DEFINITIONS:    "You,"  "Your,"  and  "Cardholder"  mean  any  person  who 
signs the Application or uses the card.  "Card" means the Randolph-Brooks 
Federal  Credit  Union  Platinum  Preferred  Rate  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 INTEREST CHARGE begins to accrue for cash 
advances, including convenience checks and balance transfers, 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." 

c.  Rate of INTEREST CHARGE.  You will pay an INTEREST CHARGE 
for  all  charges  and  advances  made  against  your  Platinum  Preferred  Rate 
MasterCard account.  If your ANNUAL PERCENTAGE RATE (APR) is 7.7%, 
you will accrue an INTEREST CHARGE at a rate of .6417% per month.  If 

your  APR  is  9.7%,  you  will  accrue  an  INTEREST  CHARGE  at  a  rate  of 
.8083%  per  month.    If  your  APR  is  12.7%,  you  will  accrue  an  INTEREST 
CHARGE at a rate of 1.0583% per month.  If your APR is 14.7%, you will 
accrue an INTEREST CHARGE at a rate of 1.2250% per month.  If your APR 
becomes  15.7%,  due  to  default  (see  section  d  for  Default  Rate),  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  or  1.3083%  per 
month.  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 Platinum  Preferred Rate  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 to the extent permitted 
by law.  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. 

MC022 R 03-25-13 

 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 
MasterCard® 
Credit Cards 

Platinum Preferred Rate 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Penalty APR and 
When it Applies 

7.7% to 14.7% 
based on your 
creditworthiness and other 
factors 
3.9% Promotional APR for 
balance transfers made 
between January 1, 2013 – 
December 31, 2013. Pre-
existing balances will remain 
at 7.7% to 14.7% based on 
your creditworthiness and 
other factors.  

Promotional balances will 
remain at 3.9% until the 
January 2016 statement. 
After that, your APR will be 
7.7% to 14.7% based on your 
creditworthiness and other 
factors. 
3.9% Promotional APR for 
cash advances made 
between January 1, 2013 - 
December 31, 2013. Pre-
existing balances will remain 
at 7.7% to 14.7% based on 
your creditworthiness and 
other factors.  

Promotional balances will 
remain at 3.9% until the 
January 2016 statement. 
After that, your APR will be 
7.7% to 14.7% 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. 
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. 

How to Avoid 
Paying Interest 
on Purchases 

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  
None 
  Foreign Transaction   None 
Penalty Fees 
  Late Payment 
  Over the Credit Limit  None 
  Returned Payment  Up to $15 
Other Fees 

Up to $18 

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 
04/2013.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. 

PLATINUM 
PREFERRED RATE 
MASTERCARD 

AGREEMENT 
BILLING RIGHTS 

& 

CHARGE CARD 
DISCLOSURE 

IMPORTANT 

KEEP THIS NOTICE 
FOR FURTHER USE 

MC022 R 03-25-13