Republic Bank & Trust Company - Cardholder Account Agreement

The following terms and conditions govern the use of your MASTERCARD® Personal Cash Rewards
Card Account (“Account”) and any Card or other Access Device (“Access Device”) issued by Republic
Bank & Trust Company (“Issuer”).
1. RESPONSIBILITY. By signing or permitting others to sign the Card or credit application, or by using or
permitting others to use the Access Device or Account number, Customer named therein accepts these
terms and conditions and assumes responsibility for all credit extended through use of the Account,
except that Customer’s liability for unauthorized use will be limited as hereinafter provided. Any Access
Device remains the property of the Issuer and shall be surrendered upon Issuer’s request. The Account
and its privileges are not transferable by Customer and may be cancelled or revoked or the Credit Limit
may be reduced or frozen by Issuer at any time for any reason without notice subject to any legal
provisions or requirements under applicable law. Issuer has no responsibility for the refusal of any seller
to honor the Account, or for merchandise or services purchased through the use of the Account, other
than Billing Rights. Transactions restricted by the Unlawful Internet Gambling Enforcement Act of 2006
(UIGEA) are prohibited from being processed through the Account. Additional information can be
obtained at 1-866-292-0856.
2. UNAUTHORIZED USE, LOSS, OR THEFT. You must notify the Issuer of loss, theft or unauthorized
use of your MASTERCARD Account by calling toll-free telephone number 1-866-292-0856, or in writing
to Customer Service, P.O. Box 30495, Tampa, FL 33630 Attention: Security Department. After your
notice of unauthorized use to us, your liability will not exceed $50. Issuer may, to the extent allowed
under applicable law, increase the limit of the Customer’s liability for unauthorized MASTERCARD
transactions only if the Issuer determines that the Customer was grossly negligent or fraudulent in the
handling of the Account or Card.
3. CREDIT LIMIT. Customer may use the Account to obtain credit for Purchases from authorized sellers
or Cash Advances from any Bank Card lender. Purchases and Cash Advances shall also include
charges approved by Issuer for Customer by means of other device, check or program for credit
transactions, including any INTEREST CHARGES that result in a charge to the Account. Customer
agrees not to incur charges to the Account which exceed the maximum credit authorized by the Issuer.
In the event the Customer incurs charges in amounts exceeding such maximum authorized credit, the
Customer shall pay immediately the amount by which the Total New Balance exceeds such maximum
authorized credit.
4. PAYMENTS. Customer agrees to pay, in accordance with billings, indebtedness incurred for
Purchases, Cash Advances, any applicable INTEREST CHARGE, the Annual Fee, any Late Payment
Fee, and any other fees imposed from time to time pursuant to these terms and conditions, and in the
event of Customer’s breach or default in the performance of these terms and conditions, all additional
costs and expenses incurred by Issuer resulting therefrom including reasonable attorney fees. All
payments by Customer shall be made in U.S dollars. Issuer may place a reasonable hold on the
crediting of check payments.
5. PERIODIC STATEMENT AND PAYMENT SCHEDULE. Issuer will send to Customer a statement for
each billing cycle in which the Total New Balance (debit or credit) for Purchases and Cash Advances
exceeds $1.00 on the last day of the billing cycle or in which an INTEREST CHARGE has been
imposed. Customer must pay at least the minimum payment due disclosed on the statement which will
be 2% of the Total New Balance disclosed on the statement, or $15.00 whichever Is greater (or the
portion of $15.00 that is necessary to pay the Total New Balance in full) plus all indebtedness which
exceeds the Credit Limit and all amounts listed as “Past Due” on the Account. The minimum payment
will be rounded up to the nearest whole dollar amount. Payments in excess of the minimum payment
amount or additional payments may be made at any time but shall not affect Customer’s obligation to
pay succeeding monthly payments so long as any amount is due and owing on the Account. INTEREST
CHARGES on the Purchases New Balance disclosed on any monthly statement may be avoided by
payment of either the Total New Balance or Purchases New Balance in full on or before the Payment
Due Date as disclosed on the monthly statement. If not so paid, INTEREST CHARGES will be incurred
on the principal portion of the Purchases New Balance as of the Statement Closing Date as disclosed on
the monthly statement, and INTEREST CHARGES will be incurred on the New Purchases posted to the
Account during the next billing cycle as of the date of posting of each. INTEREST CHARGES are
incurred on Cash Advances from the date the money is advanced until payment in full is received.
6. SCHEDULE OF FEES.
(a) Reissue Fee. NONE
(b) Expedited Phone Payment. An Expedited Phone Payment Fee of $6.00 will be imposed if the
payment involves an expedited service by a service representative.
(c) Late Payment Fee. If a payment of at least the amount of the minimum required payment disclosed
on the periodic statement is not received by the Payment Due Date, a penalty fee of $25.00 will be
imposed.
(d) Returned Payment Fee. If any check or other instrument given for payment of the Account is
dishonored for any reason, a penalty fee of $25.00 will be imposed.
(e) Annual Fee. NONE
(f) Cash Advance Limit and Fee. Cash Advances are limited to the amount of the Credit Limit. An
INTEREST CHARGE will be computed on the amount of each Cash Advance as of the date of the
transaction. The INTEREST CHARGE will be either $3.00 or 3% of the Cash Advance, whichever is
greater. Any Cash Advance INTEREST CHARGE may increase the actual Annual Percentage Rate.
(g) International Transaction Fee. Transactions processed outside the United States will be charged
an International Transaction Fee of 3% of each transaction in United States dollars. See Section 15
below for further information.
(h) Over the Limit Fee: NONE
7. INTEREST CHARGE. The INTEREST CHARGE calculation method applicable to your Account for
Purchases, and Cash Advances that you obtain through the use of your Account or Card is the Average
Daily Balance (including new purchases) as specified on your monthly periodic statement and explained
below:
Purchases. To avoid incurring additional INTEREST CHARGE on the balance of purchases reflected on
your periodic statement and, on any new purchases appearing on your next periodic statement, you
must pay the New Balance in full shown on your monthly statement on or before the Payment Due Date.
The grace period for the New Balance of purchases extends to the Payment Due Date. We calculate the
INTEREST CHARGES for a billing cycle by applying the monthly Periodic Rate to the Average Daily
Balance of purchases. To get the Average Daily Balance, we take the beginning balance of your account
each day, add any new purchases and subtract any payments, credits, non-accruing fees, and unpaid
INTEREST CHARGES. This gives us the daily balance. Then we add all the daily balances for the billing

cycle and divide the total by the number of days in the billing cycle. This gives us the average daily
balance.
Cash Advances. The INTEREST CHARGE on Cash Advances begins from the date the Cash Advance
is posted to your account. There is no grace period. We calculate the INTEREST CHARGES for a billing
cycle by applying the monthly Periodic Rate to the Average Daily Balance of your account. To get the
Average Daily Balance, we take the beginning balance of your account each day, add any new cash
advances, and subtract any payments, credits, non-accruing fees, and unpaid INTEREST CHARGES.
This gives us the daily balance. Then we add all the daily balances for the billing cycle and divide the
total by the number of days in the billing cycle. This gives us the average daily balance.
Minimum Interest Charge. We will charge a minimum INTEREST CHARGE for purchases of $.50 and
a minimum INTEREST CHARGE for Cash Advances of $3.00 for each billing period in which an
INTEREST CHARGE is payable. The INTEREST CHARGE will be added to your purchase balance
and/or Cash Advance balance.
8. CASH REWARDS. Customer will earn 1% cash back on net purchase (purchase minus any credits
or returns) only. No cash rewards are earned for finance charges, fees, cash advances, ATM
withdrawals, foreign transaction currency conversion charges and convenience checks used to access
your Account. Cash Rewards will accrue annually from a time period of December 1 to the following
November 30. Your Account must be open and in good standing (i.e., not cancelled, delinquent,
terminated, over the limit, lost or otherwise not available for your use as a payment method) as of
December 15th following the November 30th period end. The cash reward will be applied to your
December statement in the form of a statement credit.
9. ANNUAL PERCENTAGE RATE. The INTEREST CHARGE on Purchases, and Cash Advances will
be computed by applying a monthly periodic rate computed as follows:

Monthly Periodic Rate
1/12 of Annual Percentage Rate

Corresponding Annual Percentage Rate
Prime Rate Plus 10.2% - 15.2%

The Annual Percentage Rate (“APR”) is a variable rate and will be based on your creditworthiness. The
APR shall be based on the highest Prime Rate listed in the Money Rate section of the Wall Street
Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business
day) and adding 10.2% - 15.2% to that rate, not to exceed 21%. Any change in the APR will go into
effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the
Wall Street Journal published Prime Rate change. Any increase or decrease in the Prime Rate may
result in an increase or decrease in the INTEREST CHARGE imposed on your account and the
minimum payment due.
10. DEFAULT. The Account balance will, at Issuer’s option, become immediately due and payable,
without notice, in the event that (a) Customer becomes bankrupt or insolvent, or (b) Customer fails to
make payments due on the Account, incurs charges which exceed the maximum authorized credit limit
or otherwise breaches the Account terms or conditions, or (c) Issuer receives information which causes it
to believe Customer is unwilling or unable to perform under these Account terms and conditions, or (d)
attachment or garnishment proceedings are instituted against Customer. Failure by Issuer to assert any
rights hereunder shall not waive such rights.
11. SECURITY. If Issuer already holds any security interest created in any previous transaction for any
property that secures other or further indebtedness of Customer to Issuer, such security interest will
secure payment of the Account balance. Notwithstanding contrary provisions of any obligation of
Customer to Issuer, Issuer waives any security interest which it has or may have in any property that is
or becomes the principal dwelling of the Customer or any other person as security for payment of the
Account balance.
12. CREDIT INVESTIGATION. Customer authorizes Issuer at any time to make credit investigations
which are deemed necessary in Issuer’s discretion and Customer agrees to furnish financial statements
which may be requested at any time and in sufficient detail as Issuer may require.
13. CANCELLATION. Customer may cancel this Agreement upon notification in writing to Issuer. If the
Account is cancelled, Customer shall be responsible to pay all amounts due prior to such cancellation,
including amounts that have not yet been posted to Customers Account.
14. CHANGES TO THIS AGREEMENT. Issuer may amend or modify these terms and conditions at any
time, effective forty-five (45) days after written notice thereof is mailed to Customer. Any changes in
these terms and conditions, including, without limitation, changes in the ANNUAL PERCENTAGE RATE
and the Periodic Rate, shall be effective as to future Purchases, and Cash Advances. If required by
applicable law, the notice will advise you of any right you may have, and any steps you must take, to
reject the changes. If you properly notify us that you reject the changes, your Account will be closed and
you will be obligated to pay your outstanding balance under the terms of the Agreement in effect on the
date you received the notice of changes. If you do not properly notify us that you reject the changes by
the date stated in the notice, you will be deemed to have accepted all changes in the notice and to have
accepted and confirmed all terms of your Agreement. Issuer may, in its sole discretion, waive any Annual
Fee, Late Payment Fee, or any other provision(s) of these Account terms and conditions; however,
Issuer shall have no obligation to do so, and any such waiver shall be limited to the particular instance or
transaction involved and shall not constitute a waiver or authorize the non-observance of the same or
any other provision of these Account terms and conditions on any other or future occasion.
15. INTERNATIONAL TRANSACTIONS. Purchases and Cash Advances occurring in foreign countries
and billed in foreign countries will be billed to your Account in U.S. dollars. Transactions processed
outside the United States will be charged an International Transaction Fee of 3%. The monetary
exchange rate will be a rate selected by MASTERCARD® from the range of rates available in wholesale
currency markets for the applicable central processing date, which rate may vary from the rate
MASTERCARD® itself receives, or the government mandated rate in effect for the applicable central
processing date, plus the applicable International Transaction Fee.
16. CHOICE OF LAW. Except to the extent superseded by Federal Law, this Agreement shall be
subject to and interpreted under the laws of the Commonwealth of Kentucky, with all interest and
assessments authorized pursuant to KRS 286.6.
17. A MASTERCARD CARD may not be used for any illegal transaction.

18. YOUR BILLING RIGHTS.
Your Billing Rights: Keep This Document 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:

Customer Service
PO Box 30495
Tampa, FL 33630

In your letter, give us the following information:
• Account information: Your name and last four (4) of the 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.
• 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 your 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 that 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:
• 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. 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.)
2. 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.
3. 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:

Customer Service
PO Box 30495
Tampa, FL 33630

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.

REV 11/19/2014

INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate (APR)
for Purchase

APR for Cash Advances

Paying Interest

13.70%-18.70%
Based on your creditworthiness at time of application. After account opening, your APR can vary
monthly with the market based on the Prime Rate published in the Wall Street Journal.
13.70%-18.70%
Based on your creditworthiness at time of application. After account opening, your APR can vary
monthly with the market based on the Prime Rate published in the Wall Street Journal.

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. We will begin
charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50 on purchases and $3.00 on cash
advances.

For Credit Card Tips from the
Consumer Financial Protection
Bureau

Annual Fees
Transaction Fees
• Cash Advance Fee
• International Transaction Fee

To learn more about factors to consider when applying or using a credit card, visit the website of
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

NONE

FEES

Either $3 or 3% of the amount of each cash advance whichever is greater.
3% of each transaction in U.S. dollars

Penalty Fees
• Late Payment Fee
• Over the Limit Fee
• Returned Payment Fee
Other Fees
• Expedited Phone Payment

$25
NONE
$25

$6

How we will calculate your balance: We use a method called “average daily balance (including new purchases)”.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder
Account Agreement.

The information about the costs of the card described in this application is accurate as of the date below. This information may have
changed after that date. To find out what may have changed, write to us at:
Republic Bank & Trust Company
601 West Market Street | Louisville, KY 40202-2700
Rate updates as of 7/18/16

The Annual Percentage Rate (“APR”) is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate
section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day)
and adding 10.2% - 15.2% to that rate based on your credit worthiness at time of application, not to exceed 21%. Any change in the
APR will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street
Journal published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.

Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy
customers and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law.

REV 07/17/2016