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  initial 
qualifying  ANNUAL  PERCENTAGE  RATE  (APR)  is  7.7%,  you  will  accrue  an  INTEREST 
CHARGE at a rate of .6417% per month.  If your initial qualifying APR is 9.7%, you will accrue an 
INTEREST CHARGE at a rate of .8083% per month.  If your initial qualifying APR is 12.7%, you 
will accrue an INTEREST CHARGE at a rate of 1.0583% per month.  If your initial qualifying 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, relationship with us and other factors and will be provided to you in writing if your 
application is approved. 

This Card offers a relationship rate which is 2% lower than your initial qualifying rate when you 
accumulate at least eight product and service relationship points on the same Randolph Brooks 
Federal Credit Union (RBFCU) account as the Platinum Preferred Rate MasterCard.  If your APR 
becomes 5.7% with qualifying relationships, you will accrue an INTEREST CHARGE at a rate of 

.475% per month. Relationships maintained on other RBFCU accounts do not count toward this 
product. Qualifying RBFCU products and services with their respective point awards are: 
Active Real Estate 

Active Vehicle Loans 

Active MasterCard 

Paid Loans 

Other Consumer Loans 

Direct Deposit 

Individual Retirement 
Account (IRA) Balance 
Active Draft (Checking) 
Account 

Money Market or  
Share Certificate Balance 

NetBranch Usage 

Debit/Automated Teller 
Machine (ATM) Card 
ePay 

eStatements 

Age of Share Account 

Age of Draft (Checking) 
Account 

2  points  for  one  or  more  real  estate  loans  with  aggregate 
balance greater than or equal to $1 
2  points  for  one  or more  New/Used  automobile loans  with 
aggregate balance greater than or equal to $1 
2 points if you have made a payment on your RBFCU credit 
card  due  to  usage  in  the  last  60  days  or  any  of  your  credit 
card(s) have aggregate balances greater than or equal to $1 
1 point if you have one or more paid off loans in the last 24 
months.    No  points  will  be  awarded  for  loans  that  are 
refinanced or charged off. 
1  point  if  the  total  aggregate  balances  are  greater  than  or 
equal to $1 for all other consumer loans not listed above 
1  point if you  have  had any  form  of  direct  deposit  to your 
account in the last 90 days 
1  point  if  your  total  aggregate  IRA  Share  or  IRA  Share 
Certificate balances are greater than or equal to $1,000 
2  points  if  you  have  conducted  a  member  initiated 
transaction in the current or previous month to include Direct 
Deposit 
1 point 

1 point when you have accessed NetBranch on-line banking 
in the past 90 days 
2 points for an active Debit or ATM card 

1  point  for  performing  2  or  more  ePay  transactions  per 
calendar month 
1  point  for  receiving  your  monthly  or  quarterly  account 
statement via eStatements 
1 point if your Share Account has been open 24 months or 
more  but  less  than  120  months,  2  points  if  your  Share 
Account has been opened for 120 months or more 
1 point if your Draft Account has been open for 15 months 
but less than  60 months, or  2 points if your  Draft Account 
has been open for 60 months or longer 

On the 1st day of your statement cycle beginning each quarter, your account will be reviewed to 
determine  if  your  account  has  accumulated  the  eight  product  and  service  relationship  points 
needed to qualify for the relationship rate while maintaining an active Platinum Preferred Rate 
MasterCard.  If you qualify for the relationship rate, your Platinum Preferred Rate MasterCard rate 
will be your initial qualifying rate minus 2%. Point values per product or service are the maximum 
number of points that can be accumulated unless specifically stated otherwise. 

If your Card goes into default as defined under section d. below, then all balances will be 

subject to the penalty rate regardless of the number of points earned. 

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 1.308% 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  $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: 

You may also write to our designee at: 

(866) 839-3485 

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  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 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. 

ILLEGAL  CARD  USE:  You  may  not  use  your  Card  for  any  illegal  transaction.  You 
18. 
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. 

MC008B R 07-07-11  

 
 
 
 
 
 
 
 
 
 
 
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 

5.7% to 14.7% 
based on your 
creditworthiness and other 
factors 
3.9% Promotional APR for 
balance transfers made 
between July 1, 2011 – 
December 31, 2011. Pre-
existing balances will remain 
at 5.7% to 14.7% based on 
your credit worthiness and 
other factors.  

Promotional balances will 
remain at 3.9% until the 
January 2014 statement. 
After that, your APR will be 
5.7% to 14.7% based on your 
creditworthiness and other 
factors. 
3.9% Promotional APR for 
cash advances made 
between July 1, 2011 – 
December 31, 2011. Pre-
existing balances will remain 
at 5.7% to 14.7% based on 
your credit worthiness and 
other factors.  

Promotional balances will 
remain at 3.9% until the 
January 2014 statement. 
After that, your APR will be 
5.7% to 14.7% based on your 
creditworthiness 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 
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 
/creditcard.  

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 transactions 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. 

PLATINUM 
PREFERRED RATE 
MASTERCARD 

AGREEMENT 
BILLING RIGHTS 

& 

CHARGE CARD 
DISCLOSURE 

IMPORTANT                        

KEEP THIS NOTICE 
FOR FURTHER USE 

MC008B R 07-07-11