BBOK VISA CLASSIC  
CARDHOLDER AGREEMENT
Effective July 29, 2022
1. In this agreement �you� and �your� refer to the customer 
and means each person who has signed an application for 
a Bankers� Bank of Kansas, (BBOK) account, whether as an 
individual user or as a joint user. �You� and �your� also refer to 
the customer who has signed a BBOK card or a VISA sales draft 
or cash advance request as an authorized signer. �We�, �us�, 
�our� and �Bank� refer to Bankers� Bank of Kansas, P.O. Box 
20810, Wichita, KS 67208-6810. �Card� means any VISA Card(s) 
issued to you by us, or other single credit device being used 
from time to time upon presentation to obtain money, property 
or services on credit; �Card� is implied when you obtain credit 
by using your account number without using the Card. If more 
than one person has signed the application for an account, this 
agreement applies equally to each authorized signer. 
2. You agree that this agreement is entered into at Wichita, 
Sedgwick County, Kansas, and credit card(s) are issued based 
on our acceptance of your application at our principal place of 
business there.
3. This agreement governs any account for which you are 
liable now or in the future. By signing your card or using your 
account, or allowing someone else, you accept the terms of this 
agreement. 
4. You agree to sign your card immediately upon receipt. If you 
fail to do so, and your card becomes lost or stolen, you may be 
liable for any fraudulent activity, if it is determined that you were 
grossly negligent in the handling of the account or card. 
5. We issue credit card(s) at your request for your use alone 
but they are our property. We may renew your card(s) from 
time to time. We may cancel or revoke credit privileges at any 
time without changing your liability for credit we have already 
extended you. You agree to deliver at our demand the cards 
bearing your account number to us or to our agent.  We may 
issue you a different card(s) at any time. 
6. You authorize us to charge to your account all purchases 
obtained with your account number. We agree to advance 
amounts necessary to pay for all purchases and advances, 
provided you are not over your credit line, past due or in default 
and you abide by the terms of this agreement. 
7. You promise to pay in U.S. Dollars, as this agreement requires, 
for all authorized credit with is incurred with your account 
number or with the card(s) you requested. You also promise to 
pay all finance charges and other charges connected with your 
credit. 
8. You agree that �authorized use� means any purchase, cash 
advance, mail order or other credit incurred through the use of 
your credit card(s) and/or your account number, whether such 
use is by you or by any other person who is allowed to use the 
card or account number by you, regardless of the benefit or use. 
You agree that your card (s) shall not be used for any illegal 
purpose or transaction. 
9. You agree to pay us within 25 days from the � Closing 
Date � shown on each monthly statement, either (a) the � New 
Balance � or (b) a part of the New Balance not less than the 
�Minimum Payment Due � that we have calculated according 
to the current minimum periodic payment schedule.  The 
schedule we use follows:A. The minimum payment required is the New Balance shown 
on your statement if the amount is equal to or less than $25.00. 
B.  If the New Balance exceeds $25.00, the minimum payment 
is 1% (percent) of the New Balance (rounded up to the nearest 
dollar) plus any cycle to date FINANCE CHARGES  and the 
unpaid late fees.  The Total Minimum Payment will include the 
Minimum Payment calculated above, plus any amount in excess 
of your credit limit and any amount past due.  
Checks should be made payable to VISA. Only checks payable 
to VISA will be accepted for payment. Checks you have received 
from another party should not be endorsed over to VISA. That is, 
BBOK will not serve as a second endorser.
From time to time, if your account qualifies, we may allow you 
to skip your minimum periodic payment during a billing cycle.  If 
you skip a payment, finance charges will continue to be due in 
the month following the month in which you skip the payment.  
10. A FINANCE CHARGE  will be imposed on your account under 
the following conditions:
A. PURCHASES   A Finance Charge  will be imposed on Credit 
Purchases only if you do not pay the entire New Balance shown 
on your monthly statement for the previous billing cycle within 
25 days from the closing date of that statement. If you elect not 
to pay the entire New Balance shown on your previous monthly 
statement within that 25 day period, a Finance Charge  will 
be imposed on the unpaid average daily balance of such Credit 
Purchases from the previous statement closing date and on new 
Credit Purchases from the  date of transaction to your account 
during the current billing cycle, and will continue to accrue until 
the closing date of the billing cycle preceding the date on which 
the entire New Balance is paid in full or until the date of payment 
if more than 25 days from the closing date.
B. CASH ADVANCES /CASH EQUIVALENTS   
A Finance Charge  will be imposed on Cash Advances from the 
date made and will continue to accrue on the unpaid average 
daily balance of such Cash Advances until the date of payment if 
paid during the same billing cycle, or until the closing date of the 
billing cycle preceding the date on which the entire New Balance 
is paid in full or until the date of payment if more than 25 days 
from the closing date.
Cash Equivalents  that will be treated as cash:  Wire transfers, 
court filings, purchase of travelers checks, money orders, 
foreign currency, lottery tickets or gaming chips, placing wagers 
(if legal), or to make tax or similar payments.
The Finance Charge  for a billing cycle is computed by applying 
the Monthly Periodic Rate to the average daily balance of Cash 
Advances, which is determined by dividing the sum of the 
daily balances by the number of days in the billing cycle. Each 
daily balance of Cash Advances is determined by adding to the 
outstanding unpaid balance of Cash Advances at the beginning 
of the billing cycle any new Cash Advances posted to your 
account, and subtracting any payments as received or credits 
as posted to your account, but excluding any unpaid Finance 
Charges .
11. INTEREST RATE
A. PURCHASES  
If your account is subject to a Finance Charge, your ANNUAL 
PERCENTAGE RATE may vary.  Your Rate on purchases isdetermined by adding 8.42% to the �Prime Rate� published in the 
Wall Street Journal under the �Money Rates� subsection on the 
last business day of each month.
The Finance Charge  for a billing cycle is computed by applying 
the Monthly Periodic Rate to the average daily balance of Credit 
Purchases, which is determined by dividing the sum of the daily 
balances during the billing cycle by the number of days in the 
cycle. Each daily balance of Credit Purchases is determined by 
adding to the outstanding unpaid balance of Credit Purchases 
at the beginning of the billing cycle any new Credit Purchases 
posted to your account, and subtracting any payments as 
received or credits as posted to your account, but excluding any 
unpaid Finance Charges . 
B. CASH ADVANCES   If your account is subject to a Finance 
Charge, a transaction fee of $10.00  or 3% of the Cash Advance 
amount, whichever is greater, will be imposed for each Cash 
Advance posted to your account during a billing cycle. We will 
compute the Finance Charge on a Cash Advance by applying 
a �Monthly Periodic Rate� of 1.75%  per month (which is a 
corresponding ANNUAL PERCENTAGE RATE of 21%  as follows:
The Finance Charge  for a billing cycle is computed by applying 
the monthly Periodic Rate to the average daily balance of Cash 
Advances, which is determined by dividing the sum of the 
daily balances by the number of days in the billing cycle. Each 
daily balance of Cash Advances is determined by adding to the 
outstanding unpaid balance of Cash Advances at the beginning of 
the billing cycle any new Cash Advances posted to your account, 
and subtracting any payments as received or credits as posted to 
your account, but excluding any unpaid Finance Charges .
12. OTHER CHARGES  � In addition to the Finance Charge , you 
agree to pay the bank the following fees and charges:
A. LATE PAYMENT FEE
If you do not pay the Minimum Payment by the Due Date of the 
billing cycle in which the payment was due, a late payment charge 
of up to $29.00  will be imposed on your account.
B. RETURN CHECK FEE
We will assess a return check charge of up to $29.00  for any 
check or other form of negotiable instrument which is presented 
for payment on the account and which is subsequently returned 
not paid.
C. INTERNATIONAL TRANSACTION FEE
International transactions are subject to a fee by Issuer, of 3% 
of the U.S. dollar amount of the transaction and will apply to any 
cross-border transaction where the licensed VISA merchant and 
Issuer are located in different countries.
D. DOCUMENTATION CHARGES
You may be assessed a charge for copies you request of a 
document (sales draft, cash advance draft, credit voucher) plus 
research time; copies of statements which were mailed to you; and 
any other pass-through fees assessed to us by VISA in connection 
with your account. No charge will be imposed in connection with 
any good faith assertion of a billing error on your account.
E. All costs of collections including reasonable attorney fees as 
further noted in paragraph 25 herein.F. ATM USAGE FEE
A fee may be imposed by an ATM operator not holding the 
consumer�s account, or by any national, regional, or local network 
used to complete the transaction. Automated teller machine 
operator means any person that operates an automated teller 
machine at which a consumer initiates an electronic fund transfer 
or a balance inquiry and does not hold an account to or from which 
the transfer was made, or about which an inquiry is made. 
13.  Effective October 3, 2017, Federal law provides important 
protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost 
of consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage rate 
of 36 percent. This rate must include, as applicable to the credit 
transaction or account: The costs associated with credit insurance 
premiums; fees for ancillary products sold in connection with the 
credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation 
fees for a credit card account) .  Call 1-888-675-6332 for recorded 
information. 
14. PAYMENTS AND CREDITS  will generally be applied to 
amounts outstanding at the time the payment or credit is received 
in the following order:
    -Cash Advance Finance Charges
    -Purchase Finance Charges
    -Late Fees
    -Annual Fees
    -Cash Advance Accruing Balances (oldest balance is paid first)
    -Purchase Accruing Balances (oldest balance is paid first)
    -Non-Accruing Balances
15. We agree at no cost to provide you and your spouse and 
dependent children with up to $150,000  of insurance for 
accidental death or dismemberment whenever you travel on 
a common carrier if you buy your travel tickets with your VISA 
Classic  Card.  A description of insurance terms and conditions 
will be provided. 
16. We set your credit line when we open your account, and we may 
change it from time to time. Your credit line will appear on each 
monthly statement.  We may limit your total Cash Advances to a 
portion of your total credit limit. You agree not to incur, or to let 
others incur, charges on your account that exceed your credit line. 
If the total charges do exceed the credit line, you agree, when we 
request, to make a payment to reduce the total on your account to 
an amount below your credit line.  
17. If you revoke the authority of someone to use your account, 
revocation is not effective until that person�s card expires or you 
return it to us, whichever is first; provided, however, each joint user 
agrees to pay all amounts due us for charges made by any joint 
user until all cards are returned to us and the balances are paid 
in full.  
18. You agree to notify us promptly by telephone of the loss or theft 
of any credit card bearing your account number. You may notify 
us by telephone at (866) 839-3485.  You will not be liable for 
any unauthorized use, unless we determine, based on substantial 
evidence, that you were grossly negligent in the handling of the 
account or card.    19. You agree that �unauthorized use� means the use of a credit 
card which has occurred or may occur as the result of loss, theft or 
other wrongdoing, and which is by a person other than you or your 
agent, who does not have actual, implied or apparent authority for 
such use, and from which you receive no benefit.
20. We are not accountable if anyone refuses to honor a credit 
card with your account number. All Credit Purchases and Cash 
Advances are effected at the option of the Merchant and Cash 
Advancing Bank, respectively, and Issuer shall not be responsible 
for refusal by any Merchant or Cash Advancing Bank to honor 
the Card or any Related Card. Any refund, adjustment or credit 
allowed by Merchant shall not be by cash but rather by a credit 
advice to Issuer which shall be shown as a credit on Cardholder�s 
account statement with Issuer.
21. You agree to advise us promptly if you change your mailing 
address. We can accept address corrections from the U.S. Postal 
Service. All written notices and statements from us to you will be 
sent to your address as it appears on our records.
22. We will consider your account past due if you fail to pay at least 
your minimum payment in funds acceptable to us by the date it is 
due.  You account will remain past due until any previous unpaid 
balance is paid.  
23. We can consider you in default if you provide us with false 
information or signature, if you try to exceed or do exceed your 
credit line without our permission, if you fail to provide updated 
information which we request from time to time, if you become 
subject to bankruptcy or insolvency proceedings, if attachment 
or garnishment proceedings are instituted against you or your 
property, if there is any event which we believe causes the prospect 
of payment to be significantly impaired, if you fail to comply with 
any provision of this agreement or in the event of death. Default 
on any account with us will constitute default on all accounts with 
us.  Upon default, at our option and under applicable law, we can 
declare all amounts on your account immediately due and payable.  
Also, we can exercise all rights available to us under law to collect 
what you owe us.  All remedies are cumulative and our failure to 
exercise any one shall not affect our rights to any other remedy. 
24. If Bank incurs collection costs or attorney fees in connection 
with your account, as permitted by applicable law, you agree to 
pay the reasonable costs of collection, including, but not limited 
to, attorney fees and collection fees in an amount not to exceed 
15% of the unpaid debt on your account if such limitation is 
required by law.
25. If you make a payment with a check, money order, or other 
type of instrument marked �Payment in Full� or other language 
indicating satisfaction of indebtedness, we are not bound by such 
language and do not waive any rights under this  agreement. Where 
full payment of any indebtedness owing under this agreement is 
not made, satisfaction of indebtedness shall occur only pursuant 
to a written agreement, signed by an authorized employee of the 
Bank.
Communications regarding disputed balances must be sent 
to:
Customer Service, P .O. Box 30495, Tampa, FL 33630.26. Payments must be made to Issuer in U.S. dollars drawn on 
a U.S. bank. If the authorized signer incurs charges in any other 
currency, the charges will be converted into U.S. dollars.
VISA  � The exchange rate between the transaction currency and 
the billing currency used for processing international transactions 
is:
- A rate selected by VISA from the range of rates available in 
wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA itself receives, or
- The government-mandated rate in effect for the applicable central 
processing date.
27. We can change the terms of this agreement including changing 
the periodic rate and the annual percentage rate on the existing 
balance of your account to the maximum rate allowed by law, even 
if that maximum rate increases after the date of this agreement. We 
will, of course, comply with applicable law about notice to you if 
we make any changes.
28. We can waive, or choose not to enforce, any of our rights under 
this agreement at any time, without the waiver affecting any of our 
other rights. A waiver on one occasion will not act as a waiver of 
the same right at a future time.
29. We may sell, assign or transfer your Account or any portion 
thereof, without notice to you. You may not sell, assign or transfer 
your Account without first obtaining our prior written consent.
30. From time to time we may monitor telephone calls between you 
and us to assure the quality of our customer service.
31. We both agree that this agreement is governed by the laws of 
Kansas except to the extent that federal law applies.
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act. 
Notify us in Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information 
about a transaction on your bill, write us on a separate sheet of 
paper at the address listed on your bill. Write to us as soon as 
possible. We must hear from you no later than 60 days after we 
sent you the first bill on which the error or problem appeared. You 
can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
  -Your name and account number.
  -The dollar amount of the suspected error.
  -Describe the error and explain, if you can, why you believe there 
is an error. If you need more information, describe the item you 
are not sure about.
If you have authorized us to pay your credit card bill automatically 
from your checking or savings account, you can stop the payment 
on any amount you think is wrong. To stop the payment your letter 
must reach us three business days before the automatic payment 
is scheduled to occur.Your Rights and Our Responsibilities After We Receive 
Your Written Notice
We must acknowledge your letter within 30 days, unless we have 
corrected the error by then. Within 90 days, we must either correct 
the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount 
you question, or report you as delinquent. We can continue to 
bill you for the amount you question, including finance charges, 
and we can apply any unpaid amount against your credit line. 
You do not have to pay any questioned amount while we are 
investigating, but you are still obligated to pay the parts of your 
bill that are not in question.
If we find that we made a mistake on your bill, you will not have to 
pay any finance charges related to any questioned amount. If we 
did not make a mistake, you will have to pay finance charges, and 
the balance will be due and payable in full upon receipt of your 
next billing statement. In either case, we will send you a statement 
of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report 
you as delinquent. However, if our explanation does not satisfy 
you and you write to us within 10 days telling us that you still 
refuse to pay, we must tell anyone we report you to that you have 
a question about your bill. And, we must tell you the name of 
anyone we reported you to. We must tell anyone we report you 
to that the matter has been settled between us when it finally is.
If we do not follow these rules we cannot collect the first $50.00 of 
the questioned amount, even if your bill was correct.  
Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services that 
you purchased with a 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 property or services. 
There are two limitations on this right:
You must have made the purchase in your home state or, if not 
within your home state, within 100 miles of your current mailing 
address; and
The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the merchant, 
or if we mailed you the advertisement for the property or services.  Interest Rates and Interest Charges
Same as Purchase Rate   APR for Balance Transfers
21% APR for Cash Advance
  Fees
None Annual Fee
Up to  $29
Classic 7/29/22  Your due date is at least 25 days after 
the close of each billing cycle.  We will not charge you 
interest on purchases if you pay your entire balance by the 
due date each month.  We will begin charging interest on 
cash advances on the transaction date.  Paying Interest13.17%Annual Percentage Rate  
(APR) for Purchases
APR will vary with the market based on the Prime Rate. See 
�Interest Rate� section of this agreement for more details.
None Balance Transfer Fee
$10.00 or 3%  of the 
Cash Advance amount, 
whichever is greater. Cash Advance Fee
3% of the U.S. dollar 
amount of the transactionInternational 
Transaction Fee
Late Payment
Up to  $29 Returned Payment
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/learnmoreBilling rights:   Information on your rights to dispute 
transactions and how to exercise those rights is 
provided in the Cardholder Agreement.  See �Your 
Billing Rights� section for more details.