Cardholder Account Agreement: Part 1 of 2 

Build Card 
Issuer: Mastercard, Republic Bank & Trust Company 

Rates and Fees Table 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

29.9 % 

M-123260 

APR for Cash Advances 

29.9 % 

This APR will vary with the market based on the Prime Rate. 

This APR will vary with the market based on the Prime Rate. 

Paying Interest 

We will begin charging interest on purchases and cash advances on the 
transaction date.  There is no grace period. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $0.50. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about the factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

Fees 

Membership Fee 

•  Membership Fee 

$40 annually year one ($40 at setup); $72 annually thereafter ($6 per month) 

Transaction Fees 

•  Cash Advance 

Either $10 or 3% of transaction, whichever is greater. 

• 

Foreign Transaction 

None 

Penalty Fees 

• 

Late Payment 

Up to $35. 

•  Over-the-Credit Limit 

None 

•  Returned Payment 

Up to $35. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement. 

Notice Regarding Initial Fees, Credit Line, and Right to Reject: The $40 Membership Fee will be assessed before you 
begin using your card and will reduce the amount of credit you initially have available. Based on your initial limit of $500, your 
initial available credit will be $460. You may still reject this plan, provided that you have not yet used the account or paid a fee 
after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. 

Page 1 of 1 

 
 
 
 
 
 
 
Cardholder Account Agreement: Part 2 of 2 

The  following  terms  and  conditions  govern  the  use  of 
Customer’s  MASTERCARD®  Build  Card  Credit  Card 
Account  (“Account”)  and  any  Card  or  other  Access  Device 
(“Access Device”) issued by Republic Bank & Trust Company 
(“Issuer”).  In this Agreement, Issuer will be referred to as “we”, 
“us” and “our”; Customer will be referred to as “you” and “your”. 

Federal  law  provides  important  protections  to  members 
of  the  Armed  Forces  and  their  dependents  relating  to 
extensions  of  consumer  credit.  In  general,  the  cost  of 
consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage 
rate of 36 percent. This rate must include, as applicable 
to the credit transaction or account: The costs associated 
with  credit 
insurance  premiums,  fees  for  ancillary 
products sold in connection with the credit transaction, 
any  application 
than  certain 
application  fees  for  specified  credit  transactions  or 
accounts); and any participation fee charged (other than 
certain participation fees for a credit card account). You 
may  also  call  1-888-816-8421  to  receive  this  disclosure 
and general payment information orally. 

fee  charged 

(other 

We  have  determined  that  you  are  entitled  to  the 
protections described in the preceding paragraph. This is 
either because, at the time of Account opening, you are a 
“covered member” (as defined in the Military Lending Act 
and its implementing regulations at 10 U.S.C. § 987(i)(1) 
and  32  C.F.R.  §  232.3(g)(2))  or  because  you  are  a 
dependent of a covered member (as defined in the Military 
Lending Act and its implementing regulations at 10 U.S.C. 
§ 987(i)(2) and 32 C.F.R. § 232.3(g)(3)). You are entitled to 
the  protections  described  in  the  preceding  paragraph 
during  the  time  you  qualify  as  a  covered  member  or 
dependent of a covered member. 

1. RESPONSIBILITY. Your application, any Card carrier that 
we  send  with  your  Card,  any  document  accompanying  an 
Access Device, any automatic payment plan form, any other 
written documents (including any electronic record) evidencing 
any transactions made under your Account or signed by you 
in connection with your Account, any notices that we send to 
you  with  your  Agreement,  and/or  any  special  credit  terms 
disclosed to you in writing, are part of and incorporated into 
this  Agreement.  An  electronic  record  of  your  request  for 
acceptance  of  an  Account  or  the  consummation  of  a  sales 
this  Agreement  can  represent  your 
transaction  under 
signature of this Agreement.  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,  you 
accept these terms and conditions and assume responsibility 
for all credit extended through use of the Account, except that 

your liability for unauthorized use will be limited as hereinafter 
provided. Any Access Device remains our property and shall 
be  surrendered  upon  our  request.  The  Account  and  its 
privileges are not transferable by you and may be cancelled or 
revoked or the Credit Limit may be reduced or frozen by us at 
any  time  for  any  reason  without  notice  subject  to  any  legal 
provisions  or  requirements  under  applicable  law.  We  may 
decline  to  authorize  a  charge.  Reasons  we  may  do  this 
fraud  and  our  assessment  of  your 
include  suspected 
creditworthiness.  This may occur even if the charge would not 
cause you to go over your Credit Limit and your Account is not 
in default. We are not responsible for any losses you incur if 
we do not authorize a charge. We have 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  as  explained  under  Section  21  of  this 
agreement, 
“Your  Billing  Rights,”  below.  Transactions 
restricted by the Unlawful Internet Gambling Enforcement Act 
of 2006 (UIGEA) are prohibited from being processed through 
the Account. 

2.  UNAUTHORIZED  USE,  LOSS,  OR  THEFT.  You  must 
notify us of loss, theft or unauthorized use of your Account by 
calling  toll-free  telephone  number  1-800-634-9558,  or  in 
writing to Customer Service, P.O. Box 9203 Old Bethpage, NY 
11804-9203 Attention: Security Department. After your notice 
of unauthorized use to us, your liability will not exceed $50. 
We may, to the extent allowed under applicable law, increase 
the limit of your liability for unauthorized transactions only if we 
determine that you were grossly negligent or fraudulent in the 
handling of the Account or Card. 

3. CREDIT LIMIT. We assign a Credit Limit to your Account. 
We  may  make  part  of  your  credit  limit  available  for  cash 
advances (Cash  Advance Limit). The Credit Limit and Cash 
Advance  Limit  are  shown  on  each  billing  statement.  You 
agree to manage your Account so that your Account and cash 
advance balance (including fees and INTEREST CHARGES) 
are not more than your Credit Limit and Cash Advance Limit. 
We  may  increase,  decrease,  restrict,  or  cancel  your  Credit 
Limit or Cash Advance Limit at any time. We will notify you of 
any change as required by applicable law, but the change may 
take  effect  before  you  receive  the  notice.  In  the  event  you 
incur  charges 
in  amounts  exceeding  your  maximum 
authorized  Credit  Limit  (or  Cash  Advance  Limit),  you  are 
responsible  to  pay  such  amounts.  We  will  not,  however, 
charge you an Over-the-Credit Limit fee. 

4.  PAYMENTS.  You  agree  to  pay,  in  accordance  with  the 
amounts  set  forth  in  your  billing  statements,  indebtedness 
incurred for Purchases, Cash Advances, any applicable 

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Cardholder Account Agreement: Part 2 of 2 

the  Membership  Fee,  any  Late 
INTEREST  CHARGE, 
Payment Fee, any Returned Payment fee and any other fee 
imposed  from  time  to  time  pursuant  to  these  terms  and 
conditions.  If  you  are  in  breach  of  this  Agreement  or  if  you 
default  in  the  performance  of  this  Agreement,  all  additional 
costs  and  expenses  incurred  by  us  including  reasonable 
attorney fees will be your responsibility to pay to the extent not 
prohibited  by  applicable  law.  Your  payments  to  us  shall  be 
made in U.S dollars. We may place a reasonable hold on the 
crediting of check payments. 

5.  PERIODIC  STATEMENT  AND  PAYMENT  SCHEDULE. 
We will send you a statement for each billing cycle in which 
there is any activity or balance on your account, or in which an 
INTEREST  CHARGE  has  been  imposed.  You  must  pay  at 
least  the  Minimum  Payment  due  disclosed    on    the  
statement,  which  will  be  all  past  due  amounts,  and  any 
Membership Fees billed monthly, plus the greater of: (i) 3% of 
your  New  Balance  plus  (a)  Late  Payment  Fees,  (b)  Cash 
Advance  Transaction  Fees,  and  (c)  Interest  Charges  billed 
during  the  billing  cycle  for  which  the  Minimum  Payment  is 
calculated (as shown on that periodic statement) or (ii) $35. If 
the New Balance is less than $35, the Minimum Payment will 
be the total amount owed. 

The  Minimum  Payment  will  be  rounded  up  to  the  nearest 
whole  dollar  amount.  Payments  greater  than  the  Minimum 
Payment amount or additional payments may be made at any 
time but shall not affect your obligation to pay any future  or 
other monthly Minimum Payments. 

You agree to pay at least the Minimum Payment due that is 
disclosed on each billing statement.  If you choose to pay more 
than  the  Minimum  Payment  that  is  disclosed  on  the  billing 
statement, we may determine the method for allocating that 
excess payment among balances on your Account, whether 
those  balances  constitute  balances  for  Purchases,  Cash 
Advances,  or  other  charges  as  provided  in  this  agreement. 
We will allocate any such excess payment amounts to satisfy 
any outstanding amounts under your Account in the following 
order, if applicable: INTEREST CHARGE, Membership Fee, 
Late  Payment  Fee,  Cash  Advance  Fee,  Returned  Payment 
Fee, Cash Advances, and Purchases. 

6. SCHEDULE OF FEES. 
(a) Account Set-Up Fee: NONE 
(b) Membership Fee: The Membership Fee for your Account 
in  year  one  is  $40  (introductory period)  and  will  be  billed  to 
your Account when it is opened.  The Membership Fee for your 
Account beginning in year two is $72 per year and will be billed 
to your Account in monthly installments of $6 per month. The 
Membership Fee will be  billed  to  your Account as long  as it 

in 

remains  open  or,  if  your  Account  is  closed  by  you,  the 
Membership Fee will continue to be charged until you pay your 
outstanding  balance 
full.  The  year  one,  up-front 
Membership Fee of $40 is refundable as long as your Account 
is  canceled  as  outlined  in  Section  12(a)  or  12(b).  A 
Membership Fee Notice will be provided to you at least once 
every 12 months as required by law. 
(c) Additional Card (Authorized User) Fee: NONE. 
(d)  Cash  Advance  Limit  and  Fee:  Cash  Advances  are 
limited  to  the  amount  of  the  Cash  Advance  Credit  Limit.  A 
Cash Advance Fee will be computed on the amount of each 
Cash  Advance  as  of  the  date  of  the  transaction.  The  Cash 
Advance Fee will be either $10 or 3% of the Cash Advance, 
whichever is greater. 
(e) Foreign Transaction Fee:  NONE 
(f) 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  will  be  imposed  if  you  weren’t  charged  a  Late 
Payment Fee during any of your previous six billing periods. 
Otherwise, the fee is $35. 
(g) Over the Limit Fee:  NONE 
(h) 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 will be imposed if you were not charged a 
Returned Payment Fee during any of the previous six billing 
periods. Otherwise, the fee is $35. 

INTEREST  CHARGE.  The 

7. 
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.  Your  Credit  Account  is  subject  to  the 
following fees and INTEREST CHARGES, each of which will 
be billed to your Credit Account as a Purchase. 
(a) Periodic  Interest: INTEREST CHARGES are assessed 
when you make a Purchase with your Account and when you 
obtain a Cash Advance. INTEREST CHARGES are imposed 
from  the  time  you  make  a  Purchase  or  a  Cash  Advance  is 
obtained  until  it  is  paid  in  full.  NOTE  that  there  is  no  grace 
period  on  your  Account.  This  means  that  an  INTEREST 
CHARGE will always be assessed on the Account if you make 
purchases or get cash advanced even if you pay your balance 
in full. The INTEREST CHARGE is assessed on Purchases, 
Cash  Advances,  and  all  fees  including  Account  Set-up  and 
Membership  Fees.  THERE  IS  NO  GRACE  PERIOD.  You 
cannot avoid an INTEREST CHARGE being assessed on your 
Account for any purchase or cash advance. If you do not pay 
off  your  entire  Account  Balance  in  full  each  month,  then 
interest will continue to accrue on the unpaid balance over the 
next billing cycle, even if you do not make any additional 

Page 2 of 7 

 
 
 
 
 
 
Cardholder Account Agreement: Part 2 of 2 

purchases or cash advances during the next cycle. 
(b) Computing Periodic INTEREST CHARGES: The 
INTEREST CHARGE is determined by multiplying the 
“Average Daily Balance” for Purchases and Cash Advances 
outstanding during the monthly Billing Cycle by the daily 
“Periodic Rate” and the number of days in the billing cycle. 
The APR is 29.9% (which is subject to change) and the daily 
“Periodic Rate” is equal to 1/365th of the APR. This APR will 
be applied to fees assessed to your Credit Account as well as 
to Purchases and Cash Advances. 
(c) Average Daily Balance: We figure the interest charge on 
your  Account  by  applying  the  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 purchases, cash advances, and/or fees, and 
subtract any unpaid interest or other finance charges and any 
payments or credits. 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.” 
(d) Minimum  Interest  Charge:  We  will  charge  a  minimum 
INTEREST CHARGE of $0.50 for each billing period in which 
an 
INTEREST 
CHARGE will be added to your purchase balance and/or Cash 
Advance balance. 
8. ANNUAL PERCENTAGE RATE. 
The  Annual  Percentage  Rate  (“APR”)  applicable  to  the 
Account is a variable rate. The same APR will be applied to 
purchase    and    cash    advance    transactions    on    this  
Account.  This  rate  may  increase  or  decrease  over  time,  as 
described below. 
(a) Definitions 

INTEREST  CHARGE 

is  payable.  The 

(i) Index: The APR applicable to the Account will vary in 
response  to  changes  in  the  prime  rate,  as  published 
periodically by the Wall Street Journal in its “Money Rates” 
section (“Prime Rate”). The “Index” for the Account for a 
given date will be the highest Prime Rate published on that 
date.  If  the  Prime  Rate  is  not  published  on  a  date,  the 
“Index”  for  that  date  will  be  the  highest  Prime  Rate 
published on the most recent prior day for which a Prime 
Rate was published. 
(ii) Margin:  The “Margin” for the Account will be 25.65%. 
(iii) Formula  Rate:  The “Formula Rate” for a given date 
will  be  the  rate  equal  to  the  Index  for  that  date  plus  the 
Margin. 
(iv)  Business  Day:  All  days  Monday  through  Friday, 
excluding U.S. Federal holidays, are “Business Days.” 
(v)  Adjustment  Determination  Date:  For  any  given 
month,  the  “Adjustment  Determination  Date”  will  be  the 
27th day of the month. If the 27th day of a month is not a 
Business Day, then the “Adjustment Determination Date” 
for that month will be the first Business Day after the 27th 

day of the month. 

the 

(b) Determination of Your APR 
The  APR  applicable  to  your  Account  will  initially  be  the 
Formula Rate disclosed on the first page of this 
Agreement.  Your first APR adjustment will not occur within the 
first month you open your Account. After that, your APR may 
vary  as 
first 
frequently  as  monthly.  Starting  with 
Adjustment Determination Date after you open your Account, 
and  each  month  thereafter,  the  Formula  Rate  will  be 
determined on the Adjustment Determination Date. That rate 
will be your new APR. Your new APR will take effect on the 
first  day  of  the  billing  cycle  that  begins  on  or  after  the 
Adjustment Determination Date. 
(c) Limitations to APR Changes 
Your  APR  will  vary  freely  with  changes  in  the  Index.  A 
maximum APR of 36% will apply to your Account. 
(d) Effects of APR Changes 
Changes in the APR applicable to your Account may affect the 
interest  you  are  required  to  pay  and  the  amount  of  the 
Minimum  Payment  required  on  your  Account.  Specifically,  if 
your  APR  goes  up,  you  might  pay  more  interest  and  your 
Minimum Payment might also go up. 

9. DEFAULT. At our option, without notice, to the extent not 
prohibited by applicable law, the Account balance will become 
immediately due and payable, without notice, in the event that 
(a) you become bankrupt or insolvent, or (b) you fail to make 
payments  due  on  the  Account,  incur  charges  that  are  more 
than the maximum authorized credit limit or otherwise breach 
this Agreement, or (c) we receive information that causes us 
to believe that you are unwilling  or unable to perform under 
this Agreement, or (d) attachment or garnishment proceedings 
are instituted against you. Our failure to assert any of these 
rights shall not waive such rights. 

10. CREDIT INVESTIGATION. You authorize us at any time 
to make credit investigations that we deem are necessary, in 
our sole discretion, and you agree to provide us with financial 
statements or information in as much detail as we require. 

11. CREDIT REPORTING. We may share information about 
your  Account  with  consumer 
reporting  agencies/credit 
bureaus. Late or missed payments or other defaults on your 
Account may be reflected in your credit report 

12. CANCELLATION. 
(a)  If  you  have  not  activated  your  Card  and  not  made  a 
payment within the first sixty (60) days after your Account has 
been  opened,  you  are  electing  and  instructing  us  to  cancel 
your Account. 
(b) If you activate your Card, do not complete a transaction 

Page 3 of 7 

M-123260 

 
 
 
 
 
Cardholder Account Agreement: Part 2 of 2 

(purchase or cash advance) and do not make a payment 
during the first sixty (60) days after your Account has been 
opened, you are electing and instructing us to cancel your 
Account. 

(c)  You  may  also  cancel  your  Account  by  notifying  us  in 
writing. 

If you cancel your Account under 12(a) or 12(b) above, then 
you owe nothing. If you cancel your Account after making a 
payment or completing a transaction, you shall be responsible 
to pay all amounts due prior to such cancellation, including all 
amounts that have not yet been posted to your Account. 

13. CHANGES TO THIS AGREEMENT.  We may amend or 
modify  this  Agreement  at  any  time,  effective  forty-five  (45) 
days  after  we  notify  you  in  writing.  Any  changes,  including, 
without  limitation,  changes  in  the  ANNUAL  PERCENTAGE 
RATE and the  Periodic Rate,  shall be effective on all 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.  We  may,  in  our  sole  discretion,  waive  any 
Membership Fee, Late Payment Fee, or any other provision(s) 
of  the  Account  terms  and  conditions;  however,  we  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 this Agreement on any other or 
future occasion. 

14. CHOICE  OF  LAW.  Except to the extent superseded by 
Federal  Law,  this  Agreement  shall  be  subject  to  and 
interpreted under the laws of the state of Ohio. For purposes 
of 12 U.S.C. § 1831d, we are located in Ohio with respect to 
this Account. 

15. AUTHORIZED  USERS.  At your  request, we may issue 
cards to Authorized Users. They do not have accounts with us 
but  they  can  use  your  Account  subject  to  the  terms  of  this 
Agreement. We may report an Authorized User’s use of your 
Account to credit reporting agencies. You are responsible for 
all use of your Account by Authorized Users and anyone they 
allow to use your Account. You must pay for all charges they 
make. You are responsible for the use of your Account by an 
Authorized User and must pay for all charges that an 

Authorized  User  makes  even  if  the  Authorized  User  fails  to 
follow  your  instructions  or  otherwise  uses  the  Account  in  a 
manner not authorized by you. 
You authorize us to give Authorized Users information about 
your Account and to discuss it with them. If you want to cancel 
an  Authorized  User’s  right  to  use  your  Account  (and  cancel 
their card) you must tell us. 

16. COLLECTIONS COSTS.  You agree to pay all reasonable 
costs,  including  attorneys’  fees,  that  we  incur  to  collect 
amounts  you  owe  to  the  extent  not  prohibited  by  applicable 
law. 

17.  SERVICING  AND  COLLECTIONS  CONTACTS.  If  we 
need  to  contact  you  to  service  your  Account  or  to  collect 
amounts you owe, you authorize us (and our affiliates, agents 
and  contractors)  to  contact  you at  any  number  you  provide, 
from which you call us, or at which we believe we can reach 
you. We may contact you in any way, such as calling or texting. 
We may contact you using an automated dialer or prerecorded 
messages.  We  may  contact  you  on  a  mobile,  wireless  or 
similar device, even if you are charged for it. We may monitor 
and record any calls between you and us. 

18.  ASSIGNMENT.  We  may  sell,  transfer  or  assign  this 
Agreement  and  your  Account.  We  may  do  so  at  any  time 
without notifying you. You may not sell, assign or transfer your 
Account or any of your obligations under this Agreement. 

19.  A  MASTERCARD-branded  Card  may  not  be  used  for 
any illegal transaction. 

20.  DELAY  IN  ENFORCEMENT.  We  can  delay  or  waive 
enforcing  any  of  our  rights  under  this  Agreement  or  under 
applicable law without losing any of those rights or any other 
rights. Even if we do not enforce our rights or remedies at any 
one time, we may enforce them at a later time. 

21. 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 9203 
Old Bethpage, NY 11804-9203 

In your letter, give us the following information: 

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Cardholder Account Agreement: Part 2 of 2 

• Account information: Your name and last four (4) digits 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. 

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 9203 
Old Bethpage, NY 11804-9203 

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. 

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. 

22.  Calls,  Call  Monitoring/Recording  and  Email.  When 
you give a telephone number directly to us or our agents, or 
place a telephone call to us or our agents, you authorize us or 
our  agents  to  place  calls  to  you  at  that  number.  You 
understand that a “telephone number” includes a cell phone 
number or VoIP and “calls” include both telephone calls and 
text messages to or from your phone, cell phone or VoIP. As 
examples,  we  may  place  calls  to  you  about  fraud  alerts, 
deposit  holds,  and  collection  of  amounts  due  to  us  on  your 
account  (data  charges  may  be  incurred  for  the  calls  or  text 
messages).  When  we  or  our  agents  make  calls  to  you,  we 
may  use  automatic  dialers  and artificial,  text  or  prerecorded 
messages. You agree to notify us immediately of any change 

in your telephone number(s).  You authorize us and our agents 
to monitor and record telephone conversations and other 

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Cardholder Account Agreement: Part 2 of 2 

electronic  communications  you  have  with  us  and  with  our 
agents  for  reasonable  business  purposes,  such  as  security 
and quality assurance. We may not remind you that we may 
be monitoring or recording a call at the beginning of the call 
unless  required  by  law  to  do  so.  By  providing  your  email 
address, you also consent and agree to receive electronic mail 
from  us  and  our  representatives.  You  consent  and  agree  in 
advance to these terms and conditions. 

23.  Text  or  Email  Services.  By  enrolling  in  mobile  text 
messaging services or email reminder services (“Text or Email 
Services”)  or  otherwise  using  Text  or  Email  Services,  you 
agree  to  the  following  terms  for  those  services.  Your 
enrollment  will  give  you  access  to  certain  Account-related 
information,  including  courtesy  payment-due  alerts.  These 
courtesy  alerts  are  provided  for  your  convenience  only  and 
may  be  modified  or  discontinued  at  any  time.  They  do  not 
change your payment obligations, and you are responsible for 
making your payment, whether or not you receive a payment- 
due  alert.  The  courtesy  alerts  or  other  notices  received 
through  Text  or  Email  Services  do  not  replace  your  billing 
statement,  which  is  the  official  record  of  your  Account.  You 
understand and agree that Text or Email Services may not be 
include  personal  or  confidential 
encrypted  and  may 
information  about  you  such  as  your  Account  activity  or  the 
status  of  your  Account.  We  will  not  be  liable  for  losses  or 
damages arising from any disclosure of Account information 
to  third  parties,  non-delivery,  delayed  delivery,  misdirected 
delivery,  or  mishandling  of,  or  inaccurate  content  in,  the 
messages sent through Text or Email Services. You agree to 
indemnify, defend, and hold us harmless from and against any 
and  all  claims,  losses,  liability,  cost,  and  expense  (including 
reasonable attorneys’ fees) arising from your provision of your 
phone number or other contact information that is not your own 
or  your  own  in  violation  of  applicable  federal,  state,  or  local 
law, regulation, or ordinance. We do not charge a fee for Text 
or  email  Services,  but  you  are  responsible  for  any  and  all 
charges, including but not limited to, fees associated with text 
messaging imposed by your communication services provider. 
Message and data rates may apply. Such charges include 
those  from  your  communication  services  provider.  You 
may unsubscribe from Text or Email Services at any time. 

Cardholder Disputes 
Most  customer  concerns  can  be  resolved  by  calling  our 
Customer  Service  Department  at  the  number  listed  on  the 
back of your card. In the event Customer Service is unable to 
resolve a complaint to your satisfaction, this section explains 
how claims can be resolved through mediation, arbitration or 
litigation. 

This  Cardholder  Disputes  section  (including  the  provisions 
under the headings “Sending a Claim Notice,” “Mediation,” and 
“Continuation”) shall not apply as long as you are a  “covered 

member” (as defined  in 10  U.S.C. § 987(i)(1) and 32 C.F.R. 
§  232.3(g)(2))  or  a  dependent  of  a  covered  member  (as 
defined in 10 U.S.C. § 987(i)(2) and 32 C.F.R. § 232.3(g)(3)). 

For  this  section,  you,  we,  and  us  include  any  corporate 
parents, subsidiaries, affiliates or related persons or entities. 
Claim  means  any  current  or  future  claim,  dispute  or 
controversy relating to or arising out of your Account(s), this 
Agreement, or any agreement or relationship you have or had 
with us. Claim includes but is not limited to: (1) initial claims, 
counterclaims, cross claims and third-party claims; (2) claims 
based upon contract, tort, fraud, statute, regulation, common 
law and equity; (3) claims by or against any third party using 
or providing any product, service or benefit in connection with 
any account; and (4) claims that arise from or relate to (a) any 
account created under any of the agreements, or any balances 
on  any  such  account,  (b)  advertisements,  promotions  or 
statements  related  to  any  accounts,  goods  or  services 
financed under any accounts or terms of financing, (c) benefits 
and services related to card membership (including fee-based 
or  free  benefit  programs,  enrollment  services  and  rewards 
programs) and (d) your application for any account. You may 
not sell, assign or transfer a Claim. 

Sending a Claim Notice 
Before beginning a lawsuit, mediation or arbitration, you and 
we  agree  to  send  a  written  notice  (a  claim  notice)  to  each 
party against whom a Claim is asserted, in order to provide an 
opportunity  to  resolve  the  Claim  informally  or  through 
mediation. The claim notice must describe the Claim and state 
the specific relief demanded. Notice to you may be provided 
by your billing statement or sent to your billing address. Notice 
to us must include your name, address and Account number 
and be sent to Republic Bank & Trust Company, Attn: Legal 
Department,  601  West  Market,  Louisville,  KY  40202.  If  the 
Claim  proceeds  to  arbitration,  the  amount  of  any  relief 
demanded  in  a  claim  notice  will  not  be  disclosed  to  the 
arbitrator until after the arbitrator rules. 

Mediation 
In mediation, a neutral mediator helps parties resolve a Claim. 
The  mediator  does  not  decide  the  Claim  but  helps  parties 
reach agreement. Before beginning mediation, you or we must 
first  send  a  claim  notice.  Within  30  days  after  sending  or 
receiving a claim notice, you or we may submit the Claim to 
JAMS  (1-800-352-5267, 
the  American 
Arbitration Association ("AAA") (1-800-778-7879, adr.org) for 
mediation. We will pay the fees of the mediator. All mediation- 
related communications are confidential, inadmissible in court 
and  not  subject  to  discovery.  Upon  commencement  of  a 
mediation, all applicable statutes of limitation will be tolled until 
termination of the mediation. Either you or we may terminate 
the mediation at any time. 

jamsadr.com)  or 

Continuation 
This  Cardholder  Disputes  section  will  survive  termination  of 
your Account, voluntary payment of your Account balance, any 
legal proceeding to collect a debt, any bankruptcy and any sale 
of your Account (in the case of a sale, its terms will apply to 
the  buyer  of your  Account). If any portion of this Cardholder 

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Cardholder Account Agreement: Part 2 of 2 

Disputes section is deemed invalid or unenforceable, it shall 
be severed and will not invalidate the remaining portions of this 
Cardholder Disputes section. 

State Disclosures 
If you reside in one of the states listed below, then the 
additional terms below for that state apply. 
California 
California residents: As required by law, you are hereby 
notified that negative credit reporting may be submitted to a 
credit reporting agency if you fail to fulfill the terms of your 
credit obligations. 

Missouri 
You may prepay your Account, in whole or in part, at any 
time. If you prepay your Account in full, you may be entitled 
to a refund of certain interest under Mo. Rev. Stat. § 408.170. 

Oral agreements or commitments to loan money, extend 
credit or to forbear from enforcing repayment of a debit 
including promises to extend or renew such debt are not 
enforceable. To protect you and us from 
misunderstanding or disappointment, any agreements 
we reach covering such matters are contained in this 
writing/Agreement, which is the complete and exclusive 
statement of the agreement between us, except as we 
may later agree to in writing to modify it. Mo. Rev. Stat. § 
432.045. 

New Hampshire 
Reasonable attorney’s fees will be awarded to you if you 
prevail in (a) any action, suit or proceeding brought by us, or 
(b) any action brought by you. If you successfully assert a 
partial defense or set-off, recoupment or counterclaim to an 
action brought by us, the court may withhold from us the 
entire amount or such portion of the attorney fees as the 
court considers equitable. 

New Jersey 
Because certain provisions of this Agreement are subject to 
applicable law, they may be void, unenforceable or 
inapplicable in some jurisdictions. None of these provisions, 
however, is void, unenforceable or inapplicable in New 
Jersey. 

Utah 
As required by Utah law, you are hereby notified that a 
negative credit report reflecting on your credit record may be 
submitted to a credit reporting agency if you fail to fulfill the 
terms of your credit obligations. 

Wisconsin 
If you are married, please contact us immediately upon 
receipt of this Agreement at 1-800-634-9558 and provide us 
with the name and address of your spouse. We are required 
to inform your spouse that we have opened a credit account 
for you. 

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