b'Wealth Management Visa Signature Credit Card Agreement\n(May Not Be Available to Residents of All States)\nThis Agreement and the documents listed below govern the use of your Visa Signature credit card account\nwith BBVA USA (\xe2\x80\x9cAccount\xe2\x80\x9d) which may be drawn upon by using either the Visa Signature credit card (a \xe2\x80\x9cCard\xe2\x80\x9d)\nor the Checks which have been imprinted with your name and account number (\xe2\x80\x9cChecks\xe2\x80\x9d) furnished by BBVA\nUSA. These other documents are part of this Agreement:\n\xe2\x80\xa2\n\nThe application or solicitation (\xe2\x80\x9cApplication\xe2\x80\x9d) you signed or otherwise gave us to ask for the Account; and\n\n\xe2\x80\xa2\n\nThe folder sent with each Card (\xe2\x80\x9cCard Folder\xe2\x80\x9d).\n\nPlease read and keep these documents for your records.\n1.\n\nParties and Addresses:\n(a)\n\nBank: In this Agreement, \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to BBVA USA and anyone to whom we\ngive or sell your Account. Unless we tell you otherwise, our mailing address is: BBVA USA\nCard Center, P.O. Box 2210, Decatur, Alabama 35699-0001.\n\n(b)\n\nYou: \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person (1) who applied for the Account, or (2) who agreed to\nbe responsible for the Account. We will send bills and other notices to the address you give us.\nYou promise to tell us right away if that address changes.\n\n2.\n\nJoint Accounts: If you have a joint Account, each of you may use the Account. We may ask any one of\nyou to pay any balance due. Any one of you may give us any notice under this Agreement. If you give us\ndifferent notices or make different requests, we may pick which one to honor without telling any of you.\nWe will not owe anything to you or anyone else because we picked one of your notices or requests.\n\n3.\n\nPromise to Pay: You promise to pay us for all transactions on your Account, including those by anyone\nwhom you allow to use the Account. You also promise to pay any interest, fees and other amounts you\nowe us under this Agreement. By keeping, using or permitting others to use the Account or any Card, you\nagree to the terms of this Agreement.\n\n4.\n\nGoverning Law: This Agreement and your Account will be governed by (1) federal law, and (2) to\nthe extent not preempted by federal law, the laws of Alabama, without regard to its conflicts of law\nprovisions. We accepted this Agreement in Alabama.\n\n5.\n\nChanging This Agreement: We may change this Agreement unless an applicable law says we may not.\nWe will tell you when changes will be effective and how they will apply to your Account. You may not\nchange this Agreement unless we agree in writing.\n\n6.\n\nUsing Your Account: You may use your Account to make two types of transactions:\n(a)\n\nPurchases: You may purchase or lease goods or services from any merchant that accepts your\nCard or Account.\n\n(b)\n\nCash Advances: You may obtain cash or other advances by using your Card or Account in any of\nthe following ways:\n\xe2\x80\xa2\n\nFrom us or any other financial institution or automated teller machine (\xe2\x80\x9cATM\xe2\x80\x9d) that\naccepts your Card;\n\n\xe2\x80\xa2\n\nBy using a Check as explained in Section 16 below. Payments you make to another\ncreditor using a Check are Cash Advances under this Agreement;\n\n\xe2\x80\xa2\n\nBy purchasing items that can be traded right away for cash, such as wire transfers,\nmoney orders, traveler\xe2\x80\x99s checks, lottery tickets or casino chips; or\n\nF03-X957-1 Y/CFPB MLA rev 06/2019 RB\n\n1\n\n\x0c\xe2\x80\xa2\n\nBy placing bets or wagers (if legal) or to make tax or other similar payments.\n\n7.\n\nIllegal and Online Gambling Transactions: You agree not to use your Account for any transaction that\nis illegal where you live or where the transaction takes place. You must find out if a transaction is legal\nbefore you make it. You also agree not to use your Account for any Internet or online gambling\ntransaction, even if it is legal. We may refuse to authorize any illegal, Internet or online gambling\ntransaction. If we do authorize the transaction, you agree to pay us for it unless an applicable law says\nyou may not.\n\n8.\n\nCredit Limits: We will tell you your starting credit limits on the Card Folder. Your billing statements also\nwill show your credit limits and available credit.\n\n9.\n\n10.\n\n(a)\n\nSeparate Limits: We will give you a credit limit for your Account. We also may give you different\nlimits for different types of transactions. For example, we may tell you that you can only use part\nof your credit limit for Cash Advances.\n\n(b)\n\nWhen Your Payments Increase Available Credit: We may delay increasing your available credit\nfor up to 10 days after you make a payment.\n\n(c)\n\nAuthorizing Requested Transactions: Each attempt by you or any authorized user to make a\nPurchase or to obtain a Cash Advance on your Account, whether with a Card or Check or\notherwise, is considered a request for credit under this Agreement in the amount of that\ntransaction (a \xe2\x80\x9cRequested Transaction\xe2\x80\x9d). Your Account has no pre-set spending limit. This does\nnot mean that you may make unlimited Purchases or obtain unlimited Cash Advances. It means\nthat we will evaluate each Requested Transaction and determine, in our sole discretion, whether\nto authorize or make payment on that transaction based on a variety of factors, which may\ninclude your Account history, your relationship with us, information from consumer credit reports\nobtained from credit bureaus, our understanding of your payment resources, the outstanding\nbalance on your Account, prior Cash Advances on your Account, safety and soundness\nconsiderations, and whether the transaction appears to be fraudulent. In certain circumstances,\nwe may ask for additional information to determine whether we will authorize or make payment on\na Requested Transaction. If we authorize or make payment on any Requested Transaction that\nwould cause the outstanding balance on your Account to exceed your credit limit, you will be\nrequired to pay, as part of your next Minimum Payment Due, the full amount by which your New\nBalance exceeds your credit limit, as provided more fully in Section 13 below. This Agreement will\napply to any credit we have extended to you in excess of your credit limit.\n\n(d)\n\nChanges to Your Credit Limit: You may request an increase in your credit limits by calling us at 1866-681-0484, and we might agree to your request. We may change your credit limits at any\ntime. For example, we may (1) increase or decrease any of your credit limits or (2) cancel your\navailable credit. We will tell you first or get your permission if an applicable law requires us to.\nYou still will have to pay all amounts you owe under this Agreement.\n\nBilling Statements: We will send you a bill at the end of each monthly billing cycle if applicable law\nrequires. Read each bill as soon as you get it. Tell us right away if you see any error or problem. Your bill\nwill show important information about your Account, including:\n\xe2\x80\xa2\n\nThe unpaid balance at the end of the billing cycle (\xe2\x80\x9cNew Balance\xe2\x80\x9d);\n\n\xe2\x80\xa2\n\nThe minimum amount of your next payment (\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d);\n\n\xe2\x80\xa2\n\nWhen your next payment is due (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d); and\n\n\xe2\x80\xa2\n\nThe date of the bill (\xe2\x80\x9cStatement Date\xe2\x80\x9d).\n\nInterest: Each billing cycle, we will charge interest to you on the average daily balance for each type of\ntransactions on your Account. By type of transactions, we mean Purchases, Cash Advances and any\ntransactions subject to a special offer. To calculate the interest owed on your Account for each billing\ncycle, we first figure out the average daily balance for each type of transactions. Next, we multiply the\n2\n\n\x0caverage daily balance by the applicable interest rate. Interest rates are explained in the next section.\nThen, we multiply the resulting amount by the number of days in the billing cycle. After calculating the\namount of interest owed for each type of transactions, we add together these amounts to determine the\ntotal amount of interest owed on your Account for the billing cycle.\n(a)\n\nAverage Daily Balance: To get the average daily balance for each type of transactions, (1) we\ntake the beginning balance for that transaction-type, (2) we add any new transactions, debits and\nfees, and (3) subtract any payments or credits. This gives us the daily balance.\n\xe2\x80\xa2\n\nThe beginning balance for Purchases will include any unpaid Purchase transactions; any\nunpaid interest on those Purchases; any unpaid Late Fee, Returned Payment Fee and\nDocument Fee; and any unpaid Foreign Transaction Fee charged on a Purchase,\nincluding any Purchase subject to a special offer APR.\n\n\xe2\x80\xa2\n\nThe beginning balance for Cash Advances will include any unpaid Cash Advance\ntransactions; any unpaid interest on those Cash Advances; any unpaid Skip Payment\nFee, Expedited Payment Fee, Transfer Fee and Rate Reduction Fee; and any unpaid\nCash Advance Fee and Foreign Transaction Fee charged on a Cash Advance, including\nany Cash Advance subject to a special offer APR.\n\n\xe2\x80\xa2\n\nThe beginning balance for any transactions subject to a special offer APR will include any\nunpaid balance on those transactions, and any unpaid interest on those transactions.\n\nNext, we add up all the daily balances for the billing cycle, and then divide this total by the\nnumber of days in the billing cycle. This gives us the average daily balance.\n\n11.\n\n(b)\n\nWhen Interest Charges Start on Cash Advances: We start charging interest on Cash Advances\non the transaction date. For Checks, the transaction date is the later of (1) the date we get and/or\npay the Check or (2) the first day of the billing cycle in which we add the transaction to your\nAccount. For other Cash Advances, the transaction date is the later of (1) the date you get the\nCash Advance or (2) the first day of the billing cycle in which we add the transaction to your\nAccount. There is no way to avoid interest on Cash Advances.\n\n(c)\n\nAvoiding Interest on Purchases (Grace Period): Your Payment Due Date is at least 25 days after\nthe close of each billing cycle. We will not charge you interest on Purchases if you pay your entire\nbalance by the Payment Due Date each billing cycle. Where required by applicable law, we will\nnot charge interest on any portion of a Purchase balance that is repaid by the first specified due\ndate after each Purchase was made if you paid the entire balance for the previous billing cycle by\nthe specified due date. Except as described above, if you do not pay your entire balance by the\nPayment Due Date, we will start charging interest on each new Purchase on the later of (1) the\ndate you make the Purchase, or (2) the first day of the billing cycle in which we add the Purchase\nto your Account. We will pay down your Purchase balance and other balances as described in\n\xe2\x80\x9cPayment Allocation\xe2\x80\x9d in Section 13(d) below.\n\nInterest Rates: We figure out how much interest you owe each billing cycle using daily periodic rates. We\nget the daily periodic rates by dividing each annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) below by 365. The interest\nrates that apply to your Account are variable rates that may change from month to month.\n(a)\n\nAPR for Purchases: The APR for Purchases will be equal to the Prime Rate plus one point ninetynine percentage points (1.99%).\n\n(b)\n\nAPR for Cash Advances: The APR for Cash Advances will be equal to the Prime Rate plus one\npoint ninety-nine percentage points (1.99%).\n\n(c)\n\nDiscounted Introductory APR: From time to time we may offer a discounted introductory APR.\nAny discounted introductory APR that applies to your Account will be shown on the Card Folder.\n\n(d)\n\nVariable Rates: Except for any discounted introductory APR, your APRs will vary with the market\nbased on the Prime Rate. We use the Prime Rate in the Wall Street Journal in effect at the close\n3\n\n\x0cof business on the last business day of the calendar month ending within each billing cycle. Your\nAPRs may increase if the Prime Rate increases. If your APRs increase, the amount of interest\nyou will owe and the Minimum Payment Due may increase.\n(e)\n\n12.\n\nReevaluation of Increased Rates: If the APRs on your Account are increased, we will reevaluate\nyour Account as required by law to determine whether you qualify for an APR reduction.\n\nFees: You agree to pay the following fees, which will be charged to your Account.\n(a)\n\n(b)\n\n(c)\n\nTransaction Fees:\n\xe2\x80\xa2\n\nCash Advance Fee: For each Cash Advance drawn on your Account, a fee of $10 or 2%\nof the Cash Advance, whichever is greater, except that the Cash Advance Fee will not\nexceed $100. This fee will not be charged on any Cash Advance obtained through the\nuse of a Check.\n\n\xe2\x80\xa2\n\nForeign Transaction Fee: A fee of 2% of each transaction made (1) in a foreign currency,\n(2) outside of the United States, or (3) with a foreign merchant, even if that transaction is\nmade in U.S. dollars. We may charge a Foreign Transaction Fee for each transaction\n(including returns or refunds) at the time we add the transaction to your Account. The fee\nwill be based on the U.S. dollar amount Visa provided to us.\n\nPenalty Fees: We will charge penalty fees in an amount established by the Bureau of Consumer\nFinancial Protection, which currently is $25. The Bureau of Consumer Financial Protection may\nadjust this amount annually to reflect changes in the Consumer Price Index (CPI), and we may\nrevise any of the penalty fees below to reflect the CPI adjustments. We will not charge more than\none penalty fee for a single event or transaction that violates multiple terms of this Agreement.\n\xe2\x80\xa2\n\nLate Fee: A fee if we do not receive at least the Minimum Payment Due by the Payment\nDue Date (or the next business day if your Payment Due Date falls on a Saturday,\nSunday or holiday). The amount of this fee will be $25 or the full amount of the Minimum\nPayment Due (as shown on your billing statement) that was due immediately before the\nfee is assessed (rounded up or down to the nearest dollar), whichever is less.\n\n\xe2\x80\xa2\n\nReturned Payment Fee: A fee if a check or similar instrument or any debit for payment on\nyour Account is returned unpaid for any reason. The amount of this fee will be $25 or the\nfull amount of the Minimum Payment Due that was due immediately before the payment\nwas returned (rounded up or down to the nearest dollar), whichever is less. We will\ncharge the fee even if the check or debit is later honored or paid.\n\n\xe2\x80\xa2\n\nReturned Check Fee: A fee if we return a Check for any reason. The amount of this fee\nwill be $25 or the amount of the Check that is returned (rounded up or down to the\nnearest dollar), whichever is less.\n\nOther Fees:\n\xe2\x80\xa2\n\nStop Payment Fee: A fee of $29 for each stop payment request on a Check, as described\nin Section 16, whether or not we actually stop payment, subject to any restrictions of\napplicable law.\n\n\xe2\x80\xa2\n\nExpedited Delivery Fee: A fee of $20 if you request and we agree to arrange for\nexpedited delivery of any Card or Checks to you (for example, by an overnight delivery\nservice).\n\n\xe2\x80\xa2\n\nDocument Fees: If you request copies of sales slips, paid Checks or duplicate copies of\nbilling statements, we will charge $5 for each item requested. There will be no charge for\nany item you request in good faith in connection with the resolution of any disputed billing\nmatter.\n\nF03-X957-1 Y-MLA rev 06/2019 RB\n\n4\n\n\x0c13.\n\n\xe2\x80\xa2\n\nExpedited Payment Fee: A fee of $15 if you request us to expedite payment on your\nAccount by debiting any deposit or other account you designate, and we honor your\nrequest.\n\n\xe2\x80\xa2\n\nSkip Payment Fee: A fee of $35 if we offer and you accept the option to skip any monthly\npayment and your Minimum Payment Due would have been $200 or more.\n\n\xe2\x80\xa2\n\nRate Reduction Fee: A fee of $20 if a reduction in any interest rate, fee or other charge\nis offered by us and accepted by you, or requested by you and honored by us, even if this\nreduction is only for a temporary or limited time period. If we intend to charge this fee, we\nwill tell you about the fee orally or in writing at the time we offer or agree to the reduction.\n\nMinimum Payment Due: The Minimum Payment Due each billing cycle will depend on your New\nBalance.\n(a)\n\nYou must pay the greater of:\n\xe2\x80\xa2\n\n$10; or\n\n\xe2\x80\xa2\n\n2% of either the New Balance or the amount of your credit limit, whichever is less,\nrounded up or down to the nearest dollar plus (1) any unpaid Minimum Payments Due\nfrom previous bills and (2) any amount of your New Balance that exceeds your credit limit\nand is not already included as part of any unpaid Minimum Payments Due from previous\nbills.\n\nHowever, if the New Balance is less than $10, you must pay the New Balance.\n\n14.\n\n(b)\n\nWhat Happens if You Pay More: You may pay more than the Minimum Payment Due at any time.\nYou will not owe us any additional charge for early payment. If you pay more than the Minimum\nPayment Due in one billing cycle, you still have to pay the full Minimum Payment Due in the next\ncycles. You cannot increase the amount of your credit limit by paying more than the unpaid\nbalance on your Account.\n\n(c)\n\nSkip Payment Offers: We may let you skip a payment. We will tell you when you can skip a\npayment. If you do, (1) we may charge a fee in an amount we tell you at the time of the offer, (2)\nyou will owe interest for the skipped billing cycle, (3) you will lose any grace period that otherwise\nwould apply and (4) you must pay the regular Minimum Payment Due for the next billing cycle.\n\n(d)\n\nPayment Allocation: We will use your Minimum Payment Due to pay down balances on your\nAccount (including Purchases, Advances, interest, fees and other amounts) in any way we\nchoose, unless an applicable law says we may not. If you make a payment that is larger than the\nMinimum Payment Due, we will apply the extra amount first to the balance with the highest\ninterest rate, and any remaining portion of that extra amount to the other balances in descending\norder based on the applicable interest rate.\n\nMaking Payments: You must pay us in U.S. dollars. Mail your personal check or money order to the\naddress shown on your bill. Do not send cash. If you do not follow these instructions, we might not credit\nthe payment for up to five business days after we get it.\n(a)\nDisputed\nPayments:\nIf you dispute any amount we say you owe under this\nAgreement, you must write to us at BBVA USA Card Center, P.O. Box 2101, Decatur, Alabama\n35602- 2101. If you pay us with a check marked with \xe2\x80\x9cpayment in full\xe2\x80\x9d or similar words, you\nmust send it to this address. Subject to any restrictions of applicable law: (1) the words\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or similar words will have no effect; and (2) we can take disputed\npayments without giving up any of our rights.\n(b)\n\nPaying at Branches, Online and By Telephone: If we let you pay at one of our branches, we will\ncredit the payment as of the day we get it. If we let you pay online or by phone, we will tell you\nhow to pay and when your payment will be credited.\n5\n\n\x0c(c)\n\nTiming for Mailed Payments: If you mail a payment to the address shown on your bill, your\npayment will not be considered late if we receive it by 5 p.m. Central Time on the Payment Due\nDate (or the next business day if your Payment Due Date falls on a Saturday, Sunday or holiday).\n\n15.\n\nSpecial Offers: We may make a special offer to you. For example, we may offer a reduced promotional\ninterest rate. Such offers may apply to all transactions or balances on your Account, or only to some\ntransactions or balances. We will tell you what terms of the special offer differ from the terms of this\nAgreement. Except as we tell you in a special offer, the rest of this Agreement will still apply to your\nAccount.\n\n16.\n\nChecks: We may issue Checks. You may complete and sign a Check to make a Cash Advance. You\nmay not use a Check to pay any amount you owe us. We do not have to pay or certify any Check.\n(a)\n\nReturning Checks: We do not have to pay (and may return unpaid) any Check if:\n\xe2\x80\xa2\n\nYou are in default under this Agreement;\n\n\xe2\x80\xa2\n\nWe suspended or terminated your credit privileges;\n\n\xe2\x80\xa2\n\nWe told you not to use the Account, Card or Checks for any reason;\n\n\xe2\x80\xa2\n\nThe Check is postdated or stale. This means the date you put on the check is a date\nwhich is either (1) later than the date we get it, or (2) more than six months before the\ndate we get it; or\n\n\xe2\x80\xa2\n\nYou did not fully complete and/or sign the Check.\n\nIf we pay a Check anyway, you still have to pay us the amount of that Check and any applicable\ninterest or fees. If we don\xe2\x80\x99t pay a Check, we may charge a Returned Check Fee.\n(b)\n\nPaid Checks: Your bill will show Checks we paid. We will not return Checks to you. You may ask\nus for copies of paid Checks. We may charge you a Document Fee for each copy.\n\n(c)\n\nStopping Payment on a Check: You may ask us to stop payment on a Check or cancel a stop\npayment request. Call us at 1-866-681-0484 or write us at the address in Section 1(a). If you call,\nwe may ask you to put your request in writing. You must tell us: (1) your Account number, (2) the\ndate, number and amount of the Check and (3) the name of the payee. We need at least four\nhours advance notice to be able to stop payment. We will not owe anything to you or anyone else\nif we stop (or do not stop) a payment or cancel (or do not cancel) a stop payment request. We\nmay charge a Stop Payment Fee, whether or not we actually stop payment.\n\n17.\n\nCurrency Conversion: Visa will convert the amount of any transaction you make in a currency other than\nU.S. dollars into U.S. dollars. Visa will use its own currency conversion procedures in effect at that time.\nVisa will pick an exchange rate on the processing date using either (1) the range of rates available in\nwholesale currency markets (which rate may differ from the rate Visa could get) or (2) the rate required by\nthe government. The exchange rate used may differ from the exchange rate on the date you made the\ntransaction. If you make a return or get a refund, the same procedures apply. The amount of any return or\nrefund credit to your Account may be slightly different from the amount of the original transaction because\nthe exchange rate changes from day to day.\n\n18.\n\nDefault: If you do or fail to do certain things, you will be in default under this Agreement. If you are in\ndefault, we have certain rights and you have certain duties under this Agreement. In deciding whether you\nare in default and in using any of our rights, we will follow applicable law.\n(a)\n\nEvents of Default: We may decide you are in default if you:\n\xe2\x80\xa2\n\nFail to make a payment on this Agreement or any other agreement with us when due;\n\n6\n\n\x0c\xe2\x80\xa2\n\nMake a payment that is not paid by your bank;\n\n\xe2\x80\xa2\n\nFail to do anything this Agreement requires;\n\n\xe2\x80\xa2\n\nDo anything this Agreement prohibits;\n\n\xe2\x80\xa2\n\nFile or have filed against you a bankruptcy petition;\n\n\xe2\x80\xa2\n\nDie, become legally incompetent or go to jail;\n\n\xe2\x80\xa2\n\nGive us false or incomplete credit information, false signatures or make any material\nmisrepresentation;\n\n\xe2\x80\xa2\n\nLose your Card or Checks (including if they are stolen).\n\nWe also may decide you are in default if (1) we find you no longer qualify for any APR or credit\nlimit then in effect on your Account or (2) we believe in good faith that you will not be able to pay\nwhat you owe for any other reason.\n(b)\n\nWhat Happens When You Are in Default: We may (1) suspend or terminate your credit privileges,\n(2) close your Account and/or (3) ask you to pay the full amount you owe right away. We will tell\nyou first before doing these things if an applicable law requires us to. You still have to pay all\namounts you owe us.\n\n19.\n\nCollection Costs: We may charge you for costs we have to pay to collect what you owe after default.\nThese costs may include reasonable fees to attorneys who are not our paid employees. We will not\ncharge you for our collection costs if you owe us $300 or less or an applicable law says we may not.\n\n20.\n\nClosing Your Account:\n(a)\n\nWe May Limit Use Of or Close Your Account: We may (1) temporarily take away your ability to\nmake transactions or otherwise use your Account, (2) delay reissuing your Card, or (3) close your\nAccount. We may do these things at any time, but will tell you first if an applicable law requires us\nto. You must destroy all Cards and unused Checks if we tell you to. You still have to pay all\namounts you owe us. If you are not in default when your Account is closed, you may pay off the\nbalance under the terms of this Agreement that apply at that time. We can use all the rights and\nremedies we have under this Agreement until all amounts are repaid. We will not owe anything to\nyou or anyone else if we do any of these things.\n\n(b)\n\nYou May Close Your Account: You may close your Account at any time by telling us in writing.\nYou must destroy all Cards and unused Checks if we tell you to. You still have to pay all amounts\nyou owe us. If you are not in default when you close your Account, you may pay off any balance\nunder the terms of this Agreement that apply at that time.\n\n21.\n\nInformation About You and Your Credit: You promise that the information you gave us to open your\nAccount is true. You also promise to tell us right away and to stop using the Account if (1) you plan to file\nfor bankruptcy, or (2) are otherwise unable to pay your debts. We may look again at your financial\ncondition and credit standing at any time and for any reason. We may get a current credit report or ask\nyou for current financial information or documents. For example, we may ask about your property and\ndebts. We also may ask for copies of your tax returns or verification of your employment and income. You\nagree to let us do this and help with any investigation of your credit record. A negative credit report\nreflecting on your credit record may be submitted to one or more credit reporting agencies if you fail to\nfulfill your obligations under this Agreement.\n\n22.\n\nInaccurate Information: Write to us at the address in Section 1(a) if you believe that (1) we have\ninformation about you that is inaccurate or (2) we have reported or may report inaccurate information\nabout you to a credit reporting agency. Tell us exactly what information you believe is inaccurate.\n\n23.\n\nLiability For Unauthorized Use: If you notice the loss or theft of your Card or a possible unauthorized\n7\n\n\x0cuse of your Card, you should write to us immediately at BBVA USA Card Center, P.O. Box 2210,\nDecatur, Alabama 35699-0001, or call us at 1-866-681-0484. You will not be liable for any\nunauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that\noccurs before your notice to us. In any case, your liability will not exceed $50.\n24.\n\nTelephone Monitoring; Consent to Communication: To make sure our employees give accurate and\ncourteous customer service, sometimes your call may be monitored by a second employee and/or\nrecorded. You agree to this monitoring and recording. We may contact you using (1) any information or\nphone numbers (including cell phone numbers) you provide to us on your Application or otherwise, and\n(2) an automated telephone dialing system and/or artificial or prerecorded voice message, even if you are\ncharged for the call under your phone plan.\n\n25.\n\nWe Do Not Give Up Our Rights by Not Using Them: Sometimes we might decide not to do something\nwe could do under this Agreement, like charging you a fee. Or, we might decide to do something less\nthan what we could do, like charging you a lower fee or wait a few days before charging a fee. If we do\nthis one or more times, this does not mean we have to do it again. We can do all the things this\nAgreement allows in the future, even if we did something different one or more times in the past. We also\nmight decide, for example, to:\n\xe2\x80\xa2\n\nAccept late or partial payments;\n\n\xe2\x80\xa2\n\nGive you more time to make a Minimum Payment Due;\n\n\xe2\x80\xa2\n\nReduce or not charge any interest or fee you would otherwise owe;\n\n\xe2\x80\xa2\n\nLet one or more of you out of your promises under this Agreement without telling the others or\nletting them out of their promises.\n\nIf we do any of these things, we will not lose any of our rights under this Agreement.\n26.\n\nAuthorizing Transactions; Acceptance of Your Card: A merchant does not have to accept your Card,\nChecks or Account. We will not owe anything to you or anyone else if (1) we decline to authorize or make\npayment on any Requested Transaction, even if it would not cause the outstanding balance on your\nAccount to exceed any credit limit described in Section 8 above, or (2) a merchant will not accept your\nCard, Checks or Account. Also, we will not owe anything to you or anyone else for goods or services you\nbought or leased using your Account.\n\n27.\n\nAssignment; Binding Effect; Severability: We may sell or give your Account, this Agreement and our\nrights or duties under this Agreement to any other person or company. We can do this at any time without\ntelling you first or getting your permission. You may not sell or give your Account or any of your rights or\nduties under this Agreement to any other person or company. This Agreement will be binding on your\nheirs and legal representatives. This means they may have to pay if you die or become legally\nincompetent. If a court with proper authority finds any part of this Agreement is not valid or cannot be\nenforced, the other parts still will apply.\n\n28.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nNotwithstanding any other provision of this Agreement, if you are a \xe2\x80\x9ccovered borrower\xe2\x80\x9d under the\nMilitary Lending Act, as defined in 32 CFR \xc2\xa7 232.3(g), the arbitration provisions in this Agreement\nshall not apply to you. Furthermore, nothing in this Agreement shall be construed as applying to\na covered borrower to the extent inconsistent with the Military Lending Act.\n8\n\n\x0c29.\n\nDispute Resolution\n(a)\n\nThis subsection (a) applies if you reside outside California.\n\nArbitration: Either you or we may ask to settle disputes by arbitration. Arbitration is a way of working out\ndisputes without going to court. If you or we ask for arbitration, we would all meet with a person called an\narbitrator. An arbitrator is like a referee or a judge. The arbitrator will listen to what you and we have to\nsay. The arbitrator will decide who is right. The arbitrator\xe2\x80\x99s decision is called an award. The party who\nwins the award can take it to any court that could have heard the dispute and get an official judgment.\nPlease read the rest of this section carefully. It explains how arbitration works.\nSome Legal Rights May Not Be Available in Arbitration: After any party asks for arbitration of a\ndispute, neither you nor we can ask a court to hear that dispute. There will be no jury trial of that\ndispute. You cannot be part of any class action relating to that dispute. The right to get\ninformation from each other and other procedures may be more limited in arbitration than in\ncourt. With a few limited exceptions, the arbitrator\xe2\x80\x99s award will be final and unchangeable. Other\nrights that you or we would have in a court also may not be available in arbitration.\n\xe2\x80\xa2\n\nWhat Disputes Are Covered: Any dispute that arises from or relates to this Agreement, your\nAccount and any transaction involving the Account will be settled by arbitration unless it is\ndescribed below in \xe2\x80\x9cWhat Disputes Are Not Covered.\xe2\x80\x9d This means that disputes about the\nfollowing are covered:\no\n\nThis Agreement, your Account or any transaction involving the Account;\n\no\n\nAny advertisement, promotion or oral or written statement related to this Agreement or\nyour Account;\n\no\n\nAny relationships that result from this Agreement (including, as far as applicable law will\nallow, relationships with third parties who are not parties to this Agreement or this\narbitration provision);\n\no\n\nThe validity, interpretation, scope or enforceability of this Agreement (except for any\nchallenge to the enforceability of this Dispute Resolution section or any dispute about the\nparts of this subsection (a) about class disputes); and\n\no\n\nWhether it is too late to settle a dispute because of any statute of limitations, estoppel,\nwaiver, laches or similar legal rule.\n\nIt doesn\xe2\x80\x99t matter whether the dispute is based on contract, fraud, tort, intentional tort, statute,\nregulation, constitution, common law, equity or otherwise. It also doesn\xe2\x80\x99t matter when the dispute\nbegan (whether before this Agreement, now or in the future). This arbitration provision will\ncontinue to apply after this Agreement ends and/or after you or we close the Account.\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nWhat Disputes Are Not Covered: This arbitration provision does not cover any dispute:\no\n\nThat you or we could take to a small claims court, which usually limits its cases based on\nthe amount of the claim; or\n\no\n\nAbout the parts of this arbitration provision that prohibit class disputes.\n\nNo Class Disputes: You cannot join together in a dispute with anyone other than people who use\nyour Account. Even if other people have disputes similar to a dispute that you or we ask to\narbitrate, those people and their disputes cannot be part of any arbitration between you and us.\nYou cannot arbitrate any dispute on a class action, private attorney general or other\nrepresentative basis. Only a court, and not an arbitrator, may decide whether this provision\nprohibiting class disputes can be enforced.\n\n9\n\n\x0c\xe2\x80\xa2\n\nWho Will Arbitrate: The American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) or JAMS ADR (\xe2\x80\x9cJAMS\xe2\x80\x9d) may\narbitrate any dispute, or you and we may agree upon a different arbitrator. For more information\nabout arbitration, contact the AAA (www.adr.org or 1-800-778-7879) or JAMS (www.jamsadr.com\nor 1-800-352-5267). If for any reason the AAA or JAMS is unable or unwilling to arbitrate, or you\nand we cannot agree on an arbitrator, we will use another national or regional arbitration group.\nThe number of arbitrators will depend on the total dollar amount of all disputes by both you and\nus. If the total is $250,000 or less, one arbitrator will hear the dispute(s). If the total is over\n$250,000, three arbitrators will hear the dispute(s). Each arbitrator must be an active member in\ngood standing of the bar for any state in the continental United States, and either: (a) actively\nengaged in the practice of law for at least 5 years or (b) a retired judge.\n\n\xe2\x80\xa2\n\nWhat Rules Apply: The arbitration of any dispute will be conducted according to the rules of the\narbitrator (\xe2\x80\x9cRules\xe2\x80\x9d). If an arbitrator other than the AAA is chosen, the Rules of the AAA will be\napplied to any circumstance that is not addressed by the Rules of the chosen arbitrator. If the\ntotal of all disputes is $250,000 or less, we will use any expedited procedures in the Rules. If this\nAgreement and the Rules say something different, we will follow this Agreement and not the\nRules.\n\n\xe2\x80\xa2\n\nHow To Start Arbitration: Either you or we may start an arbitration by giving written notice to the\nother party. At a minimum, this notice must describe the subject of the dispute and the result\nrequested in arbitration by the party giving the notice. If you ask us to arbitrate, you can choose\nthe AAA or JAMS, or suggest another national or regional arbitration group to arbitrate the\ndispute. If we ask you to arbitrate, we will give you 10 days to choose the AAA or JAMS, or to\nsuggest another national or regional arbitration group. In either case, if you suggest an alternative\nto the AAA and JAMS, we will work with you to determine if you and we can agree on a different\ngroup or arbitrator. If you and we are unable to agree, the arbitration will be conducted by the\nAAA or, if the AAA is not available, by a similar arbitration group. The party asking for arbitration\nmust file a notice with the arbitration group following the Rules in effect at that time.\n\n\xe2\x80\xa2\n\nWhen a Party May Ask for Arbitration: You or we may ask for arbitration before or after a lawsuit\nhas been filed. You or we must ask for arbitration within the statute of limitations that would apply\nto the same dispute in court. If it is too late to resolve the dispute in court, it is also too late to\nresolve it in arbitration.\n\n\xe2\x80\xa2\n\nWhat the Arbitrator(s) Must and May Not Do: Each arbitrator must:\n\n\xe2\x80\xa2\n\no\n\nLimit discovery to information that is directly relevant to the dispute and is not considered\nconfidential or otherwise protected from being made public. Discovery is the process by\nwhich you and we ask each other for information about the dispute;\n\no\n\nMake decisions and awards based on the evidence and applicable substantive law and\nthe rules of evidence used in federal courts;\n\no\n\nMake decisions and awards only with respect to claims made by or against you\nindividually;\n\no\n\nGive a brief written explanation of the basis for the award upon request of either party;\nand\n\no\n\nMake specific findings of fact and conclusions of law to support any award greater than\n$25,000.\n\no\n\nNot make any award that would require you and us to continue any relationship we may\nhave under this Agreement or otherwise.\n\nWho Pays for Arbitration: There will be costs for arbitration. Contact the AAA or other arbitration\ngroup to find out what the arbitration charges will be. You may have to pay some of the arbitration\ncharges unless this Agreement, an applicable law or the Rules say we must pay. If the total dollar\namount of all disputes is $50,000 or less, we will pay that portion of the arbitration filing fee that is\n10\n\n\x0cmore than the cost of filing a lawsuit in the federal court where you live. You can ask us to pay\nsome or all of the other arbitration charges you have to pay, but we don\xe2\x80\x99t promise to do as you\nask. At the end of the arbitration, the arbitrator(s) will decide who has to pay for any arbitration\ncharges that are greater than those we agreed to pay. The arbitrator(s) also may order us to pay\nsome or all of your attorneys, expert and witness fees. Unless ordered otherwise by the\narbitrator(s), each of us must pay for its own attorneys, expert and witness fees, no matter who\nwins.\n\xe2\x80\xa2\n\nWhere Will Arbitration Take Place: Any arbitration will take place in the federal judicial district\nnear your home. Or, you and we could agree that arbitration will take place somewhere else.\n\n\xe2\x80\xa2\n\nWhat Law Applies: This arbitration provision is made pursuant to a transaction involving interstate\ncommerce. The Federal Arbitration Act will apply to the construction, interpretation and\nenforceability of this arbitration provision despite any other choice of law provision in this\nAgreement.\n\n\xe2\x80\xa2\n\nOther Rights and Remedies: Nothing in this arbitration provision will limit certain other rights you\nor we may have. This means that you or we could, for example:\no\n\nGet an injunction, which is a court order to stop someone from doing something; or\n\no\n\nFile an interpleader action, which is a type of lawsuit used to decide who owns property\nthat more than one person claims to own.\n\nIf you or we do any of these things or take part in any other court case, it does not affect your or\nour rights under this arbitration provision.\n\xe2\x80\xa2\n\nWhat Happens If Part or All of This Arbitration Provision Cannot Be Enforced: Only a court and\nnot an arbitrator can determine if any part of this arbitration provision cannot be enforced. If a\ncourt with proper jurisdiction says that any part of the \xe2\x80\x9cNo Class Disputes\xe2\x80\x9d subsection above\n(which prohibits arbitration of class disputes) cannot be enforced, then none of the arbitration\nsection in this Agreement will apply, and this section will be considered deleted from the\nAgreement. If a court with proper jurisdiction says that any other part of this arbitration provision\ncannot be enforced, then the rest of this arbitration subsection still will apply, including the \xe2\x80\x9cNo\nClass Disputes\xe2\x80\x9d subsection above.\n\nWaiver Of Jury Trial: This provision limits your rights to a jury trial. You should review this\nsection carefully. If you and we have any dispute related to this Agreement, your Account, or any\ntransactions involving your Account and (i) neither you nor we seek to compel arbitration of the\ndispute, or (ii) some or all of the arbitration section is unenforceable and the dispute will be\nresolved in court, then you and we agree voluntarily and knowingly to waive any right each may\nhave to a jury trial to the fullest extent permitted by law.\nAttorneys\xe2\x80\x99 Fees. In any action between you and us in court, the prevailing party will be entitled to\nreceive from the other party an amount equal to the reasonable attorneys\xe2\x80\x99 fees the prevailing party\nincurred in bringing or defending the court action.\n(b)\n\nThis subsection (b) applies if you reside in California.\n\nJudicial Reference: Either you or we may ask to settle disputes by judicial reference under the\nprovisions of the California Civil Code, Sections 638-645.1, unless the dispute is part of a class action.\nThis judicial reference provision limits your ability to ask a court to hear a dispute and your right\nto a jury trial. By agreeing to judicial reference, you and we waive, and shall not have, any right to\na jury trial. You should review this section carefully. It explains how judicial reference works.\nSome Legal Rights May Not Be Available in Judicial Reference: Judicial reference is a proceeding\nwhere disputes are decided by a judicial referee. The judicial referee will receive evidence at a hearing\nand then issue a statement of decision upon which a judgment is based. You and we agree that the\n\n11\n\n\x0creferee will have the power to decide all issues of fact and law, to issue a statement of decision, and to\nprovide all legal and equitable relief appropriate based on the evidence provided at the hearing.\n\xe2\x80\xa2\n\nWhat Disputes Are Covered: Any dispute that arises from or relates to this Agreement, your\nAccount and any transaction involving the Account will be settled by judicial reference unless it is\ndescribed below in \xe2\x80\x9cWhat Disputes Are Not Covered.\xe2\x80\x9d This means that disputes about the\nfollowing are covered:\no\n\nThis Agreement, your Account or any transaction involving the Account;\n\no\n\nAny advertisement, promotion or oral or written statement related to this Agreement or\nyour Account;\n\no\n\nAny relationships that result from this Agreement (including, as far as applicable law will\nallow, relationships with third parties who are not parties to this Agreement or this judicial\nreference provision);\n\no\n\nThe validity, interpretation, scope or enforceability of this Agreement (except for any\nchallenge to the enforceability of this Dispute Resolution section or any dispute about the\nparts of this subsection (b) about class disputes); and\n\no\n\nWhether it is too late to settle a dispute because of any statute of limitations, estoppel,\nwaiver, laches or similar legal rule.\n\nIt doesn\xe2\x80\x99t matter whether the dispute is based on contract, fraud, tort, intentional tort, statute,\nregulation, constitution, common law, equity or otherwise. It also doesn\xe2\x80\x99t matter when the dispute\nbegan (whether before this Agreement, now or in the future). This judicial reference provision will\ncontinue to apply after this Agreement ends and/or after you or we close the Account.\n\xe2\x80\xa2\n\nWhat Disputes Are Not Covered: This judicial reference provision does not cover any dispute:\no\n\nThat you or we could take to a small claims court, which usually limits its cases based on\nthe amount of the claim; or\n\no\n\nAbout the parts of this judicial reference provision that prohibit class disputes.\n\n\xe2\x80\xa2\n\nNo Class Disputes: A claim by, or on behalf of, other persons will not be considered in, joined\nwith, or consolidated with, the judicial reference proceedings between you and us. Any such\nclaim will be resolved in a court of proper jurisdiction.\n\n\xe2\x80\xa2\n\nWho Will Serve as Referee: You and we agree that a single referee who is a retired California\nstate or federal court judge shall be appointed by the court under California Code of Civil\nProcedure 640 and shall preside over the reference proceeding and decide all issues of fact and\nlaw. If you and we are unable to agree upon a referee within 10 days of a written request for\njudicial reference by any party, then any party may ask a court to appoint a referee under the\nCalifornia Code of Civil Procedure, Sections 638 and 640, and may nominate up to three retired\nstate or federal court judges to serve as this referee.\n\n\xe2\x80\xa2\n\nHow To Start a Judicial Reference Proceeding: Either you or we may start a judicial reference\nproceeding by giving written notice to the other party. At a minimum, this notice must describe the\nsubject of the dispute and the result requested in the judicial reference proceeding by the party\ngiving the notice.\n\n\xe2\x80\xa2\n\nWhen a Party May Ask for Judicial Reference: You or we may ask for judicial reference before or\nafter a lawsuit has been filed. You or we must ask for judicial reference within the statute of\nlimitations that would apply to the same dispute in court. If it is too late to resolve the dispute in\ncourt, it is also too late to resolve it in judicial reference.\n\n\xe2\x80\xa2\n\nWhat the Referee Must and May Not Do: The referee must:\n12\n\n\x0c\xe2\x80\xa2\n\no\n\nMake decisions and awards based on the evidence and applicable substantive law and\nthe rules of evidence used in federal courts;\n\no\n\nMake decisions and awards only with respect to claims made by or against you\nindividually;\n\no\n\nProvide a statement of decision indicating how each dispute was decided, along with a\nconcise written explanation of the basis for the award. The referee\xe2\x80\x99s statement of\ndecision must contain written findings of fact and conclusions of law. The court shall enter\njudgment thereon under California Code of Civil Procedure Sections 644(a) and 645.\nAfter this judgment is entered, the decision of the referee shall then be appealable as if\nmade by the court.\n\no\n\nNot make any award that would require you and us to continue any relationship we may\nhave under this Agreement or otherwise.\n\nOther Rights and Remedies: Nothing in this judicial reference provision will limit certain other\nrights you or we may have. This means that you or we could, for example:\no\n\nGet an injunction, which is a court order to stop someone from doing something; or\n\no\n\nFile an interpleader action, which is a type of lawsuit used to decide who owns property\nthat more than one person claims to own.\n\nIf you or we do any of these things or take part in any other court case, it does not affect your or\nour rights under this judicial reference provision.\n\xe2\x80\xa2\n\nWhat Happens If Part or All of This Judicial Reference Provision Cannot Be Enforced: If any\nportion of this judicial reference provision is not enforced other than the \xe2\x80\x9cNo Class Disputes\xe2\x80\x9d\nsection, the remaining portions of it will remain enforceable. This judicial reference provision shall\nsurvive termination of this Agreement and the closing of your Account.\n\nAttorneys\xe2\x80\x99 Fees. In any action between you and us, regardless of whether the action is in court or in\njudicial reference, each party must pay its own attorney, expert, and witness fees, regardless of how the\ndispute is resolved.\nCalifornia Residents: You understand and agree that interest is compounded under the terms of this Agreement.\nMaryland Residents: You have the right under Maryland Commercial Law Code Section 12-510 to receive an\nanswer to a written inquiry concerning the status of your Account. Finance charges will be imposed on the\noutstanding balances from month to month in amounts or at rates not in excess of those permitted by law.\nNew Jersey Residents: Because certain provisions of this Agreement are subject to applicable law, they may be\nvoid, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void,\nunenforceable or inapplicable in New Jersey.\nNOTICE TO THE BUYER - DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT\nCONTAINS BLANK SPACES. YOU ARE ENTITLED TO A COPY OF THIS AGREEMENT. KEEP IT TO\nPROTECT YOUR LEGAL RIGHTS.\nSignatures:\nYou: Any handwritten, electronic or digital signature provided by you or any person whom you allow to use the\nAccount on any document in connection with opening or using your Account serves as your signature on this\nAgreement.\nBank: We have signed this Agreement as follows:\n\n13\n\n\x0cA. Smith\nVice President\nBBVA USA\nYour Billing Rights: 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 Statement\nIf you think there is an error on your statement, write to us at the payment address shown on your bill.\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors 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\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect any amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against the amount available to you on your credit line.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to\nthat amount.\n\n14\n\n\x0c\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount that you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question, even if\nyour bill 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\ntried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if we own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or\nwith a check that accesses 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\npayment address shown on your bill.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n15\n\n\x0cBBVA Wealth Management Visa Signature Credit Card Account\nPricing Information as of March 31, 2021.\nThis pricing information is accurate as of the date listed above, but may have changed after that date. You can\nalways find out the most current pricing information by contacting us at: BBVA USA, P.O. Box 2210, Decatur, AL\n35699 or 1-866-681-0484.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime* + 1.99%\n\nAPR for Cash Advances\n\nPrime* + 1.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7 Cash Advance\n\nEither $10 or 2% of the amount of each cash advance, whichever is greater\n(maximum fee: $100) - not charged on any cash advance obtained through use of\na check\n\n\xef\x82\xb7 Foreign Transaction\n\n2% of each transaction in U.S. dollars\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\nUp to $25\n\n\xef\x82\xb7 Returned Payment\n\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance.\xe2\x80\x9d See account\nagreement for more details.\n*For each billing cycle, we use the Prime Rate from The Wall Street Journal in effect at the close of business on\nthe last business day of the calendar month ending within that billing cycle. Your APRs may increase if the Prime\nRate increases. If your APRs increase, the amount of interest you will owe and the Minimum Payment Due may\nincrease.\nBBVA is a trade name of BBVA USA, a member of the BBVA Group.\n\nF03-X957-1 Y/CFPB MLA rev 06/2019 RB\n\n16\n\n\x0c'