Republic Bank & Trust Company - Cardholder Account Agreement 

The following terms and conditions govern the use of your Personal Secured Card Account (“Account”) and 
any Card or other Access Device (“Access Device”) issued by Republic Bank & Trust Company (“Issuer”). 
1. RESPONSIBILITY. 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, Customer named therein accepts these terms 
and conditions and assumes responsibility for all credit extended through use of the Account, except that 
Customer’s liability for unauthorized use will be limited as hereinafter provided. Any Access Device remains 
the property of the Issuer and shall be surrendered upon Issuer’s request. The Account and its privileges are 
not transferable by Customer and may be cancelled or revoked or the Credit Limit may be reduced or frozen 
by Issuer at any time for any reason without notice subject to any legal provisions or requirements under 
applicable law. Issuer has 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 Billing Rights. Transactions 
restricted by the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) are prohibited from being 
processed through the Account. Additional information can be obtained at 1-866-292-0856. 
2. UNAUTHORIZED USE, LOSS, OR THEFT. You must notify the Issuer of loss, theft or unauthorized use of 
your Account by calling toll-free telephone number 1-866-292-0856, or in writing to Customer Service, P.O. 
Box 30495, Tampa, FL 33630 Attention: Security Department. After your notice of unauthorized use to us, 
your liability will not exceed $50. Issuer may, to the extent allowed under applicable law, increase the limit of 
the Customer’s liability for unauthorized transactions only if the Issuer determines that the Customer was 
grossly negligent or fraudulent in the handling of the Account or Card. 
3. CREDIT LIMIT. Customer may use the Account to obtain credit for Purchases from authorized sellers, Cash 
Advances, and Balance Transfers from any Bank Card lender. Purchases, Cash Advances, and Balance Transfers 
shall also include charges approved by Issuer for Customer by means of other device, check or program for credit 
transactions, including any INTEREST CHARGES that result in a charge to the Account. Customer agrees not to 
incur charges to the Account which exceed the maximum credit authorized by the Issuer. In the event the Customer 
incurs charges in amounts exceeding such maximum authorized credit, the Customer shall pay immediately the 
amount by which the Total New Balance exceeds such maximum authorized credit.  
4. ACCOUNT USE. You aren’t permitted to use your Account for business purposes.  If you do use your Account for 
business purposes, this Agreement still applies, and you must pay us for those Transactions.  You may also have to 
pay us for any damages and/or expenses resulting from that use.  In addition, we may close your Account 
5. UNLAWFUL TRANSACTIONS.  You aren’t permitted to use your Account for unlawful Transactions.  If you do 
use your Account for unlawful Transactions, this Agreement still applies and you must pay us for those Transactions.  
You also may have to pay the Card Network and/or us for any damages and expenses resulting from that use.  In 
additional, we may close your account. 
6.  PAYMENTS.  Customer agrees to pay, in accordance with billings, indebtedness incurred for Purchases, Cash 
Advances, Balance Transfers, any applicable INTEREST CHARGE, the Annual Fee, any Late Payment Fee, and 
any other fees imposed from time to time pursuant to these terms and conditions, and in the event of Customer’s 
breach or default in the performance of these terms and conditions, all additional costs and expenses incurred by 
Issuer resulting therefrom including reasonable attorney fees. All payments by Customer shall be made in U.S 
dollars.  Issuer may place a reasonable hold on the crediting of check payments. 
7. MOBILE PHONES OR OTHER DEVICES.  Smart phones, tablets and other electronic devices can store your 
Card (such as through a mobile wallet).  This means they can be used to make Purchases or other Transactions.  
Any such Transactions are covered by this Agreement.  Apps that use your Card to make Transactions may have 
separate terms of use.  We’re not responsible if you violate those terms of use.  We’re not responsible if you violate 
those terms, or for any consequences resulting from any violation. 
8. PERIODIC STATEMENT AND PAYMENT SCHEDULE. Issuer will send to Customer a statement for each billing 
cycle in which the Total New Balance (debit or credit) for Purchases, Cash Advances, and Balance Transfers, 
exceeds $1.00 on the last day of the billing cycle or in which an INTEREST CHARGE has been imposed. Customer 
must pay at least the minimum payment due disclosed on the statement which will be 2% of the Total New Balance 
disclosed on the statement, or $15.00 whichever Is greater (or the portion of $15.00 that is necessary to pay the Total 
New Balance in full) plus all indebtedness which exceeds the Credit Limit and all amounts listed as “Past Due” on the 
Account. The minimum payment will be rounded up to the nearest whole dollar amount. Payments in excess of the 
minimum payment amount or additional payments may be made at any time but shall not affect Customer’s 
obligation to pay succeeding monthly payments so long as any amount is due and owing on the Account. INTEREST 
CHARGES on the Purchases New Balance disclosed on any monthly statement may be avoided by payment of 
either the Total New Balance or Purchases New Balance in full on or before the Payment Due Date as disclosed on 
the monthly statement. If not so paid, INTEREST CHARGES will be incurred on the principal portion of the 
Purchases New Balance as of the Statement Closing Date as disclosed on the monthly statement, and INTEREST 
CHARGES will be incurred on the New Purchases posted to the Account during the next billing cycle as of the date 
of posting of each. INTEREST CHARGES are incurred on Cash Advances from the date the money is advanced 
until payment in full is received. 
9. SCHEDULE OF FEES. 
(a) Annual Fee. Customer agrees to pay Issuer an Annual Fee in the amount of $50.00 for the Account and 
Card in consideration of the benefits and services thereby made available to Customer other than extensions 
of credit. Such Annual Fee will be charged irrespective of whether an INTEREST CHARGE is incurred on 
the Account, and no INTEREST CHARGE incurred will be credited in whole or in part to payment of the 
Annual Fee. The Annual Fee is payable in advance for each year, and will be 
charged to the Account annually. No refund of any part of the Annual Fee will be made in the event of 
cancellation of the Account or return of the Card for any reason. 
(b) Cash Advance Limit and Fee. Cash Advances are limited to the amount of the Credit Limit.  An INTEREST 
CHARGE will be computed on the amount of each Cash Advance as of the date of the transaction. The INTEREST 
CHARGE will be either $3.00 or 3% of the Cash Advance, whichever is greater.  Any Cash Advance INTEREST 
CHARGE may increase the actual Annual Percentage Rate. 
(c) International Transaction Fee. Transactions processed outside the United States will be charged an 
International Transaction Fee of 3% of each transaction in United States dollars. See Section 19 for further 
information. 
(d) Balance Transfer Limit and Fee. A balance transfer fee (greater of $5.00 or 3% of the total dollar amount 
transferred) will be applied to your Account when the requested transfer is processed. The Fee, and the transfer 
transaction, will appear on your monthly Account Statement. Fees may increase your Minimum Amount Due on your 
next monthly statement. See Section 11 for further information. 
(e) 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 up to $27.00 will be imposed. 
(f) Over the Limit Fee. NONE 
(g) Returned Payment Fee. If any check or other instrument given for payment of the Account is dishonored for any 
reason, a penalty fee up to $27.00 will be imposed.   
(h) Expedited Phone Payment. An Expedited Phone Payment Fee of $6.00 will be imposed if the payment involves 
an expedited service by a service representative. 
(i) Rush Card Fee. $25.00 Domestic, $100 International 
(j) Reissue Fee. NONE 
10. INTEREST CHARGE. The 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: 
Purchases. To avoid incurring additional INTEREST CHARGE on the balance of purchases reflected on your 
periodic statement and, on any new purchases appearing on your next periodic statement, you must pay the 
New Balance in full shown on your monthly statement on or before the Payment Due Date. The grace period 
for the New Balance of purchases extends to the Payment Due Date. We calculate the INTEREST CHARGES  
for a billing cycle by applying the monthly Periodic Rate to the Average Daily Balance of purchases. To get the 
Average Daily Balance, we take the beginning balance of your account each day, add any new purchases and 
subtract any payments, credits, non-accruing fees, and unpaid INTEREST CHARGES. This gives us the daily 
balance. Then we add 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. 
Cash Advances. The INTEREST CHARGE on Cash Advances begins from the date the Cash Advance is posted to 
your account. There is no grace period. We calculate the INTEREST CHARGES for a billing cycle by applying the 
monthly 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 cash advances, and subtract any payments, credits, non-
accruing fees, and unpaid INTEREST CHARGES. This gives us the daily balance. Then we add 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. 
Balance Transfer.  The INTEREST CHARGE on Balance Transfers begins from the date the Balance Transfer is 
posted to your account. There is no grace period. We calculate the INTEREST CHARGES for a billing cycle by 
applying the monthly 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 cash advances, and subtract any payments, 
credits, non-accruing fees, and unpaid INTEREST CHARGES. This gives us the daily balance. Then we add 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. 
Minimum Interest Charge. We will charge a minimum INTEREST CHARGE for purchases of $.50, a minimum 
INTEREST CHARGE for Cash Advances of $3.00, and a minimum INTEREST CHARGE for Balance Transfers of 
$5.00 for each billing period in which an INTEREST CHARGE is payable. The INTEREST CHARGE will be added to 
your purchase balance, Cash Advance balance, or Balance Transfer. 
11. BALANCE TRANSFER. Requests will be processed in the order in which you list them. The minimum 
transferable amount is $100.00 per transfer. Up to three (3) balance transfers may be requested at one time. If a 
balance transfer request is more than your Available Credit Limit we will automatically lower the balance transfer 
amount to your Available Credit Limit and complete the transfer. Until your balance transfer(s) is posted, you may 
need to continue making payments to your other accounts to keep them current. Balance transfers are not subject to 
a grace period, and may take 1 to 2 weeks to process. Balance transfers can be used to pay off non-credit card 
obligations; however, balance transfers cannot be used to pay off other Issuer obligations. Balance Transfers 
are limited to the amount of the Credit Limit.  An INTEREST CHARGE will be computed on the amount of each 
Balance Transfer as of the date of the transaction. Upon request for balance transfer cardholder will be required to 
complete and sign balance transfer form. 
12. ANNUAL PERCENTAGE RATE.  The INTEREST CHARGE on Purchases, Cash Advances, and Balance 
Transfers will be computed by applying a monthly periodic rate computed as follows: 

Monthly Periodic Rate 
1/12 of Annual Percentage Rate 

Corresponding Annual Percentage Rate 
Prime Rate Plus 13.2% 

The Annual Percentage Rate (“APR”) is a variable rate. The APR shall be based on the highest Prime Rate 
listed in the Money Rate section of the Wall Street Journal on the 1st day of each month (or if the 1st is a 
Saturday, Sunday, or holiday, the next business day) and adding 13.2% to that rate, not to exceed 21%. Any 
change in the APR will go into effect on the first day of your new billing cycle that follows the effective date, as 
herein defined, of the Wall Street Journal published Prime Rate change. Any increase or decrease in the 
Prime Rate may result in an increase or decrease in the INTEREST CHARGE imposed on your account and 
the minimum payment due. 
13. DEFAULT. The Account balance will, at Issuer’s option, become immediately due and payable, without 
notice, in the event that (a) Customer becomes bankrupt or insolvent, or 
(b) Customer fails to make payments due on the Account, incurs charges which exceed the maximum authorized 
credit limit or otherwise breaches the Account terms or conditions, or 
Issuer receives information which causes it to believe Customer is unwilling or unable to perform under these 
Account terms and conditions, or (d) attachment or garnishment proceedings are instituted against Customer. 
Failure by Issuer to assert any rights hereunder shall not waive such rights. 
14. ADDITIONAL CARDHOLDER(S).  We may issue cards to Additional Cardholders approved by you. 
Additional Cardholders may not have accounts with us but they are able to access and utilize your Account 
subject to the terms of this Agreement. We may, in our discretion, report Additional Cardholders when we 
report to credit reporting agencies regarding the Account. You are responsible for all use of your Account by 
Additional Cardholders and anyone they allow to use your Account. You are responsible for all charges made 
by Additional Cardholders. You authorize us to give Additional Cardholders information about your Account. If 
you want to cancel an Additional Cardholder’s right to use your Account (and cancel their Account card) you 
must give us a reasonable time to process the request.  You may notify us either in writing, verbally, or via 
electronic mail at: 

Writing 
Republic Bank 
ATTN: Card Operations 
601 West Market Street 
Louisville, KY 40202 

Verbally 
1-866-292-0856 

Electronic Mail 
creditcard@republicbank.com 

15. SECURITY. If Issuer already holds any security interest created in any previous transaction for any 
property that secures other or further indebtedness of Customer to Issuer, such security interest will secure 
payment of the Account balance. Notwithstanding contrary provisions of any obligation of Customer to Issuer, 
Issuer waives any security interest which it has or may have in any property that is or becomes the principal 
dwelling of the Customer or any other person as security for payment of the Account balance. 
Secured Consumer Card. Customer acknowledges that Customer has signed a Security Agreement granting 
Issuer a security interest in a specifically-identified deposit account maintained by Customer at Issuer (“the 
Deposit”) to secure the prompt payment of amounts owing from time to time on the Account, Customer agrees as 
follows: (1) If any amount owing on the Account is not paid when due, Issuer may apply part or all of the Deposit to 
pay such amount, after deducting from the Deposit any applicable early-withdrawal penalty; (2) Customer shall 
maintain the Deposit at all times when the Account is open, and for fifteen (15) days after the Account is closed or 
terminated, in an amount not less than the greater of 
(i) the then-current (or, in the case of a closed or terminated Account, the most recent) credit limit assigned by Bank 
for the Account or (ii) the amount then owing on the Account. See Customer’s Security Agreement for additional 
details. 
16. CREDIT INVESTIGATION. Customer authorizes Issuer at any time to make credit investigations which 
are deemed necessary in Issuer’s discretion and Customer agrees to furnish financial statements which may 
be requested at any time and in sufficient detail as Issuer may require. 

 
 
 
 
 
 
 
 
 
 
 
 
17. CANCELLATION. Customer may cancel this Agreement upon notification in writing to Issuer. If the 
Account is cancelled, Customer shall be responsible to pay all amounts due prior to such cancellation, 
including amounts that have not yet been posted to Customers Account. 
18. CHANGES TO THIS AGREEMENT. Issuer may amend or modify these terms and conditions at any time, 
effective forty-five (45) days after written notice thereof is mailed to Customer. Any changes in these terms and 
conditions, including, without limitation, changes in the ANNUAL PERCENTAGE RATE and the Periodic Rate, 
shall be effective as to 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. Issuer may, in its sole 
discretion, waive imposition of the any Annual Fee, Late Payment Fee, or any other provision(s) of these Account 
terms and conditions; however, Issuer shall 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 these Account terms and conditions on any other or future occasion. 
19. INTERNATIONAL TRANSACTIONS. Purchases and Cash Advances occurring in foreign countries and 
billed in foreign countries will be billed to your Account in U.S. dollars. Transactions processed outside the 
United States will be charged an International Transaction Fee of 3%. The monetary exchange rate will be a 
rate selected by the Card Network from the range of rates available in wholesale currency markets for the 
applicable central processing date, which rate may vary from the rate the Card Network itself receives, or the 
government mandated rate in effect for the applicable central processing date, plus the applicable 
International Transaction Fee. 
20. CHOICE OF LAW.  Except to the extent superseded by Federal Law, this Agreement shall be subject to 
and interpreted under the laws of the Commonwealth of Kentucky, with all interest and assessments 
authorized pursuant to KRS 286.6. 
21. CALL MONITORING.  We may monitor and record any calls between you and us. 
22. MERCHANT REFUNDS.  A merchant refund to your Account will post to your Account as a credit.  We don’t 
control when a merchant sends an Account credit.  We’ll choose how to apply the credit to your existing Account 
balances.  If a credit creates a credit balance on your Account, we’ll mail you a check for the amount of the credit 
balance is outstanding for 180 days.  Note: Some merchants, including merchants outside of the U.S., may charge 
you a fee to use your Card for a Purchase.  The fee will be either a percentage or the amount of your purchase, or a 
flat fee, and will be added to the amount of your purchase.  Usually, a merchant will tell you about this fee before you 
use your Card, but not always.  We don’t control theses fees, and can’t prevent them. 
23. REOCCURING AUTHORIZED TRANSACTIONS.  If you authorize a merchant or any other person to charge 
your Account for reoccurring Transactions, you must notify the merchant if: 
You want to discontinue these Transactions; 
Your Account is closed; 
Your Account number changes; 
Your Card expiration date changes. 

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Republic Bank does use a service to notify merchants that have reoccurring payments setup that card information 
has changed.  Not all merchant participate in this service therefore you’re responsible for reinstating and/or ensuring 
any reoccurring authorized Transactions are setup with the merchant directly. 
24. When you give us your phone number, we have your permission to contact you at that number about all your 
Republic Bank accounts.  Your consent allows us to use artificial or prerecorded voice messages and automatic 
dialing technology for informational and account service calls, but not for telemarketing or sales calls.  It may include 
contact from companies working on our behalf to service your accounts.  If the phone number you provide is your cell 
phone number, you give us consent to use text message in addition to the communication methods listed above for 
informational and account service messages, but not for telemarketing or sales messages. Message and data rates 
may apply. To opt-out of this service or update your preferences call us at 1-866-292-0856 or write us at:   

Contact Center 
Republic Corporate Center, 
601 West Market Street, Louisville, Kentucky 40202 

25. MILITARY LENDING ACT.  The provisions of this section only apply to certain members of the Armed Forces 
and their dependents.  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 fee charged (other 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). 
26.  CREDIT BALANCE.  We will make a good faith effort to return to you any credit balance that has been on your 
Credit Card Account longer than six consecutive Billing Cycles (or, in our discretion, for a shorter time period). You 
may also request a refund of a credit balance on your Credit Card Account at any time by sending your request to 
Card Operations 601 West Market Street, Louisville, KY 40202, by first class mail, postage prepaid. We may reduce 
the amount of any credit balance on your Credit Card Account by applying the credit balance towards new fees and 
charges posted to your Credit Card Account. We do not pay any interest on credit balances. 
27. 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 30495 
Tampa, FL  33630 

In your letter, give us the following information: 
• Account information: Your name and last four (4) 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. 

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.  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 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. 

REV 01/01/2018 
I003482