b'CONTRATO PLAN DE CUENTAS ROTATIVAS\nEste Contrato de Plan de Cuentas Rotativas (en adelante Contrato) constituye el acuerdo entre usted como persona que\nacepta este contrato y a nombre de quien se emite la Tarjeta de Cr\xc3\xa9dito (en adelante Tarjetahabiente o Portador) y la Asociaci\xc3\xb3n de\nEmpleados del Estado Libre Asociado de Puerto Rico (en adelante AEELA) como entidad acreedora de su cuenta y emisora de su\nTarjeta de Cr\xc3\xa9dito. Mediante su firma, usted reconoce que ha recibido y le\xc3\xaddo este documento, y acepta las cl\xc3\xa1usulas,\nt\xc3\xa9rminos y condiciones que rigen el uso de la tarjeta de cr\xc3\xa9dito y su cuenta con AEELA, seg\xc3\xban se detallan a continuaci\xc3\xb3n:\n1. USO, COMPRAS Y ADELANTOS EN EFECTIVO - El uso del n\xc3\xbamero de cuenta de la Tarjeta de Cr\xc3\xa9dito MasterCard AEELA\n(en adelante Tarjeta) sin actualmente presentar la Tarjeta, constituye un uso de la Tarjeta. El Tarjetahabiente podr\xc3\xa1 usar la Tarjeta\npara comprar o alquilar mercanc\xc3\xadas y servicios, o para cualquier otro uso autorizado por AEELA de tiempo en tiempo, en cualquier\nestablecimiento donde se acepte la Tarjeta. El Tarjetahabiente entiende y est\xc3\xa1 de acuerdo que la Tarjeta no podr\xc3\xa1 ser utilizada para\nfines comerciales, corporativos ni ilegales. Sin embargo, siempre ser\xc3\xa1 responsable de cualquier transacci\xc3\xb3n que realice, aunque est\xc3\xa9\nen violaci\xc3\xb3n de ley o de este Contrato. El Tarjetahabiente podr\xc3\xa1 recibir adelantos en efectivo o realizar transferencias de balances,\nsujeto a los l\xc3\xadmites que de tiempo en tiempo fije AEELA y a la disponibilidad de fondos en su cuenta. Como medida de seguridad,\nAEELA puede limitar y bloquear el uso de la tarjeta en cualquier comercio, jurisdicci\xc3\xb3n, pa\xc3\xads y otros que se identifique que existe un\nalto riesgo de fraude. El Tarjetahabiente entiende que, el uso de la Tarjeta fuera de Puerto Rico ser\xc3\xa1 bloqueado y deber\xc3\xa1 notificar\ncuando vaya a efectuar un viaje para proveerle el acceso que necesite. La notificaci\xc3\xb3n la har\xc3\xa1 a la informaci\xc3\xb3n de contacto que\naparece al final de este Contrato o al correo electr\xc3\xb3nico informatuviaje@aeela.com. El Tarjetahabiente adeudar\xc3\xa1 a\nAEELA la suma cargada a su cuenta por el uso de la Tarjeta, m\xc3\xa1s cualquier Cargo por Financiamiento que se determine, la cual ser\xc3\xa1\npagadera en moneda del curso legal de los Estados Unidos de Am\xc3\xa9rica, en su totalidad o en plazos mensuales, de conformidad con las\ndisposiciones expuestas en este Contrato.\n2. L\xc3\x8dMITE DE CR\xc3\x89DITO - El l\xc3\xadmite de cr\xc3\xa9dito concedido por AEELA para la cuenta del Tarjetahabiente aparecer\xc3\xa1 en una\nnotificaci\xc3\xb3n que se le enviar\xc3\xa1 por correo, y sucesivamente en cada estado de cuenta. El Tarjetahabiente acuerda que AEELA podr\xc3\xa1\ncambiar el l\xc3\xadmite de cr\xc3\xa9dito de tiempo en tiempo a base de la evaluaci\xc3\xb3n del cr\xc3\xa9dito o por cualquier otro motivo legal o contractualmente\naplicable. AEELA se reserva el derecho de cancelar, cambiar o rescindir su disponibilidad de cr\xc3\xa9dito en cualquier momento, lo cual le ser\xc3\xa1\nnotificado en su estado de cuenta o en una comunicaci\xc3\xb3n por separado. Cuando una transacci\xc3\xb3n cause que el balance de su\ncuenta sobrepase el l\xc3\xadmite de cr\xc3\xa9dito, AEELA se reserva el derecho de aprobarla. En tal caso, el exceso del l\xc3\xadmite de cr\xc3\xa9dito\ndeber\xc3\xa1 ser pagado de inmediato por el Tarjetahabiente como parte de su pago m\xc3\xadnimo, el cual se le indicar\xc3\xa1 en el estado de\ncuenta. El Tarjetahabiente reconoce que el exceso aprobado no representa una solicitud de aumento del l\xc3\xadmite de cr\xc3\xa9dito, por lo\nque para cambiarlo, deber\xc3\xa1 solicitarlo por escrito a AEELA y la aprobaci\xc3\xb3n estar\xc3\xa1 sujeta a la evaluaci\xc3\xb3n del cr\xc3\xa9dito en ese momento.\n3. PAGO M\xc3\x8dNIMO \xe2\x80\x93 El Tarjetahabiente podr\xc3\xa1 pagar el nuevo balance que indique el estado de cuenta en su totalidad o en plazos\nmensuales. De efectuar el pago en plazos mensuales, el pago m\xc3\xadnimo se le indicar\xc3\xa1 en el estado de cuenta, seg\xc3\xban el balance de la\nTarjeta, de la manera siguiente:\nNUEVO BALANCE\nDesde\t\t\n$0.01\t\t\t\n$25.01\t\t\t\n$500.00\t\t\n$1,200.00\n$3,000.00\t\t\n$5,000.00\t\t\n\nHasta\n$25.00\n$499.99\t\t\n$1,199.99\n$2,999.99\n$4,999.99\nL\xc3\xadmite de Cr\xc3\xa9dito\nDisponible\n\nPago M\xc3\xadnimo Mensual\nEl Nuevo Balance\n$25.00\n1/36 parte del nuevo balance\n1/40 parte del nuevo balance\n1/48 parte del nuevo balance\n1/60 parte del nuevo balance\n\nEl pago m\xc3\xadnimo puede incluir cualquier cantidad vencida, el total de la cantidad utilizada en exceso del l\xc3\xadmite de cr\xc3\xa9dito\nautorizado y cualquier cargo por mora.\n4. APLICACI\xc3\x93N DE LOS PAGOS \xe2\x80\x93 El Tarjetahabiente podr\xc3\xa1 pagar el balance total o cualquier parte de \xc3\xa9ste, mayor que el pago\nm\xc3\xadnimo mensual requerido, en o antes de la fecha de pago notificada en el estado de cuenta. Si el Tarjetahabiente pagara el pago\nm\xc3\xadnimo requerido en el estado de cuenta, dicho pago ser\xc3\xa1 aplicado primero a los cargos por financiamiento y el remante se aplicar\xc3\xa1\nproporcionalmente al balance del principal adeudado por concepto de \xe2\x80\x9cmercanc\xc3\xadas y servicios\xe2\x80\x9d, \xe2\x80\x9cadelantos en efectivos\xe2\x80\x9d y \xe2\x80\x9ctransferencias\nde balances\xe2\x80\x9d. Si el Tarjetahabiente efect\xc3\xbaa un pago en exceso del \xe2\x80\x9cpago m\xc3\xadnimo\xe2\x80\x9d requerido, el exceso se aplicar\xc3\xa1 primero al balance con\nla tasa peri\xc3\xb3dica m\xc3\xa1s alta y el remanente se aplicar\xc3\xa1 a los balances con la tasa peri\xc3\xb3dica menor en orden descendente.\n5. ESTADO DE CUENTA - Mensualmente AEELA le enviar\xc3\xa1 al Tarjetahabiente un estado de cuenta a la direcci\xc3\xb3n registrada en\nsistema, mientras haya transacciones o un balance adeudado durante el per\xc3\xadodo de facturaci\xc3\xb3n. \xc3\x89ste le indicar\xc3\xa1, seg\xc3\xban aplique, lo\nsiguiente: balance anterior, pagos y cr\xc3\xa9ditos, d\xc3\xa9bitos, compras de mercanc\xc3\xada y servicios, adelantos en efectivo, transferencia de\nbalance efectuadas durante el per\xc3\xadodo en cuesti\xc3\xb3n, el cargo por financiamiento, la tasa de porcentaje expresada mensual y\nanualmente, el balance nuevo, el pago m\xc3\xadnimo, la fecha en que vencer\xc3\xa1 el pago, informaci\xc3\xb3n que indica cu\xc3\xa1nto tiempo le tomar\xc3\xa1\nsaldar el balance adeudado si s\xc3\xb3lo efect\xc3\xbaa el pago m\xc3\xadnimo requerido mensualmente, informaci\xc3\xb3n que indica cu\xc3\xa1l ser\xc3\xada el pago m\xc3\xadnimo\nAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nP\xc3\xa1gina 1 de 6\n\n\x0crequerido para saldar el monto adeudado en 3 a\xc3\xb1os, as\xc3\xad como un desglose de los intereses y los cargos mensuales y acumulados,\ndesde el comienzo del a\xc3\xb1o en curso hasta la fecha de facturaci\xc3\xb3n y cualquier otra informaci\xc3\xb3n que por ley o reglamento se nos requiera\no entendamos necesaria incluir.\n6. CUENTAS CONJUNTAS \xe2\x80\x93 Titulares de cuentas conjuntas ser\xc3\xa1n solidariamente responsables por el total de la cantidad adeudada en\nla cuenta. AEELA podr\xc3\xa1 requerir la comparecencia y firma de todos los tarjetahabientes para procesar ciertas instrucciones o solicitudes\nque incluyen, pero no se limitan a (1) solicitud de aumento o reducci\xc3\xb3n de l\xc3\xadnea de cr\xc3\xa9dito, (2) emisi\xc3\xb3n de tarjetas adicionales, y (3)\ncambio de direcci\xc3\xb3n a la cual se env\xc3\xada el estado de cuenta.\n7. DERECHOS DE FACTURACI\xc3\x93N\nEste aviso le informa sobre sus derechos y nuestras responsabilidades bajo el Fair Credit Billing Act.\n\xc2\xbfQu\xc3\xa9 hacer si encuentra un error en su estado de cuenta?\nSi entiende que existe un error en su estado de cuenta, escr\xc3\xadbanos a la direcci\xc3\xb3n que aparece al finalizar este Contrato. En su carta\ndebe incluir la informaci\xc3\xb3n siguiente:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nInformaci\xc3\xb3n de la cuenta: Su nombre y n\xc3\xbamero de cuenta.\nCantidad en d\xc3\xb3lares: La cantidad en d\xc3\xb3lares del error que usted entiende fue cometido.\nDescripci\xc3\xb3n del problema: Si entiende que existe un error en su estado de cuenta, describa lo que considera que est\xc3\xa1 incorrecto\ny por qu\xc3\xa9 piensa que existe un error.\n\nUsted deber\xc3\xa1 comunicarse con nosotros:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nDentro de los 60 d\xc3\xadas despu\xc3\xa9s de que el error haya aparecido en su estado de cuenta.\nPor lo menos 3 d\xc3\xadas laborables antes de programar un pago autom\xc3\xa1tico si quiere detener el pago de la cantidad que\nestima incorrecta.\n\nDebe notificarnos por escrito cualquier posible error. Puede llamarnos, pero si lo hace no estaremos requeridos a investigar cualquier\nposible error y puede que usted tenga que pagar la cantidad en controversia.\n\xc2\xbfQu\xc3\xa9 sucede despu\xc3\xa9s que recibimos su carta?\nCuando recibimos su carta, deberemos hacer dos cosas:\n1.\n2.\n\nDentro de los 30 d\xc3\xadas de recibir su carta, debemos informarle que hemos recibido la carta. Tambi\xc3\xa9n le informaremos si hemos\ncorregido el error.\nDentro de los 90 d\xc3\xadas de recibir su carta, debemos corregir el error o explicarle por qu\xc3\xa9 entendemos que la factura est\xc3\xa1 correcta.\n\nMientras investigamos si existe o no un error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nNo podemos tratar de cobrarle la cantidad en cuesti\xc3\xb3n ni reportarlo como delincuente de dicha cantidad.\nEl cargo en cuesti\xc3\xb3n puede permanecer en su estado de cuenta, y podemos continuar cobr\xc3\xa1ndole intereses por esa cantidad.\nAunque usted no tiene que pagar la cantidad en cuesti\xc3\xb3n, s\xc3\xad es responsable por el resto del balance.\nPodemos aplicar cualquier cantidad no pagada contra su l\xc3\xadmite de cr\xc3\xa9dito.\n\nDespu\xc3\xa9s de concluida nuestra investigaci\xc3\xb3n, una de dos cosas suceder\xc3\xa1:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nSi cometimos un error: Usted no tendr\xc3\xa1 que pagar la cantidad en cuesti\xc3\xb3n, ni los intereses ni otros cargos relacionados con\ndicha cantidad.\nSi entendemos que no cometimos un error: Usted tendr\xc3\xa1 que pagar la cantidad en cuesti\xc3\xb3n, as\xc3\xad como los intereses y cargos\naplicables. Le enviaremos un estado de cuenta que incluya la cantidad adeudada por usted y la fecha de vencimiento del pago.\nSi usted no paga la cantidad que nosotros entendemos que usted debe, entonces podemos reportarlo como delincuente.\n\nSi recibe nuestra explicaci\xc3\xb3n, pero aun as\xc3\xad considera que nuestra factura est\xc3\xa1 incorrecta, debe escribirnos dentro de 10 d\xc3\xadas\ninform\xc3\xa1ndonos que todav\xc3\xada se reh\xc3\xbasa a pagar. Si lo hace, no podemos reportarlo como delincuente sin informar, adem\xc3\xa1s, que usted\ncuestiona su factura. Debemos indicarle el nombre de cualquiera a quien hayamos informado que usted est\xc3\xa1 delincuente y debemos\ndarle a conocer a dichas organizaciones cuando la situaci\xc3\xb3n se resuelva entre nosotros.\nSi no seguimos todas las reglas establecidas previamente, usted no tiene que pagar los primeros $50 de la cantidad que cuestion\xc3\xb3,\nincluso si su factura est\xc3\xa1 correcta.\nSus derechos si no est\xc3\xa1 satisfecho con las compras realizadas con su tarjeta de cr\xc3\xa9dito\nSi usted no est\xc3\xa1 satisfecho con la mercanc\xc3\xada o servicios comprados con su tarjeta de cr\xc3\xa9dito, y ha tratado de buena fe de solucionar el\nproblema con el comerciante, puede que usted tenga derecho a no pagar el resto de la cantidad adeudada de la compra.\nAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nP\xc3\xa1gina 2 de 6\n\n\x0cPara ejercer este derecho, todo lo siguiente debe ser cierto:\n1.\n\n2.\n3.\n\nLa compra debe haberse realizado en el estado (territorio) de su residencia o dentro de las 100 millas de su direcci\xc3\xb3n\npostal actual, y el precio de la compra debe haber sido mayor a $50. (Nota: Ninguna de estas dos condiciones son necesarias\nsi su compra se bas\xc3\xb3 en una promoci\xc3\xb3n que le enviamos por correo o si somos propietarios de la compa\xc3\xb1\xc3\xada que le vendi\xc3\xb3 los\nbienes o los servicios.)\nUsted tiene que haber utilizado su tarjeta de cr\xc3\xa9dito para efectuar la compra. Las compras realizadas con adelantos de\nefectivo de un cajero autom\xc3\xa1tico (ATM) o con un cheque con acceso a su cuenta de tarjeta de cr\xc3\xa9dito no califican.\nNo debe haber pagado a\xc3\xban la compra en su totalidad.\n\nSi todos los criterios antes mencionados se cumplen y aun as\xc3\xad usted no est\xc3\xa1 satisfecho con la compra, escr\xc3\xadbanos a la direcci\xc3\xb3n que\naparece al finalizar este Contrato.\nMientras investigamos, aplican las reglas mencionadas anteriormente. Luego de concluida nuestra investigaci\xc3\xb3n, le informaremos\nnuestra decisi\xc3\xb3n. En ese momento, si pensamos que usted debe una cantidad y no la paga, podemos reportarlo como delincuente.\n8. REEMBOLSOS \xe2\x80\x93 En caso de devoluciones o ajustes de mercanc\xc3\xadas y/o servicios, el Tarjetahabiente aceptar\xc3\xa1 que se efect\xc3\xbaen\ncr\xc3\xa9ditos a su cuenta en lugar de reembolsos en efectivo. Cuando la cuenta tenga un balance cr\xc3\xa9dito, el Tarjetahabiente puede solicitar un\nreembolso en cualquier momento. Si no solicita el reembolso, AEELA aplicar\xc3\xa1 el cr\xc3\xa9dito a las transacciones nuevas. El Tarjetahabiente\nreconoce que AEELA no pagar\xc3\xa1 intereses a cuentas en balance cr\xc3\xa9dito.\n9. DENEGACI\xc3\x93N DE LA TARJETA \xe2\x80\x93 AEELA no ser\xc3\xa1 responsable si una compra, adelanto en efectivo o transferencia de balance\nno es autorizada por AEELA a un tercero; aun cuando el Tarjetahabiente tenga cr\xc3\xa9dito disponible. AEELA podr\xc3\xa1 limitar el n\xc3\xbamero de\ncompras, adelantos en efectivos y transferencias de balances aprobados durante un d\xc3\xada, por seguridad u otras razones. Si AEELA\ndetecta actividad poco usual o sospechosa en su cuenta, podr\xc3\xa1 suspender temporalmente su cr\xc3\xa9dito o cambiar el n\xc3\xbamero de cuenta\nhasta que se verifique la legitimidad de la transacci\xc3\xb3n. El Tarjetahabiente reconoce y acepta que AEELA no tendr\xc3\xa1 responsabilidad ni\nobligaci\xc3\xb3n alguna por la denegaci\xc3\xb3n de una transacci\xc3\xb3n o por las comunicaciones, actos y omisiones de los establecimientos,\nincluyendo su negativa a aceptar la Tarjeta. Tampoco somos responsables de las transacciones recurrentes programadas a favor de\nterceros si su cuenta se cierra, se suspende, cambia el n\xc3\xbamero de cuenta o fecha de expiraci\xc3\xb3n. El Tarjetahabiente debe comunicarse\ncon el tercero para notificar el cambio relacionado a la cuenta.\n10. TARJETAS EXTRAVIADAS, PERDIDAS O HURTADAS - Si la Tarjeta se extraviara o fuera robada o el Tarjetahabiente sospecha\nque alguien puede hacer uso de \xc3\xa9sta o de su n\xc3\xbamero de cuenta sin su autorizaci\xc3\xb3n, deber\xc3\xa1 notificar inmediatamente a AEELA a la\ndirecci\xc3\xb3n que aparece al final del Contrato o por tel\xc3\xa9fono al (787) 641-4432 o fuera de horas laborables al (787) 751-0786. Si la Tarjeta\nfuese utilizada por una persona no autorizada, el Tarjetahabiente podr\xc3\xa1 ser responsable hasta una cantidad que no exceder\xc3\xa1 de $50\npor transacciones que ocurran antes de que notifique a AEELA. El Tarjetahabiente no ser\xc3\xa1 responsable de las transacciones por uso no\nautorizado despu\xc3\xa9s de notificar a AEELA.\n11. CANCELACI\xc3\x93N \xe2\x80\x93 La Tarjeta es propiedad de AEELA, la que tendr\xc3\xa1 derecho, sin previo aviso y sin responsabilidad alguna, a revocar\nla misma, as\xc3\xad como los privilegios que ella conlleva en cualquier momento y el Tarjetahabiente se obliga al serle requerido a entregar a\nAEELA cualquier Tarjeta emitida, destruida. En caso de que el Tarjetahabiente radique una petici\xc3\xb3n de quiebra, se separe del servicio\np\xc3\xbablico y deje de ser socio de AEELA, se compromete a devolver la Tarjeta a AEELA, destruida. La revocaci\xc3\xb3n o terminaci\xc3\xb3n de este\nContrato no afectar\xc3\xa1 las obligaciones existentes al momento de la terminaci\xc3\xb3n. El Tarjetahabiente continuar\xc3\xa1 siendo responsable por el\npago de cualquier balance adeudado al momento de la cancelaci\xc3\xb3n.\n12. VENCIMIENTO ACELERADO - AEELA, a su opci\xc3\xb3n, podr\xc3\xa1 declarar el balance total de la cuenta vencido y pagadero\ninmediatamente de ocurrir cualquiera de las condiciones siguientes:\nA. Cuando el Tarjetahabiente falte en el pago de tres plazos consecutivos.\nB. Cuando el Tarjetahabiente falte en el pago de uno o m\xc3\xa1s plazos vencidos, si en dos o m\xc3\xa1s ocasiones anteriores hab\xc3\xada dejado de pagar\ndos o m\xc3\xa1s plazos consecutivos y en dichas ocasiones se hab\xc3\xada rehabilitado totalmente en el pago de los plazos vencidos.\nC. Cuando el Tarjetahabiente despu\xc3\xa9s de haber dejado de pagar uno o m\xc3\xa1s plazos consecutivos presenta un pago parcial de la suma\nvencida y despu\xc3\xa9s de efectuar ese pago parcial, contin\xc3\xbaa pagando los plazos futuros a su vencimiento, pero contin\xc3\xbaa en mora con\nrespecto al remanente de la suma vencida, durante tres plazos consecutivos posteriormente a la fecha en que efectu\xc3\xb3 el pago parcial.\nD. Cuando el Tarjetahabiente confiese por escrito que no puede pagar sus deudas seg\xc3\xban vencen.\nE. El Tarjetahabiente acepta que AEELA descuente de la cuenta del socio cualquier cantidad adeudada por concepto de la tarjeta de\ncr\xc3\xa9dito cuando el socio incumpla los t\xc3\xa9rminos y condiciones del servicio.\nEn caso de cobro por la v\xc3\xada judicial, el Tarjetahabiente se someter\xc3\xa1 a la jurisdicci\xc3\xb3n y competencia del tribunal de primera instancia\ncorrespondiente. Asimismo, se compromete a pagar las costas del proceso.\n13. CONVERSI\xc3\x93N DE CR\xc3\x89DITO ROTATIVO ABIERTO A PR\xc3\x89STAMO REGULAR \xe2\x80\x93 El Tarjetahabiente acepta y conviene que, en caso\nde cancelaci\xc3\xb3n o revocaci\xc3\xb3n de la tarjeta de cr\xc3\xa9dito por cualquier causa, AEELA podr\xc3\xa1, a su discreci\xc3\xb3n, convertir el balance adeudado\nAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nP\xc3\xa1gina 3 de 6\n\n\x0cde su Tarjeta a un pr\xc3\xa9stamo regular a t\xc3\xa9rmino fijo. Al momento de la conversi\xc3\xb3n se transferir\xc3\xa1 el balance total adeudado, incluyendo los\ncargos por financiamiento adeudados. El balance as\xc3\xad transferido estar\xc3\xa1 sujeto a un tipo de inter\xc3\xa9s que no ser\xc3\xa1 mayor que los pagos por\nfinanciamiento que se cobran en el plan de cuentas rotativas. El Tarjetahabiente acepta y conviene que de tener una deuda en atraso\nde su tarjeta de cr\xc3\xa9dito y \xc3\xa9ste solicita un pr\xc3\xa9stamo regular, AEELA podr\xc3\xa1 cobrar total o parcialmente el balance adeudado, incluyendo los\ncargos por financiamiento de dicho pr\xc3\xa9stamo. Si el margen prestatario del Tarjetahabiente es menor al balance adeudado, el pr\xc3\xa9stamo\nse podr\xc3\xa1 procesar por la cantidad m\xc3\xa1xima en el margen prestatario y la diferencia, a discreci\xc3\xb3n de AEELA: (1) podr\xc3\xa1 distribuirse en un\nplan de pagos hasta saldar el monto de la diferencia o (2) podr\xc3\xa1 reclamarse por la v\xc3\xada judicial o cualquier otro medio legal que se estime\nnecesario.\n\xe2\x80\x9cGRAVAMEN ESTATUTARIO: Por la presente el Tarjetahabiente reconoce que existe un gravamen estatutario sobre el fondo acumulado\nde sus aportaciones y dividendos, incluyendo los futuros, que responder\xc3\xa1n a AEELA por el balance adeudado cuando se incumplen los\nt\xc3\xa9rminos y condiciones de pago.\xe2\x80\x9d\n14. CARGOS POR FINANCIAMIENTO \xe2\x80\x93 Los cargos por financiamiento se computar\xc3\xa1n sobre el balance de principal solamente. El\nTarjetahabiente pagar\xc3\xa1 un Cargo por Financiamiento mensual sobre el balance de su cuenta durante el per\xc3\xadodo de facturaci\xc3\xb3n, conforme\na lo siguiente:\nA. LOS CARGOS POR FINANCIAMIENTO por mercanc\xc3\xadas y servicios se determinan multiplicando el balance diario promedio\npendiente de pago durante el per\xc3\xadodo comprendido en el estado de cuenta por una TASA PERI\xc3\x93DICA de 1.0833% por mes,\nequivalente a una TASA DE PORCENTAJE ANUAL (APR) DE 13.00%. Los cargos por financiamiento respecto a mercanc\xc3\xada y\nservicios ser\xc3\xa1n computados a partir de la fecha en que AEELA desembolse el dinero al que vende la mercanc\xc3\xada o preste los servicios.\nNo habr\xc3\xa1n cargos por financiamiento en mercanc\xc3\xadas y servicios para los per\xc3\xadodos de facturaci\xc3\xb3n en que no exista un balance previo, los\npagos y cr\xc3\xa9ditos sean iguales o excedan el total del balance nuevo y se reciban en o antes de la fecha de pago establecida en el estado\nde cuenta.\nB. LOS CARGOS POR FINANCIAMIENTO por adelantos en efectivo se determinan multiplicando el balance diario promedio pendiente\nde pago durante el per\xc3\xadodo comprendido en el estado de cuenta por una TASA PERI\xc3\x93DICA DIARIA de .9083% equivalente a una TASA\nDE PORCENTAJE ANUAL (APR) de 10.90%. En el caso de Transferencias de Balances la TASA PERI\xc3\x93DICA es de .6583% por\nmes, equivalente a una TASA DE PORCENTAJE ANUAL (APR) de 7.90%. El cargo por financiamiento respecto a los adelantos en\nefectivo y transferencias de balance se computar\xc3\xa1n desde la fecha en que el Tarjetahabiente y/o las personas autorizadas por \xc3\xa9ste\nreciban dichos adelantos hasta su pago total.\nC. LOS CARGOS POR FINANCIAMIENTO podr\xc3\xa1n variar de tiempo en tiempo, de acuerdo a los cambios en las leyes y/o reglamentos\naplicables o por ofertas promocionales. Dichos cambios y su fecha de efectividad le ser\xc3\xa1n notificados al Tarjetahabiente por escrito,\nconforme a lo descrito en este Contrato.\nD. A tenor con las leyes o reglamentos aplicables, cualquier variaci\xc3\xb3n debidamente notificada en el cargo por financiamiento aplicar\xc3\xa1 a\nlos balances existentes a la fecha de efectividad del cambio, as\xc3\xad como a las transacciones nuevas incluidas en el per\xc3\xadodo de facturaci\xc3\xb3n.\nE. Los cargos por financiamiento se computar\xc3\xa1n mediante el m\xc3\xa9todo de balance diario promedio. Para obtener el balance diario\npromedio tomamos el balance inicial de su cuenta todos los d\xc3\xadas, agregamos todas las compras nuevas, adelantos en efectivo o\nd\xc3\xa9bitos miscel\xc3\xa1neos y restamos a \xc3\xa9stos cualquier pago o cr\xc3\xa9dito recibido o abonado durante el d\xc3\xada. Luego, sumamos todos los balances\nadeudados de cada d\xc3\xada comprendido en el estado de cuenta y dividimos el total por el n\xc3\xbamero de d\xc3\xadas en el per\xc3\xadodo de facturaci\xc3\xb3n. Esto\nnos da el balance diario promedio.\n15. TASA PROMOCIONAL \xe2\x80\x93 Si el Tarjetahabiente se acoge a una tasa promocional (Tasa de Porcentaje Anual \xe2\x80\x9cAPR\xe2\x80\x9d aplicable a los\nbalances existentes, a nuevas compras de mercanc\xc3\xadas y servicios, transferencias de balance y adelantos de efectivo cargados a la\ncuenta) la misma estar\xc3\xa1 vigente durante el t\xc3\xa9rmino especificado en la oferta realizada por AEELA.\n16. CUOTA ANUAL \xe2\x80\x93 Las tarjetas de cr\xc3\xa9dito emitidas por AEELA no conllevan cargos de cuota anual.\n17. OTROS CARGOS\nA. Cargos por Mora \xe2\x80\x93 Se a\xc3\xb1adir\xc3\xa1 un cargo de $0.01 a $10.00 al balance existente de compras por cada per\xc3\xadodo de facturaci\xc3\xb3n en que\nel Tarjetahabiente no efect\xc3\xbae el pago m\xc3\xadnimo a la fecha de vencimiento, seg\xc3\xban se establezca en el estado de cuenta. En ning\xc3\xban caso, el\ncargo por mora sobrepasar\xc3\xa1 la cantidad del pago m\xc3\xadnimo vencido.\nB. Cargos por Cheque o Pago Devuelto \xe2\x80\x93 Se a\xc3\xb1adir\xc3\xa1 un cargo de hasta $10.00 al balance existente de compras por cada pago\nrealizado a su Tarjeta que sea devuelto por fondos insuficientes, no disponibles o no cobrados o por cualquier otra raz\xc3\xb3n por la cual el\npago no pueda ser procesado. En ning\xc3\xban caso, el cargo por cheque o pago devuelto sobrepasar\xc3\xa1 la cantidad del pago m\xc3\xadnimo vencido.\nC. Cargos por Conversi\xc3\xb3n de Moneda \xe2\x80\x93 Las tarjetas de cr\xc3\xa9ditos emitidas por AEELA no conllevan cargos por conversi\xc3\xb3n de moneda.\n18. ENMIENDAS \xe2\x80\x93 Los t\xc3\xa9rminos y condiciones incluidos en este Contrato pueden cambiar en cualquier momento, de conformidad a\nlas leyes y reglamentos aplicables, por condiciones de mercado, estrategias operacionales o por cualquier otra raz\xc3\xb3n que entendamos\nnecesaria. De ocurrir alg\xc3\xban cambio, los mismos ser\xc3\xa1n notificados dentro de los t\xc3\xa9rminos requeridos por ley o reglamento mediante aviso\nescrito al Tarjetahabiente con no menos de 45 d\xc3\xadas de antelaci\xc3\xb3n a la fecha de efectividad. En el caso de que las enmiendas no est\xc3\xa9n\nAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nP\xc3\xa1gina 4 de 6\n\n\x0cAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nreguladas en alguna ley o reglamento, le informaremos mediante aviso por escrito con por lo menos 15 d\xc3\xadas de antelaci\xc3\xb3n a la fecha de\nefectividad. Si el Tarjetahabiente no estuviera de acuerdo con las enmiendas notificadas y desea dar por terminado el Contrato, deber\xc3\xa1\nnotificarlo antes de la fecha de efectividad de la modificaci\xc3\xb3n mediante: (a) la devoluci\xc3\xb3n de la Tarjeta destruida y (b) la notificaci\xc3\xb3n\npor escrito a AEELA de su decisi\xc3\xb3n. La falta de notificaci\xc3\xb3n por parte del Tarjetahabiente a AEELA o el uso de la Tarjeta, ya sea por\nel Tarjetahabiente o por cualquier otra persona autorizada, constituir\xc3\xa1n una aceptaci\xc3\xb3n por parte del Tarjetahabiente de los t\xc3\xa9rminos y\ncondiciones as\xc3\xad enmendados.\n19. DESACUERDOS \xe2\x80\x93 El Tarjetahabiente no est\xc3\xa1 obligado a aceptar la Tarjeta ni ser\xc3\xa1 responsable de cargo alguno a menos que\nelija aceptarla mediante el uso. Si el Tarjetahabiente no est\xc3\xa1 de acuerdo con alguna cl\xc3\xa1usula del Contrato y recibe su Tarjeta\npor primera vez, tiene 15 d\xc3\xadas luego de haber recibido el Contrato sin haberla utilizado para devolverla destruida y notificar a\nAEELA de su decisi\xc3\xb3n. La falta de notificaci\xc3\xb3n por parte del Tarjetahabiente a AEELA o el uso de la Tarjeta, ya sea por el\nTarjetahabiente o por cualquier otra persona autorizada por \xc3\xa9ste, constituir\xc3\xa1 una aceptaci\xc3\xb3n por parte del Tarjetahabiente de los t\xc3\xa9rminos\ny condiciones divulgados bajo este Contrato.\n20. DISPOSICIONES MISCEL\xc3\x81NEAS\nA. AEELA queda autorizada por el Tarjetahabiente a investigar las referencias de cr\xc3\xa9dito del Tarjetahabiente y se reserva el derecho\nde expedir o no expedir, renovar o no renovar la Tarjeta, dependiendo de la capacidad de pago y de las referencias de cr\xc3\xa9dito del\nTarjetahabiente.\nB. El Tarjetahabiente podr\xc3\xa1 solicitar tarjetas adicionales bajo el mismo n\xc3\xbamero de su cuenta para ser utilizada por aquellas otras\npersonas a quienes designe o podr\xc3\xa1 dar la Tarjeta o su n\xc3\xbamero de tarjeta a cualquier otra persona. En estos casos, el\nTarjetahabiente es responsable del pago total de todas las compras y los adelantos en efectivo que se efect\xc3\xbaen mediante el uso de su\ncuenta y de los cargos por financiamiento que se generen. Si el Tarjetahabiente desea revocar a una persona autorizada, deber\xc3\xa1 notificarnos\ncomunic\xc3\xa1ndose con servicio al cliente.\nC. La omisi\xc3\xb3n por parte de AEELA de ejercitar cualquier derecho bajo este Contrato no constituir\xc3\xa1 una renuncia a dicho derecho.\nD. Si alguna cl\xc3\xa1usula o parte de una cl\xc3\xa1usula de este Contrato fuese declarada nula por un tribunal o dejase de tener efecto por\ndisposici\xc3\xb3n legal o reglamentaria, las restantes disposiciones de este Contrato no se afectar\xc3\xa1n y continuar\xc3\xa1n vigentes.\nE. Este Contrato se regir\xc3\xa1 e interpretar\xc3\xa1 bajo las leyes y los reglamentos del Estado Libre Asociado de Puerto Rico y las leyes y los\nreglamentos federales aplicables.\nF. El Tarjetahabiente recibir\xc3\xa1 un n\xc3\xbamero secreto de 4 d\xc3\xadgitos por correo, el cual le permitir\xc3\xa1 tener acceso a adelantos de efectivo contra\nsu cuenta a trav\xc3\xa9s de cajeros autom\xc3\xa1ticos. El Tarjetahabiente se obliga y compromete a mantener de forma confidencial dicho n\xc3\xbamero\npara as\xc3\xad evitar el uso de la Tarjeta por parte de personas no autorizadas.\nG. El Tarjetahabiente es responsable de notificar a AEELA cualquier cambio de direcci\xc3\xb3n f\xc3\xadsica y/o postal.\n21. AVISO AL TARJETAHABIENTE \xe2\x80\x93 No firme este Contrato sin leerlo o si el mismo contiene espacios en blancos. Usted tiene\nderecho a una copia del mismo. Mediante su firma, usted reconoce que ley\xc3\xb3, entiende y acepta los t\xc3\xa9rminos y condiciones de este\nContrato. Usted acepta pagarnos todas las transacciones que se registren en su cuenta, as\xc3\xad como los cargos por financiamiento y los otros\ncargos seg\xc3\xban se disponen en este Contrato. Usted acuerda liberar e indemnizar a AEELA de toda responsabilidad por da\xc3\xb1os,\np\xc3\xa9rdidas o gastos que surjan como resultado de cualquier acci\xc3\xb3n que realice AEELA en cumplimiento con sus instrucciones.\n\t\t\t\n\nTarjetahabiente \t\t\t\t\t\n\nTarjetahabiente\n\nNombre:\n\n_______________________________________\t\t\n\n_______________________________________\n\nFirma:\n\n_______________________________________\t\t\n\n_______________________________________\n\nFecha:\n\n_______________________________________\t\t\n\n_______________________________________\n\nDirecci\xc3\xb3n:\n\n_______________________________________\t\t\n\n_______________________________________\n\n\t\t\n\n_______________________________________\t\t\n\n_______________________________________\n\nASOCIACI\xc3\x93N DE EMPLEADOS DEL\nESTADO LIBRE ASOCIADO DE PUERTO RICO\nAEELA MASTERCARD\nPO BOX 70290\nSAN JUAN, PUERTO RICO 00936-8290\n(787) 641-4432 o (787) 641-2021 Ext. 2040\n\nFirma autorizada AEELA _____________________________________\nP\xc3\xa1gina 5 de 6\n\n\x0cRESUMEN DE LOS CARGOS\n\nTASA DE INTER\xc3\x89S Y CARGOS POR INTERESES\nTasa de Porcentaje Anual (APR) en Compras\n\n13.00%\n\nAPR para Transferencias de Balance\n\n6.90% APR introductorio por dos a\xc3\xb1os a partir de la fecha de\nla transferencia. Al expirar la oferta , aplicar\xc3\xa1 un APR de 7.90%\nhasta el saldo del balance transferido.\n\nAPR para Adelantos en Efectivo\n\n10.90%\n\nPago de Intereses\n\nSu fecha de vencimiento es al menos 25 d\xc3\xadas despu\xc3\xa9s del cierre\nde cada ciclo de facturaci\xc3\xb3n para compras de mercanc\xc3\xada y\nservicios. No le cobraremos inter\xc3\xa9s alguno en compras. si\npaga el saldo completo en o antes de la fecha de vencimiento\nde cada mes. Los adelantos en efectivo y las transferencias de\nbalances no tienen per\xc3\xadodo de gracia, por lo que comenzar\xc3\xa1n a\nacumular intereses desde la fecha de la transacci\xc3\xb3n.\n\nPara consejos del \xe2\x80\x9cConsumer Financial\nProtection Bureau\xe2\x80\x9d relacionados a Tarjetas de\nCr\xc3\xa9dito\n\nPara conocer m\xc3\xa1s acerca de los factores\na considerar cuando solicita o utiliza una\ntarjeta de cr\xc3\xa9dito, visite la p\xc3\xa1gina de internet\ndel \xe2\x80\x9cConsumer Financial Protection Bureau\xe2\x80\x9d en\nhttp://www.consumerfinance.gov/learnmore.\n\nCARGOS\n\nCuota Anual\nCargos por Transacciones\n\n$0 Cuota Anual\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nTransferencias de Balance\nAdelantos en Efectivo\n\nTransferencias de balance y/o Adelantos de efectivo: $0\n\n\xe2\x80\xa2\n\nConversi\xc3\xb3n de Moneda\n\nConversi\xc3\xb3n de Monedas: 0% del monto de la transacci\xc3\xb3n\nefectuada en moneda extranjera\n\nCargos por Penalidad\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nCargo por Mora\nCargo por Cheque o Pago Devuelto\n\nHasta un m\xc3\xa1ximo de $10\nHasta un m\xc3\xa1ximo de $10\n\nC\xc3\xb3mo calculamos su balance: Utilizamos el m\xc3\xa9todo llamado \xe2\x80\x9cbalance diario promedio (incluyendo compras nuevas)\xe2\x80\x9d. Refierase\na su Contrato de Plan de Cuentas Rotativas para m\xc3\xa1s detalles.\nDerechos de facturaci\xc3\xb3n: Informaci\xc3\xb3n sobre c\xc3\xb3mo ejercer su derecho a disputar transacciones se incluye en el Contrato de\nPlan de Cuentas Rotativas.\n\nAEELA - 147.1 pdf\n5 - 2019 (Rev.)\n\nP\xc3\xa1gina 6 de 6\n\n\x0c'


b'BBOK VISA PLATINUM\nCARDHOLDER AGREEMENT\nEffective May 1, 2021\n1. In this agreement \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to the customer\nand means each person who has signed an application for\na Bankers\xe2\x80\x99 Bank of Kansas, (BBOK) account, whether as an\nindividual user or as a joint user. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d also refer to\nthe customer who has signed a BBOK card or a VISA sales draft\nor cash advance request as an authorized signer. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d,\n\xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d refer to Bankers\xe2\x80\x99 Bank of Kansas, P.O. Box\n20810, Wichita, KS 67208-6810. \xe2\x80\x9cCard\xe2\x80\x9d means any VISA Card(s)\nissued to you by us, or other single credit device being used\nfrom time to time upon presentation to obtain money, property\nor services on credit; \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit\nby using your account number without using the Card. If more\nthan one person has signed the application for an account, this\nagreement applies equally to each authorized signer.\n2. You agree that this agreement is entered into at Wichita,\nSedgwick County, Kansas, and credit card(s) are issued based\non our acceptance of your application at our principal place of\nbusiness there.\n3. This agreement governs any account for which you are\nliable now or in the future. By signing your card or using your\naccount, or allowing someone else, you accept the terms of this\nagreement.\n4. You agree to sign your card immediately upon receipt. If you\nfail to do so, and your card becomes lost or stolen, you may be\nliable for any fraudulent activity, if it is determined that you were\ngrossly negligent in the handling of the account or card.\n5. We issue credit card(s) at your request for your use alone\nbut they are our property. We may renew your card(s) from\ntime to time. We may cancel or revoke credit privileges at any\ntime without changing your liability for credit we have already\nextended you. You agree to deliver at our demand the cards\nbearing your account number to us or to our agent. We may\nissue you a different card(s) at any time.\n6. You authorize us to charge to your account all purchases\nobtained with your account number. We agree to advance\namounts necessary to pay for all purchases and advances,\nprovided you are not over your credit line, past due or in default\nand you abide by the terms of this agreement.\n7. You promise to pay in U.S. Dollars, as this agreement requires,\nfor all authorized credit with is incurred with your account\nnumber or with the card(s) you requested. You also promise to\npay all finance charges and other charges connected with your\ncredit.\n8. You agree that \xe2\x80\x9cauthorized use\xe2\x80\x9d means any purchase, cash\nadvance, mail order or other credit incurred through the use of\nyour credit card(s) and/or your account number, whether such\nuse is by you or by any other person who is allowed to use the\ncard or account number by you, regardless of the benefit or use.\nYou agree that your card (s) shall not be used for any illegal\npurpose or transaction.\n9. You agree to pay us within 25 days from the \xe2\x80\x9cClosing\nDate\xe2\x80\x9d shown on each monthly statement, either (a) the \xe2\x80\x9cNew\nBalance\xe2\x80\x9d or (b) a part of the New Balance not less than the\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d that we have calculated according\nto the current minimum periodic payment schedule. The\nschedule we use follows:\n\nA. The minimum payment required is the New Balance shown\non your statement if the amount is equal to or less than $25.00.\nB. If the New Balance exceeds $25.00, the minimum payment\nis 1% (percent) of the New Balance (rounded up to the nearest\ndollar) plus any cycle to date FINANCE CHARGES and the\nunpaid late fees. The Total Minimum Payment will include the\nMinimum Payment calculated above, plus any amount in excess\nof your credit limit and any amount past due.\nChecks should be made payable to VISA. Only checks payable\nto VISA will be accepted for payment. Checks you have received\nfrom another party should not be endorsed over to VISA. That is,\nBBOK will not serve as a second endorser.\nFrom time to time, if your account qualifies, we may allow you\nto skip your minimum periodic payment during a billing cycle. If\nyou skip a payment, finance charges will continue to be due in\nthe month following the month in which you skip the payment.\n10. A FINANCE CHARGE will be imposed on your account under\nthe following conditions:\nA. PURCHASES A Finance Charge will be imposed on Credit\nPurchases only if you do not pay the entire New Balance shown\non your monthly statement for the previous billing cycle within\n25 days from the closing date of that statement. If you elect not\nto pay the entire New Balance shown on your previous monthly\nstatement within that 25 day period, a Finance Charge will\nbe imposed on the unpaid average daily balance of such Credit\nPurchases from the previous statement closing date and on new\nCredit Purchases from the date of transaction to your account\nduring the current billing cycle, and will continue to accrue until\nthe closing date of the billing cycle preceding the date on which\nthe entire New Balance is paid in full or until the date of payment\nif more than 25 days from the closing date.\nB. CASH ADVANCES/CASH EQUIVALENTS\nA Finance Charge will be imposed on Cash Advances from the\ndate made and will continue to accrue on the unpaid average\ndaily balance of such Cash Advances until the date of payment if\npaid during the same billing cycle, or until the closing date of the\nbilling cycle preceding the date on which the entire New Balance\nis paid in full or until the date of payment if more than 25 days\nfrom the closing date.\nCash Equivalents that will be treated as cash: Wire transfers,\ncourt filings, purchase of travelers checks, money orders,\nforeign currency, lottery tickets or gaming chips, placing wagers\n(if legal), or to make tax or similar payments.\nThe Finance Charge for a billing cycle is computed by applying\nthe Monthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the\ndaily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding to the\noutstanding unpaid balance of Cash Advances at the beginning\nof the billing cycle any new Cash Advances posted to your\naccount, and subtracting any payments as received or credits\nas posted to your account, but excluding any unpaid Finance\nCharges.\n11. INTEREST RATE\nA. PURCHASES\nIf your account is subject to a Finance Charge, your ANNUAL\nPERCENTAGE RATE may vary. Your Rate on purchases is\n\ndetermined by adding 5.92% to the \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the\nWall Street Journal under the \xe2\x80\x9cMoney Rates\xe2\x80\x9d subsection on the\nlast business day of each month.\nThe Finance Charge for a billing cycle is computed by applying\nthe Monthly Periodic Rate to the average daily balance of Credit\nPurchases, which is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the\ncycle. Each daily balance of Credit Purchases is determined by\nadding to the outstanding unpaid balance of Credit Purchases\nat the beginning of the billing cycle any new Credit Purchases\nposted to your account, and subtracting any payments as\nreceived or credits as posted to your account, but excluding any\nunpaid Finance Charges.\nB. CASH ADVANCES If your account is subject to a Finance\nCharge, a transaction fee of $10.00 or 3% of the Cash Advance\namount, whichever is greater, will be imposed for each Cash\nAdvance posted to your account during a billing cycle. We will\ncompute the Finance Charge on a Cash Advance by applying\na \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d of 1.75% per month (which is a\ncorresponding ANNUAL PERCENTAGE RATE of 21% as follows:\nThe Finance Charge for a billing cycle is computed by applying\nthe monthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the\ndaily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding to the\noutstanding unpaid balance of Cash Advances at the beginning of\nthe billing cycle any new Cash Advances posted to your account,\nand subtracting any payments as received or credits as posted to\nyour account, but excluding any unpaid Finance Charges.\n12. OTHER CHARGES \xe2\x80\x93 In addition to the Finance Charge, you\nagree to pay the bank the following fees and charges:\nA. LATE PAYMENT FEE\nIf you do not pay the Minimum Payment by the Due Date of the\nbilling cycle in which the payment was due, a late payment charge\nof up to $29.00 will be imposed on your account.\nB. RETURN CHECK FEE\nWe will assess a return check charge of up to $29.00 for any\ncheck or other form of negotiable instrument which is presented\nfor payment on the account and which is subsequently returned\nnot paid.\nC. INTERNATIONAL TRANSACTION FEE\nInternational transactions are subject to a fee by Issuer, of 3%\nof the U.S. dollar amount of the transaction and will apply to any\ncross-border transaction where the licensed VISA merchant and\nIssuer are located in different countries.\nD. DOCUMENTATION CHARGES\nYou may be assessed a charge for copies you request of a\ndocument (sales draft, cash advance draft, credit voucher) plus\nresearch time; copies of statements which were mailed to you; and\nany other pass-through fees assessed to us by VISA in connection\nwith your account. No charge will be imposed in connection with\nany good faith assertion of a billing error on your account.\nE. All costs of collections including reasonable attorney fees as\nfurther noted in paragraph 25 herein.\n\nF. ATM USAGE FEE\nA fee may be imposed by an ATM operator not holding the\nconsumer\xe2\x80\x99s account, or by any national, regional, or local network\nused to complete the transaction. Automated teller machine\noperator means any person that operates an automated teller\nmachine at which a consumer initiates an electronic fund transfer\nor a balance inquiry and does not hold an account to or from which\nthe transfer was made, or about which an inquiry is made.\n13. Effective October 3, 2017, Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation\nfees for a credit card account). Call 1-888-675-6332 for recorded\ninformation.\n14. PAYMENTS AND CREDITS will generally be applied to\namounts outstanding at the time the payment or credit is received\nin the following order:\n-Cash Advance Finance Charges\n-Purchase Finance Charges\n-Late Fees\n-Annual Fees\n-Cash Advance Accruing Balances (oldest balance is paid first)\n-Purchase Accruing Balances (oldest balance is paid first)\n-Non-Accruing Balances\n15. We agree at no extra cost to provide you and your spouse\nand dependent children with up to $250,000 of insurance for\naccidental death or dismemberment whenever you travel on\na common carrier if you buy your travel tickets with your VISA\nPlatinum card. A description of insurance terms and conditions\nwill be provided.\n16. We set your credit line when we open your account, and we may\nchange it from time to time. Your credit line will appear on each\nmonthly statement. We may limit your total Cash Advances to a\nportion of your total credit limit. You agree not to incur, or to let\nothers incur, charges on your account that exceed your credit line.\nIf the total charges do exceed the credit line, you agree, when we\nrequest, to make a payment to reduce the total on your account to\nan amount below your credit line.\n17. If you revoke the authority of someone to use your account,\nrevocation is not effective until that person\xe2\x80\x99s card expires or you\nreturn it to us, whichever is first; provided, however, each joint user\nagrees to pay all amounts due us for charges made by any joint\nuser until all cards are returned to us and the balances are paid\nin full.\n18. You agree to notify us promptly by telephone of the loss or theft\nof any credit card bearing your account number. You may notify\nus by telephone at (866) 839-3485. You will not be liable for\nany unauthorized use, unless we determine, based on substantial\nevidence, that you were grossly negligent in the handling of the\naccount or card.\n\n\x0c19. You agree that \xe2\x80\x9cunauthorized use\xe2\x80\x9d means the use of a credit\ncard which has occurred or may occur as the result of loss, theft or\nother wrongdoing, and which is by a person other than you or your\nagent, who does not have actual, implied or apparent authority for\nsuch use, and from which you receive no benefit.\n20. We are not accountable if anyone refuses to honor a credit\ncard with your account number. All Credit Purchases and Cash\nAdvances are effected at the option of the Merchant and Cash\nAdvancing Bank, respectively, and Issuer shall not be responsible\nfor refusal by any Merchant or Cash Advancing Bank to honor\nthe Card or any Related Card. Any refund, adjustment or credit\nallowed by Merchant shall not be by cash but rather by a credit\nadvice to Issuer which shall be shown as a credit on Cardholder\xe2\x80\x99s\naccount statement with Issuer.\n21. You agree to advise us promptly if you change your mailing\naddress. We can accept address corrections from the U.S. Postal\nService. All written notices and statements from us to you will be\nsent to your address as it appears on our records.\n22. We will consider your account past due if you fail to pay at least\nyour minimum payment in funds acceptable to us by the date it is\ndue. You account will remain past due until any previous unpaid\nbalance is paid.\n23. We can consider you in default if you provide us with false\ninformation or signature, if you try to exceed or do exceed your\ncredit line without our permission, if you fail to provide updated\ninformation which we request from time to time, if you become\nsubject to bankruptcy or insolvency proceedings, if attachment\nor garnishment proceedings are instituted against you or your\nproperty, if there is any event which we believe causes the prospect\nof payment to be significantly impaired, if you fail to comply with\nany provision of this agreement or in the event of death. Default\non any account with us will constitute default on all accounts with\nus. Upon default, at our option and under applicable law, we can\ndeclare all amounts on your account immediately due and payable.\nAlso, we can exercise all rights available to us under law to collect\nwhat you owe us. All remedies are cumulative and our failure to\nexercise any one shall not affect our rights to any other remedy.\n24. If Bank incurs collection costs or attorney fees in connection\nwith your account, as permitted by applicable law, you agree to\npay the reasonable costs of collection, including, but not limited\nto, attorney fees and collection fees in an amount not to exceed\n15% of the unpaid debt on your account if such limitation is\nrequired by law.\n25. If you make a payment with a check, money order, or other\ntype of instrument marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or other language\nindicating satisfaction of indebtedness, we are not bound by such\nlanguage and do not waive any rights under this agreement. Where\nfull payment of any indebtedness owing under this agreement is\nnot made, satisfaction of indebtedness shall occur only pursuant\nto a written agreement, signed by an authorized employee of the\nBank.\nCommunications regarding disputed balances must be sent\nto:\nCustomer Service, P.O. Box 30495, Tampa, FL 33630.\n\n26. Payments must be made to Issuer in U.S. dollars drawn on\na U.S. bank. If the authorized signer incurs charges in any other\ncurrency, the charges will be converted into U.S. dollars.\nVISA \xe2\x80\x93 The exchange rate between the transaction currency and\nthe billing currency used for processing international transactions\nis:\n\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the bill was correct.\n\n- The government-mandated rate in effect for the applicable central\nprocessing date.\n\nAfter we receive your letter, we cannot try to collect any amount\nyou question, or report you as delinquent. We can continue to\nbill you for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit line.\nYou do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nbill that are not in question.\n\n27. We can change the terms of this agreement including changing\nthe periodic rate and the annual percentage rate on the existing\nbalance of your account to the maximum rate allowed by law, even\nif that maximum rate increases after the date of this agreement. We\nwill, of course, comply with applicable law about notice to you if\nwe make any changes.\n\nIf we find that we made a mistake on your bill, you will not have to\npay any finance charges related to any questioned amount. If we\ndid not make a mistake, you will have to pay finance charges, and\nthe balance will be due and payable in full upon receipt of your\nnext billing statement. In either case, we will send you a statement\nof the amount you owe and the date that it is due.\n\n28. We can waive, or choose not to enforce, any of our rights under\nthis agreement at any time, without the waiver affecting any of our\nother rights. A waiver on one occasion will not act as a waiver of\nthe same right at a future time.\n\nIf you fail to pay the amount that we think you owe, we may report\nyou as delinquent. However, if our explanation does not satisfy\nyou and you write to us within 10 days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have\na question about your bill. And, we must tell you the name of\nanyone we reported you to. We must tell anyone we report you\nto that the matter has been settled between us when it finally is.\n\n- A rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or\n\n29. We may sell, assign or transfer your Account or any portion\nthereof, without notice to you. You may not sell, assign or transfer\nyour Account without first obtaining our prior written consent.\n30. From time to time we may monitor telephone calls between you\nand us to assure the quality of our customer service.\n31. We both agree that this agreement is governed by the laws of\nKansas except to the extent that federal law applies.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\nNotify us in Case of Errors or Questions About Your Bill\nIf you think your bill is wrong, or if you need more information\nabout a transaction on your bill, write us on a separate sheet of\npaper at the address listed on your bill. Write to us as soon as\npossible. We must hear from you no later than 60 days after we\nsent you the first bill on which the error or problem appeared. You\ncan telephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n-Your name and account number.\n-The dollar amount of the suspected error.\n-Describe the error and explain, if you can, why you believe there\nis an error. If you need more information, describe the item you\nare not sure about.\nIf you have authorized us to pay your credit card bill automatically\nfrom your checking or savings account, you can stop the payment\non any amount you think is wrong. To stop the payment your letter\nmust reach us three business days before the automatic payment\nis scheduled to occur.\n\nIf we do not follow these rules we cannot collect the first $50.00 of\nthe questioned amount, even if your bill was correct.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR will vary with the market based on the Prime Rate. See\n\xe2\x80\x9cInterest Rate\xe2\x80\x9d section of this agreement for more details.\n\nAPR for Balance Transfers\n\nSame as Purchase Rate\n\nAPR for Cash Advance\n\n21%\n\nPaying Interest\n\t\t\nYour due date is at least 25 days after\n\nthe close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on\ncash advances on the transaction date.\n\nFees\nAnnual Fee\n\nNone\n\nBalance Transfer Fee\n\nNone\n\nCash Advance Fee\n\n$10.00 or 3% of the\nCash Advance amount,\nwhichever is greater.\n\nInternational\nTransaction Fee\n\n3% of the U.S. dollar\namount of the transaction\n\nLate Payment\n\nUp to $29\n\nReturned Payment\n\nUp to $29\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that\nyou purchased with a credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the property or services.\nThere are two limitations on this right:\nYou must have made the purchase in your home state or, if not\nwithin your home state, within 100 miles of your current mailing\naddress; and\nThe purchase price must have been more than $50.00.\nThese limitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or services.\n\n9.17%\n\nBilling rights: Information on your rights to dispute\ntransactions and how to exercise those rights is\nprovided in the Cardholder Agreement. See \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d section for more details.\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nPlatinum 5/1/21\n\n\x0c'


b'BBOK VISA CLASSIC\nCARDHOLDER AGREEMENT\nEffective May 1, 2021\n1. In this agreement \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to the customer\nand means each person who has signed an application for\na Bankers\xe2\x80\x99 Bank of Kansas, (BBOK) account, whether as an\nindividual user or as a joint user. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d also refer to\nthe customer who has signed a BBOK card or a VISA sales draft\nor cash advance request as an authorized signer. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d,\n\xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d refer to Bankers\xe2\x80\x99 Bank of Kansas, P.O. Box\n20810, Wichita, KS 67208-6810. \xe2\x80\x9cCard\xe2\x80\x9d means any VISA Card(s)\nissued to you by us, or other single credit device being used\nfrom time to time upon presentation to obtain money, property\nor services on credit; \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit\nby using your account number without using the Card. If more\nthan one person has signed the application for an account, this\nagreement applies equally to each authorized signer.\n2. You agree that this agreement is entered into at Wichita,\nSedgwick County, Kansas, and credit card(s) are issued based\non our acceptance of your application at our principal place of\nbusiness there.\n3. This agreement governs any account for which you are\nliable now or in the future. By signing your card or using your\naccount, or allowing someone else, you accept the terms of this\nagreement.\n4. You agree to sign your card immediately upon receipt. If you\nfail to do so, and your card becomes lost or stolen, you may be\nliable for any fraudulent activity, if it is determined that you were\ngrossly negligent in the handling of the account or card.\n5. We issue credit card(s) at your request for your use alone\nbut they are our property. We may renew your card(s) from\ntime to time. We may cancel or revoke credit privileges at any\ntime without changing your liability for credit we have already\nextended you. You agree to deliver at our demand the cards\nbearing your account number to us or to our agent. We may\nissue you a different card(s) at any time.\n6. You authorize us to charge to your account all purchases\nobtained with your account number. We agree to advance\namounts necessary to pay for all purchases and advances,\nprovided you are not over your credit line, past due or in default\nand you abide by the terms of this agreement.\n7. You promise to pay in U.S. Dollars, as this agreement requires,\nfor all authorized credit with is incurred with your account\nnumber or with the card(s) you requested. You also promise to\npay all finance charges and other charges connected with your\ncredit.\n8. You agree that \xe2\x80\x9cauthorized use\xe2\x80\x9d means any purchase, cash\nadvance, mail order or other credit incurred through the use of\nyour credit card(s) and/or your account number, whether such\nuse is by you or by any other person who is allowed to use the\ncard or account number by you, regardless of the benefit or use.\nYou agree that your card (s) shall not be used for any illegal\npurpose or transaction.\n9. You agree to pay us within 25 days from the \xe2\x80\x9cClosing\nDate\xe2\x80\x9d shown on each monthly statement, either (a) the \xe2\x80\x9cNew\nBalance\xe2\x80\x9d or (b) a part of the New Balance not less than the\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d that we have calculated according\nto the current minimum periodic payment schedule. The\nschedule we use follows:\n\nA. The minimum payment required is the New Balance shown\non your statement if the amount is equal to or less than $25.00.\nB. If the New Balance exceeds $25.00, the minimum payment\nis 1% (percent) of the New Balance (rounded up to the nearest\ndollar) plus any cycle to date FINANCE CHARGES and the\nunpaid late fees. The Total Minimum Payment will include the\nMinimum Payment calculated above, plus any amount in excess\nof your credit limit and any amount past due.\nChecks should be made payable to VISA. Only checks payable\nto VISA will be accepted for payment. Checks you have received\nfrom another party should not be endorsed over to VISA. That is,\nBBOK will not serve as a second endorser.\nFrom time to time, if your account qualifies, we may allow you\nto skip your minimum periodic payment during a billing cycle. If\nyou skip a payment, finance charges will continue to be due in\nthe month following the month in which you skip the payment.\n10. A FINANCE CHARGE will be imposed on your account under\nthe following conditions:\nA. PURCHASES A Finance Charge will be imposed on Credit\nPurchases only if you do not pay the entire New Balance shown\non your monthly statement for the previous billing cycle within\n25 days from the closing date of that statement. If you elect not\nto pay the entire New Balance shown on your previous monthly\nstatement within that 25 day period, a Finance Charge will\nbe imposed on the unpaid average daily balance of such Credit\nPurchases from the previous statement closing date and on new\nCredit Purchases from the date of transaction to your account\nduring the current billing cycle, and will continue to accrue until\nthe closing date of the billing cycle preceding the date on which\nthe entire New Balance is paid in full or until the date of payment\nif more than 25 days from the closing date.\nB. CASH ADVANCES/CASH EQUIVALENTS\nA Finance Charge will be imposed on Cash Advances from the\ndate made and will continue to accrue on the unpaid average\ndaily balance of such Cash Advances until the date of payment if\npaid during the same billing cycle, or until the closing date of the\nbilling cycle preceding the date on which the entire New Balance\nis paid in full or until the date of payment if more than 25 days\nfrom the closing date.\nCash Equivalents that will be treated as cash: Wire transfers,\ncourt filings, purchase of travelers checks, money orders,\nforeign currency, lottery tickets or gaming chips, placing wagers\n(if legal), or to make tax or similar payments.\nThe Finance Charge for a billing cycle is computed by applying\nthe Monthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the\ndaily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding to the\noutstanding unpaid balance of Cash Advances at the beginning\nof the billing cycle any new Cash Advances posted to your\naccount, and subtracting any payments as received or credits\nas posted to your account, but excluding any unpaid Finance\nCharges.\n11. INTEREST RATE\nA. PURCHASES\nIf your account is subject to a Finance Charge, your ANNUAL\nPERCENTAGE RATE may vary. Your Rate on purchases is\n\ndetermined by adding 8.42% to the \xe2\x80\x9cPrime Rate\xe2\x80\x9d published in the\nWall Street Journal under the \xe2\x80\x9cMoney Rates\xe2\x80\x9d subsection on the\nlast business day of each month.\nThe Finance Charge for a billing cycle is computed by applying\nthe Monthly Periodic Rate to the average daily balance of Credit\nPurchases, which is determined by dividing the sum of the daily\nbalances during the billing cycle by the number of days in the\ncycle. Each daily balance of Credit Purchases is determined by\nadding to the outstanding unpaid balance of Credit Purchases\nat the beginning of the billing cycle any new Credit Purchases\nposted to your account, and subtracting any payments as\nreceived or credits as posted to your account, but excluding any\nunpaid Finance Charges.\nB. CASH ADVANCES If your account is subject to a Finance\nCharge, a transaction fee of $10.00 or 3% of the Cash Advance\namount, whichever is greater, will be imposed for each Cash\nAdvance posted to your account during a billing cycle. We will\ncompute the Finance Charge on a Cash Advance by applying\na \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d of 1.75% per month (which is a\ncorresponding ANNUAL PERCENTAGE RATE of 21% as follows:\nThe Finance Charge for a billing cycle is computed by applying\nthe monthly Periodic Rate to the average daily balance of Cash\nAdvances, which is determined by dividing the sum of the\ndaily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding to the\noutstanding unpaid balance of Cash Advances at the beginning of\nthe billing cycle any new Cash Advances posted to your account,\nand subtracting any payments as received or credits as posted to\nyour account, but excluding any unpaid Finance Charges.\n12. OTHER CHARGES \xe2\x80\x93 In addition to the Finance Charge, you\nagree to pay the bank the following fees and charges:\nA. LATE PAYMENT FEE\nIf you do not pay the Minimum Payment by the Due Date of the\nbilling cycle in which the payment was due, a late payment charge\nof up to $29.00 will be imposed on your account.\nB. RETURN CHECK FEE\nWe will assess a return check charge of up to $29.00 for any\ncheck or other form of negotiable instrument which is presented\nfor payment on the account and which is subsequently returned\nnot paid.\nC. INTERNATIONAL TRANSACTION FEE\nInternational transactions are subject to a fee by Issuer, of 3%\nof the U.S. dollar amount of the transaction and will apply to any\ncross-border transaction where the licensed VISA merchant and\nIssuer are located in different countries.\nD. DOCUMENTATION CHARGES\nYou may be assessed a charge for copies you request of a\ndocument (sales draft, cash advance draft, credit voucher) plus\nresearch time; copies of statements which were mailed to you; and\nany other pass-through fees assessed to us by VISA in connection\nwith your account. No charge will be imposed in connection with\nany good faith assertion of a billing error on your account.\nE. All costs of collections including reasonable attorney fees as\nfurther noted in paragraph 25 herein.\n\nF. ATM USAGE FEE\nA fee may be imposed by an ATM operator not holding the\nconsumer\xe2\x80\x99s account, or by any national, regional, or local network\nused to complete the transaction. Automated teller machine\noperator means any person that operates an automated teller\nmachine at which a consumer initiates an electronic fund transfer\nor a balance inquiry and does not hold an account to or from which\nthe transfer was made, or about which an inquiry is made.\n13. Effective October 3, 2017, Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit\ntransaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation\nfees for a credit card account). Call 1-888-675-6332 for recorded\ninformation.\n14. PAYMENTS AND CREDITS will generally be applied to\namounts outstanding at the time the payment or credit is received\nin the following order:\n-Cash Advance Finance Charges\n-Purchase Finance Charges\n-Late Fees\n-Annual Fees\n-Cash Advance Accruing Balances (oldest balance is paid first)\n-Purchase Accruing Balances (oldest balance is paid first)\n-Non-Accruing Balances\n15. We agree at no cost to provide you and your spouse and\ndependent children with up to $150,000 of insurance for\naccidental death or dismemberment whenever you travel on\na common carrier if you buy your travel tickets with your VISA\nClassic Card. A description of insurance terms and conditions\nwill be provided.\n16. We set your credit line when we open your account, and we may\nchange it from time to time. Your credit line will appear on each\nmonthly statement. We may limit your total Cash Advances to a\nportion of your total credit limit. You agree not to incur, or to let\nothers incur, charges on your account that exceed your credit line.\nIf the total charges do exceed the credit line, you agree, when we\nrequest, to make a payment to reduce the total on your account to\nan amount below your credit line.\n17. If you revoke the authority of someone to use your account,\nrevocation is not effective until that person\xe2\x80\x99s card expires or you\nreturn it to us, whichever is first; provided, however, each joint user\nagrees to pay all amounts due us for charges made by any joint\nuser until all cards are returned to us and the balances are paid\nin full.\n18. You agree to notify us promptly by telephone of the loss or theft\nof any credit card bearing your account number. You may notify\nus by telephone at (866) 839-3485. You will not be liable for\nany unauthorized use, unless we determine, based on substantial\nevidence, that you were grossly negligent in the handling of the\naccount or card.\n\n\x0c19. You agree that \xe2\x80\x9cunauthorized use\xe2\x80\x9d means the use of a credit\ncard which has occurred or may occur as the result of loss, theft or\nother wrongdoing, and which is by a person other than you or your\nagent, who does not have actual, implied or apparent authority for\nsuch use, and from which you receive no benefit.\n20. We are not accountable if anyone refuses to honor a credit\ncard with your account number. All Credit Purchases and Cash\nAdvances are effected at the option of the Merchant and Cash\nAdvancing Bank, respectively, and Issuer shall not be responsible\nfor refusal by any Merchant or Cash Advancing Bank to honor\nthe Card or any Related Card. Any refund, adjustment or credit\nallowed by Merchant shall not be by cash but rather by a credit\nadvice to Issuer which shall be shown as a credit on Cardholder\xe2\x80\x99s\naccount statement with Issuer.\n21. You agree to advise us promptly if you change your mailing\naddress. We can accept address corrections from the U.S. Postal\nService. All written notices and statements from us to you will be\nsent to your address as it appears on our records.\n22. We will consider your account past due if you fail to pay at least\nyour minimum payment in funds acceptable to us by the date it is\ndue. You account will remain past due until any previous unpaid\nbalance is paid.\n23. We can consider you in default if you provide us with false\ninformation or signature, if you try to exceed or do exceed your\ncredit line without our permission, if you fail to provide updated\ninformation which we request from time to time, if you become\nsubject to bankruptcy or insolvency proceedings, if attachment\nor garnishment proceedings are instituted against you or your\nproperty, if there is any event which we believe causes the prospect\nof payment to be significantly impaired, if you fail to comply with\nany provision of this agreement or in the event of death. Default\non any account with us will constitute default on all accounts with\nus. Upon default, at our option and under applicable law, we can\ndeclare all amounts on your account immediately due and payable.\nAlso, we can exercise all rights available to us under law to collect\nwhat you owe us. All remedies are cumulative and our failure to\nexercise any one shall not affect our rights to any other remedy.\n24. If Bank incurs collection costs or attorney fees in connection\nwith your account, as permitted by applicable law, you agree to\npay the reasonable costs of collection, including, but not limited\nto, attorney fees and collection fees in an amount not to exceed\n15% of the unpaid debt on your account if such limitation is\nrequired by law.\n25. If you make a payment with a check, money order, or other\ntype of instrument marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d or other language\nindicating satisfaction of indebtedness, we are not bound by such\nlanguage and do not waive any rights under this agreement. Where\nfull payment of any indebtedness owing under this agreement is\nnot made, satisfaction of indebtedness shall occur only pursuant\nto a written agreement, signed by an authorized employee of the\nBank.\nCommunications regarding disputed balances must be sent\nto:\nCustomer Service, P.O. Box 30495, Tampa, FL 33630.\n\n26. Payments must be made to Issuer in U.S. dollars drawn on\na U.S. bank. If the authorized signer incurs charges in any other\ncurrency, the charges will be converted into U.S. dollars.\nVISA \xe2\x80\x93 The exchange rate between the transaction currency and\nthe billing currency used for processing international transactions\nis:\n\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the bill was correct.\n\n- The government-mandated rate in effect for the applicable central\nprocessing date.\n\nAfter we receive your letter, we cannot try to collect any amount\nyou question, or report you as delinquent. We can continue to\nbill you for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit line.\nYou do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nbill that are not in question.\n\n27. We can change the terms of this agreement including changing\nthe periodic rate and the annual percentage rate on the existing\nbalance of your account to the maximum rate allowed by law, even\nif that maximum rate increases after the date of this agreement. We\nwill, of course, comply with applicable law about notice to you if\nwe make any changes.\n\nIf we find that we made a mistake on your bill, you will not have to\npay any finance charges related to any questioned amount. If we\ndid not make a mistake, you will have to pay finance charges, and\nthe balance will be due and payable in full upon receipt of your\nnext billing statement. In either case, we will send you a statement\nof the amount you owe and the date that it is due.\n\n28. We can waive, or choose not to enforce, any of our rights under\nthis agreement at any time, without the waiver affecting any of our\nother rights. A waiver on one occasion will not act as a waiver of\nthe same right at a future time.\n\nIf you fail to pay the amount that we think you owe, we may report\nyou as delinquent. However, if our explanation does not satisfy\nyou and you write to us within 10 days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have\na question about your bill. And, we must tell you the name of\nanyone we reported you to. We must tell anyone we report you\nto that the matter has been settled between us when it finally is.\n\n- A rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or\n\n29. We may sell, assign or transfer your Account or any portion\nthereof, without notice to you. You may not sell, assign or transfer\nyour Account without first obtaining our prior written consent.\n30. From time to time we may monitor telephone calls between you\nand us to assure the quality of our customer service.\n31. We both agree that this agreement is governed by the laws of\nKansas except to the extent that federal law applies.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\nNotify us in Case of Errors or Questions About Your Bill\nIf you think your bill is wrong, or if you need more information\nabout a transaction on your bill, write us on a separate sheet of\npaper at the address listed on your bill. Write to us as soon as\npossible. We must hear from you no later than 60 days after we\nsent you the first bill on which the error or problem appeared. You\ncan telephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n-Your name and account number.\n-The dollar amount of the suspected error.\n-Describe the error and explain, if you can, why you believe there\nis an error. If you need more information, describe the item you\nare not sure about.\nIf you have authorized us to pay your credit card bill automatically\nfrom your checking or savings account, you can stop the payment\non any amount you think is wrong. To stop the payment your letter\nmust reach us three business days before the automatic payment\nis scheduled to occur.\n\nIf we do not follow these rules we cannot collect the first $50.00 of\nthe questioned amount, even if your bill was correct.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR will vary with the market based on the Prime Rate. See\n\xe2\x80\x9cInterest Rate\xe2\x80\x9d section of this agreement for more details.\n\nAPR for Balance Transfers\n\nSame as Purchase Rate\n\nAPR for Cash Advance\n\n21%\n\nPaying Interest\n\t\t\nYour due date is at least 25 days after\n\nthe close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on\ncash advances on the transaction date.\n\nFees\nAnnual Fee\n\nNone\n\nBalance Transfer Fee\n\nNone\n\nCash Advance Fee\n\n$10.00 or 3% of the\nCash Advance amount,\nwhichever is greater.\n\nInternational\nTransaction Fee\n\n3% of the U.S. dollar\namount of the transaction\n\nLate Payment\n\nUp to $29\n\nReturned Payment\n\nUp to $29\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that\nyou purchased with a credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the property or services.\nThere are two limitations on this right:\nYou must have made the purchase in your home state or, if not\nwithin your home state, within 100 miles of your current mailing\naddress; and\nThe purchase price must have been more than $50.00.\nThese limitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or services.\n\n11.67%\n\nBilling rights: Information on your rights to dispute\ntransactions and how to exercise those rights is\nprovided in the Cardholder Agreement. See \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d section for more details.\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nClassic 5/1/21\n\n\x0c'