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  CashBack  Rewards  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.  
AGREEMENT:  This  Agreement  governs  the  use  of  your  credit  card 
1. 
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: 
When  INTEREST  CHARGES  begin  to  Accrue.  The  INTEREST  CHARGE 
a. 
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 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  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 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 9.9% (Prime + 6.65%), 
you will accrue an INTEREST CHARGE at a rate of .8250% per month. If your APR is 
11.9% (Prime + 8.65%), you  will accrue an INTEREST CHARGE at a rate  of .9917% 
per  month.  If  your  APR  is  13.9%  (Prime  +  10.65%),  you  will  accrue  an  INTEREST 
CHARGE at a rate of 1.1583% per month. If your APR is 17.9% (Prime + 14.65%), you 
will accrue an INTEREST CHARGE at a rate of 1.4917% per month.  
OTHER CHARGES: Late Fee: If you do not pay your minimum payment 
5. 
within fifteen (15) days following your payment due date, you may be charged a late fee 
of up to $20. 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  and  Balance  Transfer  Fees:  We 
will assess a fee of 2% of the amount of the cash advance or balance transfer, with a 
maximum  fee  amount  of  $200.  We  add  this  fee  for  each  cash  advance  or  balance 
transfer.  You  take  a  cash  advance  if  you  use  a  cash  convenience  check;  get  money 
through an automated teller machine (ATM); or get money through home banking or a 
financial institution. You  also take  a cash  advance if you make a  wire  transfer;  buy a 
money  order  or  traveler’s  check.  If  you  take  a  cash  advance  by  using  an  automated 
teller machine, it is possible you will also be charged a fee by the owner or operator of 
the  machine.  Foreign  Transaction  Fee:  Up  to  1.1%  of  each  purchase  made  in  a 
foreign  currency,  outside  the  U.S.,  or  with  a  merchant  who  processes  the  purchase 
outside the U.S. 
6. 
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: 

LIABILITY FOR UNAUTHORIZED USE:  

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  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  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 
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, plus  1%. The conversion rate used 

INTERNATIONAL  TRANSACTIONS: 

If  you  effect  an 

may  differ  from  the  applicable  rate  on  the  date  the  transaction  occurred  or  when  the 
transaction is posted to your account. 
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.  
ACCELERATION:  In  the  event  that  you  are  in  default,  we  may  declare 
11. 
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. 
INFORMATION  REPORTED  TO 
13. 
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. 
ADDITIONAL PROVISIONS: Each  provision of this Agreement must  be 
15. 
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 

NOTIFICATION  ADDRESS  FOR 

dwelling),  collateral  securing  those  loans  may  also  secure  your  obligations  under  this 
Agreement. Please read  any security agreement you sign in  order  to determine if the 
collateral also secures your obligations under this Agreement and other agreements you 
have with us. 

Additionally,  you  specifically  grant  the  Credit  Union  a  lien  and  consensual 
security  interest  in  all  individual  and  joint  accounts,  present  and  future  shares 
and  deposits  held  in  any  accounts  you  have  with  us  now  and  in  the  future  to 
secure repayment of credit extensions made under this agreement. The granting 
of  this  security  interest  is  a  condition  for  the  issuance  of  any  card,  which  you 
may  use,  directly  or  indirectly,  to  obtain  extensions  of  credit  under  this 
agreement. This does not apply to shares in an Individual Retirement Account or 
Simplified  Employee  Plan  qualifying  as  such  under  the  Internal  Revenue  Code. 
You authorize the Credit Union to take money from any non-exempt account and 
apply it to what you owe, if you are in default. 

18. ILLEGAL CARD USE: You may not use your Card for any illegal transaction. You 
agree that we may decline to process any transaction which we believe in good faith to 
be for  an illegal purpose. You agree that we will not be liable for  declining to process 
any such transaction. If we do process any transaction which ultimately is determined to 
have been for an illegal purpose, you agree that you will remain liable to us under this 
Agreement  for  any  such  transaction  notwithstanding  its  illegal  nature.  You  agree  that 
any illegal use of the Card will be deemed an act of default under this Agreement. You 
further agree to waive any right to take legal action against us for your illegal use of the 
Card  and  to  indemnify  and  hold  us  and  MasterCard  Worldwide  harmless  from  and 
against any lawsuits, other legal action, or liability that results directly or indirectly from 
such illegal use. 
19. 
AGREEMENT AND ACKNOWLEDGMENT: You acknowledge and agree 
that  the  use  of  the  Card  by  you  or  anyone  authorized  by  you  shall  constitute  your 
acknowledgment that you have received and read this Agreement and that you agree to 
the terms and conditions and promise to perform all the obligations, requirements, and 
duties contained in this Agreement. Use of this card by you or anyone you authorize 
will  also  constitute  consent  to  the  pledge  of  shares  or  deposits  as  described 
above. 

MC028 R 12-09-13  

 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 
MasterCard® 
Credit Cards 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Platinum CashBack 
Rewards  
9.9% to 17.9% 
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. 
3.9% Introductory APR for 
balance transfers made during 
the first 180 days from the date 
of account opening. 
Promotional balances will 
remain at 3.9% APR for 12 full 
billing cycles. After that, your 
APR will be 9.9% to 17.9% 
based on your creditworthiness 
and other factors. This APR 
will vary with the market based 
on the Prime Rate. 
3.9% Introductory APR for 
cash advances made during 
the first 180 days from the date 
of account opening. 
Promotional balances will 
remain at 3.9% APR for 12 full 
billing cycles. After that, your 
APR will be 9.9% to 17.9% 
based on your creditworthiness 
and other factors. This APR 
will vary with the market based 
on the Prime Rate. 

Penalty APR and 
When it Applies 
Minimum 
Interest Charge 

None 

None 

How to Avoid 
Paying Interest 
on Purchases 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau 

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. 
To learn more about factors 
to consider when applying for 
or using a credit card, visit 
the website of the Consumer 
Financial Protection Bureau 
at 
http://www.consumerfinance.
gov/learnmore.  

None 

Fees 
Annual Fee 
Transaction Fees 
  Balance Transfer 
  Cash Advance 
  Foreign Transaction  Up to 1.1% 
Penalty Fees 
  Late Payment 
  Over the Credit 

Up to $20 

2% ($200 max) 

2% ($200 max) 

None 

Limit 

  Returned Payment  Up to $24 
Other Fees 

None 

How We Will Calculate Your Balance: We use a 
method called “average daily balance (including 
new purchases).” See the terms and conditions of 
your credit card agreement for more details.  

The information about the costs of the cards 
described in this application are accurate as of 
01/2014.This information may have changed after 
that date. To find out what may have changed, call 
us at 1-800-580-3300 or write to us at Randolph-
Brooks Federal Credit Union, P.O. Box 2097, 
Universal City, Texas 78148.

YOUR BILLING RIGHTS 
This  notice  contains  important  information  about  your  rights  and  our 
responsibilities  under  the  Fair  Credit Billing Act.  The  terms  "we,"  "us," and 
"our" refers to our card processor, FIS. 

NOTIFY US IN CASE OF ERRORS OR 
QUESTIONS ABOUT YOUR BILL 
If  you  think  your  bill  is  wrong,  or  if  you  need  more  information  about 
transactions on your bill, write FIS on a separate sheet at P.O. Box 30495, 
Tampa, Florida 33630. Write to us as soon as possible. We must hear from 
you no later than 60 days after we sent you the first bill on which the error or 
problem appeared. You can telephone us, but doing so will not preserve your 
rights. 
In your letter, give us the following information: 

 
 
 

Your name and account number 
The dollar amount of the suspected error. 
Describe the error and explain, if you can, why you believe there is 
an error. If you need more information, describe the items you are 
not sure about. 

If you have authorized us to pay your credit card bill automatically from your 
savings or checking account, you can stop the payment on any amount you 
think is wrong. To stop the payment your letter must reach us three business 
days before the automatic payment is scheduled to occur. 

YOUR RIGHTS AND OUR RESPONSIBILITIES 
AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected 
the error by then. Within 90 days, we must either correct the error or explain 
why we believe the bill was correct. 
After  we  receive  your  letter,  we  cannot  try  to  collect  any  amount  you 
question,  or  report  you  as  delinquent.  We  can  continue  to  bill  you  for  the 
amount  you  question,  including  interest  charges,  and  we  can  apply  any 
unpaid  amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned amount while we are investigating, but you are still obligated to 
pay the parts of your bill that are not in question. 
If we find that we made a mistake on your bill, you will not have to pay any 
interest  charges  related  to  any  questioned  amount.  If  we  didn't  make  a 
mistake, you may have to pay interest charges, and you will have to make up 
any missed payments on the questioned amount. In either case, we will send 
you a statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as 
delinquent. However, if our explanation does not satisfy you and you write to 
us within ten days telling us that you still refuse to pay, we must tell anyone 
we report you to that you have a question about your bill. And, we  
must tell you the name of anyone we reported you to. We must tell anyone 
we report you to that the matter has been settled between us when it finally 
is. 
If we don't follow these rules, we can't collect the first $50 of the questioned 
amount, even if your bill was correct. 

SPECIAL RULE FOR 
CREDIT CARD PURCHASES 
If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount  due  on  the  property  or  services.  There  are  two  limitations  on  this 
right:  (a)  You  must  have  made  the  purchase  in  your  home  state  or,  if  not 
within your home state, within 100 miles of your current mailing address; and 
(b) The purchase price must have been more than $50. 

These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services.

PLATINUM 
CASHBACK 
REWARDS 
MASTERCARD 

AGREEMENT 
BILLING RIGHTS 

& 

CHARGE CARD 
DISCLOSURE 

IMPORTANT 

KEEP THIS NOTICE 
FOR FURTHER USE 

MC028 R 12-09-13