DEFINITIONS:    "You",  "Your",  and  "Cardholder"  mean  any  person  who  signs  the 
Application  or  uses  the  card.    "Card"  means  the  Randolph-Brooks  Federal  Credit 
Union Gold or Platinum MASTERCARD which we issue under this Agreement and 
includes any device or check used to obtain credit or cash from the account.  The 
terms "our", "we", "us", or "Credit Union" refers to Randolph-Brooks Federal Credit 
Union or any of its assignees.  "Use of the card" means any procedure used by you, 
or  someone  authorized  by  you,  to  make  a  purchase  or  obtain  a  cash  advance 
whether  or  not  the  purchase  or  advance  is  evidenced  by  a  signed  document. 
"Unauthorized use of the card" means the use of the card by someone other than 
you, who does not have actual, implied, or apparent authority for such use, and from 
which you receive no benefit.   
1.  AGREEMENT:  This Agreement governs the use of your credit card account with 
us and you agree to be bound by the terms of the Agreement.  If your account is a 
joint  account,  all  of  you  will  be  jointly  and  individually  responsible  for  all  amounts 
due under this Agreement.  If your application is approved, the Credit Union may, at 
its discretion, establish a Credit Card account in your name and cause one or more 
cards to be issued to you or those designated by you.  In such event, you authorize 
the Credit Union to pay for your account, all items reflecting credit purchases and 
cash  advances  obtained  through  the  use  of  the  Card.    You  agree  to  immediately 
sign  the  back  of  the  Card  upon  receipt  in  order  to  ensure  proper  use.    You  may 
purchase  goods  and  services  by  using  your  Card  at  any  retail  business 
establishment authorized to honor the Card. You may obtain cash advances through 
the  use  of  your  Card  at  a  financial  institution  authorized  to  make  such  cash 
advances.    All  retail  purchases  and cash advances are made at  the  option of  the 
merchant  or  cash  advancing  institution.    The  Credit  Union  is  not  responsible  for 
refusal  by  any  merchant  or  cash  advancing  institution  to  honor  your  Card.    Any 
refund, adjustment, or credit allowed by a merchant will be by a credit advice to the 
issuer of your Card and will be shown as a credit on your periodic statement. 
2.  CREDIT LIMITS:  You promise the purchases made or cash advances received 
on your Card will not exceed the credit limit disclosed to you at the time you receive 
your Card or the credit limit adjusted by the Credit Union. 
3.  PROMISE  TO  PAY:    You  promise  to  repay  the  Credit  Union  for  all  payments 
made  for  your  account  together  with  an  INTEREST  CHARGE  on  the  unpaid 
balance.    At  the  end  of  each  billing  cycle  you  will  be  furnished  with  a  periodic 
statement  showing  (i)  the  "previous  balance"  (the  outstanding  balance  in  the 
account at the beginning of the billing cycle), (ii) the amount of all cash advances, 
purchases,  and  INTEREST  CHARGES  posted  to  your  account  during  the  billing 
cycle, (iii) the amount of all payments and credits posted to your account during the 
billing cycle, and (iv) the "new balance" which is the sum of (i) and (ii) less (iii). You 
agree to pay on or before the "payment due date" shown on the periodic statement 
either  the  entire  "new  balance"  or  a  minimum  payment  equal  to  2%  of  the  new 
balance  or  $25,  whichever  is  greater.    You  also  agree  to  pay  on  or  before  the 
"payment due date" as shown on the periodic statement any amount in excess of 
the credit limit established by us and any past due minimum payments. 
4.  COST OF CREDIT:  You agree to pay an INTEREST CHARGE on your account.  
This section discloses the circumstances under which an INTEREST CHARGE will 
be imposed and explains how the INTEREST CHARGE is determined: 
a.  When INTEREST CHARGES begin to Accrue.  The INTEREST CHARGE begins 
to accrue for retail purchases on the date each transaction posts to your account.  
An 
including 
convenience checks, on the date of the cash advance, or the first date of the billing 
cycle, in which the cash advance is posted, whichever is later.  If you pay the entire 
previous  balance  in  full  within  25  days  after  the  previous  statement  date,  no 
INTEREST  CHARGE  will  be  imposed  except  for  cash  advances,  including 
convenience checks.  
b.  Balance Subject to  INTEREST CHARGE.   We figure the INTEREST CHARGE 
on your account by applying the periodic rate to the "average daily balance" of your 
account  (including  current  transactions).    To  get  the  "average  daily  balance,"  we 
take the beginning balance of your account each day, add any new purchases, cash 
advances, and fees and subtract any payments or credits and exclude any unpaid 
Interest Charges.  This gives us the daily balance.  Then, we add up 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." 

INTEREST  CHARGE  begins 

for  cash  advances, 

to  accrue 

c.   Rate  of  INTEREST  CHARGE.    You  will  pay  an  INTEREST  CHARGE  for  all 
charges and advances made against your Gold or Platinum MasterCard account.  If 
your APR is 9.7%, you will accrue an INTEREST CHARGE at a rate of .8083% per 
month.  If your APR is 11.7%, you will accrue an INTEREST CHARGE at a rate of 
.9750% per month.  If your APR is 13.7%, you will accrue an INTEREST CHARGE 
at a rate of 1.1417% per month.  If your APR is 15.7% APR, or 1.308% per month, 
you will accrue an INTEREST CHARGE at a rate of 1.3083% per month.  You may 
pay any amount outstanding at any time without penalty for early payments.  Your 
actual APR will be determined based on your creditworthiness and other factors and 
will be provided to you in writing if your application is approved. 
d.  Penalty  Rate.    Your  APR  may  vary  if  you default  under  this  card  Agreement 
that you have with us, when you become 60 days past due.  In such circumstances, 
we  may  increase  your  APR  (including  promotional  rates)  on  all  balances  to  a 
penalty  rate  of  15.7%  APR.    The  penalty  APR  applies  until  you  make  six 
consecutive minimum payments on or before the payment due date on or after the 
first payment due following the effective date of the increase. 
5.  OTHER CHARGES: Late Fee:  If you do not pay your minimum payment within 
fifteen (15) days following your payment due date, you may be charged a late fee of 
up to $18. Returned Payment Fee:  We will add a fee to your balance of up to $15 
when a payment check or similar instrument is not honored, when we must return it 
because it cannot be processed, or when an automatic debit is returned unpaid.  At 
our  option,  we  will  assess  this  fee  the  first  time  your  check  or  payment  is  not 
honored, even if it is honored upon resubmission.   If you take a cash advance by 
using an automated teller machine, it is possible you will be charged a fee by the 
owner or operator of the machine. 
6.  LIABILITY FOR UNAUTHORIZED USE:   
You may be liable for the unauthorized use of your Card.  If you notice the loss or 
theft of your Card or a possible unauthorized use of your Card, you should call our 
designee immediately at: 

(866) 839-3485 

You may also write to our designee at: 

Customer Service 
P.O. Box 30495 
Tampa, FL 33630 

Although  you  may  write  to  notify  our  designee  of  unauthorized  use,  calling  our 
designee immediately at the telephone number above is the best way to keep your 
possible losses down. 

Under MasterCard's zero liability policy, you will not be liable for unauthorized use of 
your MasterCard once you notify our designee orally or in writing of the loss, theft, 
or  possible  unauthorized  use  and  you  meet  the  following  conditions:  (i)  you  have 
exercised  reasonable  care  with  the  MasterCard;  (ii)  you  have  not  reported  two  or 
more  incidents  of  unauthorized  use  of  the  MasterCard  within  the  previous  12 
months; and (iii) you have maintained your account in good standing. MasterCard's 
zero liability policy does not apply to cash advances obtained at an ATM. 

You  will  not  be  liable  for  any  unauthorized  use  that  occurs  after  you  notify  our 
designee. You may, however, be liable for unauthorized use that occurs before your 
notice  to  our  designee.  In  any  case,  your  liability  will  not  exceed  $50.00.    The 
foregoing liability limitations do not apply to (a) Card use from which any cardholder 
receives  a  benefit;  or  (b)  use  of  the  Card  by  a  person  with  actual,  implied,  or 
apparent authority. 
7.  CREDITING OF PAYMENTS:  We will accept payments at the address indicated 
on  the  Gold  or  Platinum  MasterCard  periodic  statement.    All  payments  will  be 
credited  to  your  account  promptly,  in  most  cases  as  of  the  day  of  receipt.    If 
payment  is  made  at  any  other  location  such  as  NETBRANCH  online  or  RBFCU 
branch,  credit  for  such  payment  may  be  delayed  up  to  seven  (7)  days.    You 
understand and agree that payments will be applied in the following order:  (1) To 
the late charge and fees, (2) to INTEREST CHARGES, (3) to cash advances, and 
(4) to purchases.  All payments made by you must be in U.S. dollars. 

8.  INTERNATIONAL  TRANSACTIONS:    If  you  effect  an  international  transaction 
with  your  MasterCard,  MasterCard  Worldwide  will  convert  the  charge  into  a  U.S. 
dollar amount.   MasterCard Worldwide will use its currency conversion procedure, 
which  is  disclosed  to  institutions  that  issue  MasterCard  cards.    Currently,  the 
currency  conversion  rate  used  by  MasterCard  Worldwide  to  determine  the 
transaction  amount  in  U.S.  dollars  for  such  transactions  is  generally  either  a 
government-mandated  exchange  rate  or  a  wholesale  exchange  rate  selected  by 
MasterCard  Worldwide  for  the  applicable  currency  on  the  day  the  transaction  is 
processed,  which  may  differ  from  the  applicable  rate  on  the  date  the  transaction 
occurred  or  when  the  transaction  is  posted  to  your  account.    RBFCU  does  not 
charge any fees for foreign currency transactions. 
9.  DEFAULT:    You  understand  you  will  be  in  default  (1)  if  you  fail  to  make  any 
payment on time; (2) if you fail to notify the Credit Union in writing of any change of 
employers;  (3)  if  you  become  the  subject  of  an  order  of  relief  under  the  U.S. 
bankruptcy  laws;  (4)  if  you  are  the  subject  of  any  legal  process  which  seeks  to 
attach  your  Credit  Union  account;  (5)  if  you  have  given  the  Credit  Union  false  or 
inaccurate information in obtaining the credit card; (6) if anything happens which the 
Credit Union believes endangers your ability to repay what you owe, including, but 
not limited to, leaving your current employment; (7) if you fail to report the Card lost 
or not in your possession; (8) if you break any promise you made under this or any 
other agreement with the Credit Union.   
10.  NON-WAIVER:  We can accept late payments or partial payments or checks or 
money  orders  marked  "payment  in  full"  without  losing  our  rights  under  this 
Agreement.    We  can also  delay enforcing any of  our  rights  under  this  Agreement 
without losing them.  Our failure to take action following any event of default shall 
not constitute a waiver of our right to take action in the event of a future default.  
11.  ACCELERATION:    In  the  event  that  you  are  in  default,  we  may  declare  any 
amounts  you  still  owe  immediately  due  and  payable  plus  INTEREST  CHARGES 
which will continue to accrue until the entire amount you owe is paid.  You expressly 
waive  presentment,  demand,  notice  of  intention  to  accelerate,  and  notice  of 
acceleration of the maturity of any amounts owing under this Agreement.  The Card 
remains the property of the Credit Union at all times and you agree to immediately 
surrender the Card upon demand.  You agree that, once you are informed by the 
Credit Union or its designee that your account is in default, you will not attempt to 
make  further  cash  advances  or  purchases  on  the  Card.    You  agree  to  pay  all 
reasonable  costs  of  collection,  including  court  costs  and  attorney's  fees,  and  any 
costs incurred in the recovery of the Card.  
12.  AUTHORIZED USERS:  If you allow anyone else to use your card, you will be 
liable for all credit extended to such persons.  You promise to pay for all purchases 
and cash advances made by anyone whom you authorize to use your card, whether 
or not you notify us that he or she will be using it.  If someone else is authorized to 
use your card and you want to terminate that person's privilege, you must notify us 
in writing, and, if he or she has a card, you must return the card with your written 
notice for it to be effective. 
13.  NOTIFICATION  ADDRESS  FOR 
INFORMATION  REPORTED  TO 
CONSUMER REPORTING AGENCIES:  Periodically, we may report the status 
and  payment  history  of  your  account  to  credit  reporting  agencies.    If  you 
believe  that  the  information  we  have  reported  is  inaccurate  or  incomplete, 
please notify  us  in  writing at:    Randolph-Brooks Federal  Credit  Union,  P.  O. 
Box 2097, Universal City, TX 78148-2097.  Please include your name, address, 
telephone numbers, account number and description of your problem. 
14.  CREDIT INVESTIGATION:  In conjunction with your application for credit and, 
if  approved,  maintenance  of  your  account,  you  agree  that  we  have  the  right  to 
investigate your credit and employment history, to verify your credit references, to 
request and use credit reports, and to report the way you pay your account to credit 
bureaus and other interested parties. 
15.  ADDITIONAL  PROVISIONS:    Each  provision  of  this  Agreement  must  be 
considered as part of the total Agreement and cannot, in any way, be severed from 
it.  However, you also agree that should any part of the Agreement be found invalid, 
it will in no way affect the remainder of the Agreement.  You understand the validity, 
construction, and enforcement of this Agreement shall be governed by the laws of 
the State of Texas.  The Credit Union does not warrant any merchandise or services 
purchased by you with the Card.  Notwithstanding any other provisions contained in 
this Agreement, we do not intend to charge, and you shall not be required to pay, 

any amount of INTEREST CHARGES or other fee or charge that is in excess of the 
maximum  permitted  by  applicable  law.    Any  payments  in  excess  of  the  maximum 
shall be refunded to you or credited against your principal balance at our option.  
16.  TERMINATION OR CHANGES:  The Credit Union can, with or without written 
notice, terminate this Agreement at any time.  You may terminate this Agreement by 
written notice, as to future advances at any time.  Termination by either party shall 
not  affect  your  obligation  to  repay  any  payments  made  for  your  account  resulting 
from use of the Card as well as INTEREST CHARGES and other related charges.  
The  Credit  Union  has  the  right  to  add  to,  delete,  or  change  the  terms  of  this 
Agreement, including the periodic rate.  If you use your Card to make a purchase or 
obtain  a  cash  advance  after  having  been  given  notice  of  a  change  in  terms,  you 
agree that the existing balance in your Account at the time of that use will be subject 
to  the  new  terms,  as  shall  subsequent  uses.    You  expressly  agree  that,  at  our 
option, we may decline to renew your account beyond the expiration date shown on 
the face of your card without notice. 
17.  SECURITY AND PLEDGE OF SHARES AND DEPOSITS:  If you have other 
loans with the Credit Union, now or in the future, (except for loans secured by any 
dwelling),  collateral  securing  those  loans  may  also  secure  your  obligations  under 
this Agreement.  Please read any security agreement you sign in order to determine 
if  the  collateral  also  secures  your  obligations  under  this  Agreement  and  other 
agreements you have with us. 

Additionally,  you  specifically  grant  the  Credit  Union  a  lien  and  consensual 
security interest in all individual and joint accounts, present and future shares 
and deposits held in any accounts you have with us now and in the future to 
secure  repayment  of  credit  extensions  made  under  this  agreement.  The 
granting of this security interest is a condition for the issuance of any card, 
which you may use, directly or indirectly, to obtain extensions of credit under 
this  agreement.    This  does  not  apply  to  shares  in  an  Individual  Retirement 
Account  or  Simplified  Employee  Plan  qualifying  as  such  under  the  Internal 
Revenue Code.  You authorize the Credit Union to take money from any non-
exempt account and apply it to what you owe, if you are in default. 

18. ILLEGAL CARD USE:  You may not use your Card for any illegal transaction. 
You agree that we may decline to process any transaction which we believe in good 
faith to be for an illegal purpose.  You agree that we will not be liable for declining to 
process any such transaction.  If we do process any transaction which ultimately is 
determined to have been for an illegal purpose, you agree that you will remain liable 
to  us  under  this  Agreement  for  any  such  transaction  notwithstanding  its  illegal 
nature. You agree that any illegal use of the Card will be deemed an act of default 
under  this  Agreement.    You  further  agree  to  waive  any  right  to  take  legal  action 
against  us  for  your  illegal  use  of  the  Card  and  to  indemnify  and  hold  us  and 
MasterCard Worldwide harmless from and against any lawsuits, other legal action, 
or liability that results directly or indirectly from such illegal use. 
19.  AGREEMENT AND ACKNOWLEDGMENT:  You acknowledge and agree that 
the  use  of  the  Card  by  you  or  anyone  authorized  by  you  shall  constitute  your 
acknowledgment  that  you  have  received  and  read  this  Agreement  and  that  you 
agree  to  the  terms  and  conditions  and  promise  to  perform  all  the  obligations, 
requirements, and duties contained in this Agreement.  Use of this card by you or 
anyone you authorize will also constitute consent to the pledge of shares or 
deposits as described above. 

MC026 R 09-23-13 

 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 
MasterCard® 
Credit Cards 

Gold 
CashBack 

Platinum 
Rewards 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR and 
When it Applies 

9.7% to 15.7% 
based on your creditworthiness 
and other factors. 
3.9% Introductory APR for 
balance transfers made during 
the first 180 days from the date 
of account opening.  
Promotional balances will 
remain at 3.9% APR for 12 full 
billing cycles.  After that, your 
APR will be 9.7% to 15.7% 
based on your creditworthiness 
and other factors. 
3.9% Introductory APR for 
cash advances made during 
the first 180 days from the date 
of account opening.  
Promotional balances will 
remain at 3.9% APR for 12 full 
billing cycles.  After that, your 
APR will be 9.7% to 15.7% 
based on your creditworthiness 
and other factors. 
15.7% 

This APR may be applied to 
the entire balance on your 
account if you are 60 days past 
due. 

How Long Will the Penalty 
APR Apply? If your APRs are 
increased, the Penalty APR will 
apply until you make six 
consecutive minimum 
payments on or before the 
payment due date beginning 
on the first payment due date 
following the effective date of 
the increase. 

How to Avoid 
Paying Interest 
on Purchases 

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. 

Minimum 
Interest Charge 

None 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau 

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.  

None 

Fees 
Annual Fee 
Transaction Fees 
  Balance Transfer 
None 
  Cash Advance 
  Foreign Transaction  None 
Penalty Fees 
  Late Payment 
  Over the Credit 

None 

None 

Limit 

Up to $18 

  Returned Payment  Up to $15 
Other Fees 

None 

How We Will Calculate Your Balance: We use a 
method called “average daily balance (including 
new purchases).” See the terms and conditions of 
your credit card agreement for more details.  

The information about the costs of the cards 
described in this application are accurate as of 
06/2013.This information may have changed after 
that date. To find out what may have changed, call 
us at 1-800-580-3300 or write to us at Randolph-
Brooks Federal Credit Union, P.O. Box 2097, 
Universal City, Texas 78148.

YOUR BILLING RIGHTS 

This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act.  The terms "we," "us," and 
"our" refers to our card processor, FIS. 

NOTIFY US IN CASE OF ERRORS OR 
QUESTIONS ABOUT YOUR BILL 
If  you  think  your  bill  is  wrong,  or  if  you  need  more  information  about 
transactions  on  your  bill,  write  FIS  on  a  separate  sheet  at  P.O.  Box  30495, 
Tampa, Florida 33630.  Write to us as soon as possible.  We must hear from 
you no later than 60 days after we sent you the first bill on which the error or 
problem appeared.  You can telephone us, but doing so will not preserve your 
rights. 
In your letter, give us the following information: 

 
 
 

Your name and account number 
The dollar amount of the suspected error. 
Describe the error and explain, if you can, why you believe there is an 
error. If you need more information, describe the items you are not 
sure about. 

If you have authorized us  to pay  your credit  card bill automatically  from your 
savings or  checking account,  you  can  stop  the payment  on any amount  you 
think is wrong.  To stop the payment your letter must reach us three business 
days before the automatic payment is scheduled to occur. 

YOUR RIGHTS AND OUR RESPONSIBILITIES  
AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the 
error by then.  Within 90 days, we must either correct the error or explain why 
we believe the bill was correct. 
After we receive your letter, we cannot try to collect any amount you question, 
or report you as delinquent.  We can continue to bill you for the amount you 
question,  including  interest  charges,  and  we  can  apply  any  unpaid  amount 
against your credit limit.  You do not have to pay any questioned amount while 
we are investigating, but you are still obligated to pay the parts of your bill that 
are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any 
interest  charges  related  to  any  questioned  amount.    If  we  didn't  make  a 
mistake, you may have to pay interest charges, and you will have to make up 
any missed payments on the questioned amount.  In either case, we will send 
you a statement of the amount you owe and the date that it is due. 
If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  you  as 
delinquent.  However, if our explanation does not satisfy you and you write to 
us within ten days telling us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your bill.  And, we  
must tell you the name of anyone we reported you to.  We must tell anyone we 
report you to that the matter has been settled between us when it finally is. 
If we don't follow these rules, we can't collect the first $50 of the questioned 
amount, even if your bill was correct. 

SPECIAL RULE FOR 
CREDIT CARD PURCHASES 
If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a credit card,  and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount due on the property or services.  There are two limitations on this right:  
(a) You must have made the purchase in your home state or, if not within your 
home  state,  within  100  miles  of  your  current  mailing  address;  and  (b)  The 
purchase price must have been more than $50. 
These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services. 

GOLD 
MASTERCARD 

PLATINUM 
MASTERCARD 

AGREEMENT 
BILLING RIGHTS 

& 

CHARGE CARD 
DISCLOSURE 

IMPORTANT 

KEEP THIS NOTICE 
FOR FURTHER USE 

MC026 R 09-23-13