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. 

"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. 

9. 

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

10. 

11. 

"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. 

Fixed  Annual  Percentage  Rate.  The  periodic  rate  that  will  be  used  to  compute  Interest  Charge  is  a 
monthly  rate  which  when  multiplied  by  12,  equals  the  Annual  Percentage  Rate  (APR) on  the  account.  
The  maximum  APR  allowed  is  21%  with  a  Periodic  rate  of  1.75%.  The  APR  stated  in  the  Initial 
Disclosure Statement is the rate that applies to this agreement and, if less than the maximum allowable, 
this agreement is amended to provide for an APR as stated in the Initial Disclosure Statement. 

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 uses of  the Card from any 
seller or vender 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 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 

G-13387 

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  $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. 

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 exceed the  Credit  Limit.   If we do so, 
you agree to immediately pay the excess.  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 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 access, in addition to the Interest Charge, the Other Charges below 
which will be earned when accessed 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. 

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 $12, whichever is greater (maximum fee of $25).  The $12 dollar 
amount  may  increase  each  July  1st  pursuant  to  the  rule  of    the  Administrator  of  the  Oklahoma 
Department of Consumer Credit. 

Returned  Payment  Fee.  We  will  charge  $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. 

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. 

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. 

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. 

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. 

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. 

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 & Disclosure Statement constitutes the Agreement for the Account. 

Classic & Premium Cards 

Interest Rates and Interest Charges 

Annual 
Percentage Rate 
(APR) for 
Purchases 
APR for Cash 
Advances 

How to Avoid 
Paying Interest 
on Purchases 

15.90% 

15.90% 

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: 

International 
Transaction 

Penalty Fees: 

Late 
Payment 

Returned 
Payment 

$12 with the exception of Preferred Points 
which is $35. 

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

Either  $12  or  5%  of  the  past-due  amount, 
whichever is greater (maximum fee of $25). 

$10 

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. 

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:  RETAIN THIS INSERT AS PART OF YOUR CREDIT 
AGREEMENT 

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. 

171 & 671 – 4193 4974 8189 8601 - 171A/FL23/0125 (Rev. 12/11)