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

Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau

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.
If you are charged periodic interest, the charge will be no less than $0.
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

Annual Fees
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Fees
Penalty Fees
• Late Payment
• Over-the-Credit-Line
• Returned Payment

FEES

Up to $10

None
None
1.0% of each transaction in U.S. dollars.

Up to $50
None
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 FED ERAL LAW  
 1. FINANCE CHARGES 
 a)  CALCULATION  METHOD S:  Cash  Advance-Method  A,  Credit  Purchases-Method  G  (See 
Periodic Finance Charge Calculation Methods) 
 b)  Periodic  Rates  and  Corresponding  Annual  Percentage  Rates  used  to  compute   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 used to complete 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  applicable  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 greater, 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 within 25 days after the 
Closing Date subsequent to the payment Due Date, 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  transaction  FINANCE  CHARGES  in  connection  with  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 CH ARGES  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  California a  maximum  of  $10 in  Over  Limit  Fees  may  be imposed  with respect  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 extensions will also 
secure your obligations under this agreement. However, unless you expressly agree otherwise, 
your household 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  for 
your obligations to Issuer arising from the 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. Annual Fees shall not be waived for cardholders in default) 

 PERIODIC FINANCE CH ARGE CALCULATION  METHOD S  
 The periodic Finance Charge Calculation Method applicable to your account for Cash Advances 
and  Credit  Purchases  of goods  and  serves  that  you  obtain  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 date your obtained the 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 the total 
by the number of days in the billing cycle. 
 METHOD  E-Average  Daily  Balance  (excluding  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 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 and subtract any payments, credits, non-accruing fees, and unpaid finance 
charges. We do not add in new purchases or cash advances. This gives us the daily balance. Then 
we add up all the daily balances for 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 incurring 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 before the Payment Due Date. No grace period is provided for 
current  cycle  transactions.  The  Finance  Charges  for  a billing  cycle  are  computed by  applying  the 
monthly Periodic Rate to the "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  purchases  (and  cash  advances,  if  Method  G  is  specified  as 
applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if 
applicable,  cash  advances)  appearing  on  your  next  monthly  statement,  you  must  pay  the  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 finance charges. This gives us the daily balance, Then we add 
up all the daily balances for the billing cycle and divide the total by the number of days in the billing 
cycle. 

 TER MS GOVERNING THE U SE OF YOUR C ARD 
 The  person  ("Cardholder")  whose  name  is  embossed  on  the  face  of  the  VISA  ("Card")  enclosed 
herewith, and each Cardholder, in the event more than one Card is enclosed herewith 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 retail 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 Cardholder 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 for 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 to, Cardholder or anyone else using such Card unless the use of such Card is by a person 
other than the Cardholder (a) who does 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 obtained 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 hereinafter 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 Cardholders uses the card to obtain 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 otherwise 
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 indebtedness 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  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. 
 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 accepted 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 to issuer within 25 days of the closing date reflected on the statement either the full 
amount billed or, at Cardholder's option, an installment 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 canceled or surrender is demanded by Issuer, or if Cardholder defaults in any 
payment  due,  or  is  deceased,  bankrupt  or  insolvent,  or  any  attachment  or  garnishment 
proceedings are  initiated  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  otherwise,  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 interest 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  and  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 
Cardholder 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 located. 
 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 
prohibited by law or regulation. No finance Charge will be assessed on such additional charges. 
 M. If it is believed that 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 unauthorized transactions unless it is determined that the 

Cardholder was grossly negligent or 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 with Cardholder. 
 O.  Payments  must  be  made  to  the  Issuer  in  U.S.  dollars  drawn  on a  U.S.  Financial  Institution.  If 
Cardholder incurs charges in any other currency, the charges will be converted  into U.. dollars. The 
exchange rate for transactions in a foreign currency will be 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.  All  transactions  in  foreign  countries  will  be  subject  to  a  1% 
conversion or processing fee. 
 P. Issuer shall have sole discretion in how payments are applied to cardholder's account. Issuer may 
accept checks marked "Payment in Full" or with 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  information  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.  Cardholder  agrees  that  Issuer  may  re-release  information  to  others,  such  as  credit  bureaus, 
regarding the status and history of Cardholder's account. However, Issuer is not obligated to release 
any such information 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.