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  INTEREST  CHARGE  begins  to  accrue  for  cash  advances,  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 
including 
imposed  except 
convenience checks.  

for  cash  advances, 

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  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, relationship with us 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 
$18.  Returned  Payment  Fee:  We  will  add  a  fee  to  your  balance  of  $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 rate 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. 

in  all 

interest 

individual  and 

Additionally, you specifically grant the Credit Union a lien and 
joint 
consensual  security 
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. 

MC008G R 07-07-11  

 
 
 
 
 
 
 
 
 
 
 
 
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 
3.9% Promotional APR for 
balance transfers made 
between July 1, 2011 – 
December 31, 2011. Pre-
existing balances will remain 
at 9.7% to 15.7% based on 
your credit worthiness.  

Promotional balances will 
remain at 3.9% until the 
January 2014 statement. After 
that, your APR will be 9.7% to 
15.7% based on your 
creditworthiness. 
3.9% Promotional APR for 
cash advances made 
between July 1, 2011 – 
December 31, 2011. Pre-
existing balances will remain 
at 9.7% to 15.7% based on 
your credit worthiness.  

Promotional balances will 
remain at 3.9% until the 
January 2014 statement. After 
that, your APR will be 9.7% to 
15.7% based on your 
creditworthiness. 
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 

How to Avoid 
Paying Interest 
on Purchases 

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. 

Minimum Interest 
Charge 

None 

For Credit Card 
Tips from the 
Federal Reserve 
Board 

To learn more about factors to 
consider when applying for or 
using a credit card, visit the 
website of the Federal 
Reserve Board at 
http://federalreserve.gov/credi
tcard.  

None 

None 

Fees 
Annual Fee 
Transaction Fees 
  Balance Transfer  None 
  Cash Advance 
   Foreign  
  Transaction 
Penalty Fees 
  Late Payment 
  Over the Credit 
Limit 
  Returned Payment  $15 
Other Fees 

None 

None 

None 

$18 

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 
07/2011.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, Fidelity National Information Services. 

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 transaction on your bill, 
write Fidelity National Information Services 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 

MC008G R 07-07-11