b'PLATINUM\nPREMIER RATE\nMASTERCARD\xc2\xae\n\nAGREEMENT\nBILLING RIGHTS\n&\nCREDIT CARD\nDISCLOSURE\n\nIMPORTANT\nKEEP THIS NOTICE\nFOR FUTURE USE\nMC029 R 04/2021\n\n\x0cInterest Rates and Interest Charges\n\nMastercard\xc2\xae\nCredit Cards\nAnnual\nPercentage\nRate (APR)\nfor Purchases\n\nPlatinum Premier Rate\n\n7.70% to 17.90%\n\nwhen you open your account,\nbased on your creditworthiness\nand other factors. After\nthat, this APR will vary with\nthe market based on the\nPrime Rate.\n\nAPR for\nBalance\nTransfers\n\n0% Introductory APR for Balance\nTransfers made during the first\n90 days from the date of account\nopening. Introductory APR\ndoes not apply to purchases.\nPromotional balances will\nremain at 0% APR for 12\nmonths starting from the date\nof the initial Balance Transfer\nrequest. Beginning with the\nthirteenth month, your APR\nwill be 7.70% to 17.90% based\non your creditworthiness and\nother factors. This APR will vary\nwith the market based on the\nPrime Rate.\n\nAPR for Cash\nAdvances\n\n0% Introductory APR for\nCash Advances made during the\nfirst 90 days from the date of\naccount opening. Introductory\nAPR does not apply to\npurchases. Promotional\nbalances will remain at 0% APR\nfor 12 months starting from the\ndate of the initial Cash Advance\nrequest. Beginning with the\nthirteenth month, your APR\nwill be 7.70% to 17.90% based\non your creditworthiness and\nother factors. This APR will vary\nwith the market based on the\nPrime Rate.\n\nPenalty APR\nand When it\nApplies\nMinimum\nInterest\nCharge\n\nNone\n\nNone\n\n\x0cYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you any\ninterest on purchases if you pay\nyour ENTIRE balance, including\nBalance Transfers and Cash\nHow to Avoid\nPaying Interest Advances, by the due date each\nmonth. If the ENTIRE balance is\non Purchases\nnot paid, then interest will be\ncharged on any purchases, but\nnot on the Balance Transfers\nand/or Cash Advances made\nduring the first 90 days of the\naccount opening.\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors\nto consider when applying for\nor using a credit card, visit\nthe website of the Consumer\nFinancial Protection Bureau at:\nhttp://www.consumerfinance.\ngov/learnmore.\nFees\n\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nUp to 2% of the amount\nof each Cash Advance\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over the Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nNone\nUp to $24\n\nHow We Will Calculate Your Balance:\nWe use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including\nnew purchases). See the terms and conditions of this\ncredit card agreement for more details.\nThe information about the cost of the cards described\nin this application is accurate as of 04/2021. This\ninformation may have changed after that date. To find\nout what may have changed, call us at 1-800-580\xe2\x80\x913300\nor write to us at Randolph-Brooks Federal Credit Union\n(RBFCU), P.O. Box 2097, Universal City, TX 78148.\n\n\x0cDEFINITIONS: \xe2\x80\x9cAgreement\xe2\x80\x9d means this RBFCU Platinum Premier Rate Mastercard\xc2\xae\nAgreement. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cCardholder\xe2\x80\x9d mean any person who signs the\nApplication or uses the card. \xe2\x80\x9cCard\xe2\x80\x9d and \xe2\x80\x9cAccount\xe2\x80\x9d mean the RBFCU Platinum\nPremier Rate Mastercard which we issue under this Agreement and includes any\ndevice or check used to obtain credit or cash from the credit card account. The\nterms \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d or \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to RBFCU or any of its assignees.\n\xe2\x80\x9cUse of the card\xe2\x80\x9d means any procedure used by you, or someone authorized by\nyou, to make a purchase or obtain a Cash Advance whether or not the purchase\nor advance is evidenced by a signed document. \xe2\x80\x9cATM\xe2\x80\x9d means automated teller\nmachine. \xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use of the card by someone\nother than you, who does not have actual, implied, or apparent authority for such\nuse, and from which you receive no benefit.\n1. AGREEMENT: This Agreement governs the use of your credit card account with\nus and you agree to be bound by the terms of the Agreement. If your Account\nis a joint Account, all of you will be jointly and individually responsible for all\namounts due under this Agreement. If your application is approved, the Credit\nUnion may, at its discretion, establish a credit card account in your name and\ncause one or more Cards to be issued to you or those designated by you. In\nsuch event, you authorize the Credit Union to pay for your Account, all items\nreflecting credit purchases and Cash Advances obtained through the use of the\nCard. You agree to immediately sign the back of the Card upon receipt in order\nto ensure proper use. You may purchase goods and services by using your Card at\nany retail business establishment authorized to honor the Card. You may obtain\nCash Advances through the use of your Card at a financial institution authorized\nto make such Cash Advances. All retail purchases and Cash Advances are made\nat the option of the merchant or cash-advancing institution. The Credit Union\nis not responsible for refusal by any merchant or cash-advancing institution to\nhonor your Card. Any refund, adjustment, or credit allowed by a merchant will\nbe by a credit notice to the issuer of your Card and will be shown as a credit on\nyour periodic statement.\n2. CREDIT LIMITS: You promise the purchases made or Cash Advances received on\nyour Card will not exceed the credit limit disclosed to you at the time you receive\nyour Card or the credit limit adjusted by the Credit Union.\n3. PROMISE TO PAY: You promise to repay the Credit Union for all payments made\nfor your Account together with an INTEREST CHARGE on the unpaid balance. At\nthe end of each billing cycle, you will be furnished with a periodic statement\nshowing (i) the \xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding balance in the Account\nat the beginning of the billing cycle), (ii) the Amount of all Cash Advances,\npurchases, and INTEREST CHARGES posted to your Account during the billing\ncycle, (iii) the amount of all payments and credits posted to your Account\nduring the billing cycle, and (iv) the \xe2\x80\x9cnew balance\xe2\x80\x9d which is the sum of (i) and\n(ii) less (iii). You agree to pay on or before the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on\nthe periodic statement either the entire \xe2\x80\x9cnew balance\xe2\x80\x9d or a minimum payment\nequal to 2% of the new balance or $25, whichever is greater. You also agree to\npay on or before the \xe2\x80\x9cpayment due date\xe2\x80\x9d as shown on the periodic statement\nany amount in excess of the credit limit established by us and any past due\nminimum payments.\n4. COST OF CREDIT: You agree to pay an INTEREST CHARGE on your Account. This\nsection discloses the circumstances under which an INTEREST CHARGE will be\nimposed and explains how the INTEREST CHARGE is determined:\na. When INTEREST CHARGES begin to Accrue. The INTEREST CHARGE begins to\naccrue for retail purchases on the date each transaction posts to your Account.\nAn INTEREST CHARGE begins to accrue for Balance Transfers and Cash Advances,\nincluding convenience checks, on the date of the Balance Transfer, Cash\nAdvance or the first date of the billing cycle, in which the Cash Advance is\nposted, whichever is later. If you pay the entire previous balance in full within\n25 days after the previous statement date, no INTEREST CHARGE will be imposed\nexcept for Balance Transfers and Cash Advances, including convenience checks.\nb. Balance Subject to INTEREST CHARGE. We figure the INTEREST CHARGE on your\nAccount by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\nAccount (including current transactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we\ntake the beginning balance of your Account each day, add any new purchases,\nCash Advances, and fees and subtract any payments or credits and exclude any\nunpaid INTEREST CHARGES. This gives us the daily balance. Then, we add up all\nthe daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nc. Rate of INTEREST CHARGE. You will pay an INTEREST CHARGE for all charges\nand advances made against your Platinum Premier Rate Mastercard account.\nYou may pay any amount outstanding at any time without penalty for early\npayments. Your actual ANNUAL PERCENTAGE RATE (APR) will be determined\n\n\x0cbased on your creditworthiness and other factors and will be provided to you\nin writing if your application is approved. The APR is based on the U.S. Prime\nRate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), and the APR will equal the Prime Rate plus an additional\namount. If the Prime Rate increases, it will cause the APR to increase. If the\nPrime Rate decreases, it will cause the APR to decrease. The APR is subject to\nchange quarterly. We use the Prime Rate published in The Wall Street Journal\nseven (7) days prior to the end of the quarter. If the Prime Rate causes an APR\nto change, we put the new APR into effect as of the first day of the next billing\nperiod after the start of the January, April, July or October billing cycle for\nwhich we calculate the APR. We apply the new APR to any existing balances,\nsubject to any promotional rate that may apply. If The Wall Street Journal\ndoes not publish the Prime Rate, we will use a similar published rate. If your\nAPR is 7.70% (Prime + 4.45%), you will accrue an INTEREST CHARGE at a rate\nof 0.6417% per month. If your APR is 9.70% (Prime + 6.45%), you will accrue\nan INTEREST CHARGE at a rate of 0.8083% per month. If your APR is 13.90%\n(Prime + 10.65%), you will accrue an INTEREST CHARGE at a rate of 1.1583% per\nmonth per month. If your APR is 17.90% (Prime + 14.65%), you will accrue an\nINTEREST CHARGE at a rate of 1.4917% per month. However, regardless of the\nindex value, the Annual Percentage Rate is currently capped by regulation at\n18.00% (which corresponds to a monthly periodic rate of 1.5000%). RBFCU\nreserves the right to increase the maximum interest rate if permitted by law\nor regulation.\n5. OTHER CHARGES: Late Fee: If you do not pay your minimum payment within 15\ndays following your payment due date, you may be charged a late fee of up to\n$25. Returned Payment Fee: We will add a fee to your balance of up to $24 when\na payment check or similar instrument is not honored, when we must return it\nbecause it cannot be processed, or when an automatic debit is returned unpaid.\nAt our option, we will assess this fee the first time your check or payment is\nnot honored, even if it is honored upon resubmission. Cash Advance Fee: A fee\nequivalent to 2% of the amount of each Cash Advance will be assessed. This will\nbe charged separately from the amount of your Cash Advance request.\n6. LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized\nuse of your Card. If you notice the loss or theft of your Card or a possible\nunauthorized use of your Card, you should call our designee immediately at:\n(866) 839-3485. You may also write to our designee at: Customer Service, P.O.\nBox 30495, Tampa, FL 33630.\nAlthough you may write to notify our designee of unauthorized use, calling our\ndesignee immediately at the telephone number above is the best way to keep your\npossible losses down.\nUnder Mastercard\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use\nof your Mastercard once you notify our designee orally or in writing of the loss,\ntheft, or possible unauthorized use and you meet the following conditions: (i) you\nhave exercised reasonable care in safeguarding your Mastercard from risk or loss\nor theft, and (ii) you have, upon becoming aware of the loss or theft, promptly\nreported the loss or theft to our designee.\nYou will not be liable for any unauthorized use that occurs after you notify our\ndesignee. You may, however, be liable for unauthorized use that occurs before your\nnotice to our designee. In any case, your liability will not exceed $50. The foregoing\nliability limitations do not apply to (i) Card use from which any Cardholder receives a\nbenefit; or (ii) use of the Card by a person with actual, implied or apparent authority.\n7. CREDITING OF PAYMENTS: We will accept payments at the address indicated\non the Platinum Premier Rate Rewards Mastercard periodic statement. All\npayments will be credited by other means, in most cases as of the day of receipt.\nIf payment is made by any other means such as RBFCU Online Banking or at an\nRBFCU branch, credit for such payment may be delayed up to seven (7) days. You\nunderstand and agree that payments will be applied in the following order: (i)\nTo the late charge and fees, (ii) to INTEREST CHARGES, (iii) to Cash Advances,\nand (iv) to purchases. All payments made by you must be in U.S. dollars.\n8. INTERNATIONAL TRANSACTIONS: If you effect an international transaction with\nyour Mastercard, Mastercard Worldwide will convert the charge into a U.S. dollar\namount. Mastercard Worldwide will use its currency conversion procedure,\nwhich is disclosed to institutions that issue Mastercard cards. Currently, the\ncurrency conversion rate used by Mastercard Worldwide to determine the\ntransaction amount in U.S. dollars for such transactions is generally either a\ngovernment\xe2\x80\x91mandated exchange rate or a wholesale exchange rate selected by\nMastercard Worldwide for the applicable currency on the day the transaction is\nprocessed, which may differ from the applicable rate on the date the transaction\noccurred or when the transaction is posted to your Account. RBFCU does not\ncharge any fees for foreign currency transactions.\n\n\x0c9. DEFAULT: You understand you will be in default (i) if you fail to make any payment\non time; (ii) if you fail to notify the Credit Union in writing of any change of\nemployers; (iii) if you become the subject of an order of relief under the U.S.\nbankruptcy laws; (iv) if you are the subject of any legal process which seeks to\nattach your Credit Union account; (v) if you have given the Credit Union false or\ninaccurate information in obtaining the credit card; (vi) if anything happens which\nthe Credit Union believes endangers your ability to repay what you owe, including,\nbut not limited to, leaving your current employment; (vii) if you fail to report the\nCard lost or not in your possession; (viii) if you break any promise you made under\nthis or any other agreement with the Credit Union.\n10. NON-WAIVER: We can accept late payments or partial payments or checks or\nmoney orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing our rights under this\nAgreement. We can also delay enforcing any of our rights under this Agreement\nwithout losing them. Our failure to take action following any event of default shall\nnot constitute a waiver of our right to take action in the event of a future default.\n11. ACCELERATION: In the event that you are in default, we may declare any amounts\nyou still owe immediately due and payable plus INTEREST CHARGES which will\ncontinue to accrue until the entire amount you owe is paid. You expressly waive\npresentment, demand, notice of intention to accelerate, and notice of acceleration\nof the maturity of any amounts owing under this Agreement. The Card remains the\nproperty of the Credit Union at all times and you agree to immediately surrender\nthe Card upon demand. You agree that, once you are informed by the Credit Union\nor its designee that your Account is in default, you will not attempt to make further\nCash Advances or purchases on the Card. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the\nrecovery of the Card.\n12. AUTHORIZED USERS: An authorized user is an individual who has charging\nprivileges on a Credit Card Account even though he or she is not the primary\nCardholder. The primary Cardholder is solely responsible for the Account. The\nprimary Cardholder must notify the authorized user that the Account will be\nreported to a credit bureau and thus will show up on their credit report, which\ncan impact them positively or negatively, depending on how the Account is\nhandled. You agree to pay for all purchases and Cash Advances made by anyone\nwhom you authorize to use a Card issued on your Credit Card Account. If at any\ntime the primary Cardholder wants to terminate that person\xe2\x80\x99s privilege as an\nauthorized user, the primary Cardholder must contact us. At that time, since credit\nCardholders share the same Card number, all Cards associated with the Account\nwill be blocked to prevent future unauthorized usage. Any remaining active\nCardholders will receive new Cards with a new number. The primary Cardholder\nagrees to notify all associated parties.\nInformation About Authorized Users: By providing us certain personal\ninformation about each authorized user, you confirm each authorized user has\nallowed you to give us personal information. This may include, but is not limited\nto, name, address, Social Security number, date of birth and citizenship status.\n13. NOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER\nREPORTING AGENCIES: Periodically, we may report the status and payment\nhistory of your Account to credit reporting agencies. If you believe that the\ninformation we have reported is inaccurate or incomplete, please notify us\nin writing at: RBFCU, Attn: Credit Disputes, P.O. Box 2097, Universal City, TX\n78148. Please include your name, address, telephone numbers, account\nnumber and description of your problem.\n14. CREDIT INVESTIGATION: In conjunction with your application for credit and,\nif approved, maintenance of your Account, you agree that we have the right to\ninvestigate your credit and employment history, to verify your credit references,\nto request and use credit reports, and to report the way you pay your Account to\ncredit bureaus and other interested parties.\n15. ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered as\npart of the total Agreement and cannot, in any way, be severed from it. However, you\nalso agree that should any part of the Agreement be found invalid, it will in no way\naffect the remainder of the Agreement. You understand the validity, construction, and\nenforcement of this Agreement shall be governed by the laws of the State of Texas.\nThe Credit Union does not warrant any merchandise or services purchased by you with\nthe Card. Notwithstanding any other provisions contained in this Agreement, we do\nnot intend to charge, and you shall not be required to pay, any amount of INTEREST\nCHARGES or other fee or charge that is in excess of the maximum permitted by\napplicable law. Any payments in excess of the maximum shall be refunded to you or\ncredited against your principal balance at our option.\n\n\x0c16. TERMINATION OR CHANGES: The Credit Union can, with or without written\nnotice, terminate this Agreement at any time. You may terminate this Agreement\nby written notice, as to future advances at any time. Termination by either party\nshall not affect your obligation to repay any payments made for your account\nresulting from use of the Card as well as INTEREST CHARGES and other related\ncharges. The Credit Union has the right to add to, delete, or change the terms\nof this Agreement, including the periodic rate. If you use your Card to make a\npurchase or obtain a Cash Advance after having been given notice of a change\nin terms, you agree that the existing balance in your Account at the time of that\nuse will be subject to the new terms, as shall subsequent uses. You expressly\nagree that, at our option, we may decline to renew your Account beyond the\nexpiration date shown on the face of your Card without notice.\n17. LIEN AND SECURITY INTEREST: If you have other loans with the Credit Union,\nnow or in the future, (except for loans secured by any dwelling), collateral\nsecuring those loans may also secure your obligations under this Agreement.\nPlease read any security agreement you sign in order to determine if the\ncollateral also secures your obligations under this Agreement and other\nagreements you have with us.\n\nAdditionally, you specifically grant the Credit Union a\nlien and consensual security interest in all individual\nand joint accounts, present and future shares and\ndeposits held in any deposit accounts you have with\nus now and in the future to secure repayment of credit\nextensions made under this agreement. The granting of\nthis security interest is a condition for the issuance of\nany card, which you may use, directly or indirectly, to\nobtain extensions of credit under this agreement. This\ndoes not apply to shares in an Individual Retirement\nAccount or Simplified Employee Plan qualifying as\nsuch under the Internal Revenue Code. You authorize\nthe Credit Union to take money from any non-exempt\ndeposit account and apply it to what you owe, if you are\nin default.\n18. ILLEGAL CARD USE: You may not use your Card for any illegal transaction.\nYou agree that we may decline to process any transaction which we believe\nin good faith to be for an illegal purpose. You agree that we will not be\nliable for declining to process any such transaction. If we do process any\ntransaction which ultimately is determined to have been for an illegal\npurpose, you agree that you will remain liable to us under this Agreement\nfor any such transaction notwithstanding its illegal nature. You agree\nthat any illegal use of the Card will be deemed an act of default under\nthis Agreement. You further agree to waive any right to take legal action\nagainst us for your illegal use of the Card and to indemnify and hold us and\nMastercard Worldwide harmless from and against any lawsuits, other legal\naction, or liability that results directly or indirectly from such illegal use.\n19. AGREEMENT AND ACKNOWLEDGMENT: You acknowledge and agree that\nthe use of the Card by you or anyone authorized by you shall constitute\nyour acknowledgment that you have received and read this Agreement and\nthat you agree to the terms and conditions and promise to perform all the\nobligations, requirements, and duties contained in this Agreement. Use of\nthis Card by you or anyone you authorize will also constitute consent to\nthe pledge of shares or deposits as described above.\n20. CARDHOLDER RESPONSIBILITY: It is the responsibility of the Cardholder\nto update Card information with any third-party or automatic bill-payment\nservice upon receiving a reissued or replacement card. The Credit Union\ndoes not update or provide Card information to any third-party or billpayment service that the Cardholder may have previously authorized.\n\n\x0cYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to our designee at: Customer\nService, P.O. Box 30495, Tampa, FL 33630.\nIn your letter, give the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is incorrect and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least three (3) business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is incorrect.\nYou must notify us of any potential errors in writing. You may call us, but if you do,\nwe are not required to investigate any potential errors and you may have to pay the\namount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is incorrect, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith Cash Advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact our designee in writing at: Customer Service, P.O. Box\n30495, Tampa, FL 33630.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n\x0c'


b'PLATINUM\nCASHBACK\nREWARDS\nMASTERCARD\xc2\xae\nAGREEMENT\nBILLING RIGHTS\n&\nCREDIT CARD\nDISCLOSURE\n\nIMPORTANT\nKEEP THIS NOTICE\nFOR FUTURE USE\nMC028 R 04/2021\n\n\x0cInterest Rates and Interest Charges\nMastercard\xc2\xae\nCredit Cards\nAnnual\nPercentage\nRate (APR)\nfor Purchases\n\nPlatinum CashBack Rewards\n\n13.90% to 18.00%\n\nwhen you open your account,\nbased on your creditworthiness\nand other factors. After that,\nthis APR will vary with the\nmarket based on the\nPrime Rate.\n\n0% Introductory APR for\nBalance Transfers made\nduring the first 90 days from\nthe date of account opening.\nIntroductory APR does not\napply to purchases. Promotional\nbalances will remain at 0% APR\nAPR for Balance\nfor 12 months starting from\nTransfers\nthe date of the initial Balance\nTransfer request. Beginning\nwith the thirteenth month, your\nAPR will be 13.90% to 18.00%\nbased on your creditworthiness\nand other factors. This APR will\nvary with the market based on\nthe Prime Rate.\n\nAPR for Cash\nAdvances\n\n0% Introductory APR for\nCash Advances made during\nthe first 90 days from the\ndate of account opening.\nIntroductory APR does not\napply to purchases. Promotional\nbalances will remain at 0% APR\nfor 12 months starting from the\ndate of the initial Cash Advance\nrequest. Beginning with the\nthirteenth month, your APR will\nbe 13.90% to 18.00% based\non your creditworthiness and\nother factors. This APR will vary\nwith the market based on the\nPrime Rate.\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nMinimum\nInterest Charge\n\nNone\n\n\x0cYour due date is at least 25 days\nafter the close of each billing\ncycle. We will not charge you any\ninterest on purchases if you pay\nyour ENTIRE balance, including\nHow to Avoid\nBalance Transfers and Cash\nPaying Interest Advances, by the due date each\non Purchases\nmonth. If the ENTIRE balance is\nnot paid, then interest will be\ncharged on any purchases, but not\non the Balance Transfers or Cash\nAdvances made during the first 90\ndays of the account opening.\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors\nto consider when applying for\nor using a credit card, visit\nthe website of the Consumer\nFinancial Protection Bureau at:\nhttp://www.consumerfinance.\ngov/learnmore.\n\nAnnual Fee\n\nFees\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nUp to 2% of the amount\nof each Cash Advance\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over the Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nNone\nUp to $24\n\nHow We Will Calculate Your Balance:\nWe use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d\n(including new purchases). See the terms and conditions\nof this credit card agreement for more details.\nThe information about the cost of the cards described\nin this application is accurate as of 04/2021. This\ninformation may have changed after that date. To find\nout what may have changed, call us at 1-800\xe2\x80\x91580\xe2\x80\x913300\nor write to us at Randolph-Brooks Federal Credit Union\n(RBFCU), P.O. Box 2097, Universal City, TX 78148.\n\n\x0cDEFINITIONS: \xe2\x80\x9cAgreement\xe2\x80\x9d means this RBFCU Platinum CashBack Rewards\nMastercard\xc2\xae Agreement. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cCardholder\xe2\x80\x9d mean any person who signs\nthe Application or uses the card. \xe2\x80\x9cCard\xe2\x80\x9d and \xe2\x80\x9cAccount\xe2\x80\x9d mean the RBFCU CashBack\nRewards Mastercard which we issue under this Agreement and includes any device\nor check used to obtain credit or cash from the credit card account. The terms \xe2\x80\x9cour,\xe2\x80\x9d\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d or \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to RBFCU or any of its assignees. \xe2\x80\x9cUse of the card\xe2\x80\x9d\nmeans any procedure used by you, or someone authorized by you, to make a purchase\nor obtain a Cash Advance whether or not the purchase or advance is evidenced by a\nsigned document. \xe2\x80\x9cATM\xe2\x80\x9d means automated teller machine. \xe2\x80\x9cUnauthorized use of the\ncard\xe2\x80\x9d means the use of the card by someone other than you, who does not have actual,\nimplied, or apparent authority for such use, and from which you receive no benefit.\n1. AGREEMENT: This Agreement governs the use of your credit card account with us\nand you agree to be bound by the terms of the Agreement. If your Account is a joint\nAccount, all of you will be jointly and individually responsible for all amounts due\nunder this Agreement. If your application is approved, the Credit Union may, at its\ndiscretion, establish a credit card account in your name and cause one or more cards\nto be issued to you or those designated by you. In such event, you authorize the\nCredit Union to pay for your Account, all items reflecting credit purchases and Cash\nAdvances obtained through the use of the Card. You agree to immediately sign the\nback of the Card upon receipt in order to ensure proper use. You may purchase goods\nand services by using your Card at any retail business establishment authorized to\nhonor the Card. You may obtain Cash Advances through the use of your Card at a\nfinancial institution authorized to make such Cash Advances. All retail purchases\nand Cash Advances are made at the option of the merchant or cash-advancing\ninstitution. The Credit Union is not responsible for refusal by any merchant or cashadvancing institution to honor your Card. Any refund, adjustment, or credit allowed\nby a merchant will be by a credit notice to the issuer of your Card and will be shown\nas a credit on your periodic statement.\n2. CREDIT LIMITS: You promise the purchases made or Cash Advances received on your\nCard will not exceed the credit limit disclosed to you at the time you receive your\nCard or the credit limit adjusted by the Credit Union.\n3. PROMISE TO PAY: You promise to repay the Credit Union for all payments made for\nyour Account together with an INTEREST CHARGE on the unpaid balance. At the end\nof each billing cycle you will be furnished with a periodic statement showing (i) the\n\xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding balance in the Account at the beginning of\nthe billing cycle), (ii) the amount of all Cash Advances, purchases, and INTEREST\nCHARGES posted to your Account during the billing cycle, (iii) the amount of all\npayments and credits posted to your Account during the billing cycle, and (iv) the\n\xe2\x80\x9cnew balance\xe2\x80\x9d which is the sum of (i) and (ii) less (iii). You agree to pay on or before\nthe \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on the periodic statement either the entire \xe2\x80\x9cnew\nbalance\xe2\x80\x9d or a minimum payment equal to 2% of the new balance or $25, whichever\nis greater. You also agree to pay on or before the \xe2\x80\x9cpayment due date\xe2\x80\x9d as shown on\nthe periodic statement any amount in excess of the credit limit established by us\nand any past due minimum payments.\n4. COST OF CREDIT: You agree to pay an INTEREST CHARGE on your Account. This\nsection discloses the circumstances under which an INTEREST CHARGE will be\nimposed and explains how the INTEREST CHARGE is determined:\na. When INTEREST CHARGES begin to Accrue. The INTEREST CHARGE begins to\naccrue for retail purchases on the date each transaction posts to your Account.\nAn INTEREST CHARGE begins to accrue for Balance Transfers and Cash Advances,\nincluding convenience checks, on the date of the Balance Transfer, Cash\nAdvances or the first date of the billing cycle, in which the Cash Advance is\nposted, whichever is later. If you pay the entire previous balance in full within\n25 days after the previous statement date, no INTEREST CHARGE will be imposed\nexcept for Balance Transfers and Cash Advances, including convenience checks.\nb. Balance Subject to INTEREST CHARGE. We figure the INTEREST CHARGE on your\nAccount by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\nAccount (including current transactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we\ntake the beginning balance of your Account each day, add any new purchases,\nCash Advances, and fees and subtract any payments or credits and exclude any\nunpaid INTEREST CHARGES. This gives us the daily balance. Then, we add up all\nthe daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nc. Rate of INTEREST CHARGE. You will pay an INTEREST CHARGE for all charges and\nadvances made against your Platinum CashBack Rewards Mastercard account.\nYou may pay any amount outstanding at any time without penalty for early\npayments. Your actual ANNUAL PERCENTAGE RATE (APR) will be determined based\non your creditworthiness and other factors and will be provided to you in writing\nif your application is approved. The APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime\nRate\xe2\x80\x9d), and the APR will equal the Prime Rate plus an additional amount. If the\n\n\x0cPrime Rate increases, it will cause the APR to increase. If the Prime Rate decreases,\nit will cause the APR to decrease. The APR is subject to change quarterly. We use the\nPrime Rate published in The Wall Street Journal seven (7) days prior to the end of\nthe quarter. If the Prime Rate causes an APR to change, we put the new APR into\neffect as of the first day of the next billing period after the start of the January,\nApril, July or October billing cycle for which we calculate the APR. We apply the\nnew APR to any existing balances, subject to any promotional rate that may apply.\nIf The Wall Street Journal does not publish the Prime Rate, we will use a similar\npublished rate. If your APR is 13.90% (Prime + 10.65), you will accrue an INTEREST\nCHARGE at a rate of 1.1583% per month. If your APR is 15.90% (Prime + 12.65%),\nyou will accrue an INTEREST CHARGE at a rate of 1.3250% per month. If your APR is\n17.90% (Prime + 14.65%), you will accrue an INTEREST CHARGE at a rate of 1.4917%\nper month. If your APR is 21.90% (Prime + 18.65%), you will accrue an INTEREST\nCHARGE at a rate of 1.8250% per month. However, regardless of the index value,\nthe Annual Percentage Rate is currently capped by regulation at 18.00% (which\ncorresponds to a monthly periodic rate of 1.5000%). RBFCU reserves the right to\nincrease the maximum interest rate if permitted by law or regulation.\n5. OTHER CHARGES: Late Fee: If you do not pay your minimum payment within 15\ndays following your payment due date, you may be charged a late fee of up to\n$25. Returned Payment Fee: We will add a fee to your balance of up to $24 when\na payment check or similar instrument is not honored, when we must return it\nbecause it cannot be processed, or when an automatic debit is returned unpaid.\nAt our option, we will assess this fee the first time your check or payment is not\nhonored, even if it is honored upon resubmission. Cash Advance Fee: A fee\nequivalent to 2% of the amount of each Cash Advance will be assessed. This will be\ncharged separately from the amount of your Cash Advance request.\n6. LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use\nof your Card. If you notice the loss or theft of your Card or a possible unauthorized\nuse of your Card, you should call our designee immediately at: (866) 8393485. You may also write to our designee at: Customer Service, P.O. Box 30495,\nTampa, FL 33630.\nAlthough you may write to notify our designee of unauthorized use, calling our\ndesignee immediately at the telephone number above is the best way to keep your\npossible losses down.\nUnder Mastercard\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use\nof your Mastercard once you notify our designee orally or in writing of the loss,\ntheft, or possible unauthorized use and you meet the following conditions: (i) you\nhave exercised reasonable care in safeguarding your Mastercard from risk or loss\nor theft, and (ii) you have, upon becoming aware of the loss or theft, promptly\nreported the loss or theft to our designee.\nYou will not be liable for any unauthorized use that occurs after you notify our\ndesignee. You may, however, be liable for unauthorized use that occurs before your\nnotice to our designee. In any case, your liability will not exceed $50. The foregoing\nliability limitations do not apply to (i) Card use from which any Cardholder receives a\nbenefit; or (ii) use of the Card by a person with actual, implied or apparent authority.\n7. CREDITING OF PAYMENTS: We will accept payments at the address indicated on the\nPlatinum CashBack Rewards Mastercard periodic statement. All payments will be\ncredited to your Account promptly, in most cases as of the day of receipt. If payment\nis made by other means such as RBFCU Online Banking or at an RBFCU branch, credit\nfor such payment may be delayed up to seven (7) days. You understand and agree\nthat payments will be applied in the following order: (i) To the late charge and\nfees, (ii) to INTEREST CHARGES, (iii) to Cash Advances and (iv) to purchases. All\npayments made by you must be in U.S. dollars.\n8. INTERNATIONAL TRANSACTIONS: If you effect an international transaction with\nyour Mastercard, Mastercard Worldwide will convert the charge into a U.S. dollar\namount. Mastercard Worldwide will use its currency conversion procedure, which\nis disclosed to institutions that issue Mastercard cards. Currently, the currency\nconversion rate used by Mastercard Worldwide to determine the transaction amount\nin U.S. dollars for such transactions is generally either a government\xe2\x80\x91mandated\nexchange rate or a wholesale exchange rate selected by Mastercard Worldwide\nfor the applicable currency on the day the transaction is processed, which may\ndiffer from the applicable rate on the date the transaction occurred or when the\ntransaction is posted to your Account. RBFCU does not charge any fees for foreign\ncurrency transactions.\n9. DEFAULT: You understand you will be in default (i) if you fail to make any payment\non time; (ii) if you fail to notify the Credit Union in writing of any change of\nemployers; (iii) if you become the subject of an order of relief under the U.S.\nbankruptcy laws; (iv) if you are the subject of any legal process which seeks to\nattach your Credit Union account; (v) if you have given the Credit Union false\nor inaccurate information in obtaining the credit card; (vi) if anything happens\n\n\x0cwhich the Credit Union believes endangers your ability to repay what you owe,\nincluding, but not limited to, leaving your current employment; (vii) if you fail to\nreport the Card lost or not in your possession; (viii) if you break any promise you\nmade under this or any other agreement with the Credit Union.\n10. NON-WAIVER: We can accept late payments or partial payments or checks or\nmoney orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing our rights under this\nAgreement. We can also delay enforcing any of our rights under this Agreement\nwithout losing them. Our failure to take action following any event of default shall\nnot constitute a waiver of our right to take action in the event of a future default.\n11. ACCELERATION: In the event that you are in default, we may declare any amounts\nyou still owe immediately due and payable plus INTEREST CHARGES which will\ncontinue to accrue until the entire amount you owe is paid. You expressly waive\npresentment, demand, notice of intention to accelerate, and notice of acceleration\nof the maturity of any amounts owing under this Agreement. The Card remains the\nproperty of the Credit Union at all times and you agree to immediately surrender\nthe Card upon demand. You agree that, once you are informed by the Credit Union\nor its designee that your account is in default, you will not attempt to make further\nCash Advances or purchases on the Card. You agree to pay all reasonable costs of\ncollection, including court costs and attorney\xe2\x80\x99s fees, and any costs incurred in the\nrecovery of the Card.\n12. AUTHORIZED USERS: An authorized user is an individual who has charging\nprivileges on a credit card account even though he or she is not the primary\nCardholder. The primary Cardholder is solely responsible for the Account. The\nprimary Cardholder must notify the authorized user that the Account will be\nreported to a credit bureau and thus will show up on their credit report, which\ncan impact them positively or negatively, depending on how the Account is\nhandled. You agree to pay for all purchases and Cash Advances made by anyone\nwhom you authorize to use a Card issued on your credit card account. If at any\ntime the primary Cardholder wants to terminate that person\xe2\x80\x99s privilege as an\nauthorized user, the primary Cardholder must contact us. At that time, since credit\nCardholders share the same card number, all cards associated with the Account\nwill be blocked to prevent future unauthorized usage. Any remaining active\nCardholders will receive new cards with a new number. The primary Cardholder\nagrees to notify all associated parties.\nINFORMATION ABOUT AUTHORIZED USERS: By providing us certain personal\ninformation about each authorized user, you confirm each authorized user has\nallowed you to give us personal information. This may include, but is not limited\nto, name, address, Social Security number, date of birth and citizenship status.\n13. NOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER\nREPORTING AGENCIES: Periodically, we may report the status and payment\nhistory of your Account to credit reporting agencies. If you believe that the\ninformation we have reported is inaccurate or incomplete, please notify us\nin writing at: RBFCU, Attn: Credit Disputes, P.O. Box 2097, Universal City, TX\n78148. Please include your name, address, telephone numbers, Account\nnumber and description of your problem.\n14. CREDIT INVESTIGATION: In conjunction with your application for credit and,\nif approved, maintenance of your Account, you agree that we have the right to\ninvestigate your credit and employment history, to verify your credit references,\nto request and use credit reports, and to report the way you pay your Account to\ncredit bureaus and other interested parties.\n15. ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered\nas part of the total Agreement and cannot, in any way, be severed from it. However,\nyou also agree that should any part of the Agreement be found invalid, it will in\nno way affect the remainder of the Agreement. You understand the validity,\nconstruction, and enforcement of this Agreement shall be governed by the laws of\nthe State of Texas. The Credit Union does not warrant any merchandise or services\npurchased by you with the Card. Notwithstanding any other provisions contained\nin this Agreement, we do not intend to charge, and you shall not be required to\npay, any amount of INTEREST CHARGES or other fee or charge that is in excess of\nthe maximum permitted by applicable law. Any payments in excess of the maximum\nshall be refunded to you or credited against your principal balance at our option.\n16. TERMINATION OR CHANGES: The Credit Union can, with or without written notice,\nterminate this Agreement at any time. You may terminate this Agreement by\nwritten notice, as to future advances at any time. Termination by either party shall\nnot affect your obligation to repay any payments made for your account resulting\nfrom use of the Card as well as INTEREST CHARGES and other related charges. The\nCredit Union has the right to add to, delete, or change the terms of this Agreement,\nincluding the periodic rate. If you use your Card to make a purchase or obtain a\nCash Advance after having been given notice of a change in terms, you agree that\nthe existing balance in your Account at the time of that use will be subject to the\n\n\x0cnew terms, as shall subsequent uses. You expressly agree that, at our option, we\nmay decline to renew your Account beyond the expiration date shown on the\nface of your card without notice.\n17. LIEN AND SECURITY INTEREST: If you have other loans with the Credit Union,\nnow or in the future, (except for loans secured by any dwelling), collateral\nsecuring those loans may also secure your obligations under this Agreement.\nPlease read any security agreement you sign in order to determine if the\ncollateral also secures your obligations under this Agreement and other\nagreements you have with us.\n\nAdditionally, you specifically grant the Credit Union a lien and\nconsensual security interest in all individual and joint accounts,\npresent and future shares and deposits held in any deposit\naccounts you have with us now and in the future to secure\nrepayment of credit extensions made under this agreement. The\ngranting of this security interest is a condition for the issuance\nof any card, which you may use, directly or indirectly, to obtain\nextensions of credit under this Agreement. This does not apply\nto shares in an Individual Retirement Account or Simplified\nEmployee Plan qualifying as such under the Internal Revenue\nCode. You authorize the Credit Union to take money from any\nnon-exempt deposit account and apply it to what you owe, if you\nare in default.\n18. ILLEGAL CARD USE: You may not use your Card for any illegal transaction.\nYou agree that we may decline to process any transaction which we believe in\ngood faith to be for an illegal purpose. You agree that we will not be liable for\ndeclining to process any such transaction. If we do process any transaction\nwhich ultimately is determined to have been for an illegal purpose, you agree\nthat you will remain liable to us under this Agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the Card will\nbe deemed an act of default under this Agreement. You further agree to waive\nany right to take legal action against us for your illegal use of the Card and to\nindemnify and hold us and Mastercard Worldwide harmless from and against any\nlawsuits, other legal action, or liability that results directly or indirectly from\nsuch illegal use.\n19. CASHBACK REWARDS: The Cashback Rewards Program pays a reward equivalent\nto 2% of the transaction amount for each qualified purchase completed with\nyour Card. ATM withdrawals, Balance Transfers, Cash Advances, finance\ncharges, fees and any other non-purchase transactions do not qualify for\nrewards. The cash back is redeemable online or is paid once a year after the\nProgram calendar year ends on September 30. Your Card must be open and in\ngood standing at the time of reward redemption. Payment of the reward may\nbe made by direct deposit to a deposit account of your choosing. We reserve\nthe right to disqualify transactions that are not usual or customary and are\napparently structured or intended to abuse the program. Abuse of the program\nmay result in loss of rewards and Card privileges. We may add to, change, or\ndelete any of the terms of this program or discontinue this program at any time\nat our sole and absolute discretion.\n20. AGREEMENT AND ACKNOWLEDGMENT: You acknowledge and agree that\nthe use of the Card by you or anyone authorized by you shall constitute\nyour acknowledgment that you have received and read this Agreement and\nthat you agree to the terms and conditions and promise to perform all the\nobligations, requirements, and duties contained in this Agreement. Use of\nthis Card by you or anyone you authorize will also constitute consent to the\npledge of shares or deposits as described above.\n21. CARDHOLDER RESPONSIBILITY: It is the responsibility of the Cardholder\nto update Card information with any third-party or automatic bill-payment\nservice upon receiving a reissued or replacement Card. The Credit Union does\nnot update or provide Card information to any third-party or bill\xe2\x80\x91payment\nservice that the Cardholder may have previously authorized.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\n\n\x0cWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to our designee at:\nCustomer Service, P.O. Box 30495, Tampa, FL 33630.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is incorrect and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least (3) business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is incorrect.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have to\npay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is incorrect, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with Cash\nAdvances from an ATM or with a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact our designee in writing at: Customer Service, P.O. Box 30495, Tampa,\nFL 33630.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think\nyou owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'