CREDIT CARD AGREEMENT & DISCLOSURE STATEMENT 

G-16731 

This Agreement applies to the VISA and/or  MasterCard credit Card and Credit Devices issued to 
you  by  TIB  The  Independent  BankersBank,  N.A.,  Georgia  Branch,  although  the  name  on  your 
Card may be that of a different financial institution. Any Card or Credit Device issued to you by us 
remains  our  property  and  must  be  returned  to  us  or  to  anyone  we  designate,  upon  request. 
Retaining, signing or using, or permitting others to use, the Card or Credit Device shall constitute 
the equivalent of signing this Agreement and such retaining, signing or using means you agree to 
be bound by the terms of this Agreement. The Application you submitted for the Account is hereby 
incorporated into and  made a  part of this  Agreement. This  Agreement begins on the earlier of (i) 
the date you sign or otherwise submit an Application that is approved by us or (ii) the first date you 
or someone authorized by you uses the Account in a transaction that we approve (in NY, the first 
date  you  or  someone  authorized  by  you  signs  a  sales  slip  or  memorandum  or  the  first  date  that 
another document is issued to you or  someone authorized by you as  evidence of a transaction on 
the Account that we approve). 

Definitions.  In addition to other terms that may be defined in this Agreement, the following terms 
when used in this Agreement have the following definitions: 

1. 

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13. 

"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. 

"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). 

“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,  N.A.,  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 
Check and must be completed and signed in the same way as a regular personal check. You agree 
not to use your Special Checks to purchase or carry securities or to pay amounts you owe us under 
this Agreement. We are not obligated to pay a Special Check (a) if your resulting Account balance 
would  exceed  the  Credit  Limit,  (b)  if  the  Check  is  dated  more  than  6  months  before  it  was 
presented to us for payment, (c) if a Special Check or Card has been reported lost or stolen, (d) if 
you are in default under this Agreement or a loan agreement with another lender, (e) if you or we 
have terminated your ability to receive further credit under this Agreement, (f) if you are insolvent, 

or (g) if your Card has expired. The amount of each Special Check paid by us, even if we are not 
obligated  to  pay  it,  will be  a  Cash  Advance.  Checks  paid  by  us  will not  be  returned  to  you  with 
your  monthly  billing  statement,  but  information  about  them  will  appear  on  such  statement.  You 
agree  you  will  promptly  review  your  monthly  billing  statement  to  discover  any  unauthorized  or 
altered Special Checks.  You cannot put a stop-payment order on a Special Check. 

Refunds  and  Adjustments.    Any  refund,  adjustment,  or  credit  allowed  by  any  seller  or  other 
person  or  entity  shall  not  be  by  cash  but  rather  by  a  credit  to  the  Account  appearing  on  your 
monthly billing statement. 

Monthly Billing Statements.  Each month we will send you a monthly billing statement reflecting 
all Purchases, Cash Advances, Balance Transfers, Interest Charges and Other Charges pursuant to 
this  Agreement  for  the  prior  monthly  period.    Such  statements  shall  be  deemed  correct  and 
accepted by you unless you notify us to the contrary in writing within 60 days of our mailing such 
statement to you. 

Payments  on  the  Account.    Your  payment  under  the  Account  must  be  made  on  or  before  the 
"Payment Due Date" reflected on your monthly billing statement.  Your payment must be either the 
full  amount  billed  or,  at  your  option,  an  installment  equal  to  at  least  the  required  "Minimum 
Payment  Due"  stated  on  the  billing  statement.    The  minimum  payment  will  equal  the  "New 
Balance"  shown  on  your  statement  if  that  amount  is  less  than  $25.    If  the  New  Balance  exceeds 
$25, the minimum payment will equal the greater of 3% of the New Balance or $25, plus the entire 
portion of the New Balance in excess of your Credit Limit, plus any amount past due. 

Payments must be made in U.S. dollars drawn on a U.S. bank.  Transactions in foreign currencies 
will  be  converted  to  U.S.  dollars  at  the  exchange  rate  used  at  the  time  of  the  conversion.    The 
conversion may occur after the transaction date and the conversion rate may differ from the rate of 
exchange in effect at the time of the transaction.  You agree to pay the converted amount to us in 
U.S. dollars, plus any charge for the conversion or processing that may be imposed. 

All payments on the account must be made at the address shown on your monthly billing statement 
and are considered to have been made on the date received at that address.  If payment is made at 
any location other than the designated address, credit for such payment may be delayed for up to 5 
days.  As allowed by law, we may accept payments marked "payment in full" (or words of similar 
intent) without losing any of our rights to collect the full balance due under the Account and this 
Agreement.  We will apply your payments to the unpaid balance of the Account in the order and 
manner we decide, in our sole discretion. 

Late Payments and Increase in Rate.  If you allow your Account to become 60 days past due, we 
may increase your APR on all balances to a higher rate equal to the Index plus a margin of 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. 

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 $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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5. 

6. 

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8. 

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. 

International  Transactions  Fee.    Two  percent  (2%)  of  the  U.S.  dollar  amount  of  the 
transaction converted from a foreign currency. 

Supplemental  Convenience  Requests  If  you  request  supplemental  copies  of  billing 
statements, you will be charged $5 for each. We will not assess you this fee if you request a 
billing statement for a billing error/inquiry that you may assert against us under applicable 
law. If you request expedited delivery of a Card, you will be charged $25. If you make any 
other  Supplemental  Convenience  Requests,  you  agree  to  pay  our  reasonable  charges  for 
such request in effect at that time. 

Termination;  Default.    We  may  reduce  the  Credit  Limit  or  terminate  your  ability  to  receive 
further credit under this Agreement at any time without notice.  You may terminate your ability to 
receive further credit under this Agreement by giving us notice of termination and returning to us 
all Cards and Credit Devices.  Termination by you will be effective on the date we receive written 
notice from you along with the Cards and Credit Devices (unless they are lost or stolen, in which 
case you agree to sign an affidavit to that effect and stating that no credit received after the date of 
loss or theft was authorized by you). 

You will be in default under this Agreement if any of the following events occur:  (1) you fail to 
make the required payment when due; (2) you fail to perform or abide by any of your agreements 
or obligations under this Agreement or any other loan agreement you have with us; (3) you become 
insolvent (meaning your liabilities exceed your assets or you are unable to pay your debts as they 
become due); (4) any action is taken by or against you under any bankruptcy or insolvency laws; 
(5) any attachment or garnishment proceedings are initiated against you; (6) you die or are declared 
incompetent; (7) we, in good faith, believe the prospect of your payment or performance under this 
Agreement is impaired; or (8) you fail or refuse to provide current financial information to us when 
we request it. 

On any termination or default, regardless of any unused credit you may have under the Account, all 
amounts  you  owe  under  the  Account  and  this  Agreement  will  become  immediately  due  and 
payable  in  full.    You  must  also  return  to  us  all  Cards  and  Credit  Devices  issued  to  you  in 
connection with the Account.  Termination or default shall not release you from any obligation you 
have incurred under this Agreement.  After termination or default, your obligations and our rights 
under this Agreement shall remain effective until the entire outstanding balance of the Account is 
paid in full. 

Attorneys Fees and  Costs.  To the extent permitted by law, you agree to  pay our attorneys fees 
and  other  costs  we  incur  if  you  are  in  default  and  we  hire  an  attorney  who  is  not  our  salaried 
employee to collect amounts you owe under the Account and this Agreement.  Amounts you owe 
for attorneys' fees will be added to the outstanding balance of the Account as a Purchase whether or 
not your right to receive credit has terminated or you are in default. 

Amendment to this Agreement.  This Agreement, and the terms of the Account, may be amended 
by us if we send you written notice of the amendment prior to its effective date as required by law.  
As  of  the  amendment's  effective  date,  the  change  in  terms  will  apply  to  the  entire  outstanding 
balance  of  the  Account  as  well  as  Purchases  made  and  Cash  Advances  and  Balance  Transfers 
received  after  the  effective  date  of  the  amendment.    If  you  do  not  agree  to  the  amendment,  your 
only option is termination under this Agreement. 

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,  N.A.  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,  N.A.  regarding  this  contractual  agreement  shall  be  brought  in  Dallas 
County, Texas or any county contiguous to Dallas County, Texas. 

Governing Law; Severability.  You agree that your obligations under this Agreement represented 
by charges to the Account are contracted for and become binding when the sales drafts, credit card 
slips, or other Credit Devices are accepted by us and we cause the holders of the same to be paid.  
You agree that these events occur in Georgia. This Agreement is subject to federal law and, to the 
extent not preempted by federal law, the laws of the State of Georgia (except to the extent that this 
Agreement  can  and  does  vary  from  such  rules  or  laws),  without  regard  to  conflict  of  laws 
principals. If any provision of this Agreement conflicts with the law, you agree the provision will 
be  viewed  as  if  it  was  amended  to  comply  with  the  law.    If  that  is  not  possible,  then  only  the 
provision that conflicts with the law will be deleted.  The remaining provisions of this Agreement 
will remain effective. 

Credit Reports.  You agree that we may obtain consumer credit reports from one or more credit 
reporting agencies or others in connection with opening or maintaining the Account, increasing the 
Credit Limit under the Account, or making any extension of credit to you under the Account.  We 
may  also  ask  you  for  additional  information  in  connection  with  the  Account  and  request  credit 
reports to verify your current credit standing.  You agree that we may release information to others, 
such as credit reporting agencies, regarding the status and history of the Account.  However, we are 
not obligated to release any such information unless required by law. 

We  may  report  information  about  your  Account  to  credit  bureaus.  Late  payments,  missed 
payments, or other defaults on your Account may be reflected in your credit report. If you believe 
that  we  have  furnished  any  inaccurate  information  relating  to  your  Account  to  any  consumer-
reporting agency, you may notify us by phone or mail at 1-800-367-7576; Card Service Center, PO 
Box  569120,  Dallas,  TX  75356.  To  help  us  respond  to  your  notification,  include  your  account 
number,  Social  Security  Number,  the  name  of  the  consumer-reporting  agency  reflecting  the 
inaccurate information, and an explanation of why you believe the information is inaccurate. You 
understand  that  you  may  also  contact  the  appropriate  consumer-reporting  agency  directly  at  the 
appropriate  address  and  toll-free  number:  Equifax,  P.O.  Box  740241,  Atlanta,  GA  30374, 
800.685.1111; Trans Union, P.O. Box 1000, Chester, PA 19022, 800-916-8800; or Experian, P.O. 
Box 2002, Allen, TX 75013, 888.397.3742. 

Change  in  Marital  Status.    A  change  in  marital  status  between  any  of  you  will  not  affect  the 
individual  liability  of  any  of  you  under  this  Agreement.    Your  liability  for  debt  incurred  after  a 
change in status does not end until all Cards and Credit Devices are returned to us, even if you give 
us notice of the change in status and notice that further use by any person is unauthorized. 

Notices.   Notices  given under this Agreement or relating to the  Account  will be effective only if 
given in writing to us at TIB The Independent Bankers Bank, N.A., 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  Bankers  Bank, 
N.A.,  P.O  Box  569120,  Dallas,  Texas  75356-9120.    If  unauthorized  use  of  a  Card  occurs  before 
you notify us of the loss, theft or unauthorized use, you may be liable up to a maximum amount of 
$50.  If unauthorized use of a Credit Device occurs, you may be liable for all of the unauthorized 
use. 
State  Law  Disclosures.    CA  Residents:  Interest  is  compounded  on  unpaid  Interest  Charges  on 
Purchases,  Cash  Advances  and  Balance  Transfers.    MD  Residents:  You  have  the  right  under 
Section 12-510 of the Commercial Law Code to receive an answer to a written inquiry concerning 
the status of your Account. NJ Residents: Because certain provisions of this Agreement are subject 
to applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of 
these provisions, however, is void, unenforceable or inapplicable in New Jersey. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act. 

What to do if you find a mistake on your statement. 
If you think there is an error on your statement, write to us at BBCS, Attn:  Dispute Department, 
1550 North Brown Road, Suite 150, Lawrenceville, GA  30043 as soon as possible. 

In your letter, give us the following information: 

*  Account information:  Your name and Account number. 
*  Dollar amount:  The dollar amount of the suspected error. 
*  Description of problem:  If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake. 

You  must  contact  us  within  60  days  after  the  error  appeared  on  your  statement  and  at  least  3 
business  days  before  an  automated  payment  is  scheduled,  if  you  want  to  stop  payment  on  the 
amount you think is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are not 
required to investigate any potential errors and you may have to pay the amount in question. 

What will happen after we receive your letter. 

When we receive you letter, we must do two things: 

1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter.  

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct. 

While we investigate whether or not there has been an error, we cannot try to collect the amount in 
question, or report you as delinquent on the amount.  The charge in question may remain on your 
statement, and we may continue to charge you interest on that amount.  While you do not have to 
pay the amount in question, you are responsible for the remainder of your balance.  We can apply 
any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

1. 

2. 

If we made a mistake:  You will not have to pay the amount in question or any interest or 
other fees related to that amount. 
If we do not believe there was a mistake:  You will have to pay the amount in question, 
along with applicable interest and fees.  We will send you a statement of the amount you 
owe and the date payment is due.  We may then report you as delinquent if you do not 
pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within  10 
days telling us that you still refuse to pay.  If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill.  We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 

Your rights if you are dissatisfied with your credit card purchases. 

If you are dissatisfied with the  goods or services that you have purchased with your Credit Card, 
and you have tried in good faith to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.  To use this right, all of the following must 
be true: 

1. 

2. 

3. 

The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than 
$50.    (Note:    Neither  of  these  are  necessary  if  your  purchase  was  based  on  an 
advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
goods or services.) 
You must have used your credit card for the purchase.  Purchases made with cash 
advances from an ATM or with a check that accesses your credit card account do 
not qualify. 
You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 
in  writing  at  BBCS,  Attn:    Dispute  Department,  1550  North  Brown  Road,  Suite  150, 
Lawrenceville, GA  30043. 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  
After we finish our investigation, we will tell you our  decision.   At that point, if we think 
you owe an amount and you do not pay, we may report you as delinquent. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Disclosure Statement 

The Credit Card Agreement & this Disclosure Statement constitute the Agreement for the Account. 

Premium and Business Cards 

Classic Cards 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

13.50% 
This APR will vary with the market based on the Prime Rate. a 

APR for Cash Advances 

13.50% 
This APR will vary with the market based on the Prime Rate. a 

Penalty APR and When it 
Applies 

15.50% - This APR will vary with the market based on the Prime Rate. b 

This APR may be applied if you allow your Account to become 60 days past due. 

How Long Will the Penalty Apply?  If your APR is increased for the reason stated 
above, the Penalty APR will apply until you make three consecutive minimum payments 
when due. 

How to Avoid Paying 
Interest on Purchases 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

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/learnmore/. 

Fees 

Annual Fee 

Transaction Fees: 

$12 with the exception of Preferred Points 
which is $35. 

$12 

Balance Transfer and 
Cash Advance 

Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is 
greater. 

International Transaction 

2% of each transaction in U.S. dollars. 

Penalty Fees: 

Late Payment 

Returned Payment 

Up to $25 

Up to $25 

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 the account agreement 
that will be provided to you before you begin using your new card. 

Prime Rate:  The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of 
the 10 largest U.S. banks) published in the Wall Street Journal.  The Index will be adjusted on the 25th day of each month or the business 
day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. 
Changes  in  the  Index  will  take  effect  beginning  with  the  first  billing  cycle  in  the  month  following  a  change  in  the  Index.  Increases  or 
decreases  in  the  Index  will  cause  the  APR  and  periodic  rate  to  fluctuate,  resulting  in  increased  or  decreased  Interest  Charges  on  the 
Account.  As of May 25, 2017, the Index was 4.00%. 

a We add 9.50% to the Prime Rate to determine the APR for Purchases and Cash Advances.  The Account will never have an APR over 

21%. 

b We add 11.50% 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, N.A. The information about the cost of 
the Card described in this table is accurate as of June 1, 2017.  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, N.A., 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. There is no period within which you may repay 
cash advances or balance transfers in order to avoid an Interest Charge. 

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. 

Armed Forces Members and Dependents 

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). If you would like to hear this disclosure orally, please call us at 1-866-415-4842. 

0209 0709 – 4193 4974 8601 – 209A/0601/F209; 8602 – A9000 - 0603 (Rev. 06/17)