b'Credit Card Agreement for Visa Cash Rewards from Banco Popular de Puerto Rico\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.99% introductory APR1 for the first 6 months.\nAfter that, your APR will be from 13.24% to 26.24%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR1 and 0 payment from the transfer date for 12 months and $0 balance transfer\nfee. Applies to transfers made within the first 90 days from account opening.\nAfter that, your APR will be from 13.24% to 26.24%, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau.\n\n24.24 to 28.24%, when you open your account based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. You will not be charged\ninterest from the time you purchased goods or services, if you pay your full account balance\nby the Payment Due Date. In the event you don\xe2\x80\x99t pay the full account balance, while in the\nGrace Period, you will not pay interest on the amount paid for that cycle. On subsequent\ncycles you will not have a Grace Period until you pay your full account balance on time for\ntwo cycles in a row. Amounts related to certain offers will not be taken into consideration in\ndetermining the Grace Period. Please refer to the offer terms and conditions. The No Grace\nPeriod Transactions begin to accrue interest on the date they are posted and remain subject\nto Interest Charges until paid in full.\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advances and\nConvenience Checks\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Late Payment\n\n$0 Annual Fee\n$0 Additional Card Fee\n2% of the amount of each transaction (minimum $2; maximum $10)\n2% of the amount of each transfer (minimum $2; maximum $10)\n1% of each transaction in U.S. dollars for Visa International\n\nUp to $10\nUp to $38\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)". Please refer\nto the account Credit Card Agreement for more details.\nLoss of Introductory APR: We may end your Introductory APRs and apply the corresponding APR if you close the account or if you miss\na payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See\nYour Billing Rights section for full details.\n1 The\n\ncorresponding Daily Periodic Rate for the Introductory APR is 0.0055%.\n\nPlease read these Terms and Conditions carefully and keep them for future reference.\nThe terms and conditions for the revolving credit Account we established for you are contained below. Your entire Agreement with us\nincludes: (1) the terms and conditions stated in this document and your application; (2) your Account-Opening Disclosures and all\ndisclosures and materials provided to you before or when you opened your Account; (3) all billing statements; (4) any rewards program\nterms, conditions, and disclosures; (5) our privacy notices; (6) any other documents relating to your Account that we send by email or\npost online; and (7) any amendments we make to such documents from time to time.\nThe Bank will issue two credit cards per cardholder for Dual Accounts and one credit card per cardholder for all other accounts. Use of\nthe Card (the credit Card we issue to you to access your Account) constitutes acceptance of this Agreement. This Agreement applies\nwhether or not you use your Card and will continue to apply even after your Account is closed, as long as you have a balance. If you\nchoose not to accept the Card, you should not use it and should notify the Bank within 15 days after receiving this Agreement by\ncontacting Customer Service.\n\n\x0cInsurance Fee: If you have authorized enrollment in credit protection insurance, you will see that charge on your monthly billing statement.\nEnrollment to credit protection insurance is optional and is not a requirement or condition to extend credit. You may cancel this insurance\nat any time. Insurance products are not deposits, are not insured or guaranteed by the FDIC or by any agency of the government, the\nBank or its affiliates.\nYour Agreement and Promise to Pay: By using your Card, Account number or a device to access your Account, making a payment on\nthe Account, or signing an application for any Card we send you, you represent you are of legal age in your state of residence and you\nagree to the terms of this Agreement. You agree to pay us all amounts that we lend to you on your Account, together with Interest\nCharges and fees as provided in this Agreement. You agree to release and indemnify us from liability for damages, losses, or expenses\nthat arise as a result of our compliance with your instructions.\nWHO ARE THE PARTIES TO THIS AGREEMENT?\nTERMS WE USE\nYou and your\n\nWHAT IT MEANS\nAll persons who applied for the\nAccount or who are liable on\nthe Account by any other\nmeans and all Authorized\nUsers.\n\nHOW IT AFFECTS YOU\nIf there are joint Cardholders, each of you will be responsible individually\nand jointly for the entire amount due on the Account. We may send\ncommunications to either of you; we may disclose information about the\nAccount to either of you; and we may accept instructions from either of you\n(even if you have a disagreement).\n\nWe, us, our and\nBanco Popular\n\nBanco Popular de Puerto Rico,\nits agents, authorized\nrepresentatives, successors\nand assigns.\n\nWe are the lender on your Account and the issuer of your Card.\n\nAuthorized User\n\nAnyone else that you permit to\nuse your Account.\n\nAn Authorized User is any person you request us to issue a Card that\naccesses your Account or any person you give your Card or Card number\nto. You are responsible for any charge on your Account by an Authorized\nUser even if you told that person not to make that specific charge. If you\nwish to revoke an Authorized User, you must notify us through our Customer\nService. You are responsible for recovering from that Authorized User and\ndestroying any Cards, Convenience Checks and other devices that can be\nused to access your Account.\n\nHOW DO YOU USE YOUR ACCOUNT?\nYou may use your Account only for personal, family or household purposes. You may not use your Account for illegal purposes or for\ninternet gambling (even if legal). However, you are still responsible for any transactions that you enter into, even if in violation of law or this\nAgreement. You must take reasonable steps to prevent unauthorized use of your Account. Subject to applicable law we may cancel or\nconvert your Account to any of our other revolving accounts.\nTERMS WE USE\nTransactions or\nTransaction Types\n\nWHAT IT MEANS\nThe Transaction Types are:\nPurchases, Cash\nAdvances, and Balance\nTransfers, as described\nbelow.\n\nHOW IT AFFECTS YOU\nWe do not guarantee that your Card will be accepted when you attempt to\nuse it. You may carry out Transactions by using your Card, Account number\nor other credit device linked to your Account (including a mobile device,\nsubject to the terms and conditions of that service). Each Transaction Type\nwill have its own balance and may have a separate Interest Charge.\n\nPurchases\n\nWhen you use the Card to\nbuy goods and services\nfrom merchants that accept\nthe Card.\n\nThe merchant will receive our authorization or denial to charge your Account\nin accordance with the terms of the Agreement. We may deny any Purchase\ntransaction authorization request from a merchant at our sole discretion for\nsecurity and/or any other reasons, even if there is sufficient available credit\non your Account. We are not responsible for any losses associated with a\ndeclined transaction.\n\nBalance Transfers\nand Fees\n\nWhen you transfer a\nbalance from another credit\ncard.\n\nWe permit Balance Transfers from most accounts issued by other banks but\nnot from other accounts or loans with us or any of our affiliates. We will\ncharge a Balance Transfer fee based on the amount of each Balance\nTransfer, as set forth in the Account-Opening Disclosures.\n\nCash Advances and\nFees\n\nWhen you obtain cash or\nan equivalent through your\nCard.\n\nThe following transactions will be treated as Cash Advances: all advances to\nobtain cash over the counter, through an ATM, and other \xe2\x80\x9ccash-like\xe2\x80\x9d\ntransactions, such as purchasing foreign currency, a money order, traveler\xe2\x80\x99s\ncheck, casino betting chip, or a lottery ticket. We will charge a Cash\nAdvance fee based on the amount of each Cash Advance, as set forth in the\nAccount-Opening Disclosures.\n\nConvenience\nChecks and Fees\n\nThe checks provided by us\nfor you to access your\nAccount.\n\nThe Convenience Check is subject to the Purchase APR. We have the right\nnot to pay a Convenience Check for any reason. You may not use a\nConvenience Check to make a payment on the Account or any other account\nwith us. We will charge a Convenience Check Fee based on the amount of\neach Convenience Check advance, as set forth in the Account-Opening\nDisclosures.\n\nRecurring\nTransactions\n\nWhen you authorize a third\nparty to bill charges on a\n\nWe are not responsible for recurring transactions if your Account is closed or\nsuspended, or if the Account number or expiration date changes. You must\ncontact the third party to notify them of the changes of your account.\n\n\x0crecurring basis to your\nAccount.\nCredit Limit\nUnsecured Accounts\n\nThe maximum amount that\nyou can have outstanding\non your Account at any\ntime taking into\nconsideration your credit\nworthiness and/or payment\nhistory.\n\nYour Credit Limit is based on your credit worthiness and/or your payment\nhistory. We will advise you of the total credit limit on your Account when we\nfirst send you your Card and thereafter, in each billing statement. We may\nestablish a lower limit for Cash Advances. If no separate Cash Advance limit\nis listed on our billing statement, then the Credit Limit for Cash Advances is\nthe amount of your total Credit Limit. Your Credit Limit and Cash Advance\nlimit may change from time to time taking into consideration your credit\nworthiness and/or payment history. We may cancel, change, or rescind your\ncredit availability at any time. We will notify you of any such changes through\nyour billing statement or by sending you a separate notice, which may be\nafter the change occurs.\nWe may approve at our sole discretion a Transaction that causes your\nAccount balance to exceed the Credit Limit. In such case, we will add the\nexcess to your Minimum Payment. This will not be considered an increase in\nyour Credit Limit nor do we waive any of our rights by doing so.\n\nPromotions or\nIntroductory Offers\n\nSpecial offers related to\nyour Account.\n\nIntroductory APRs and special fees are described in the Account-Opening\nDisclosures. Any special offer is subject to this Agreement, unless specified\notherwise.\n\nRewards\n\nRewards program tied to\nthe use of your Card.\n\nWe will provide you with all information and terms about your Rewards\nseparately, if applicable.\n\nForeign\nTransactions, Fees\nand Exchange Rate\n\nTransactions that take\nplace outside the United\nStates. They will be billed\nto you in U.S. Dollars.\n\nThe applicable card association (such as Visa and MasterCard) will convert\nto U.S. dollars transactions made in a foreign currency using a governmentmandated or wholesale rate in effect on the processing date (which may\ndiffer from the rate on the date of your transaction). The rate used may differ\nfrom the rate that the card association actually receives. A fee will be\nassessed on the U.S. Dollar amount of the transaction. See \xe2\x80\x9cFees\xe2\x80\x9d section\non the Account-Opening Disclosures for the fee applicable to the Account.\n\nMobile Wallet\nService\n\nThe payment service\nprovided by third\nparty/mobile device which\nallows you to make\nPurchases or payments\nwith your credit Card\nthrough a wallet enabled\nmobile device.\n\nAllows you to add your credit Card to an application using your mobile\ndevice. Your credit Card number is replaced with a digital number or token.\nOnce loaded you may use your mobile device to make Purchases or\npayments only where the Wallet is accepted.\n\nWHAT DO YOU HAVE TO PAY AND WHEN?\nWe will send your billing statement each month to the address on file as long as there are transactions or a balance due during the billing\ncycle. It will show your Minimum Payment and the Payment Due Date and will provide instructions for making your payment.\nTERMS WE USE\nPayment Instructions\n\nWHAT IT MEANS\nThe instructions on your\nbilling statement for making\npayments to your Account.\n\nHOW IT AFFECTS YOU\nYou must follow the payment instructions provided on your billing statement.\nAll payments made by check must be drawn on a U.S. financial institution in\nU.S. Dollars made to the order of Banco Popular de Puerto Rico. Any such\npayment must be sent to the special address identified on your billing\nstatement accompanied with the payment stub. You authorize us to either\nuse information from your check to make a one-time electronic fund transfer\nfrom your account or to process the payment as a check transaction.\nElectronic and mailed payments are credited on the same day of receipt if\nthey are received by 5:00 p.m. AST Monday through Friday (excluding\nholidays). Telephone payments are credited on the same day of receipt if they\nare received by 5:00 p. m. EST Monday through Friday (excluding holidays).\nWe may take up to 5 days to process any credit of other payments that do not\nmeet these requirements, during which interest will not accrue. We may\naccept and process late, partial and payments marked as "paid in full" without\nlosing our rights under this Agreement.\nIf your payment is reversed due to insufficient funds or a returned check, we\nwill apply a credit line availability hold condition to your Account and you may\nlose any special APR offers. The result of this hold is that the credit line\navailability resulting from a payment to your Account will be delayed for 10\ncalendar days after the payment is processed. The hold condition will be\ncanceled after 6 billing cycles where no other payment reversal event takes\nplace.\n\nPayment Due Date\n\nThe date by which we must\nreceive the Minimum\nPayment in order for it to\nbe on time.\n\nYour monthly billing statement will list the Payment Due Date. It will usually\nbe the same day of each month, at least 25 days after closing of the billing\ncycle shown on the billing statement.\n\n\x0cMinimum Payment\n\nThe minimum amount you\nmust pay each billing cycle,\nas shown on your billing\nstatement.\n\nYou agree to pay at least the Minimum Payment when due. For Account\nbalances between $0.01 up to $26.99, the Minimum Payment will be the\noutstanding balance. For balances of $27 and over, the minimum monthly\npayment will be 2% of the outstanding balance or the Interest Charge + $10\nor a fixed amount of $27, whichever is higher. The Minimum Payment will\ninclude any past due amounts, any Installment Plan minimum payment and\nthe total of any amount charged in excess of your credit limit.\n\nSkip A Payment Offer\n\nWe may offer you, at our\noption, to skip a Minimum\nPayment for certain billing\ncycles.\n\nIf you receive this offer, your billing statement may reflect a required Minimum\nPayment of $0, and you may not have to make the Minimum Payment for that\nbilling cycle. If you decide to skip a payment, we will continue to accrue\nInterest Charges on the unpaid balance of your Account during that period.\nHowever, you can always make a payment for any amount. At the end of the\nskip a payment period, the terms of the Agreement regarding the required\nMinimum Payment will automatically resume.\n\nPaying Interests\nThe period of time during\nGrace Period on\nwhich you are not charged\nPurchases\ninterest on Purchases if\nyou pay the full account\nbalance on time.\n\nNo Grace Period\n\nApplication of\nPayments\n\nCredit Balances\n\nThere is no Grace Period\nfor Balance Transfer or\nCash Advances or when\nyou use Convenience\nChecks\nHow we apply your\npayment to the balance on\nyour Account.\n\nWhen an inadvertent\noverpayment occurs in\nyour Account.\n\nYou will not be charged interest from the time you purchased goods or\nservices, if you pay your full account balance by the Payment Due Date. In the\nevent you don\xe2\x80\x99t pay the full account balance, while in the Grace Period, you\nwill not pay interest on the amount paid for that cycle. On subsequent cycles\nyou will not have a Grace Period until you pay your full account balance on\ntime for two cycles in a row. Amounts related to certain offers will not be taken\ninto consideration in determining the Grace Period. Please refer to the offer\nterms and conditions.\nThe No Grace Period Transactions begin to accrue interest on the date they\nare posted and remain subject to Interest Charges until paid in full.\n\nWe will apply your Minimum Payment in the following order: to Installment\nPlan minimum payment, if applicable; then to Interest Charges, then to Fees\nand the remaining amount is applied first to the debt resulting from Purchases\nand Cash Advances with the lowest APR and then to the debt with the higher\nAPR in ascending order. Consequently, the debt with the higher APR will not\nbe reduced, until the debt with the lower APR is paid in full. If you pay an\namount in excess of the Minimum Payment, the excess will be applied to\nbalances with the highest APRs first.\nWe may reject and return to you any payment that creates a credit balance on\nyour Account. If we allow any credit balance in your Account due to any\ninadvertent overpayment, you may request a refund of credit balances at any\ntime. We will not pay interest on any credit balance in your Account. If no\nrefund is requested, we will apply credit balances to new transactions, unless\nprohibited by law. If you do not make new transactions within 180 days, we\nwill send you a refund.\n\nWHAT ARE THE CHARGES AND HOW ARE THEY CALCULATED?\nTERMS WE USE\nDaily Balance\n\nWHAT IT MEANS\nThe balance on each\ntransaction type and APR\neach day.\n\nHOW WE CALCULATE IT\nWe calculate the Daily Balance by taking the beginning balance for each type\nof transaction and APR each day, adding any new transactions, and then\nsubtracting any payments and/or credits and other adjustments. We treat any\ndaily balance that is a credit balance as a zero balance.\n\nAverage Daily\nBalance\n\nThe average balance each\nday during the billing cycle.\n\nAnnual Percentage\nRate (APR)\n\nAn annualized interest rate.\nDifferent APRs apply to the\ndifferent transaction types,\nas shown on the AccountOpening Disclosures.\n\nWe calculate the Average Daily Balance by adding all of the Daily Balances\nfor each day in the billing period and then dividing by the total number of days\nin the billing period.\nYour APRs are variable. They increase or decrease with the Prime Rate. The\nAPR will be determined by adding the Prime Rate (as published by The Wall\nStreet Journal) to a margin. For unsecured Accounts if you reside in Puerto\nRico or the US Virgin Islands, the margin applicable to your Transaction types\nwill depend on your credit worthiness at the time of approval of your\napplication and will be set at the time of approval of your application. For\nPopular Inc. or any of its subsidiaries\xe2\x80\x99 employees and for residents of the\nBritish Virgin Islands, the APR applicable to your Transaction types will be\ndetermined by adding the Prime Rate at the time of approval of your\napplication to a margin. For each billing cycle, the Interest Charge and the\nAPR will be based on the Prime Rate three business days prior to your billing\nstatement closing date. If The Wall Street Journal is not published, we will\nselect a similar rate. We may change the margins from time to time for new\ntransactions with notice to you.\n\n\x0cDaily Periodic Rate\n(DPR)\n\nA daily interest rate we\ncalculate.\n\nWe calculate interest using the daily periodic rate. The DPR for a given\nbalance is equal to the APR for that balance divided by 365 and rounded up\nas permitted by law.\n\nInterest Charges\n\nThe amount we charge you\nfor your credit on each\ntransaction type.\n\nWe add the Interest Charges to the Account by adding the Interest Charges to\neach transaction type balance and APR to which it applies. (For example, we\nadd Interest Charges on Purchases to the Purchases balance.) We calculate\nthe Interest Charge by applying the DPR for each transaction type and APR to\nthe Average Daily Balance for that transaction type. We multiply the result by\nthe number of days in the billing cycle. That gives us the total Interest Charges\nfor that transaction type for that billing period.\nCash Advance, Balance Transfer, and Convenience Check fees are added to\ntheir corresponding balances, as applicable, and all other fees are added to\nthe Purchases balance.\n\nWHAT IF YOU PAY LATE?\nIf you pay the Minimum Payment amount by the Payment Due Date, you will not pay penalties. You should pay on time.\nPENALTY\nLate Payment Fee\n\nWHAT IT MEANS\nThe fee we charge each\ntime your payment is late.\n\nWHAT WE WILL CHARGE YOU\nIf you pay late, or you pay less than the Minimum Payment, we may charge\nyou a late payment fee in the amount set forth on the Account Opening\nDisclosures. In no event will your late payment fee exceed the amount of\nyour Minimum Payment due.\n\nReturned Payment\nFee\n\nA fee charged when your\npayment is returned for\ninsufficient funds.\n\nWe may charge a returned payment fee in the amount set forth on the\nAccount Opening Disclosures.\n\nWHAT OTHER FEES MAY APPLY?\nThere may be times when circumstances result in a fee or other action being assessed on the Account. The Account Opening Disclosures\nlist the amounts of these fees. All such fees will be added to the Purchase balance, unless otherwise indicated. Additional fees for special\nservices you request may apply. You will be advised of the amount of such fees at the time of your request.\nFEE\nAnnual Fee\n\nWHAT IT MEANS\nA fee we may charge\nannually for use of the\nCard.\n\nWHAT WE WILL CHARGE YOU\nIf applicable, the Annual Fee will be reflected in your first billing statement\nafter the first Card is issued and subsequently on each anniversary of the\nissuance of the Card.\n\nBilling Statement\nReprint Fee\n\nYou can request a copy of\nyour billing statement.\n\nWe may add a billing statement Reprint fee of $2.50 to your Purchase\nbalance if you request a copy of your billing statement.\n\nCard Replacement\nRush Order Fee\n\nYou can request that a new\nor replacement Card be\nsent to you on an\nexpedited basis.\n\nWe will add a Rush Order fee of $25 to your Purchase balance if you\nrequest that a new or replacement Card be sent to you on an expedited\nbasis.\n\nHOW CAN WE MAKE CHANGES?\nWe may have a number of reasons why we need to make changes in this Agreement and the terms of your Account from time to time. We\ncan make these changes in accordance with law. Written notice will explain how changes apply.\nTYPE OF CHANGE\n\nWHAT MAY TRIGGER CHANGE\n\nADVANCE NOTICE\n\nOther APR increases on new\ntransactions\n\nIn the first year, an introductory\nAPR ends or the Prime Rate\nchanges. After that, any reason.\n\nNone for Introductory APR expiration. Other increases 45\ndays.\n\nIncrease or decrease to Credit\nLimits\n\nAny reason.\n\nNone\n\nSome fees and other terms\n\nAny reason.\n\nUp to 45 days for certain fee and Minimum Payment\nchanges.\n\nWHAT YOU MUST DO\n\nHOW IT AFFECTS YOU\n\nYour Card is lost or stolen, or\nyour Account has been\ncompromised?\n\nContact us immediately and stop\nusing your Account. Contact us at\nthe address or telephone number\nlisted on your billing statement or\nCard.\n\nYou will not be liable for any unauthorized use that occurs\nafter you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any\ncase, your liability will not exceed $50.\n\nYour Account is closed or\nsuspended?\n\nYou must still repay all amounts\nyou owe under this Agreement.\n\nYou remain responsible for your balance.\n\nWHAT HAPPENS IF?\n\n\x0cYour name, address,\ntelephone number, email\naddress or other information\nhas changed.\n\nNotify us of any change.\n\nWe may also ask you to provide us updated financial\ninformation about you, and you agree to do so.\n\nMOBILE WALLET SERVICE\nWHAT IT\nMEANS\nA way to make\nPurchases or\npayments using\na mobile device\n\nWHAT YOU AGREE TO\nYou may choose to add your Card number to a Mobile Wallet Service. If you do so, you acknowledge that we are\nnot a provider of the Wallet, we do not control the device and we are not responsible for any failure or inability to\nperform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet\nprovider to allow usage of your Card in the Wallet. We reserve the right to define product eligibility. You agree\nthat any such use of your Account will be subject to all the terms and conditions contained in this Agreement.\nYour applicable Purchase APR will apply to Purchases made using the Mobile Wallet Service. You acknowledge\nthat certain message and data rates may apply from your wireless service providers and/or wireless carriers\nwhich might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data\nusage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving\nor sending text messages, or other use of your mobile device when using the software or other products and\nservices provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and\nrestrictions and that we may contact you via your mobile device for any purpose concerning your Account with\nus, including Account servicing and collection purposes. We do not control the privacy and security of your\ninformation that may be held by the Wallet provider and that is governed by the privacy policy given to you by the\nWallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off\nimmediately at the completion of each access by you. You agree not to provide your password or other access\ninformation to any other person. If you believe that someone may have unauthorized access to your Mobile\nDevice, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree\nto provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your\nAccounts. You agree to take every precaution to ensure the safety, security and integrity of your Account and\ntransactions when using the Wallet. Except as otherwise required by law, we may at our sole discretion change\nthese terms, and modify or cancel the eligibility to use your Card with a Wallet service at any time, without notice.\nYou cannot change these terms, but you can terminate them by removing your Card from the Wallet. We reserve\nthe right to refuse any transaction for any reason.\nYou expressly understand and agree that your use of a Mobile Wallet Service is at your sole risk. Any material\ndownloaded or otherwise obtained through the use of the Wallet is obtained at your own discretion and risk, and\nwe are not responsible for any damage to your Mobile Device or loss of data that results from the download of\nany such material, whether due to any computer virus or otherwise. We make no representation or warranty as to\nthe completeness, accuracy, reliability, or currency of any information or data that you obtain through the use of a\nwallet.\n\nWHAT ARE OUR RIGHTS If YOU DEFAULT OR WE HAVE A DISPUTE?\nYour Default\n\nArbitration of\nDisputes\n\nAn Account will be in default if:\n1) you fail to make at least the Minimum Payment when due; 2) you violate any other provision of this Agreement;\n3) we believe you may be unwilling or unable to pay your debts on time; 4) you file for bankruptcy; or 5) you\nbecome incapacitated or die.\nIf your Account is in default, we may close your Account or terminate or suspend your credit privileges without\nnotice and require full payment of your outstanding balance immediately.\nWe can also begin collection activities. To the extent permitted by law, if you are in default because you have\nfailed to pay us, we will require you to pay our collection costs, attorneys\xe2\x80\x99 fees, court costs and all other expenses\nof enforcing our rights under this Agreement.\nThis Agreement contains an Arbitration Provision immediately below. Within 90 days after the date we\nopen your Account, you may elect to reject the Arbitration Provision by providing a written notice of your\nintention to do so to the address: Legal Division (745), Banco Popular de Puerto Rico, P.O. Box 362708,\nSan Juan, Puerto Rico 00936-2708. Unless you submit your rejection or to the extent permitted by\napplicable law, the Arbitration Provision will have a substantial impact on how any legal claims we have\nagainst each other are resolved if either you or we elect arbitration. For example, disputes subject to\narbitration are decided by a neutral arbitrator and not a judge or jury. This Arbitration Provision will not\napply to, or be enforceable against, covered borrowers under the protection of the Military Lending Act.\nThis Arbitration Provision shall not preclude you from pursuing or participating in a class action in court.\n\nARBITRATION PROVISION\nIMPORTANT WAIVERS: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE BOTH WAIVE THE RIGHT TO: (1) HAVE\nA COURT OR A JURY DECIDE THE CLAIM; (2) PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION, WHETHER\nAS A CLASS REPRESENTATIVE, CLASS MEMBER OR OTHERWISE, OR ACT AS A PRIVATE ATTORNEY GENERAL IN COURT\nOR IN ARBITRATION (THE \xe2\x80\x9cCLASS ACTION WAIVER\xe2\x80\x9d); (3) JOIN OR CONSOLIDATE CLAIM(S) WITH CLAIMS INVOLVING ANY\nOTHER PERSON OR (4) OBTAIN INFORMATION EXCEPT AS PROVIDED HEREIN. OTHER RIGHTS ARE MORE LIMITED IN\nARBITRATION THAN IN COURT OR ARE NOT AVAILABLE IN ARBITRATION.\n\n\x0cDEFINITIONS \xe2\x80\x93 In this Arbitration Provision, the following definitions will apply:\n\xe2\x80\x9cAdministrator\xe2\x80\x9d means, as applicable, the American Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) or J.A.M.S./Endispute (\xe2\x80\x9cJAMS\xe2\x80\x9d) or if the\nAAA and JAMS cannot or will not serve, an arbitration administrator agreed-upon by the parties or appointed by a court, provided that\nthe Administrator must not have in place a formal or informal policy that is inconsistent with and purports to override the terms of this\nArbitration Provision. You may select the Administrator when you give written notice of an election to arbitrate a Claim or within 20\ndays after we give such a written notice. Otherwise, we will select the Administrator.\n\xe2\x80\x9cClaim\xe2\x80\x9d means any legal claim, dispute or controversy between you and us that arises from or relates in any way to this Agreement\nor the credit card Account including: (i) the fees or charges we or other parties impose in connection with this Agreement or the credit\ncard Account or the other provisions of this Agreement; (ii) the interest, if any, paid on the credit card account; (iii) any application,\ndisclosure or other document relating in any way to this Agreement; (iv) any service or product offered or made available by or\nthrough us in connection with this Agreement, including any associated fees, charges, terms or disclosures; (v) any documents,\ninstruments, advertising or promotional materials that contain information about this Agreement or credit card Account, or any other\nsuch service or product; and (vi) the relationships resulting from any of the foregoing. This includes, without limitation, disputes\ninvolving alleged fraud or misrepresentation, breach of contract, negligence or violation of statute, regulation or common law; and\ndisputes involving requests for injunctions or other equitable relief. However, \xe2\x80\x9cClaim\xe2\x80\x9d does not include: (a) any individual action\nbrought by you in small claims court or your state\xe2\x80\x99s equivalent court, unless such action is transferred, removed or appealed to a\ndifferent court; (b) any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any\npart thereof (including, without limitation, the Class Action Waiver set forth below, subparts (A) and (B) of the part set forth below titled\n\xe2\x80\x9cSurvival, Primacy, Severability\xe2\x80\x9d and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to\ndecide (but any challenge to this Agreement as a whole is for an arbitrator and not a court to decide); or (c) any exercise by us of our\nright to off-set against the amounts you owe us with the amounts you have on deposit with us or any proceeding by you to enjoin the\nexercise of such right.\nSTARTING ARBITRATION \xe2\x80\x93 To initiate arbitration, you or we must give written notice of an election to arbitrate. This notice may be\ngiven after a lawsuit has been filed and may be given in papers or motions in the lawsuit, such as a motion to compel arbitration.\nEven if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new\nparty or any Claim later asserted by a party in that or any related or unrelated lawsuit (including a Claim initially asserted on an\nindividual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a\nwaiver of any rights under this Arbitration Provision. If notice of an election to arbitrate is given, the Claim shall be resolved by\narbitration under this Arbitration Provision and the applicable rules of the Administrator then in effect. The arbitrator will be selected\nunder the Administrator\xe2\x80\x99s rules, except that the arbitrator must be a lawyer with at least 10 years of experience or a retired judge,\nunless you and we agree otherwise.\nLOCATION AND COSTS \xe2\x80\x93 Any arbitration hearing that you attend will take place in a location that is reasonably convenient to you.\nWe will consider (and generally honor) any good faith request to bear the fees charged by the Administrator and the arbitrator(s).\nEach party shall pay its own expenses; provided, if we lose, we will also pay all fees charged by the Administrator and the arbitrator(s)\nand all reasonable fees of your attorneys. In all cases, we will pay all fees and costs (including attorneys\xe2\x80\x99 fees) we are required to\nbear under applicable law and/or in order for us to enforce this Arbitration Provision.\nDISCOVERY; GETTING INFORMATION \xe2\x80\x93 Either party may obtain from the other party prior to the hearing any information available\nunder the Administrator\xe2\x80\x99s rules or any information the arbitrator determines should be made available.\nEFFECT OF ARBITRATION AWARD \xe2\x80\x93 Any court with jurisdiction may enter judgment upon the arbitrator\xe2\x80\x99s award. The arbitrator\xe2\x80\x99s\naward will be final and binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa71 et seq. (the \xe2\x80\x9cFAA\xe2\x80\x9d);\nand (2) Claims involving more than $50,000. For Claims involving more than $50,000, any party may appeal the award to a threearbitrator panel appointed by the Administrator, which will reconsider de novo any aspect of the initial award that is appealed. The\npanel\xe2\x80\x99s decision will be final and binding, except for any appeal right under the FAA.\nGOVERNING LAW \xe2\x80\x93 This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be\ngoverned by the FAA, and not by any state law concerning arbitration, provided that the law of New York shall be applicable to the\nextent that any state or territorial law is relevant in determining the enforceability of this Arbitration Provision under Section 2 of the\nFAA. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and\napplicable privilege rules, and shall be authorized to award all remedies that would apply under applicable law to an individual action\nbrought in court, including, without limitation, compensatory, statutory and punitive damages (subject to constitutional limits that would\napply in court), declaratory, injunctive and other equitable relief (but only in favor of the individual party seeking relief and only to the\nextent necessary to provide relief warranted by that party\xe2\x80\x99s individual claim), and attorneys\xe2\x80\x99 fees and costs. Upon the timely request of\neither party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will follow rules of procedure\nand evidence consistent with the FAA, this Arbitration Provision and the Administrator\xe2\x80\x99s rules.\nSURVIVAL, PRIMACY, SEVERABILITY \xe2\x80\x93 This Arbitration Provision shall survive closure of your credit card Account; our sale or\ntransfer of our rights under this Agreement; any legal proceeding or set-off to collect a debt owed by you; or any bankruptcy or\ninsolvency. In the event of any conflict or inconsistency between this Arbitration Provision and the Administrator\xe2\x80\x99s rules or this\nAgreement, this Arbitration Provision will govern. If any portion of this Arbitration Provision cannot be enforced in a proceeding\nbetween you and us, the rest of the Arbitration Provision will continue to apply, except that: (A) the entire Arbitration Provision (except\nfor this sentence) shall be null and void if the class action waiver is held to be invalid regarding any class or representative Claim in a\nproceeding between you and us, subject to any right to appeal such holding, and (B) if a Claim is brought seeking public injunctive\nrelief and a court determines that the restrictions in the class action waiver or other parts of this Arbitration Provision prohibiting the\narbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination\nbecomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any\nindividual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for\npublic injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for\nclass-wide relief or for public injunctive relief be arbitrated.\nBREACH OF ARBITRATION AGREEMENT \xe2\x80\x93 If either party fails to submit to arbitration following a proper demand to do so, that party\nshall bear all costs and expenses, including reasonable attorneys\xe2\x80\x99 fees, incurred by the other party in seeking to compel arbitration.\n\n\x0cContacting Arbitration Administrators\nIf you have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to obtain a copy of their\nArbitration Rules or fee schedules, you can contact them as follows: American Arbitration Association, 1633 Broadway, 10th Floor,\nNew York, New York 10019, www.adr.org, (800) 778-7879. Commercial or Consumer Rules, J.A.M.S./Endispute, 222 South Riverside\nPlaza, Suite 1850, Chicago, IL 60606; www.jamsadr.com (800) 352-5267, Financial Services Arbitration Rules and Procedures.\nWHAT OTHER TERMS APPLY TO OUR RELATIONSHIP?\nClosing the\nAccount\n\nYou may close your Account at any time by notifying us either in writing at the address shown on your billing\nstatement or by phone at the number provided on your billing statement. We will not honor any Convenience\nCheck or authorize any transactions after your Account is closed. We may close or suspend your Account for any\nreason, including but not limited to operational matters, the Account is in default, or for suspected fraudulent or\nunlawful activity. If we do so, you may not use your Card or any checks we have issued. In either case, You\nremain responsible for any balance on your Account, which will continue to accrue Interest Charges and fees and\nremain subject to all terms of this Agreement.\n\nPrivacy\n\nThe Popular, Inc. (our holding company) Privacy Notice explains how we collect and share your information.\n\nCommunications\n\nWe may send Cards, billing statements, and other communications to you at any mailing or email address in our\nrecords. We may also send an email to any address where we reasonably believe we can contact you. By\nproviding a telephone number for a cellular telephone, other wireless device, or a landline number that is later\nconverted to a wireless device, you are expressly consenting to receiving communications at that number,\nincluding, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an\nautomatic telephone dialing system from Banco Popular and its affiliates, agents or assigns. If the wireless device\nis not registered in your name, you represent that you are its primary user and have the authority to provide this\nconsent. This express consent applies to each such telephone number that you provide to us now or in the future\nand permits such calls regardless of their purpose.\nSome of the legal purposes for calls and messages include suspected fraud or identity theft, obtaining\ninformation; transaction on or servicing of the Account; collecting on the Account, and providing you information\nabout product and services. These calls and messages may incur access fees from your cellular provider. You\nmust notify us immediately of any changes to your contact information using the address or phone number shown\non your billing statement.\n\nTelephone\nMonitoring\n\nWe may listen to and record your telephone calls with us.\n\nCredit\nInformation\n\nWe may obtain and review your credit history or other information about you from credit reporting agencies and\nothers, including in connection with the processing, establishment, servicing and collection of your Account. We\nmay also obtain additional credit reports or other information about you in connection with the same transaction\nor extension of credit, for the purpose of reviewing your Account, increasing the credit line on your Account, for\nthe purpose of taking collection action on your Account, or for other legitimate purposes associated with your\nAccount. You may ask whether a credit report was obtained by us and we will tell you the name and address of\nthe credit reporting agency, if a report was obtained.\nWe may provide information about you and your Account to credit reporting agencies and others. Late payments,\nmissed payments, or other defaults on your Account may be reflected in your credit report. A negative credit\nreport reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. We may provide information to credit reporting agencies about this Account in the name\nof an authorized user. If you think we provided incorrect information, write to us at the address provided on your\nbilling statement and we will investigate.\n\nEnforcement\n\nWe may choose to delay enforcing or waive any of our rights under this Agreement. We can delay enforcing or\nwaive any of our rights without affecting our other rights. If we waive a right, we do not thereby waive the same\nright in other situations.\n\nApplicable Law\n\nThis Agreement and the Account will be governed by federal law, and to the extent state or territorial law is\napplicable, the laws of the Commonwealth of Puerto Rico, and these laws will apply no matter where you live or\nuse this Account.\n\nAmendments\n\nWe may change or terminate all or any part of this Agreement, including APRs and fees, at any time. We may\nalso add new terms or delete terms. Any changes will be in accordance with applicable law, and we will provide\nnotice as required by law.\n\nAssignment\n\nWe may sell, assign or transfer the Agreement and the Account or any portion thereof without notice to you, and\nthe purchaser, assignee, or transferee shall have the same rights as we do under this Agreement. You may not\nsell assign or transfer the Account.\n\nSeverability\n\nExcept as specifically provided in the arbitration section above, if any provision of this Agreement is finally\ndetermined to be void or unenforceable under any law, rule or regulation, all other provisions of this Agreement\nwill remain valid and enforceable.\n\nRestrictions on\nUse\n\nBanco Popular may restrict use of your Card in any jurisdiction or country where such use would be contrary to\nU.S. law or regulation, or which is identified as presenting a high risk of fraud.\n\n\x0cNotice Legal Rights and Protections under the Military Lending Act\nIf you are a service member on \xe2\x80\x9cactive duty\xe2\x80\x9d or \xe2\x80\x9cactive service\xe2\x80\x9d, or a spouse or dependent of such service member you may be entitled\nto certain protections pursuant to the Military Lending Act (MLA) [32 CFR Part 232]. The following statement only applies if you are a\ncovered borrower under the Military Lending Act (MLA) [32 CFR Part 232].\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forced and his or her dependent may not exceed an annual\npercentage rate of 36%. This rate must Include, as applicable to the credit transaction or account: the costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation\nfees for a credit card account). If you would like to obtain these disclosures orally, you may call the toll-free number 1-844-773-6499.\nYOUR BILLING RIGHTS \xe2\x80\x93 Keep this document for future use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Billing Statement\nIf you think there is an error on your billing statement, write us at the address shown on your billing statement. In your letter, give us\nthe following information.\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of the problem: If you think there is an error on your billing statement, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your billing statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the billing statement is\ncorrect.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your billing statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question, or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You have to pay the amount in question, along with applicable interest and fees. We will\nsend you a billing statement of the amount you owe, and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount, we think you owe.\nIf you receive our explanation but still believe your billing statement is wrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as delinquent without also reporting you are questioning your billing statement.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of these rules above, you do not have to pay the first $50 of the amount you question even if your billing\nstatement is correct.\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state (or territory) or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement, we mailed to you, or if we own the company that sold the good or services.)\n2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an ATM or with a check that\naccesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address shown on your\nbilling statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c\x0c'


b'1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\n(https://www.popular.vi/)\n\nVisa Cash Rewards - Terms and Conditions\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n1.99% introductory APR for the rst 6 months.\nAfter that, your APR will be from 13.24% up to 26.24% , based on\nyour creditworthiness. This APR will vary with the market based on\nthe Prime Rate. 1\n\nAPR for Balance Transfers\n\n0.00% introductory APR and 0 payments from the transfer date for\n12 months and $0 balance transfer fee. Applies to transfers made\nwithin the rst 90 days from account opening. Requires\ncancellation of the credit card from which the balance is\ntransferred.\nAfter that, your APR will be from 13.24% up to 26.24%, based on\nyour creditworthiness. This APR will vary with the market based on\nthe Prime Rate. 1\n\nAPR for Cash Advances\n\n24.24% to 28.24% when you open your account, based on your\ncreditworthiness.\nThis APR will vary with the market based on the Prime Rate. 1\n\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n1/6\n\n\x0c1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\nInterest Rates and Interest Charges\nPenalty APR and When it Applies\n\n29.99% This APR may be applied to your account if you miss a\nrequired minimum payment for a period of sixty (60) consecutive\ndays from its due date.\nHow Long Will the Penalty APR Apply? If your APRs are increased\nfor this reason, the Penalty Rate will remain in e ect until the\naccount becomes current and 6 consecutive required minimum\npayments are received on or before the payment due date.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle.\nYou will not be charged interest from the time you purchased\ngoods or services, if you pay your full account balance by the\nPayment Due Date. In the event you don\'t pay the full account\nbalance, while in the Grace Period, you will not pay interest on the\namount paid for that cycle. On subsequent cycles you will not have\na Grace Period until you pay your full account balance on time for\ntwo cycles in a row. Amounts related to certain o ers will not be\ntaken into consideration in determining the Grace Period. Please\nrefer to the o er terms and conditions. The No Grace Period\nTransactions begin to accrue interest on the date they are posted\nand remain subject to Interest Charges until paid in full.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau (http://www.consumer nance.gov/learnmore/).\n\nFees\n\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n2/6\n\n\x0c1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\nFees\nAnnual Fee\n\n$0 Annual Fee\n$0 Additional Card Fee\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advances and Convenience Checks\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Foreign Transaction\n\n2% of the amount of each transaction (minimum $2; maximum\n$10)\n2% of the amount of each transfer (minimum $2; maximum $10)\n1% of each transaction in U.S. dollars for Visa International\n\nPenalty Fees\n\xe2\x80\xa2 Returned Payment\n\nUp to $10\n\n\xe2\x80\xa2 Late Payment\n\nUp to $38\n\nHow we will calculate your balance: We use a method called "average daily balance" (including new transactions).\nLoss of introductory APR: We may end your introductory APRs and apply the corresponding APRs if you close your\naccount or if you miss a payment.\nBilling Rights: Information on your right to dispute transactions and how to exercise this right is provided in your\nCredit card Agreement.\n\nI con rm I have reviewed the credit card Price and Terms and agree to submit my application.\nI authorize Popular to obtain my credit report, as speci ed here (/credit-report).\nI con rm I have reviewed Popular\xe2\x80\x99s Privacy Policy, as speci ed here (/privacy).\nI agree with the website\xe2\x80\x99s Terms of Use, as speci ed here (/terms).\n\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n3/6\n\n\x0c1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\nI agree with the Electronic Banking Services Agreement, as speci ed here\n(https://documents.popular.com/terms/mibanco/terms-conditions-en).\n\xee\x80\x93\n\nAgree\n\nContinue\n\nThe information on card costs described is correct as of December 31, 2020.\nThis information may have varied after this date. To verify what may have changed in this information call (787) 7580505 or toll free 1-800-981-9505 or write to the following address:\nPopular de Puerto Rico\nCard Products Division (643)\nPO BOX 363228, San Juan, Puerto Rico 00936-3228\nIMPORTANT NOTICE USA PATRIOT ACT\nSection 326 of the USA PATRIOT Act was e ective on April 17, 2015. This law requires nancial institutions to obtain,\nverify, and record the information that identi es persons opening accounts. The USA government created this law as a\nmeasure to ght terrorism and money laundering.\nWhen you open an account:\nWe will ask your name, home or street address, date of birth, social security number, and any other information\ndeemed necessary to allow us to positively identify you.\nWe will ask to see your valid driver\'s license or other valid identi cation with photo issued by the government.\nThanks for allowing us to serve you. Con dentiality of the information gathered by Popular, Inc. will be maintained as\nrequired under the Privacy Act.\n1\n\nFor each billing period, the Interest Charge and APR will be determined by adding the Prime Rate, as published by\nthe Wall Street Journal, to a margin. The variable rates illustrated are based on a Prime Rate of 3.25% in e ect March\n16, 2020.\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n4/6\n\n\x0c1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\nBack to top\n\n(https://www.facebook.com/PopularVI)\n\nContact us (contact-us/)\nEspa\xc3\xb1ol (https://www.popular.vi/es/tarjetas-credito/cash-rewards/terminos-y-condiciones/usvi/)\n\nOnline Security (https://www.popular.com/en/security/)\nFDIC Insurance Notice (fdic/)\nPrivacy Policy (https://www.popular.com/en/privacy/)\nTerms and Conditions of Use (terms/)\nDiversity and Inclusion Policy (https://www.popular.com/en/diversity-policy/)\nAccessibility (accessibility/)\nWeblinking Practices (weblinking-practices/)\nZAPortal for Employees (https://zap.popularinc.com)\nZAPortal Popular Retirees (https://zap.popularinc.com/zaplogon/rsa_step1.jsp)\nFind a Branch or ATM (https://locator.popular.com/?lang=en&region=vi)\n\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n5/6\n\n\x0c1/22/2021\n\nVisa Cash Rewards - Terms and Conditions\n\nBank Routing Number\n021502011\n\nTeleBanco Popular\xc2\xae\n1.888.724.3659\n\nHearing impaired (TDD)\n1.800.981.9666\n\nContact us\nRte 308, Charlotte Amalie West, St Thomas 00802, USVI\n\n\xc2\xa9 2021 Popular. Member FDIC, except BVI.\n\nhttps://www.popular.vi/cards/credit-cards/cash-rewards/terms-and-conditions/usvi/\n\n6/6\n\n\x0c'