CREDIT CARD AGREEMENT & DISCLOSURE STATEMENT 

This Agreement applies to the VISA and/or MasterCard credit Card and Credit Devices issued to you by TIB-
The Independent BankersBank, Oklahoma 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 (APR), the Interest Charge and balance 
on which it is determined, any Other Charges, cash advance 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 75% of the nation’s 
largest 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, Oklahoma Branch, 7136 S.  Yale, 
Suite 300, Tulsa, Oklahoma 74136. 

"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 and Cash Advances.  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.  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 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, 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 

G-13410 

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,  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 $25.  If the New Balance exceeds $25, the minimum payment will equal the greater of 3% of the 
New Balance or $25, 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. 

Late Payments and Increase in Rate.  If you allow your Account to become 60 days past due, we may 
increase your APR on all balances to a higher rate equal to the Index plus a margin of 8.0%  up to a maximum 
of 21%.  This means if you fail to at least pay your required minimum monthly payment for the periods stated 
above, your APR may increase; however, if your Rate is increased, your Account may become eligible for a 
lower APR if you make timely payments for three consecutive months. 

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; Cash Advance 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 either (i) the balance of the Account to exceed the Credit 
Limit  we  set from time to time or (ii) the balance of the outstanding Cash Advances to exceed the Cash 
Advance Limit applicable to such Credit Limit.  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 or the Cash Advance Limit.  If we do, 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 or Cash Advance Limit, and if we do, we are not obligated to do so at a later 
time.  You agree we may change your Credit Limit (which will automatically also change your Cash Advance 
Limit) or cancel the Account if you exceed the Credit Limit or the Cash Advance 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. 

3. 

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 $25 late charge on the Account.  

Returned  Payment  Fee.    We  will  charge  you  $25  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. 

Cash Advance Fee.  If you request a Cash Advance, in addition to the Interest Charge which will 
accrue on the Cash Advance, you agree to pay a fee of 2% of the amount of the Cash Advance subject 
to a minimum fee of $2.00. 

Pay-by-Phone.  If you request that 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. 

Insurance.  If you requested credit life, accident and health insurance in the Application, you agree that the 
premium rate for such insurance (the "Premium Rate") will be the amount disclosed in the Application, and 
the Premium Rate disclosed and your authorization for such insurance in the Application are made a part of 
this Agreement  by  reference.   The total insurance cost will be calculated each month by multiplying the 
Premium Rate by the New Balance on the Account.  The total insurance cost will be added to the outstanding 
balance of the Account and treated as a Purchase. 

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 and 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. 

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 Oklahoma and that Oklahoma law will govern the interpretation and operation of this Agreement as 
well as any controversy arising out of this Agreement.  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. 

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 shown 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.  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. 

2.  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.  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 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 constitutes the Agreement for the Account. 

Classic & Premium Cards 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

9.25%  
This APR will vary with the market based on the Prime Rate. a 

APR for Cash Advances 

9.25%  
This APR will vary with the market based on the Prime Rate. a 

Penalty APR and When it 
Applies 

11.25% - This APR will vary with the market based on the Prime Rate. b 

This APR may be applied if you allow your Account to become 60 days past due. 

How Long Will the Penalty Apply?  If your APR is increased for the reason stated above, the 
Penalty APR will apply until you make three consecutive minimum payments when due. 

How to Avoid Paying 
Interest on Purchases 

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 Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 

Fees 

Annual Fee 

Transaction Fees: 

No Annual Fee with the exception of Preferred Points which is $35. 

Cash Advance 

Either $2 or 2% of the amount of each cash advance, whichever is greater. 

International Transaction 

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

Penalty Fees: 

Late Payment 

Returned Payment 

$25 

$25 

Other Fees: 

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 75% 
of the nation’s largest 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 November 25, 2011, the Index was 3.25%. 

a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances.  The Account will never have an APR over 

21%. 

b We add 8.00% to the Prime Rate to determine the Penalty APR.  The Account will never have an APR over 21%. 

The information about the cost of the Card described in this table is accurate as of December 1, 2011.  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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

0536 - 4193 4974 8189 8601 – 536A/536B/536C/1003/F003 (Rev.12/11)