PLATINUM
CASHBACK
REWARDS
MASTERCARD�
AGREEMENT
BILLING RIGHTS
&
CREDIT CARD
DISCLOSURE
IMPORTANT
KEEP THIS NOTICE 
FOR FUTURE USE
MC028 R 04/2021 Interest Rates and Interest Charges
Mastercard� 
Credit CardsPlatinum CashBack Rewards
Annual 
Percentage 
Rate (APR) 
for Purchases13.90% to 18.00%
when you open your account, 
based on your creditworthiness 
and other factors. After that, 
this APR will vary with the 
market based on the  
Prime Rate.
APR for Balance 
Transfers0% Introductory APR for 
Balance Transfers made 
during the first 90 days from 
the date of account opening. 
Introductory APR does not 
apply to purchases. Promotional 
balances will remain at 0% APR 
for 12 months starting from 
the date of the initial Balance 
Transfer request. Beginning 
with the thirteenth month, your 
APR will be 13.90% to 18.00% 
based on your creditworthiness 
and other factors. This APR will 
vary with the market based on 
the Prime Rate.
APR for Cash 
Advances0% Introductory APR for 
Cash Advances made during 
the first 90 days from the 
date of account opening. 
Introductory APR does not 
apply to purchases. Promotional 
balances will remain at 0% APR 
for 12 months starting from the 
date of the initial Cash Advance 
request. Beginning with the 
thirteenth month, your APR will 
be 13.90% to 18.00% based 
on your creditworthiness and 
other factors. This APR will vary 
with the market based on the 
Prime Rate.
Penalty APR and 
When it AppliesNone
Minimum 
Interest ChargeNone How to Avoid 
Paying Interest 
on PurchasesYour 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, including 
Balance Transfers and Cash 
Advances, by the due date each 
month. If the ENTIRE balance is 
not paid, then interest will be 
charged on any purchases, but not 
on the Balance Transfers or Cash 
Advances made during the first 90 
days of the account opening. 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
BureauTo 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 .
How We Will Calculate Your Balance: 
We use a method called �average daily balance� 
(including new purchases). See the terms and conditions 
of this credit card agreement for more details.
The information about the cost of the cards described 
in this application is accurate as of 04/2021. 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 
(RBFCU), P.O. Box 2097 , Universal City, TX 78148.Fees
Annual Fee None
Transaction Fees
� Balance Transfer
� Cash Advance
� Foreign TransactionNone
Penalty Fees
� Late Payment
� Over the Credit Limit
� Returned PaymentUp to $25
None
Up to $24Up to 2% of the amount  
of each Cash Advance 
None DEFINITIONS : �Agreement� means this RBFCU Platinum CashBack Rewards 
Mastercard� Agreement. �You,� �Your,� and �Cardholder� mean any person who signs 
the Application or uses the card. �Card� and �Account� mean the RBFCU CashBack 
Rewards Mastercard which we issue under this Agreement and includes any device 
or check used to obtain credit or cash from the credit card account. The terms �our,� 
�we,� �us,� or �Credit Union� refers to RBFCU 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. �ATM� means automated teller machine. �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 notice 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 Balance Transfers and Cash Advances, 
including convenience checks, on the date of the Balance Transfer, Cash 
Advances 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 Balance Transfers and 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 CashBack Rewards Mastercard account. 
You may pay any amount outstanding at any time without penalty for early 
payments. Your actual ANNUAL PERCENTAGE RATE (APR) will be determined based 
on your creditworthiness and other factors and will be provided to you in writing 
if your application is approved. The APR is based on the U.S. Prime Rate (�Prime 
Rate�), and the APR will equal the Prime Rate plus an additional amount. If the  Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, 
it will cause the APR to decrease. The APR is subject to change quarterly. We use the 
Prime Rate published in The Wall Street Journal seven (7) days prior to the end of 
the quarter. If the Prime Rate causes an APR to change, we put the new APR into 
effect as of the first day of the next billing period after the start of the January, 
April, July or October billing cycle for which we calculate the APR. We apply the 
new APR to any existing balances, subject to any promotional rate that may apply. 
If The Wall Street Journal does not publish the Prime Rate, we will use a similar 
published rate. If your APR is 13.90% (Prime + 10.65), you will accrue an INTEREST 
CHARGE at a rate of 1.1583% per month. If your APR is 15.90% (Prime + 12.65%), 
you will accrue an INTEREST CHARGE at a rate of 1.3250% per month. If your APR is 
17.90% (Prime + 14.65%), you will accrue an INTEREST CHARGE at a rate of 1.4917% 
per month. If your APR is 21.90% (Prime + 18.65%), you will accrue an INTEREST 
CHARGE at a rate of 1.8250% per month. However, regardless of the index value, 
the Annual Percentage Rate is currently capped by regulation at 18.00% (which 
corresponds to a monthly periodic rate of 1.5000%).  RBFCU reserves the right to 
increase the maximum interest rate if permitted by law or regulation.
5. OTHER CHARGES:  Late Fee:  If you do not pay your minimum payment within 15 
days following your payment due date, you may be charged a late fee of up to 
$25. Returned Payment Fee:  We will add a fee to your balance of up to $24 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.  Cash Advance Fee:  A fee 
equivalent to 2% of the amount of each Cash Advance will be assessed. This will be 
charged separately from the amount of your Cash Advance request. 
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 in safeguarding your Mastercard from risk or loss 
or theft, and (ii) you have, upon becoming aware of the loss or theft, promptly 
reported the loss or theft to our designee. 
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. The foregoing 
liability limitations do not apply to (i) Card use from which any Cardholder receives a 
benefit; or (ii) 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 CashBack Rewards 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 by other means such as RBFCU Online Banking or at an 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: (i) To the late charge and 
fees, (ii) to INTEREST CHARGES, (iii) to Cash Advances and (iv) 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 (i) if you fail to make any payment 
on time; (ii) if you fail to notify the Credit Union in writing of any change of 
employers; (iii) if you become the subject of an order of relief under the U.S. 
bankruptcy laws; (iv) if you are the subject of any legal process which seeks to 
attach your Credit Union account; (v) if you have given the Credit Union false 
or inaccurate information in obtaining the credit card; (vi) 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; (vii) if you fail to 
report the Card lost or not in your possession; (viii) 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:  An authorized user is an individual who has charging 
privileges on a credit card account even though he or she is not the primary 
Cardholder. The primary Cardholder is solely responsible for the Account. The 
primary Cardholder must notify the authorized user that the Account will be 
reported to a credit bureau and thus will show up on their credit report, which 
can impact them positively or negatively, depending on how the Account is 
handled. You agree to pay for all purchases and Cash Advances made by anyone 
whom you authorize to use a Card issued on your credit card account. If at any 
time the primary Cardholder wants to terminate that person�s privilege as an 
authorized user, the primary Cardholder must contact us. At that time, since credit 
Cardholders share the same card number, all cards associated with the Account 
will be blocked to prevent future unauthorized usage. Any remaining active 
Cardholders will receive new cards with a new number. The primary Cardholder 
agrees to notify all associated parties.
 INFORMATION ABOUT AUTHORIZED USERS : By providing us certain personal 
information about each authorized user, you confirm each authorized user has 
allowed you to give us personal information. This may include, but is not limited 
to, name, address, Social Security number, date of birth and citizenship status. 
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: RBFCU, Attn: Credit Disputes, P.O. Box 2097 , Universal City, TX 
78148. 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. LIEN AND SECURITY INTEREST : 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 deposit 
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 deposit 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. CASHBACK REWARDS:  The Cashback Rewards Program pays a reward equivalent 
to 2% of the transaction amount for each qualified purchase completed with 
your Card. ATM withdrawals, Balance Transfers, Cash Advances, finance 
charges, fees and any other non-purchase transactions do not qualify for 
rewards. The cash back is redeemable online or is paid once a year after the 
Program calendar year ends on September 30. Your Card must be open and in 
good standing at the time of reward redemption. Payment of the reward may 
be made by direct deposit to a deposit account of your choosing. We reserve 
the right to disqualify transactions that are not usual or customary and are 
apparently structured or intended to abuse the program. Abuse of the program 
may result in loss of rewards and Card privileges. We may add to, change, or 
delete any of the terms of this program or discontinue this program at any time 
at our sole and absolute discretion. 
20. 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. 
21. CARDHOLDER RESPONSIBILITY:  It is the responsibility of the Cardholder 
to update Card information with any third-party or automatic bill-payment 
service upon receiving a reissued or replacement Card. The Credit Union does 
not update or provide Card information to any third-party or bill-payment 
service that the Cardholder may have previously authorized.
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 our designee at:  
Customer Service, P.O. Box 30495, Tampa, FL 33630.
In your letter, give us the following information:
� Account information: Your name and 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 incorrect 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 incorrect.
You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have to 
pay the amount in question.
WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
� We cannot try to collect the amount in question, or report you as delinquent 
on that amount.
� The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount.
� While you do not have to pay the amount in question, you are responsible for 
the remainder of your balance.
� We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
� If we made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount.
� If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is incorrect, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your 
credit card, and you have tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of 
your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.)
2. You must have used your credit card for the purchase. Purchases made with Cash 
Advances  from an ATM or with a check that accesses your credit card account do 
not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact our designee in writing at: Customer Service, P.O. Box 30495, Tampa,  
FL 33630.
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think 
you owe an amount and you do not pay, we may report you as delinquent.