the Late 
Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of 
the applicable Minimum Payment Due. In addition, the first time you pay late, the fee will not exceed $25. If you again pay 
late within six billing cycles, the fee will not exceed $35. 

Late Payment Fee for Residents of Iowa at the Time of Account Opening – If we do not receive a payment from you in at 
least the amount of your Minimum Payment Due  by  the Payment Due Date  shown on your monthly  statement, we may 
charge you a Late Payment Fee. The amount of the Late Payment Fee will be determined in accordance with applicable law. 
Thus, the fee generally will be the amount of the applicable Minimum Payment Due or $15, whichever is less. 

Returned Payment Fee - If your bank does not honor a check or direct debit you deliver to us, or we must return a check 
because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The amount of the Returned 
Payment Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of 
the  applicable  Minimum  Payment  Due.  In  addition,  the  first  time  you  make  a  payment  that  is  returned,  the  fee  will  not 
exceed $25. If you again make a payment that is returned within six billing cycles, the fee will not exceed 
$35. 

Returned Payment Fee for Residents of Iowa at the Time of Account Opening – If your bank does not honor a check or 
direct debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, we may charge 
you a Returned Payment Fee. The amount of the Returned Payment Fee will be determined in accordance with applicable 
law. Thus, the fee will be the amount of the applicable Minimum Payment Due or $15, whichever is less. 

Returned Check Fee - If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance Check) 
unpaid because it exceeds your available Credit Limit at the time it is processed, your Account is closed or otherwise does 
not have charge privileges, you did not comply with our instructions regarding the Check or your Account is past due, we 
may  charge  you  a  Returned  Check  Fee.  The  amount  of  the  Returned  Check  Fee  will  be  determined  in  accordance  with 
applicable law. Thus, the fee generally will not exceed the amount of the returned Convenience Check. In addition, the first 
time a Convenience Check is returned, the fee will not exceed $25. If you again have a Convenience Check returned within 
six billing cycles, the fee will not exceed $35. 

Returned  Check  Fee  for  Residents  of  Iowa  at  the Time  of  Account  Opening  –  If  we  return  a  Convenience  Check  (which 
includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit line at the time 
it  is  processed,  your  Account  is  closed  or  otherwise  does  not  have  charging  privileges,  you  did  not  comply  with  our 
instructions regarding the check or your Account is past due, we may charge you a Returned Check Fee. The amount of the 
Returned  Check  Fee  will  be  determined  in  accordance  with  applicable  law.  Thus,  the  fee  generally  will  not  exceed  the 
amount of the returned Convenience Check or $20, whichever is less. 

Check Stop Payment Fee – If we stop payment on a Convenience Check at your request, we may charge you a Check Stop 
Payment Fee of up to $39.95. 

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Check Stop Payment Fee for Residents of Iowa at the Time of Account Opening – If we stop payment on a Convenience 
Check at your request, we may charge you a Check Stop Payment Fee of $29. 

Foreign  Currency  Conversion.  For  MasterCard  Cards,  we  and  MasterCard  (or  their  affiliates)  will  convert  transactions  in 
foreign currencies into U.S. Dollars. MasterCard will use their currency conversion procedures that are current at the time 
of the transaction. Currently, the currency conversion rate they use is either the wholesale market rate or the government-
mandated  rate  in  effect  under  those  procedures  increased  by  one  percent.  The  currency  conversion  rate  used  on  the 
conversion date may differ from the rate in effect on the date you used your Card or Account. 

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 charged $5 for each duplicate 
requested for each statement that is less than 25 months old. If the requested statement is 25 months or more you will be 
charged  $10  for  each  requested  statement.  If  you  request  any  special  services  such  as  obtaining  Cards  on  an  expedited 
basis, you agree to pay our reasonable charges for such service, in effect at that time. 

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 applicable 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 event 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 

G15809 12.31.18 Page 8 of 15 

 
 
 
 
 
 
 
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 required consents, you affirmatively consent to receive all periodic billing 
statements and other notices electronically when legally permissible. Otherwise, statements and notices 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 to retain your statements and notices, you must 
have a printer attached to your computer that can print them out or a drive or other storage 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 and retain 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. 

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 initiate 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. 

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  names  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 

G15809 12.31.18 Page 9 of 15 

 
 
 
 
 
 
 
consumer reporting agency reflecting the inaccurate information, and an explanation of why you believe 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 REPORT RELECTING 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, 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 Account 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 number(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. 

Our Rights Continue. Our failure or delay in exercising any of our rights under this Agreement does not mean that we are 
unable to exercise those rights later. 

G15809 12.31.18 Page 10 of 15 

 
 
 
 
 
 
 
 
 
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 credit 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. 

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 either visit the website on the 
back of your Card and send us an e-mail or 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. 

Sale of Account and Assignment to Farm Bureau Bank. This Account was originated by Barclays Bank Delaware but may 
be subsequently sold, assigned, or transferred to Farm Bureau Bank, FSB or to any other person or entity. Farm Bureau 
Bank, FSB may at any time, and without any notice to you, sell, assign, or transfer your Account, any sums due on your 
Account, this Agreement or our rights or obligations under your Account or this Agreement. The person(s) to whom we 
make  any  such  assignment  shall  be  entitled  to  all  of  our  rights  under  the  Agreement,  to  the  extent  sold,  assigned,  or 
transferred. 

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. 

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. 

G15809 12.31.18 Page 11 of 15 

 
 
 
 
 
 
 
 
 
 
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  Bureau  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 waived 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 action 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  Association,  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. 

If  you  commence  arbitration,  you  must  provide  us  the  notice  required  by  the  Administrator’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 honor 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. 

G15809 12.31.18 Page 12 of 15 

 
 
 
 
 
 
 
 
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. 

G15809 12.31.18 Page 13 of 15 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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, Texas 78265 

You may also contact us on the Web:   www.farmbureaubank.com

In your letter, give us the following information: 

•  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 why you 

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 the amount 

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 tell 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 the bill 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  that 

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 to that 
amount. 
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We  will send  you  a  statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you owe. 

G15809 12.31.18 Page 14 of 15 

 
 
 
 
 
 
 
 
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 address, and 
the  purchase  price  must  have  been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  purchase  was 
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services. 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with 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 above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:  

Farm Bureau Bank 
PO Box 33427 
San Antonio, TX 78265 
www.farmbureaubank.com 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we 
will  tell  you  our  decision.  At  that  point,  if  we  think  you  owe  an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent. 

G15809 12.31.18 Page 15 of 15