CREDIT CARD AGREEMENT & DISCLOSURE STATEMENT                                         G-14584            

This Agreement applies to the VISA and/or MasterCard credit Card and Credit Devices issued to you by 
TIB-The Independent BankersBank, Georgia Branch, although the name on your Card may be that of a 
different financial institution. Any Card or Credit Device issued to you by us remains our property and 
must  be  returned  to  us  or  to  anyone  we  designate,  upon  request.  Retaining,  signing  or  using,  or 
permitting  others  to  use,  the  Card  or  Credit  Device  shall  constitute  the  equivalent  of  signing  this 
Agreement  and  such  retaining,  signing  or  using  means  you  agree  to  be  bound  by  the  terms  of  this 
Agreement. The Application you submitted for the Account is hereby incorporated into and made a part 
of this Agreement. This Agreement begins on the earlier of (i) the date you sign or otherwise submit an 
Application that is approved by us or (ii) the first date you or someone authorized by you uses the 
Account in a transaction that we approve (in NY, the first date you or someone authorized by you signs 
a  sales  slip  or  memorandum  or  the  first  date  that  another  document  is  issued  to  you  or  someone 
authorized by you as evidence of a transaction on the Account that we approve). 

Definitions.  In addition to other terms that may be defined in this Agreement, the following terms when 
used in this Agreement have the following definitions: 

1. 

2. 

3. 

4. 

5. 

6. 

7. 

8. 

9. 

"Account" means the open-end revolving credit account established pursuant to your Application 
and this Agreement to which charges are posted based on use of a Card, information from a Card, 
Credit Device, or any other device or procedure by which the Account may be accessed in the 
future. 

"Agreement"  means  this  Credit  Card  Agreement  plus  the  Disclosure  Statement,  which  is 
contained in the same envelope as, and folded together with, this Credit Card Agreement and 
which provides information on the periodic rate, the Annual Percentage Rate, the Interest Charge 
and balance on which it is determined, any Other Charges, cash advance fees, balance transfer 
fees, and any grace period applicable to the Account. The Disclosure Statement is incorporated 
herein by reference as if repeated verbatim herein. If any provision of this Credit Card Agreement 
is inconsistent with any provision of the Disclosure Statement, the provision of the Disclosure 
Statement controls. 

"Application" means the application for credit you completed and returned to the Sponsoring 
Bank to request that we extend credit to you under the Account. 

"Authorized  User"  means  any  person  you  permit  to  use  the  Account  or  who  has  apparent 
authority to use the Account. 

"Card" means the VISA and/or MasterCard credit card(s) issued to you by us, and any future 
credit card(s) issued to you in connection with the Account.  If you applied for more than one 
type of Card, this Agreement is a separate Agreement for each Card. 

“Cash  Advance”  means  the  amount  requested  by  you  and  advanced  to  you  by  any  method 
approved  by  us  according  to  the  terms  of  this  Agreement  in  cash  or  cash  equivalent  items 
(including,  but  not  limited  to,  money  orders,  travelers  checks,  lottery  tickets,  casino  chips, 
vouchers redeemable for cash, or racetrack wagers). 

"Credit Device" means any device such as a blank check, payee-designated check, "convenience" 
or "special" check, blank draft or other order, or any other device or item which may, at our 
discretion and pursuant to procedures we may adopt from time to time, be issued by us to you to 
access the Account. 

"Credit Limit" means the total dollar amount of the Account which we approved and which you 
may borrow against according to the terms of this Agreement. 

"Index" means the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 
largest U.S. banks) published in the Wall Street Journal on the 25th day of each month or the 
business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the 
Board  of  Governors  of  the  Federal  Reserve  System.  Changes  in  the  Index  will  take  effect 
beginning with the first billing cycle in the month following a change in the Index.  Increases or 
decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or 
decreased Interest Charges on the Account. 

10. 

“Other Charges” means the charges listed in the section of this Agreement with such caption. 

11. 

12. 

"We,"  "us,"  and  "our"  mean  TIB-The  Independent  BankersBank,  Georgia  Branch,  1550  N.  
Brown Road, Suite 150, Lawrenceville, Georgia 30043. 

"You" and "your" refer to each person who signed an application for the Account, each person 
who signs or uses the Card or a Credit Device, and any Authorized User. 

Purchases, Cash Advances and Balance Transfers.  You request and authorize us to extend credit to 
you under the Account as follows:  (1) goods and services may be purchased or leased by use of the 
Card  from  any  seller  or  vendor  who  honors  the  Card  ("Purchases");  (2)  "Cash  Advances"  may  be 
obtained (a) when you complete a written request on a form furnished to you by us or any other financial 
institution we approve; (b) using the Card at any automatic teller machine which accepts the Card; or (c) 
using a Credit Device to pay for Purchases or, when allowed, to receive cash.  (3) “Balance Transfers” 
may be obtained when you complete a request. We are not responsible for any person or entity refusing 
to accept the Card or any Credit Device for Purchases or Cash Advances. 

Promise to Pay.  You promise to pay us for all Purchases made by you and for all Cash Advances and 
Balance  Transfers  received  by  you  except  as  limited  in  this Agreement  regarding  your  liability for 
unauthorized use of a Card or Credit Device.  You shall be jointly and severally liable for all amounts 
due from you under this Agreement for Purchases, Cash Advances, Balance Transfers, Interest Charges, 
and Other Charges. 

Special Checks. If Special Checks are issued from time to time for use with your Account, you may 
obtain what is deemed to be a Cash Advance under the Account by writing a check. Each Special Check 
must  be  in  a  form  we  have  issued  to  you  and  must  be  imprinted  with  your  name  and  the  Account 
number. Special Checks may be used only by a person whose name is printed on the Check and must be 
completed and signed in the same way as a regular personal check. You agree not to use your Special 
Checks to purchase or carry securities or to pay amounts you owe us under this Agreement. We are not 
obligated to pay a Special Check (a) if your resulting Account balance would exceed the Credit Limit, 
(b) if the Check is dated more than 6 months before it was presented to us for payment, (c) if a Special 
Check or Card has been reported lost or stolen, (d) if you are in default under this Agreement or a loan 

agreement with another lender, (e) if you or we have terminated your ability to receive further credit 
under this Agreement, (f) if you are insolvent, or (g) if your Card has expired. The amount of each 
Special Check paid by us, even if we are not obligated to pay it, will be a Cash Advance. Checks paid by 
us will not be returned to you with your monthly billing statement, but information about them will 
appear  on  such  statement.  You  agree  you  will  promptly  review  your  monthly  billing  statement  to 
discover any unauthorized or altered Special Checks.  You cannot put a stop-payment order on a Special 
Check. 

Refunds and Adjustments.  Any refund, adjustment, or credit allowed by any seller or other person or 
entity  shall not be by cash but rather by a credit to the Account appearing on your monthly billing 
statement. 

Monthly Billing Statements.  Each month we will send you a monthly billing statement reflecting all 
Purchases, Cash Advances, Balance Transfers, Interest Charges and Other Charges pursuant to this 
Agreement for the prior monthly period.  Such statements shall be deemed correct and accepted by you 
unless you notify us to the contrary in writing within 60 days of our mailing such statement to you. 

Payments on the Account.  Your payment under the Account must be made on or before the "Payment 
Due Date" reflected on your monthly billing statement.  Your payment must be either the full amount 
billed or, at your option, an installment equal to at least the required "Minimum Payment Due" stated on 
the billing statement.  The minimum payment will equal the "New Balance" shown on your statement if 
that amount is less than $15.  If the New Balance exceeds $15, the minimum payment will equal the 
greater of 3% of the New Balance or $15, plus the entire portion of the New Balance in excess of your 
Credit Limit, plus any amount past due. 

Payments must be made in U.S. dollars drawn on a U.S. bank.  Transactions in foreign currencies will be 
converted to U.S. dollars at the exchange rate used at the time of the conversion.  The conversion may 
occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at 
the time of the transaction.  You agree to pay the converted amount to us in U.S. dollars, plus any charge 
for the conversion or processing that may be imposed. 

All payments on the account must be made at the address shown on your monthly billing statement and 
are  considered  to  have  been  made  on  the  date  received  at that address.  If payment is made at any 
location other than the designated address, credit for such payment may be delayed for up to 5 days.  As 
allowed by law, we may accept payments marked "payment in full" (or words of similar intent) without 
losing any of our rights to collect the full balance due under the Account and this Agreement.  We will 
apply your payments to the unpaid balance of the Account in the order and manner we decide, in our 
sole discretion. 

Payment Holidays.  At our option we may permit you from time to time to skip making the Minimum 
Payment Due for a specified billing cycle (referred to as a "payment holiday").  Even if you accept such 
a payment holiday, we will continue to assess Interest Charges on the unpaid balance of the Account as 
disclosed in the Insert.  Any payment holiday we permit will not affect the terms of this Agreement.  The 
terms of this Agreement remain in force regardless of whether you accept a payment holiday. 

Credit Limit.  You agree not to use or permit others to use the Card, information from the Card, or a 
Credit Device if such use would cause the balance of the Account to exceed the Credit Limit we set from 
time to time. The initial Credit Limit for the Account is shown on the material accompanying the Card 
before the Account is used and will also be disclosed on each monthly billing statement for the Account. 
We may, at our option, extend credit under the Account which exceeds the Credit Limit.  If we do so, 
you may be charged an over-the-limit fee for exceeding the Credit Limit as provided in this Agreement 
and you agree to immediately pay the excess which we advanced to you over either of the applicable 
limits.  We are not obligated to allow any Purchase or Cash Advance which will exceed your Credit 
Limit, and if we do, we are not obligated to do so at a later time.  You agree we may change your Credit 
Limit or cancel the Account if you exceed the Credit Limit. 

Transactions Made in Foreign Currencies.  If a transaction is made in a foreign currency, we and 
MasterCard  International  or  VISA  International,  depending  on which card is used, will convert the 
transaction into a U.S. dollar amount.   MasterCard and VISA will act in accordance with their operating 
regulations or conversion procedures in effect at the time the transaction is processed. Currently, their 
regulations  and  procedures  provide  that  the  currency  conversion  rate  they  use,  to  determine  the 
transaction amount in U.S. dollar, is either (a) a wholesale market rate, or (b) a government-mandated 
rate in effect one day prior to the processing date. MasterCard and VISA increase this conversion rate by 
one  percent  (1%)  and  keep  this  increase  as  compensation  for  performing  the  currency  conversion 
service.  We will charge you one percent (1%) of the U.S. dollar amount of the transaction converted 
from a foreign currency. The currency conversion rate calculated in this manner that is in effect on the 
processing date may differ from the rate in effect on the transaction date or posting date.  

Other Charges.  You agree we may assess, in addition to the Interest Charge, the Other Charges below 
which charges will be earned when assessed and are not subject to refund or rebate.  The following fees 
may be added, as applicable, to the Account and treated as a Purchase as indicated on the Insert: 

1. 

2. 

4. 

5. 

Annual Fee.  A non-refundable annual membership fee may be charged to the Account during the 
month  following  issuance  or  re-issuance  of  the  Card  and  will  be  posted  annually  on  the 
anniversary date of the opening of the Account.  The annual membership fee is not refundable 
even if the Account is closed for any reason by either you or us, and the fee is a condition of 
maintaining the Account whether or not you use the Account by making Purchases or receiving 
Cash Advances. 

Late Fee.  If the minimum required payment is not received by the Payment Due Date for that 
billing cycle, we may assess a late charge on the Account. The late charge will be five percent 
(5%) of the past-due amount or $15, whichever is greater (maximum fee of $25). The $15 dollar 
amount  may  increase  each  July  1st  pursuant  to  the  rule  of  the  Administrator  of  the  Georgia 
Department of Consumer Credit. 

Returned Payment Fee.  We will charge you $10 for each return by a bank or other depository 
institution of a dishonored check, negotiable order of withdrawal or share draft issued by you to 
us in connection with the Account.  This fee will be in addition to all other Interest Charges and 
Other Charges we may collect from you and is not subject to refund or rebate. 

Pay-by-Phone.  If you request an agent assisted payment be made to your Account through an 
electronic funds transfer, you agree to pay a fee of $10 in addition to the amount of the payment. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6. 

International Transactions Fee.  One percent (1%) of the U.S. dollar amount of the transaction 
converted from a foreign currency. 

Termination; Default.  We may reduce the Credit Limit or terminate your ability to receive further 
credit under this Agreement at any time without notice.  You may terminate your ability to receive 
further credit under this Agreement by giving us notice of termination and returning to us all Cards and 
Credit Devices.  Termination by you will be effective on the date we receive written notice from you 
along with the Cards and Credit Devices (unless they are lost or stolen, in which case you agree to sign 
an affidavit to that effect and stating that no credit received after the date of loss or theft was authorized 
by you). 

You will be in default under this Agreement if any of the following events occur:  (1) you fail to make 
the  required  payment  when  due;  (2)  you  fail  to  perform  or  abide  by  any  of  your  agreements  or 
obligations  under  this  Agreement  or  any  other  loan  agreement  you  have  with  us;  (3)  you  become 
insolvent  (meaning  your  liabilities  exceed  your  assets  or  you  are  unable  to  pay  your  debts  as  they 
become due); (4) any action is taken by or against you under any bankruptcy or insolvency laws; (5) any 
attachment  or  garnishment  proceedings  are  initiated  against  you;  (6)  you  die  or  are  declared 
incompetent; (7) we, in good faith, believe the prospect of your payment or performance under this 
Agreement is impaired; or (8) you fail or refuse to provide current financial information to us when we 
request it. 

On any termination or default, regardless of any unused credit you may have under the Account, all 
amounts you owe under the Account and this Agreement will become immediately due and payable in 
full.  You must also return to us all Cards and Credit Devices issued to you in connection with the 
Account.  Termination or default shall not release you from any obligation you have incurred under this 
Agreement.  After termination or default, your obligations and our rights under this Agreement shall 
remain effective until the entire outstanding balance of the Account is paid in full. 

Attorneys Fees and Costs.  To the extent permitted by law, you agree to pay our attorneys fees and 
other costs we incur if you are in default and we hire an attorney who is not our salaried employee to 
collect amounts you owe under the Account and this Agreement.  Amounts you owe for attorneys' fees 
will be added to the outstanding balance of the Account as a Purchase whether or not your right to 
receive credit has terminated or you are in default. 

Amendment to this Agreement.  This Agreement, and the terms of the Account, may be amended by us 
if we send you written notice of the amendment prior to its effective date as required by law.  As of the 
amendment's  effective  date,  the  change  in  terms  will apply to the entire outstanding balance of the 
Account as well as Purchases made, Cash Advances and Balance Transfers received after the effective 
date of the amendment.  If you do not agree to the amendment, your only option is termination under 
this Agreement. 

Venue  and  Jurisdiction  of  Lawsuits.    The  parties  agree,  consent  and  contract  that  the  venue  and 
jurisdiction of any lawsuit brought by TIB-The Independent BankersBank to enforce this agreement or 
collect any sum or sums of money due and owing under this agreement shall be in Dallas County, Texas 
or any county contiguous to Dallas County, Texas. 

The  parties  further  agree  that  any  action  or  cross  action  brought  by  a  cardholder  against  TIB-The 
Independent BankersBank regarding this contractual agreement shall be brought in Dallas County, Texas 
or any county contiguous to Dallas County, Texas. 

Governing Law; Severability.  You agree that your obligations under this Agreement represented by 
charges to the Account are contracted for and become binding when the sales drafts, credit card slips, or 
other Credit Devices are accepted by us and we cause the holders of the same to be paid.  You agree that 
these events occur in Georgia. This Agreement is subject to federal law and, to the extent not preempted 
by federal law, the laws of the State of Georgia (except to the extent that this Agreement can and does 
vary from such rules or laws), without regard to conflict of laws principals. If any provision of this 
Agreement conflicts with the law, you agree the provision will be viewed as if it was amended to comply 
with the law.  If that is not possible, then only the provision that conflicts with the law will be deleted.  
The remaining provisions of this Agreement will remain effective. 

Credit  Reports.    You  agree  that  we  may  obtain  consumer  credit  reports  from  one  or  more  credit 
reporting agencies or others in connection with opening or maintaining the Account, increasing the 
Credit Limit under the Account, or making any extension of credit to you under the Account.  We may 
also ask you for additional information in connection with the Account and request credit reports to 
verify your current credit standing.  You agree that we may release information to others, such as credit 
reporting agencies, regarding the status and history of the Account.  However, we are not obligated to 
release any such information unless required by law. 

We may report information about your Account to credit bureaus. Late payments, missed payments, or 
other  defaults  on  your  Account  may  be  reflected  in  your  credit  report.  If you believe that we have 
furnished any inaccurate information relating to your Account to any consumer-reporting agency, you 
may notify us by phone or mail at 1-800-367-7576; Card Service Center, PO Box 569120, Dallas, TX 
75356. To help us respond to your notification, include your account number, Social Security Number, 
the name of the 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 appropriate address and toll-free number: Equifax, P.O. Box 
740241, Atlanta, GA 30374, 800.685.1111; Trans Union, P.O. Box 1000, Chester, PA 19022, 800-916-
8800; or Experian, P.O. Box 2002, Allen, TX 75013, 888.397.3742. 

Change in Marital Status.  A change in marital status between any of you will not affect the individual 
liability of any of you under this Agreement.  Your liability for debt incurred after a change in status 
does not end until all Cards and Credit Devices are returned to us, even if you give us notice of the 
change in status and notice that further use by any person is unauthorized. 

Notices.  Notices given under this Agreement or relating to the Account will be effective only if given in 
writing to us at TIB-The Independent BankersBank, P.O Box 569120, Dallas, Texas 75356-9120, and to 
you at your last address shown on our records.  You agree to notify us immediately if your address 
changes from that show on the application you submitted in connection with opening the Account. 

Liability for Unauthorized Use.  If any Card is lost or stolen or otherwise may be used without your 
permission (express or implied), you must immediately notify us orally or in writing at the following 

phone number or address:  1-800-367-7576 or at TIB-The Independent BankersBank, P.O Box 569120, 
Dallas, Texas 75356-9120.  If unauthorized use of a Card occurs before you notify us of the loss, theft or 
unauthorized use, you may be liable up to a maximum amount of $50.  If unauthorized use of a Credit 
Device occurs, you may be liable for all of the unauthorized use. 

State Law Disclosures. CA Residents: Interest is compounded on unpaid Interest Charges on Purchases, 
Cash Advances and Balance Transfers. MD Residents: You have the right under Section 12-510 
of the Commercial Law Code to receive an answer to a written inquiry concerning the 
status of your Account. NJ Residents: Because certain provisions of this Agreement are subject to 
applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these 
provisions, however, is void, unenforceable or inapplicable in New Jersey. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE 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 an error on your statement, write to us at BBCS, Attn:  Dispute Department, 1550 
North Brown Road, Suite 150, Lawrenceville, GA  30043 as soon as possible. 

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 and 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.  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 you 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  the  amount.    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 any 
unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

1. 

2. 

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. 

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  of  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. 

2. 

3. 

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.) 
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. 
You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at BBCS, Attn:  Dispute Department, 1550 North Brown Road, Suite 150, Lawrenceville, 
GA  30043. 

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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
DISCLOSURE STATEMENT 

 The Credit Card Agreement & this Disclosure Statement constitute the Agreement for the Account. 

Platinum Cards 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers and 
Cash Advances 

How to Avoid 
Paying Interest on 
Purchases 

4.25% 
This APR will vary with the market based on 
the Prime Rate. a 

4.25% 

This APR will vary with the market based on 
the Prime Rate. a 

Your due date is at least 25 days after the 
close of each billing cycle.  We will not 
charge you any interest on purchases if you 
pay your entire balance by the due date each 
month. 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

To learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Consumer Financial Protection 
Bureau at 
http://www.consumerfinance.gov/learnmore/. 

Annual Fee 

None 

Transaction Fees: 

International 
Transaction 

Penalty Fees: 

Late Payment 

1% of each transaction in U.S. dollars. 

Either  $15  or  5%  of  the  past-due  amount, 
whichever is greater (maximum fee of $25). 

Returned 
Payment 

Other Fees: 

$10 

Pay-by-Phone 

Up to $10 for agent assisted payments. 

How We will Calculate Your Balance:  We use a method called “average daily balance 
(including new purchases).”  See your account agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise 
those rights is provided in your account agreement. 

Prime Rate:  The APR will vary based on changes in the Index, the Prime Rate (the base 
rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the 
Wall Street Journal.  The Index will be  adjusted on the 25th day of each month or the 
business day preceding the 25th day if that day falls on a weekend or a holiday recognized 
by the Board of Governors of the Federal Reserve System. Changes in the Index will take 
effect beginning with the first billing cycle in the month following a change in the Index. 
Increases  or  decreases  in  the  Index  will  cause  the  APR  and  periodic  rate  to  fluctuate, 
resulting in increased or decreased Interest Charges on the Account.  As of September 25, 
2014, the Index was 3.25%. 

a We add 1.00% to the Prime Rate to determine the APR for Purchases, Balance 

Transfers, and Cash Advances.  The Account will never have an APR over 21%. 

How Interest Charges are Determined & When They are Imposed 

Interest  Charges  on  the  Account  will  be  figured  on  each  monthly  billing  statement  by 
applying the periodic rate to the total Balance Subject to Interest Charges.  The periodic rate 
used to compute Interest Charges is disclosed above and is a monthly rate which, when 
multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance 
Transfers or elect to pay for Purchases in installments, each periodic statement will include 
an  Interest  Charge.    There  is  no  minimum  Interest  Charge.    In  connection  with  Cash 
Advances and Balance Transfers, the first monthly billing statement after you receive a 
Cash  Advance  or  Balance  Transfer  will  include  an  Interest  Charge  from  the  date  the 
transaction is posted to your Account. 

Interest  Charges  will  not  be  imposed  on  purchases  posted  to  your  account  in  certain 
circumstances.  For example, assuming that billing cycles begin on the first day and end on 
the last day of each calendar month, and the month of June is the “current” billing cycle: if 
(1) the purchase balance at the end of the preceding May billing cycle is paid in full by the 
payment due date (in June) for the May billing cycle and (2) the purchase balance at the 
end of the June billing cycle is paid in full by its payment due date (in July), no Interest 
Charges will be imposed on purchases posted to the account during June.  However, if the 
purchase balance of the May billing cycle is not paid in full by its payment due date in 
June, Interest Charges will be imposed on purchases posted to the account in June from the 
date of such posting.  If the June purchase balance is not paid in full by its payment due 
date in July, Interest Charges will be imposed from the first day of the July billing cycle on, 
but only on, the portion of June purchases not paid by the payment due date in July. 

Any portion of the New Balance appearing on a monthly billing statement (including Cash 
Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not 
paid  in  full  and  credited  to  the  Account  by  the  “Payment  Due  Date”  shown  on  that 
statement becomes part of the “Previous Balance” on your next monthly billing statement. 

All payments received by 5:00 p.m. during our normal business day at the address indicated 
on the monthly billing statement will be credited to the Account as of the date of receipt of 
payment.    If  payment  is  made  at  any  location  other  than  such  address,  credit  for  the 
payment may be delayed up to 5 days. 

Method of Computing Balance Subject to Interest Charge 

The Balance Subject to an Interest Charge is the sum of the “Average Daily Balance” for 
Purchases and the “Average Daily Balance” for Cash Advances and Balance Transfers, 
computed as follows: 

The  Average  Daily  Balance  for  Purchases  is  computed  by  adding  each  day’s  ending 
balance  for  the  current  billing  cycle  (less  any  Interest  Charge  included  therein  and 
excluding  any  Cash  Advances  and  Balance  Transfers  made  during  the  current  billing 
cycle), and dividing the total of such balances by the number of days in the billing cycle.  
Such total will include Purchases and debit adjustments made during the current billing 
cycle only if you have not paid in full the New Balance figure from the previous statement 
as indicated by a “Payment” figure equal to or greater than the “Previous Balance” figure 
under the Summary of Transactions on the statement for the current billing cycle. 

The Average Daily Balance for Cash Advances and Balance Transfers is computed by 
adding each day’s outstanding balance of Cash Advances and Balance Transfers charged to 
the Account during the current billing cycle, and dividing the total of such balances by the 
number of days in the billing cycle. 

If the Cash Advance and Balance Transfer portion of the New Balance and the Interest 
Charge applicable thereto are not paid in full and credited to the Account by the “Payment 
Due Date” shown on the first monthly billing statement to which the Cash Advance and 
Balance Transfer is billed, any balance remaining becomes a part of the “Previous Balance” 
on Cardholder’s next periodic statement and is computed as part of the Average Daily 
Balance for Purchases. 

IMPORTANT:  The issuer and administrator of the credit card program is TIB-
The  Independent  BankersBank.  The  information  about  the  cost  of  the  Card 
described in this table is accurate as of October 1, 2014.  This information may 
change after that date. To find out what may have changed, call us at 800-367-
7576  or  write  TIB-The  Independent  BankersBank,  P.O.  Box  569120,  Dallas, 
Texas 75356-9120. 

3217 BP/EMP CD – AP Sys 4193 4974 8601 -Agent 6000 (Rev. 10/14)