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CREDIT CARD AGREEMENT & DISCLOSURE STATEMENT 

G-14515

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: 

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. 

"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, 
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. 

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  $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. 

"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. 

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. 

"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). 

“Cash  Advance  Limit”  means  (i)  ten  percent  (10%)  of  the  Credit  Limit  for  business  use 
accounts and (ii) 50 percent (50%) of the Credit Limit for consumer use accounts. 

"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. 

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

"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;  Cash  Advance  Limit.    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 up to, but not in excess of, the Cash Advance 
Limit  (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 

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 15.99%  
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, Cash Advance or Balance  Transfer 
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 two percent (2%) 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. 

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 three percent (3%) of the amount 
of the Cash Advance subject to a minimum fee of $10.00. 

Balance Transfer  Fee.  If you request a Balance Transfer, in addition to the Interest Charge 
which will accrue on the balance transfer, you agree to pay a fee of three percent (3%) of the 
amount of the Balance Transfer subject to a minimum fee of $10.00 

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. 

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. 

International  Transactions  Fee.    Two  percent  (2%)  of  the  U.S.  dollar  amount  of  the 
transaction converted from a foreign currency. 

What to do if you find a mistake on your statement. 

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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. 

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. 

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. 

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. 

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. 

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. 

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. 

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. 

Interest Rates and Interest Charges 

Preferred Points 

Non-Rewards 

Annual Percentage 
Rate (APR) for 
Purchases 

5.9% introductory APR for six months. 
After that, your APR will be 15.24%.  This 
APR will vary with the market based on the 
Prime Rate. a 

5.9% introductory APR for six months. 
After that, your APR will be 14.24%.  This 
APR will vary with the market based on the 
Prime Rate. b

APR for Balance 
Transfers and Cash 
Advances 

5.9% introductory APR for six months. 

5.9% introductory APR for six months. 

After that, your APR will be 15.24%.  This APR 
will vary with the market based on the Prime 
Rate. a 

After that, your APR will be 14.24%.  This APR 
will vary with the market based on the Prime 
Rate. b

19.24% - This APR will vary with the market based on the Prime Rate. c 

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. 

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. 

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/credit-cards/. 

$35 

None 

Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 

2% of each transaction in U.S. dollars. 

Penalty APR and 
When it Applies 

How to Avoid Paying 
Interest on Purchases 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual Fee 

Transaction Fees: 

Balance Transfer 
and Cash Advance 

International 
Transaction 

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:  After the introductory 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  the10  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 
regular periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account.  As of March 25, 2013, the Index was 3.25%. 
a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances.  The Account will never have an 

APR over 21%. 

b We add 10.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances.  The Account will never have an 

APR over 21%. 

c We add 15.99% to the Prime Rate to determine the Penalty APR.  The Account will never have an APR over 21%. 

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 April 1, 2013.  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 
Bankers Bank, 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. 

AP Consumer – 4193 4974 8189 8601 All Agents Except 2000 4000 6000 (Rev. 04/13)