How We Will Calculate Your Balance:  We use a method called “average daily balance (including new purchases).”

Loss of Introductory APR:  We may end your Introductory APR and apply the Penalty APR if you fail to make a minimum monthly payment  within 60 days after the payment due date

Additional Account Disclosures
Terms of  the account, including APRs and fees, are subject to change  in accordance with the terms of the account agreement and applicable laws.

The Prime Rate used to determine your APR (referenced in the table in the accompanying account disclosure) is the highest Prime Rate published in the "Money Rates" table in The Wall Street Journal two business days prior to the Statement/Closing Date for that billing period.

 Other Fees Applicable to your Account:  Convenience Check (Cash Advance Check) Transaction Fee – 4% of the U.S. dollar amount of the Convenience Check (minimum $10); Statement Reprint fee - $5; Copy fee - $15 per sales draft; Account Research fee - $15 per hour ($10 minimum); Returned Check Fee - $39 (if we return a Convenience Check unpaid for any reason).

 Find out about changed information:  The information about rates, fees and other costs disclosed in the accompanying  account disclosure is accurate as of November, 2009. This information may have changed after that date. To find out what may have changed, write State Farm Bank®, P. O. Box 84062, Columbus GA 31908-4062 or call us toll free at 1-877-SF4-VISA (1-877-734-8472).

Información importante sobre los procedimientos a seguir para abrir una nueva cuenta
Para ayudar al gobierno en la lucha contra el financiamiento del terrorismo y el lavado de dinero, las leyes federales requieren que todas las entidades financieras obtengan, verifiquen y registren información que identifica a cada persona que abre una cuenta. Qué significa esto para usted: Cuando abra una cuenta, le pediremos su nombre, domicilio, fecha de nacimiento y otra información que nos permita identificarlo. También podemos pedirle ver su licencia de conducir u otro documento de identificación.

Estándares garantizados
State Farm Bank ("Banco") incentiva a cualquier individuo interesado a enviar una solicitud para cualquier producto que ofrece el Banco. También lo incentivamos a obtener información sobre los estándares de suscripción del Banco para cada tipo de crédito o servicio, ingresando a statefarm.com o comunicándose con el Banco al 1-877-SF4-BANK (1-877-734-2265). Para solicitar un producto del Banco, debe además ponerse en contacto con un agente participante de State Farm.

Autorizaciones y acuerdos adicionales
By submitting this application, you are applying for a credit card account with  State Farm Bank, F.S.B. Bloomington, IL. You acknowledge that you have reviewed all the information entered on the application and affirm that it is true and complete. To be eligible for this Account, you must have a minimum annual income of $3,000, a checking or savings account with any financial institution, and be a student enrolled in a post-secondary school. You must be at least 18 years of age and a U.S. citizen or permanent resident alien with a valid permanent home address within the 50 United States or the District of Columbia to be eligible  for an account (additional limitations may apply if you are under age 21). You authorize us to obtain one or more consumer credit reports to determine your eligibility for credit, renewal of credit, future extensions of credit or any other legitimate business purpose in connection with your account. We will consider your application for a State Farm Visa credit card. We will verify your credit status, income and other information. Based on this information, we determine the actual credit line on your account.  We may issue credit on different terms than those you applied for. We reserve the right not to open any account. If an account is opened, you agree that the use of the account, account number, or any card issued in connection with the account constitutes your acceptance of, and is subject to, the terms and conditions of the State Farm Bank Credit Card Agreement and Disclosure Statement ("Cardholder Agreement") that will be sent with your card(s).  You agree to be responsible for all charges incurred on the account according to the Cardholder Agreement. For joint credit card accounts, you are responsible, both together and individually, for the entire outstanding balance on the account. You  agree that the Cardholder Agreement and your account are governed by Federal law and by the laws of the State of Illinois to the extent that Federal law is not controlling, and that the Cardholder Agreement is subject to change (including, but not limited to, an increase in rates and fees) in accordance with the provisions of applicable law. The terms described in this application supersede those in all previous applications.

Términos y condiciones de transferencia de saldo
You agree to allow approximately 30 days to process your Balance Transfer request, pay the amount, and transfer the balance to your State Farm Visa credit card account. Interest may begin to accrue on the transferred balance as of the date the balance is transferred to your State Farm Visa credit card. Until you confirm that a Balance Transfer has been completed, you should continue to make all required payments on the other account(s). State Farm Bank is not responsible for any fees or interest charges incurred on an account prior to its transfer, nor for any remaining balance or additional charges in the event the payment amount you authorized does not satisfy an outstanding balance. We will not close your other accounts. In the event you wish to close another account after transferring the entire outstanding balance to your State Farm Bank credit card account, you must still contact the other issuer or creditor directly. The minimum individual transfer request that will be honored is $50 and the total amount(s) paid and transferred under this offer is limited to 94% of your total credit line in order to leave part of your line available for Purchases. If you submit concurrent Balance Transfer requests that exceed this transfer limit, we will process your requests from highest to lowest dollar amount, may decline to process one or more requests and will not complete a request by making a partial payment. Your credit card account must be in good standing and State Farm Bank reserves the right to refuse any Balance Transfer request. Balance Transfer requests may not be used to pay any existing balances on any State Farm Bank credit card account, nor can they be processed if made payable to you, an individual, a deposit account, or cash. If you make purchases at any time during a statement cycle in which you have an outstanding Balance Transfer, you must pay the entire New Balance (including the Balance Transfer balance) shown on your account statement by the Payment Due Date in order to avoid accruing Interest charges on those purchases. During any Introductory period, we may terminate any Introductory rate on Balance Transfers  if you fail to make a minimum monthly payment within 60 days after the payment due date.

Aviso para los residentes casados de Wisconsin: Ninguna disposición de ningún contrato de patrimonio conyugal, declaraciones unilaterales u orden judicial que se aplique a los bienes conyugales afectará desfavorablemente los intereses de State Farm Bank a menos que, antes de que se otorgue el crédito, State Farm Bank cuente con una copia del contrato, declaración u orden judicial, o que State Farm Bank reciba aviso concreto de dicha disposición.

Los residentes casados de Wisconsin deben suministrar el nombre y la dirección de sus cónyuges en:
State Farm Bank
P.O. Box 84062
Columbus, Georgia 31908-4062