b'Liability for Unauthorized Use. You will not be liable for any unauthorized use that\noccurs after you notify us. You may, however, be liable for unauthorized use that\noccurs before you notify us.\nVISA SIGNATURE POINTS PROGRAM\nAwarding Points. On each monthly billing cycle closing date we will award two\npoints to your Visa Signature points account for each net dollar in new purchases\nat merchants classified by Visa as a service station, automated fuel dispenser\nor restaurant and one point to your Visa Signature points account for each net\ndollar in new purchases at other merchants posted to your Visa Signature card\naccount during that monthly billing period. However, we reserve the right NOT\nto award points or allow redemption of points if you are in default under any of\nthe terms of this Agreement or if we have terminated or suspended your credit\nprivileges in accordance with this Agreement or applicable law. Cash Advances,\nBalance Transfers, convenience checks, debit transactions initiated by us, finance\ncharges and fees charged to your account are not eligible for points. Our failure\nto enforce these conditions at any time and for any period of time will not waive\nour right to enforce them at a later time nor require further notice to you before\nwe enforce them. We will subtract one point from your account for each dollar in\nreturned purchase credits. Points may be accumulated from month to month and\nyear to year, for three years. Unless redeemed, points will expire and be forfeited\non the third anniversary of the last day of the calendar year in which awarded. For\nexample, points awarded in January 2015, if not redeemed, will expire and be\nforfeited on December 31, 2018. If you close your Visa Signature card account,\nor if we terminate or suspend your credit privileges in accordance with this\nAgreement or applicable law, then all accumulated points not yet redeemed will\nbe forfeited.\nRedeeming Points. We contract with an agency to provide Visa Signature services.\nYou authorize us to share information concerning your account with the agency,\nits employees and representatives (collectively, the \xe2\x80\x9cAgency\xe2\x80\x9d), including but not\nlimited to any and all information reflected on your Visa Signature card account\nstatement and recent transactions on your Visa Signature card account. This\ninformation is shared in accordance with our Privacy Notice in this Agreement. The\nAgency will charge you fees (for which we will not reimburse you) for transactions\nthat you conduct through the Agency, whether or not you are redeeming Visa\nSignature points. You may not use Visa Signature points to pay the Agency\xe2\x80\x99s fees.\nIn order to redeem points, your Visa Signature card account must be open, active\nand not in default status according to the terms of this Agreement. In addition,\nyou must have the minimum number of points required for redemption as\npublished in the Visa Signature guidelines on our website. Our failure to enforce\nthese conditions at any time and for any period of time will not waive our right to\nenforce them at a later time nor require further notice to you before we enforce\nthem. Subject to those conditions, you may redeem your points by calling the\nVisa Signature Service Center at 1-888-216-2896. A Visa Signature specialist will\nverify your available points and eligibility to redeem points in the requested amount.\nPoints may be redeemed according to the Visa Signature Point Redemption Terms\npublished in the current Visa Signature guidelines. Visa Signature points may be\nredeemed only through the Agency designated by us. Visa Signature points have\nno cash value. They are not redeemable for cash, cannot be bought or sold, nor\ncan they be used as payment for any obligation you owe to us.\nProvision of Travel Services. The Agency will provide travel agency services\ndirectly to Visa Signature cardholders. Those services include describing the\n\nflights available for the amount of points you are redeeming, assisting in ticket\nselection, making reservations for available flights offered by participating airlines,\nand issuing and delivering tickets you have purchased. The Agency will report\nto us the points you have redeemed, and we will subtract them from your Visa\nSignature points balance. We disclaim any responsibility in the provision of\nservices by the Agency, or for services provided by the airline you have selected.\nOur only responsibility in this regard is to provide correct information to the\nAgency concerning your Visa Signature points balance and credit card account.\nIf you have obtained any travel services by redeeming travel points exceeding\nyour available point balance, no matter the cause, we will charge the equivalent\ndollar value of the over-redeemed points to your Visa Signature card account as\na purchase.\nProgram Restrictions and Other Considerations. Certain restrictions and\nadditional terms apply to your Visa Signature Points Program. You should refer\nto the Visa Signature Guidelines on Bank\xe2\x80\x99s website for the current program\nrestrictions and terms. Topics addressed in the Visa Signature Guidelines include:\nPoint Redemption Terms, Points, Redemptions, Tickets and Fees. All travel\nservices are subject to availability; you may not be able to obtain travel services\nfor all destinations or flights.\nTermination and Modification. We may terminate or modify the Visa Signature\nPoints Program at any time without cause, without notice and without affecting\nyour privileges to use your credit card account for Purchases, Balance Transfers\nor Cash Advances under this Agreement. By accumulating Points, you do not\nacquire any vested right with respect to such points or other program benefits; and\nyou may not rely upon the continued effectiveness or availability of any previously\npublished, or otherwise communicated, redemption terms. We may cancel or\nchange program benefits, redemption levels, conditions for your participation in\nthe program, and rules for earning, redeeming or forfeiting Points at any time, even\nthough such changes may prevent your use of the Points you have accumulated.\nARBITRATION PROVISION\nARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION\nCAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER\nCLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS.\nIF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE\nRIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO\nPARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE\nIN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE\nTHE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES\nOF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT\nPROCEEDINGS. THE ARBITRATOR\xe2\x80\x99S DECISION WILL BE BINDING, EXCEPT AS\nPROVIDED BELOW.\nAgreement to Arbitrate. Upon the election of either you or us, any Claims (as\ndefined below), except for Claims filed in a small claims court, may be resolved\nby mandatory, binding arbitration. The small claims court exclusion applies only\nso long as the dispute remains in the small claims court and is an individual\n(non\xc2\xacclass, non-representative) Claim. If a Claim asserted in small claims\ncourt is transferred or appealed to a different court, either you or we may then\nelect mandatory, binding arbitration pursuant to this Arbitration Provision. This\nArbitration Provision is made pursuant to a transaction involving interstate\ncommerce and shall be governed by and enforceable under the Federal Arbitration\nAct (the FAA).\n\nDefinitions for Arbitration Provision. As used in this Arbitration Provision, the\nfollowing terms have the following definitions. The words we, our and us mean\nFirst Horizon Bank, its parent company, and their direct and indirect subsidiaries\nand affiliates, together with their employees, officers, directors, successors, and\nassigns. The words you, your, and yours refer to any Consumer applicant, coapplicant, authorized user of the account, or legal representative of any of the\nforegoing, and anyone claiming through such person or incident to the account..\nThe word \xe2\x80\x9cConsumer\xe2\x80\x9d means a natural person who holds an account primarily\nfor personal, family or household purposes. The word Claim means any claim,\ncontroversy, or dispute of any kind arising from or relating to the account or any\nrelationship arising from or related to the account. The word Claim includes, but\nis not limited to, any claim, controversy or dispute involving one or more of the\nfollowing:\n\xe2\x80\xa2 the formation, application, enforceability, or interpretation of this Arbitration\nProvision or other part of the Agreement;\n\xe2\x80\xa2 any advertisements, solicitations, disclosures or other communications\nrelating to the account, whether made before or after the account was\nopened;\n\xe2\x80\xa2 the opening, administration and termination of the account;\n\xe2\x80\xa2 any transactions involving the account;\n\xe2\x80\xa2 any interest, fees and other charges to the account;\n\xe2\x80\xa2 any products or services (whether provided by us or a third party) related\nto or offered in connection with the account;\n\xe2\x80\xa2 any use or disclosure of information about you or the account;\n\xe2\x80\xa2 any other matters relating to the account or your credit card relationship\nwith us.\nAll Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration\nProvision, regardless of whether the Claim: (i) previously existed, is now existing\n(whether discovered or undiscovered) or arises later; (ii) is based on a theory of\ncontract, tort (including intentional tort), negligence, agency or other vicarious\nliability, fraud, statute, regulation, constitution, or any other source of law or equity;\n(iii) seeks monetary damages, or declaratory, injunctive relief, or other remedy or\nrelief; (iv) is asserted as an initial claim, counterclaim, crossclaim, interpleader\naction, third-party claim or other action; or (v) is asserted as an individual claim\nor as part of a class action or other representative or collective action. (Any Claim\nasserted as part of a class action or other representative or collective action shall\nproceed in arbitration on an individual basis as set forth below.) Joint Cardholders,\napplicants and authorized users on a single account or multiple accounts for which\nthe same Cardholders are legally responsible will be treated as one person for this\npurpose. All questions about whether disputes are subject to arbitration shall be\nresolved by interpreting this arbitration provision in the broadest way the law will\nallow it to be enforced.\nInitiation of Arbitration. The party electing arbitration must use the arbitration\nadministrator shown below and follow its rules and procedures, except as\notherwise stated in this Arbitration Provision. Copies of its current rules,\nprocedures, forms, and related information, including information about how to\nfile a Claim, may be obtained by contacting the Administrator as follows:\nAmerican Arbitration Association\nCase Filing Services\n1101 Laurel Oak Road, Suite 100\nVoorhees, NJ 08043\n\nToll free number: 877-495-4185\nhttp://www.adr.org\nExcept for the small claims court exclusion set forth above, either you or we may\nask an appropriate court to compel arbitration, or stay litigation pending arbitration,\nof any Claim, even if the Claim is part of a lawsuit in court. A party who has\nasserted a Claim in a lawsuit may nevertheless elect mandatory arbitration with\nrespect to any Claims subsequently asserted in that lawsuit by any other party.\nDelay in exercising these rights shall not waive such rights. Failure to exercise\narbitration rights with respect to a particular Claim shall not waive your right or\nour right to demand arbitration of any other Claim. If the Administrator declines to\nadminister a Claim in arbitration, then either party shall have the right to proceed\nwith the Claim as a lawsuit in court, in which case the Class Action Waiver set\nforth below still applies.\nClass Action and Jury Waiver. You and we hereby knowingly and voluntarily (1)\nwaive the right to proceed as part of any class action and (2) waive the right to a\ntrial by jury of any and all Claims. No Claim submitted to arbitration is heard by a\njury or may be brought as a class action or as a private attorney general. You do\nnot have the right to act as a class representative or participate as a member of a\nclass of claimants with respect to any Claim submitted to arbitration (Class Action\nWaiver). Any Claim resolved by arbitration shall be arbitrated on an individual\nbasis by a single arbitrator. The arbitrator\xe2\x80\x99s authority to resolve Claims is limited to\nClaims between you and us alone, and the arbitrator\xe2\x80\x99s authority to make awards\nis limited to you and us alone. Furthermore, Claims brought by you against us or\nby us against you may not be joined or consolidated in arbitration with Claims\nbrought by or against someone other than you, unless otherwise agreed to in\nwriting by all parties.\nSeverability. The parties to this Arbitration Provision acknowledge that the Class\nAction Waiver is material and essential to the arbitration of any disputes between\nthe parties and is non-severable from this Arbitration Provision. If the Class Action\nWaiver is limited, voided or found unenforceable, then the parties\xe2\x80\x99 agreement to\narbitrate (except for this sentence) shall be null and void with respect to such\nproceeding, subject to the right to appeal the limitation or invalidation of the Class\nAction Waiver. The parties acknowledge and agree that under no circumstances\nwill a class action be arbitrated. If any portion of this Arbitration Provision, other\nthan the Class Action Waiver, cannot be enforced, that portion will be severed, and\nthe rest of the Arbitration Provision will continue to apply.\nArbitration Procedures and Law. A single arbitrator chosen by the Administrator\nwill resolve Claims pursuant to the rules and procedures of the Administrator\nand this Arbitration Provision. This Arbitration Provision will govern in the event\nof conflict with the Administrator\xe2\x80\x99s rules and procedures. Discovery procedures\navailable to parties will be limited by the Administrator\xe2\x80\x99s rules and procedures.\nThe arbitrator will apply applicable substantive law consistent with the FAA and\napplicable statutes of limitations and honor legally recognized claims of privilege.\nThe arbitrator will have the power to award any damages or other relief that\nwould be available in court and are permitted under the terms and conditions\nof this Agreement, but only with respect to the named parties and the Claims\nbeing arbitrated. The arbitrator and this Arbitration Provision will not be subject to\nfederal, state, or local rules of procedure and evidence applicable to lawsuits or\nto state or local laws relating to arbitration. Either party may choose to have an\narbitration hearing and to be represented by counsel. An arbitration hearing may be\nconducted by telephone if the parties agree. Any participatory arbitration hearing\n\nthat you attend in person will occur at a place designated by the Administrator at\na location within the federal judicial district that includes your billing address or at\nsome other place agreed upon by you and us. The arbitrator will use reasonable\nefforts to protect confidential information if requested to do so by any party.\nThe arbitrator will make any award in writing and, upon a timely written request,\nprovide a written statement of reasons for the award.\nCosts of Arbitration. You and we will be responsible for paying the fees of the\narbitrator and any administrative fees charged by the Administrator according to\nthe rules and procedures of the Administrator. We will also pay or reimburse you\nfor all or part of other arbitration fees, if the arbitrator determines there is good\nreason to do so, and we will pay any fees and costs, which we are required to pay\nby law or by the rules and procedures of the Administrator. In addition, in the event\nthat you receive an arbitration award that is greater than our last written settlement\noffer, the arbitrator shall have the discretion to require us to pay your attorneys\xe2\x80\x99\nfees and costs. Otherwise, each party will bear its own attorneys\xe2\x80\x99 fees and costs,\nregardless of who prevails.\nFinality of Arbitration. The arbitrator\xe2\x80\x99s decision is final and binding on the parties,\nexcept for any right of appeal provided by the FAA. Costs will be allocated in\nthe same way as costs are allocated in arbitration by a single arbitrator. A final\nand binding award is subject to judicial review only as provided by the FAA. An\narbitration award will be enforceable under the FAA by any court having jurisdiction.\nSurvival of Arbitration Provision. This Arbitration Provision shall survive: (i)\ntermination or changes in the Agreement and/or related agreements or programs,\nthe account, and the relationship between you and us concerning the account and\nrelated programs; (ii) bankruptcy of any party; and (iii) any sale, assignment or\nother transfer of the account, or any amounts owed on the account. Any different\nagreement regarding arbitration of Claims must be agreed in writing.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit 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: BankCard Center, P.O.\nBox 1545, Memphis, TN 38101-1545. You may also login to Banking Online and\nsubmit a transaction dispute. You will need to give us the 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 problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing (or electronically). You may call\nus, but if you do we are not required to investigate any potential errors; and you\nmay 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\nletter. We will also tell you if we have already corrected the error.\n\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\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\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue 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\nfor 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\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been settled between\nus. If we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your 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\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1 The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these is necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you\nthe goods or services.)\n2 You must have used your credit card for the purchase.\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,\ncontact us in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 381011545. You may also contact us by logging in to Banking Online and submitting\na transaction dispute. While we investigate, the same rules apply to the disputed\namount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay, we may report you as delinquent.\n\n8\n\n9\n\n10\n\n11\n\n12\n\n13\n\nM-129675\n\nRev. 8/19\n\nVISA SIGNATURE\nCARDHOLDER AGREEMENT\n\nand Disclosures Under The Federal Truth In Lending Act\nAgreement and Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1\nChanges In Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1\nUsing Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1\nStandard (Variable) Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nPromise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nCredit Limit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nBilling Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nMaking Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nEffects of Making Minimum Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2\nApplication of Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3\nNew Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3\nMinimum Payment Calculation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3\nForm of Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3\nPayment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3\nVisa Money Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nFinance Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nInterest Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nForeign Currency Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nPaying Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nGrace Period for Purchases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nGrace Period for Balance Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nCash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nCalculating Average Daily Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nPurchase Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4\nBalance Transfer Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nCash Advance Balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nOther Fees and Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nAnnual Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nCash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nReturned Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nLate Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nCollection Costs and Attorneys\xe2\x80\x99 Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nSecurity Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5\nAccount Use by Others . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6\nNotices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6\nDefault/Entire Balance Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6\nNon-default Termination or Suspension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6\nCredit Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6\nPromotions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nTelephone Monitoring . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nMerchant Refunds/Credits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nAssignment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nCaptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nApplicable Law/Non-Waiver/Severability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nIllegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nLost or Stolen Cards/Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7\nLiability for Unauthorized Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8\nVisa Signature Points Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8\nAwarding Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8\nRedeeming Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8\nProvision of Travel Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9\nProgram Restrictions and Other Considerations . . . . . . . . . . . . . . . . . . . . . . .9\nTermination and Modification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9\nARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9\nBILLING RIGHTS NOTICE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12\n\n\x0cAgreement and Definitions. This Cardholder Agreement, the folder containing\nyour card including the Account Opening Disclosure Table on the back of the folder,\nchanges and notices of changes we make to your account and/or this agreement\nas provided herein, the Visa Signature Guidelines included on your application\nand published and periodically updated online, and all documents bearing your\nhand-written, electronic or digital signature (such as, but not limited to, any\napplication, convenience check or sales slip) or other evidence of indebtedness on\nthe credit card account constitute the contract governing your credit card account\n(the \xe2\x80\x9cAgreement\xe2\x80\x9d). The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person jointly\nand severally (if more than one) who has applied for or otherwise agreed to be\nresponsible for the account. The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cus\xe2\x80\x9d, mean First Horizon\nBank, and its successors, assigns, agents and/or authorized representatives. The\nword \xe2\x80\x9ccard\xe2\x80\x9d means each Visa Signature card issued on the account. The card is\nour property, and you agree to surrender it to us or our agent upon request. This\nAgreement is binding on you unless you cancel your account within 30 days after\nreceiving the card and you have not used or authorized use of your account. This\ncard is available only to individuals for consumer use and will not be issued to sole\nproprietorships, corporations, partnerships or limited liability companies.\nChanges In Terms. You consent and agree that at any time we may add, delete,\nremove, amend, or change any terms and conditions of this Agreement, including\nbut not limited to the Annual Percentage Rate (APR), fees or other terms. Such\namendments may apply to the unpaid balance and to new transactions, as\nallowed by applicable law. Reasons we may change the terms and conditions\nof this Agreement include, but are not limited to, risks associated with your\naccount, economic and market conditions and trends, product parameters, and\nour business needs and considerations. If we make such amendments, you will\nreceive advance notice and a right to opt out, as may be required by the Agreement\nand applicable law.\nUsing Your Account. In addition to the card, we may furnish you checks which\ncan be used to access your account. You agree to use checks only in the form we\nfurnish and according to any instructions we give you. You cannot stop payment\non checks used to access the account. You may use your account to purchase\ngoods and services and to get Cash Advances.\nCash Advances include cash obtained from participating financial institutions and\nATMs, transactions using checks to access your account, and cash-equivalent\ntransactions (including purchases of travelers\xe2\x80\x99 checks, casino chips and other\nitems which Visa rules, as applicable, designate as cash or cash-equivalent\ntransactions). The amount of a Cash Advance obtained from an ATM may include\na surcharge imposed by the ATM owner.\nPurchases are transactions initiated with the card or account for the purchase\nof goods or services from participating merchants (excluding cash-equivalent\ntransactions) and such other charges we designate as Purchases.\nOnly a payment made by us, at your request via our customer service center or\nour website, to transfer all or part of your balance with another creditor to your\naccount with us will be considered and treated as a Balance Transfer under this\nAgreement. Your use of a check used to access your account for any purpose is\nnot considered a Balance Transfer under this Agreement.\nStandard (Variable) Rates. Except as otherwise stated in this \xe2\x80\x9cStandard\n(Variable) Rates\xe2\x80\x9d provision or upon amendment of this Agreement, the monthly\nperiodic rates and corresponding APRs used to compute the periodic interest\ncharges on your account will be variable rates which may increase or decrease\n1\n\nfor each new billing cycle based on changes in the U.S. Prime Rate published\nin The Wall Street Journal (\xe2\x80\x9cPrime\xe2\x80\x9d). Your corresponding APRs, divided by 12\nand truncated to the next one-thousandth percentage point will be your monthly\nperiodic rates. Your rates will not exceed the maximum we are allowed to charge\nunder applicable law. We will use the value of Prime published on the last business\nday of each calendar month (the Determination Date) in order to calculate your\nAPRs in effect from the first day through the last day of your billing cycle ending\nin the calendar month following the Determination Date. If more than one Prime\nrate is published on the Determination Date, we will use the highest. An increase\nin your rates will increase your interest charges and may increase your minimum\nmonthly payment.\nYour APRs on Purchases, Balance Transfers and Cash Advances will equal the\nsum of Prime plus a margin (\xe2\x80\x9cMargin\xe2\x80\x9d). Margin means the percentage points\nadded to the Prime Rate to calculate the APR. Your Margins, corresponding APRs\nand monthly periodic rates for Purchases, Balance Transfers and Cash Advances\nare shown on the enclosed folder containing your card which includes the Account\nOpening Disclosure Table on the back of the folder.\nPromise to Pay. You promise to pay us, in accordance with the terms of this\nAgreement, for all transactions on your account, plus all interest, finance charges\nand other charges, fees and expenses incurred on or in connection with the\naccount. You will be individually and, if applicable, jointly and severally liable for\nthe total balance, whether the charges are made by you or by a person authorized\nby you in any way to use your account in any way. You cannot transfer or assign\nthe account to another person.\nCredit Limit. Your initial credit limit appears on the folder containing your card.\nWe may increase or decrease your credit limit at any time. Each of your billing\nstatements will reflect your credit limit in effect as of the date of the statement. You\nagree not to conduct any transaction that would cause the total balance of your\naccount to exceed your credit limit. We may honor, at our discretion, transactions\nwhich exceed your credit limit. You agree to pay any amount that exceeds your\ncredit limit immediately upon request. Without additional notice we may limit\nthe number or dollar amount of account transactions, and/or authorizations for\ntransactions, within your credit limit for security or other reasons.\nBilling Statements. We will send or make available a billing statement for each\nmonthly billing cycle for which a Purchase, Balance Transfer or Cash Advance is\nposted to your account or if there is a debit or credit balance of more than $1.00.\nThe statement will reflect each Purchase, Balance Transfer or Cash Advance\ntransaction posted to your account, your New Balance, Payment Due Date,\nMinimum Payment Due, Interest Charges, Fees and other important information.\nUnless you notify us of any alleged errors in accordance with the Billing Rights\nNotice in this Agreement, we may consider the statement correct for all purposes.\nMaking Payments:\nEffects of Making Minimum Payments. If you make only the minimum payment\neach billing period, you will pay more in interest and it will take you longer to pay\noff your balance.\nApplication of Payments. We will determine, at our discretion, the amount of\nand order in which minimum payments will be applied to Purchases, Balance\nTransfers, Cash Advances, Interest, Finance Charges and other fees and charges.\nIf your account has balances with different APRs, we will allocate your minimum\npayments to balances subject to lower APRs before balances subject to higher\nAPRs. If you make more than the minimum payment, we will allocate amounts\n2\n\nin excess of the minimum payment to balances subject to higher APRs before\nbalances subject to lower APRs, even if, as required by applicable law, this\nallocation results in a loss of any Grace Period for which you may otherwise have\nbeen eligible. This payment allocation method applies to all higher APR balances,\nincluding transactions subject to higher APRs posted since your last statement.\nNew Balance. The details and amount of your New Balance for each monthly\nbilling cycle will appear on your billing statement in the Summary of Account\nActivity section.\nMinimum Payment Calculation. You may pay all or part of your balance at any\ntime, but each month you must pay at least the Minimum Payment Due shown\non the billing statement. If your New Balance is $25.00 or less, the Minimum\nPayment Due will be the New Balance in full. Otherwise, the Minimum Payment\nDue will be the total of (1) the greatest of (a) 2.5% of your New Balance, (b)\n1% of your New Balance, plus interest charges assessed in the current billing\ncycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2) net\nfees (excluding Cash Advance and Currency Conversion Fees) in excess of $0\nassessed in the current billing cycle; plus (3) all amounts past due.\nForm of Payments. Do not send cash by mail. If you pay by check or money order,\nthe check or money order must be in U.S. Dollars drawn on funds on deposit in\na federally-insured U.S. depository institution. However, we may, at our option,\naccept checks or money orders drawn on non-U.S. banks and impose service\nand collection charges on your account for processing such items. When you\nsend a personal check to the BankCard Center, we may initiate an electronic\ndebit for the amount of your check to your account at the financial institution on\nwhich the check was written. Your payment will appear as an electronic debit on\nthe statement for the account from which you made payment and will include\nthe name of the payee \xe2\x80\x9cBankCard Center\xe2\x80\x9d, the check number and the payment\namount. We can (but are not required to) accept late payments, partial payments,\npayments marked or accompanied by \xe2\x80\x9cpayment in full\xe2\x80\x9d or similar language, or\npayments which are otherwise improper without losing any of our rights under this\nAgreement, including our right to require payment of the entire balance.\nPayment Processing. Payments accompanied by the payment coupon are\nproper payments. Payments not accompanied by the payment coupon MUST\ninclude the current account number and other information as needed to identify\nthe appropriate account in order to be proper payments. Proper payments will\nbe applied to your account as of the date received if received Monday-Friday,\nexcluding federal holidays, by the times shown below:\n\xe2\x80\xa2 Payments received at BankCard Center, P.O. Box 385, Memphis, TN\n38101\xc2\xac0385 by 5:00 p.m. CT\n\xe2\x80\xa2 Payments delivered in person to and processed by an employee at a\nfinancial center, or other bank location that accepts such payments, by\nclose of business at that location\n\xe2\x80\xa2 Payments made via Banking Online website by 8:00 p.m. CT\nProper payments received on a day that the bank does not process payments or\nlater than the times shown above will be applied the next business day. Any other\npayment may not be applied until 5 days after receipt.\nVisa Money Transfer. You have the ability to receive a credit transfer to your credit\ncard via a Visa Money Transfer under which you or a third party may transfer\nfunds to you. Funds will appear on the statement as a \xe2\x80\x9cVisa Transfer\xe2\x80\x9d, but funds\nwill be treated as a non-proper payment to your account within 2 business days\n\nof receipt. We have the right to refuse/return a transfer restricted/prohibited by\napplicable federal, state or local law or by this Agreement.\nFinance Charges.\nInterest Charges. We will impose periodic interest charges based on the monthly\nperiodic rates that apply to Purchase, Balance Transfer and Cash Advance average\ndaily balances. Periodic interest charges will begin to accrue on all average daily\nbalances from the date that transactions are posted to your account, except for\nPurchase transactions that may be eligible for a grace period (see Paying Interest\nsection of this Agreement).\nIf the periodic interest charge calculated for a billing cycle in the manner described\nin the Calculating Average Daily Balances section is less than $.50 but more\nthan $.00, we will impose a $.50 minimum charge (in addition to any applicable\nCash Advance Fee(s)). The amount of interest charged will be shown on your\nbilling statement in the Interest Charged section; except that, when imposed, the\nminimum charge will appear in the Fees Charged section of your statement.\nForeign Currency Transactions. If a transaction on the account is in a currency\nother than U.S. Dollars, Visa will convert the amount of the transaction (whether\na purchase, cash advance or credit) to U.S. Dollars as provided by Visa rules\nthen in effect. Currently, Visa rules provide that the exchange rate between the\ntransaction currency and the billing currency used for processing international\ntransactions will be a rate selected by Visa from the range of rates available in\nwholesale currency markets for the applicable central processing date (which rate\nmay vary from the rate Visa itself receives) or the government mandated rate in\neffect for the applicable central processing date. You agree to accept the converted\namount. We will not charge a currency conversion fee to Visa Signature accounts.\nPaying Interest:\nGrace Period for Purchases. You will have a grace period during which we will\nnot impose an interest charge on Purchases if you pay your New Balance by the\nPayment Due Date shown on the billing statement each month. Otherwise, we\nwill impose a periodic interest charge on the average daily balance of Purchases.\nGrace Period for Balance Transfers. You will have a grace period during which\nwe will not impose an interest charge on Balance Transfers if you pay your New\nBalance by the Payment Due Date shown on the billing statement each month.\nOtherwise, we will impose a periodic interest charge on the average daily balance\nof Balance Transfers.\nCash Advances. There is no grace period for Cash Advances. We will impose a\nperiodic interest charge on the average daily balance of Cash Advances.\nCalculating Average Daily Balance:\nPurchase Balance. To determine this average daily balance, we (a) start with the\nprevious Purchase balance at the beginning of each new billing cycle and subtract\nany unpaid interest charge and unpaid fees which were included in that balance;\n(b) determine the Purchase balance for each day of the billing cycle by subtracting\nany payments and credits applied to the Purchase balance and by adding new\nPurchases; and (c) at the end of the billing cycle, add these daily balances and\ndivide the total by the number of days in the billing cycle to determine the average\ndaily balance for Purchases. We then multiply this average daily balance by the\nmonthly periodic rate that applies to Purchases to determine the amount of your\nperiodic interest charge on Purchases.\nBalance Transfer Balance. To determine this average daily balance, we (a) start\nwith the previous Balance Transfer balance at the beginning of each new billing\n\n3\n\n4\n\ncycle and subtract any unpaid interest charge and unpaid fees which were\nincluded in that balance; (b) determine the Balance Transfer balance for each day\nof the billing cycle by subtracting any payments and credits applied to the Balance\nTransfer balance and by adding new Balance Transfers; and (c) at the end of the\nbilling cycle, add these daily balances and divide the total by the number of days in\nthe billing cycle to determine the average daily balance for Balance Transfers. We\nthen multiply this average daily balance by the monthly periodic rate that applies\nto Balance Transfers to determine the amount of your periodic interest charge on\nBalance Transfers.\nCash Advance Balance. To determine this average daily balance, we (a) start with\nthe previous Cash Advance balance at the beginning of each new billing cycle and\nsubtract any unpaid interest charge and unpaid fees which were included in that\nbalance; (b) determine the Cash Advance balance for each day of the monthly\nbilling cycle by subtracting payments and credits applied to the Cash Advance\nbalance and adding new Cash Advances; and (c) at the end of the billing cycle, add\nthese daily balances and divide the total by the number of days in the billing cycle\nto determine the average daily balance for Cash Advances. We then multiply this\naverage daily balance by the monthly periodic rate that applies to Cash Advances\nto determine the amount of your periodic interest charge on Cash Advances.\nOther Fees and Charges:\nAnnual Fee. $0\nEligibility. To be eligible for a Visa Signature Card, you must have a minimum gross\nannual income of $35,000.\nCash Advance Fee. We will impose a Cash Advance Fee equal to 4% of each new\nCash Advance. However, the fee will not be less than $10 per transaction or more\nthan the amount allowed by applicable law or regulation. Each Cash Advance Fee\nwill be itemized in the Transactions section on your billing statement. The total\namount of any Cash Advance Fee(s) will be shown on your billing statement in\nthe Fees Charged section.\nBalance Transfer Fee. We will impose a Balance Transfer Fee equal to 4% of each\nnew Balance Transfer. However, the fee will not be less than $10 per transaction\nor more than the amount allowed by applicable law or regulation. Each Balance\nTransfer Fee will be itemized in the Transactions section on your billing statement.\nThe total amount of any Balance Transfer Fee(s) will be shown on your billing\nstatement in the Fees Charged section.\nReturned Payment Fee. When a check or other payment on your account is not\nhonored, cannot be processed or otherwise cannot be applied to your account,\nwe will charge you a returned payment fee of up to $25.00 for the first occurrence\nand up to $35.00 for any additional occurrences in the following six billing cycles.\nLate Payment Fee. If we do not receive at least the minimum payment due on your\naccount by the Payment Due Date shown on your billing statement, we will charge\nyou a late payment fee of up to $25.00 for the first occurrence and up to $35.00\nfor any additional occurrences in the following six billing cycles.\nCollection Costs and Attorneys\xe2\x80\x99 Fees. Except as prohibited by applicable law,\nyou will pay our collection costs and attorneys\xe2\x80\x99 fees if you default under this\nAgreement.\nSecurity Interest. Collateral furnished to secure any other credit you may owe us\nmay also secure this account. However, if collateral securing other credit is your\npersonal residence, we waive any claim we might otherwise have to treat that\nproperty as collateral for this account.\n5\n\nAccount Use by Others. Think carefully before you lend your card or authorize\nanother person to use your card or account. You cannot limit that person\xe2\x80\x99s\nauthority to use the account, and you cannot terminate such authority (1) until\nwe receive notice of revocation; and (2) until you recover possession of the card.\nNotices. If we have to notify you of anything concerning your credit card account,\nthe notice will be effective if we send it to your name and address as they appear\nin our records or you receive such notice by any other means. You will notify us in\nwriting immediately if you change your name, address, telephone number or other\npertinent contact information. If you write to us for any reason other than to make\na payment, send your letter to: BankCard Center, P.O. Box 1545, Memphis, TN\n38101-1545. If you are one of our Banking Online customers who receives notices\nor statements electronically, you will notify our Banking Online Department if you\nchange your e-mail address by following the instructions in your Banking Online\nAgreement. Additionally, if you become aware of an error regarding how activity\non this account appears on a credit report, please write us at BankCard Center, P.O.\nBox 1545, Memphis, TN 38101-1545.\nDefault/Entire Balance Due. You will be in default if you fail to pay at least the\nminimum payment shown on the billing statement, or fail to comply with any\nother term of this Agreement or any other agreement with us, or in the event of\nyour bankruptcy, death, fraud or misrepresentation. If you are in default, we can\ndemand immediate payment of the entire balance and all fees and charges then\nowing on the account, as allowed under applicable law.\nClosing or Suspending your Account \xe2\x80\x93 Non-default. You may close your account\nat any time by notifying us in writing or by calling us. If more than one person is\nobligated under the Agreement, any one of them may close the account at any\ntime and we may immediately close the account after we receive such a request\nwithout giving notice to other persons obligated for amounts owed under the\nAgreement. You agree that you will not hold us responsible for any inconvenience,\ncosts or damage you incur arising from the closing of the account by one person\nobligated under the Agreement. You may re-open your account after you close it\nprovided one or both persons obligated on the account provide(s) us with a written\nrequest to re-open it within 30 days after the closure. We may close or suspend\nyour account at any time without prior notice unless required by applicable law.\nIn the event of any closing or suspension, you will immediately stop using the\naccount in any way, you will return or destroy the card(s) upon request, and\nyou will contact anyone you authorized to charge transactions to your account,\nsuch as phone companies or internet service providers, to change your billing\narrangement. You will remain obligated to pay the account balance and all fees and\ncharges according to the term of this Agreement or as otherwise agreed between\nus. Additionally, if we extend credit to you because you use the account or preauthorized charges are paid after you close the account, you will be responsible\nfor payment of such credit in accordance with the Agreement.\nCredit Information. You authorize us to make credit, employment and investigative\ninquiries about you from time to time to credit reporting agencies and others\nuntil the Agreement is terminated and the account balance is paid in full. You\nalso promise to provide current financial information upon our request. We may\nreport information about the account to credit reporting agencies, other creditors,\nVisa, and others who may properly receive such information, in accordance with\napplicable law and the Privacy Notice contained herein.\nPromotions. From time to time, we may offer you temporary promotional terms. If\nwe do, we will advise you in writing of the scope and duration of the promotional\n6\n\nterms, and your regular terms will resume at the time our offer specifies.\nOccasionally, you may be contacted about promotions, credit card enhancements\nand special products. If you prefer not to receive this information, please write to\nus at BankCard Customer Service, P.O. Box 1545, Memphis, TN 38101-1545.\nPlease allow sixty (60) days for your request to take effect.\nTelephone Monitoring. You consent and agree that we may monitor and record\nyour telephone calls with our employees or contractors.\nMerchant Refunds/Credits. Merchants are not allowed to make cash refunds for\ncard transactions on your credit card account, subject to a very few exceptions.\nInstead, if the merchant grants your request for a refund, it is the merchant\xe2\x80\x99s\nresponsibility to send a credit through Visa so that we can credit your account.\nYou should retain your copy of the credit slip prepared by the merchant. If the\nmerchant discloses a policy limiting or disallowing refunds, you will be bound\nby it. If you make travel or lodging or other reservations, you will be bound by\nthe merchant\xe2\x80\x99s cancellation policy, and you must obtain a cancellation code from\nthe merchant to avoid or limit any charges in accordance with that policy. If you\ngive a merchant continuing authority to charge your account for repeat charges,\nyou must notify the merchant when you wish to revoke that authorization. If the\nmerchant continues to initiate such charges, to preserve your billing rights you\nmust continue to notify us promptly every time your billing statement reflects a\nnew charge.\nAssignment. We may assign any or all of our rights under this Agreement,\nincluding any debt you owe us.\nCaptions. Captions used in this Agreement are intended solely as aids to\nconvenient reference and do not affect the interpretation of this Agreement.\nApplicable Law/Non-Waiver/Severability. YOUR ACCOUNT AND THE TERMS\nAND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL\nLAW AND THE LAW OF TENNESSEE. We can delay enforcing any of our rights\nunder this Agreement any number of times without waiving our rights in the future.\nIf any term of this Agreement is found to be unenforceable, all other provisions\nremain in full force and effect.\nIllegal Transactions. You agree not to make or permit to be made any illegal\ntransactions on the account through use of the card, any other account access\ndevice issued by us, or in any other manner. We may, but are not required to,\ndeny authorization for any internet gambling transactions, any internet purchase of\ntobacco products, or any other illegal transactions. You agree that illegal use of the\ncard or the account will be deemed an action of default and/or breach of contract\nand, in such event, the account and other related services may be terminated\nat our discretion. You further agree that should illegal use occur, you waive any\nright to sue us for such illegal use or any activity directly or indirectly related to it,\nand you agree to indemnify and hold us harmless from any suits, legal action, or\nliability directly resulting from such illegal use.\nLost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is\nlost or stolen or if you think someone used or may use your account without\npermission, you agree to notify us immediately by calling the number that is found\non the back of your card or on your monthly credit card statement. Upon our\nrequest, you agree to provide us such written information as we request or require\nto assist our investigation.\n\n7\n\n\x0c'


b'Disclosure\nMasterCard Gold PUNTOS\nINTEREST RATES AND INTEREST CHARGES\n\nAnnual Percentage Rate (APR) for Purchases of\nGoods and Services\n\n1.99% Introductory APR for the first 6 months from the date the card is issued. After\nthat, your APR will be from 9.70% to 19.70% based on your creditworthiness\nand subject to other credit requirements established by Oriental Bank (\xe2\x80\x9cOriental\xe2\x80\x9d). This APR\nwill vary with the market based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d).1\n\nAPR for Balance Transfers of Other Financial\nInstitutions\n\nAPR for Cash Advances\n\n1.99% Introductory APR for the first 6 months from the date the card is issued. After that,\nyour APR will be from 9.70% to 19.70% based on your creditworthiness and subject to other\ncredit requirements established by Oriental. This APR will vary with the market based on\nthe Prime Rate.1\n22.74%, this APR will vary with the market based on the Prime Rate.\n29.99%\nThis APR will apply if you make a late payment.2\n\nPenalty Rate and when it Applies\n\nHow Long Will the Penalty APR Apply? If your APRs are increased for this reason, the\nPenalty Rate will remain in effect until the account becomes current and the Bank receives\n6 consecutive required minimum payments on or before their due dates.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you\ninterest on new Purchases if you pay your entire balance by the due date of each month.\nHowever, we will begin charging interest on cash advances and balance transfers from the\ndisbursement date of these transactions.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau (\xe2\x80\x9cCFPB\xe2\x80\x9d)\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the CFPB at https://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fees\n\nNo Annual Fee for the first year, after that $25 yearly.\n$10 Additional Card Issuance Fee Per Card (If applicable)\n\nTransactional Fees\n\xe2\x80\xa2\nCash Advances (including Balance\nTransfers).\n\xe2\x80\xa2\nForeign Transactions\nPenalty Fees\n\xe2\x80\xa2\nLate Payment Fee\n\xe2\x80\xa2\nReturned Check Fee\n\n2% of the amount of each transaction (minimum $2.00; maximum $10.00)\n\n1% of each transaction in U.S. dollars\nUp to $35.00\n$10.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases)\xe2\x80\x9d.\nLoss of introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\n1\n\nPrime Rate: The abovementioned variable rates are accurate based on a 3.25% Prime Rate. We added a margin of\n6.45% to 16.45% to the Prime Rate in order to determine the Purchase of Goods/Services and Balances Transfers APRs.\n2\n\nLate payment means when a minimum payment is not received within a period of 60 consecutive days from its payment\ndue date.\nDisclosed information about applicable rates, APRs and charges of the MasterCard Gold PUNTOS is accurate as of\nMarch 2020. This information may have changed. For updated information in connection with this card you can write us\nat P.O. Box 195115, San Juan, P.R., 00919-5115 or call us at 1.800.981.5554.\n\nOriental Bank is Member FDIC\n\n\x0c'


b'Divulgaci\xc3\xb3n\nMasterCard Gold PUNTOS\nTASAS DE INTERESES Y CARGOS\n\n1.99%\nTasa de Porcentaje Anual (\xe2\x80\x9cAPR\xe2\x80\x9d)\nPara Compras de Mercanc\xc3\xadas y Servicios\n\nde la tarjeta.\n\nAPR introductorio por los primeros 6 meses a partir de la fecha de emisi\xc3\xb3n\nLuego de este periodo, su APR ser\xc3\xa1 desde\n\n9.70%\n\nhasta\n\n19.70%, basado en su historial de cr\xc3\xa9dito y sujeto a los requisitos crediticios\nAPR para Transferencias de Balances de otras\nInstituciones Financieras\n\nAPR para Adelantos en Efectivo\n\nestablecidos por Oriental Bank (\xe2\x80\x9cOriental\xe2\x80\x9d). Este APR variar\xc3\xa1 de acuerdo al mercado\nbasado en la Tasa Preferencial de los Estados Unidos (Prime Rate).1\n1.99% APR introductorio por los primeros 6 meses a partir de la fecha de emisi\xc3\xb3n de la\ntarjeta. Luego de este periodo, APR ser\xc3\xa1 desde 9.70% hasta 19.70%, basado en su\nhistorial de cr\xc3\xa9dito sujeto a los requisitos crediticios establecidos por Oriental. Este APR\nvariar\xc3\xa1 de acuerdo al mercado basado en la Tasa Preferencial de los Estados Unidos\n(Prime Rate).1\n22.74%, este APR variar\xc3\xa1 de acuerdo al mercado basado en la Tasa Preferencial de los\nEstados Unidos (Prime Rate).\n29.99%\nEste APR aplicar\xc3\xa1 si usted realiza un pago tard\xc3\xado.2\n\nAPR por Penalidad y cu\xc3\xa1ndo aplicar\xc3\xa1\n\nPago de Intereses\n\n\xc2\xbfHasta cu\xc3\xa1ndo aplicar\xc3\xa1 el APR por penalidad? Si sus APRs aumentan por esta raz\xc3\xb3n,\nel APR por penalidad aplicar\xc3\xa1 hasta que el Banco reciba 6 pagos m\xc3\xadnimos consecutivos en\no antes de sus fechas de vencimiento.\nSu fecha l\xc3\xadmite de pago ser\xc3\xa1 de por lo menos de 21 d\xc3\xadas despu\xc3\xa9s del cierre de cada ciclo\nde facturaci\xc3\xb3n. No le cobraremos intereses sobre compras de mercanc\xc3\xada y servicios si\nusted paga la totalidad de dicho balance todos los meses en o antes de la fecha de\nvencimiento de su pago. No obstante, en las transacciones de adelantos en efectivo y\ntransferencias de balances se le cobrar\xc3\xa1 intereses desde la fecha en que se efect\xc3\xbaen los\ndesembolsos de estas transacciones.\n\nCargo M\xc3\xadnimo por Intereses\n\nSi se le cobrara intereses, el cargo no ser\xc3\xa1 menor de $1.50.\n\nPara Consejer\xc3\xada Sobre Tarjetas de Cr\xc3\xa9dito por la\nConsumer Financial Protection Bureau (\xe2\x80\x9cCFPB\xe2\x80\x9d)\n\nPara m\xc3\xa1s informaci\xc3\xb3n acerca de los factores a considerar al solicitar o utilizar una tarjeta de\ncr\xc3\xa9dito visite la p\xc3\xa1gina de Internet de la CFPB en\nhttp://www.consumerfinance.gov/learnmore\n\nCARGOS\nCuota Anual\nCargos por transacciones\n\xe2\x80\xa2\nAdelantos en Efectivo (incluye transferencias\nde balances)\n\xe2\x80\xa2\nCambio de Moneda\nCargos por Penalidad\n\xe2\x80\xa2\nCargos por Mora\n\xe2\x80\xa2\nCheque devuelto\n\nNing\xc3\xban cargo por Cuota durante el primer a\xc3\xb1o a partir de la fecha de emisi\xc3\xb3n de la tarjeta,\nluego $25 anuales\n$10 Cargo por emisi\xc3\xb3n de cada tarjeta adicional (si aplica)\n2% del total de adelanto en efectivo (m\xc3\xadnimo $2.00 y m\xc3\xa1ximo $10.00)\n1% del monto de cada transacci\xc3\xb3n en d\xc3\xb3lares US\nHasta un m\xc3\xa1ximo de $35.00\n$10.00\n\n\xc2\xbfC\xc3\xb3mo calculamos sus balances?: Utilizamos un m\xc3\xa9todo llamado Balance Diario Promedio (incluyendo compras nuevas de mercanc\xc3\xadas y\nservicios).\nP\xc3\xa9rdida de las tasas introductorias: Podemos terminar su APR introductorio y aplicar el APR por incumplimiento si usted realizara un pago tard\xc3\xado.\n1\n\nTasa Preferencial (Prime Rate): Las tasas variables indicadas son certeras bas\xc3\xa1ndose en la tasa preferencial de 3.25%. Hemos a\xc3\xb1adido un\nmargen de 6.45% a 16.45% a la tasa preferencial para determinar los APRs de Compras y de Transferencias de Balances.\n2\n\nPago tard\xc3\xado significa que el pago m\xc3\xadnimo no es recibido durante un periodo de 60 d\xc3\xadas consecutivos a partir de la fecha de vencimiento del pago.\n\nLa informaci\xc3\xb3n divulgada sobre tasas, APRs y cargos aplicables a la tarjeta de cr\xc3\xa9dito MasterCard Gold PUNTOS es certera a marzo de 2020. La\nmisma podr\xc3\xada haber variado. Para obtener informaci\xc3\xb3n actualizada sobre esta tarjeta puede escribirnos a PO Box 195115, San Juan, PR 00919-5115\no llamarnos al 1.800.981.5554.\n\nOriental Bank es miembro FDIC.\n\n\x0c'


b'Disclosure Statement for Oriental Master Card\xc2\xae\nINTEREST RATES AND INTEREST CHARGES\nAnnual percentage rate (APR) for\nPurchases\n\n18.00%\nThose applicants, who at the time of application are identified as active members of the Armed Forces as\nestablished by the Military Lending Act (MLA) or a covered dependent, will be granted a 6.00% annual\npercentage rate (APR), for as long as he/she remains on active duty. Once the member of the armed forces\nceases to be in active military service, the special rate granted will be changed to the current applicable annual\npercentage rate (APR).\n\nAPR for Cash Advances and Balance\nTransfers\n\nPenalty Rate and When it Applies\n\n18.00%\nThose applicants, who at the time of application are identified as active members of the Armed Forces as\nestablished by the Military Lending Act (MLA) or a covered dependent, will be granted a 6.00% annual\npercentage rate (APR), for as long as he/she remains on active duty. Once the member of the armed forces\nceases to be in active military service, the special rate granted will be changed to the current applicable annual\npercentage rate (APR).\nUp to 30% APR. The Penalty Rate for which you qualify will depend on your creditworthiness, the seriousness\nand timing of your default, and other factors provided in your Oriental Cardholder Agreement.\nThis APR may be applied to your account if you:\n\xef\x82\xb7\nFraudulently or materially misrepresent facts to us.\n\xef\x82\xb7\nMake a late payment\n\xef\x82\xb7\nMake a payment to us that is not honored by your financial institution.\n\xef\x82\xb7\nGo over your credit limit\n\xef\x82\xb7\nFail to comply with the terms of your Oriental Cardholder Agreement.\n\xef\x82\xb7\nBecome unwillingly or unable to pay your debts to us or to others on time.\n\xef\x82\xb7\nFile for bankruptcy\n\xef\x82\xb7\nBecome incapacitated or in the event or your death.\n\xef\x82\xb7\nA judgment is rendered against you\n\xef\x82\xb7\nBreach of terms of workout or temporary hardship arrangement.\nHow Long Will the Penalty APR apply? If your APRs are increased for any of these reasons, the Penalty APR\nwill apply until you make six consecutives minimum payments when due.\nThis Penalty APR will not apply as long as the cardholder is covered by the provision of the Military Lending Act (MLA).\n\nPaying Interest\n\nFor Credit Card Tips from Consumer\nFinancial Protection Bureau\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you interest on\npurchases if you pay your entire balance by the due date every month. We will begin charging interest on\nBalance Transfers, Cash Advances and Oriental credit card checks on the date of the transaction\nTo learn more about factors to consider when applying for or using a credit card visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES\nSet-up and Maintenance Fees\n\nAnnual Fees\nAdditional Card Fee\nCustomers covered by the Military\nLending Act (MLA)\n\nNotice: Some of these set-up and maintenance fees will be assessed before you begin using your card and will\nreduce the amount of credit you initially have available. For example, if you are assigned the minimum credit\nlimit of $250, your initial available credit will be only $228 (or $217 if you choose to have an additional card).\nYou may still reject this plan, provided that you have not used the Account or paid a fee after receiving a billing\nstatement. If you do reject the plan, you are not responsible for any fees or charges.\n$22 for primary card.\n$11 annually (if applicable)\n$0\n\nTransaction fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nBalance Transfer Fee\nCash Advance Fee\nForeign Transaction Fee\n\n3% of the total balance transfer\n3% of the total cash advance\n2% of the total foreign transaction\n\nLate Payment Fees\nReturned Credit Card Check Fee\nNSF (Non-Sufficient Fund) Fee\n\nUp to $35\nUp to $35\nUp to $35\n\n\xef\x82\xb7\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\n\xef\x82\xb7\n\nHow We Will Calculate Your Balance: We use average daily balance (including new transactions). See your Oriental Cardholder Agreement for more\ndetails.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights provided in you Oriental Cardholder Agreement\nOther Fees\n\xef\x82\xb7\nRetrieval of items/Request Copy of a Sales Draft\n\xef\x82\xb7\nReplacement / Additional Statement\n\xef\x82\xb7\nLost or damaged card\n\n$5\n$5\n$15\n\nMember FDIC\nEffective December 2019\n\xc2\xae Master Card is a registered trademark of Master Card International Incorporated\n\n\x0c'


b'Disclosure\nMasterCard Standard\nINTEREST RATES AND INTEREST CHARGES\n\nAnnual Percentage Rate (APR) for Purchases of\nGoods and Services\n\n1.99% Introductory APR for the first 6 months from the date the card is issued. After\nthat, your APR will be from 9.70% to 18.70% based on your creditworthiness\nand subject to other credit requirements established by Oriental Bank (\xe2\x80\x9cOriental\xe2\x80\x9d). This APR\nwill vary with the market based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d).1\n\nAPR for Balance Transfers of Other Financial\nInstitutions\n\nAPR for Cash Advances\n\n1.99% Introductory APR for the first 6 months from the date the card is issued. After that,\nyour APR will be from 9.70% to 18.70% based on your creditworthiness and subject to other\ncredit requirements established by Oriental. This APR will vary with the market based on\nthe Prime Rate.1\n22.74%, this APR will vary with the market based on the Prime Rate.\n29.99%\nThis APR will apply if you make a late payment.2\n\nPenalty Rate and when it Applies\n\nHow Long Will the Penalty APR Apply? If your APRs are increased for this reason, the\nPenalty Rate will remain in effect until the account becomes current and the Bank receives\n6 consecutive minimum payments on or before their payment due dates.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you\ninterest on new Purchases if you pay your entire balance by the due date of each month.\nHowever, we will begin charging interest on cash advances and balance transfers from the\ndisbursement date of these transactions.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau (\xe2\x80\x9cCFPB\xe2\x80\x9d)\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the CFPB at https://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fees\n\nNone\n$10 Additional Card issuance Fee Per Card (If applicable)\n\nTransactional Fees\n\xe2\x80\xa2\nCash Advances & Balance Transfers\n\xe2\x80\xa2\nForeign Transactions\nPenalty Fees\n\xe2\x80\xa2\nLate Payment Fee\n\xe2\x80\xa2\nReturned Check Fee\n\n2% of the amount of each transaction (minimum $2.00; maximum $10.00)\n1% of each transaction in U.S. dollars\nUp to $35.00\n$10.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases of\ngoods and services)\xe2\x80\x9d.\nLoss of introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\n1\n\nPrime Rate: The abovementioned variable rates are accurate based on a 3.25% Prime Rate. We added a margin of\n6.45% to 15.45% to the Prime Rate in order to determine Purchase of Goods/Services and Balances Transfers APRs.\n2\n\nLate payment means when a minimum payment is not received within a period of 60 consecutive days from its payment\ndue date.\nDisclosed information about applicable rates, APRs and charges of the MasterCard Standard is accurate as of March\n2020. This information may have changed. For updated information in connection with this card you can write us at P.O.\nBox 195115, San Juan, P.R., 00919-5115 or call us at 1.800.981.5554.\n\nOriental Bank is Member FDIC.\n\n\x0c'


b'REVOLVING ACCOUNTS PLAN AGREEMENT\nMASTERCARD\n(THE \xe2\x80\x9cAGREEMENT\xe2\x80\x9d)\n(For Cards issued as of January 2019)\nUse of the MasterCard credit cards (each card issued under this agreement, a \xe2\x80\x9cCard\xe2\x80\x9d) issued by\nOriental Bank (\xe2\x80\x9cOriental,\xe2\x80\x9d the \xe2\x80\x9cBank\xe2\x80\x9d or \xe2\x80\x9cWe\xe2\x80\x9d) to the person(s) for which a revolving account is\nestablished under this Agreement (jointly and severally, if more than one, the \xe2\x80\x9cCardholder\xe2\x80\x9d or\n\xe2\x80\x9cYou\xe2\x80\x9d), shall be governed by the following terms and conditions and by the provisions of the\ndisclosures applicable to the Card that you have been issued (\xe2\x80\x9cDisclosure\xe2\x80\x9d) provided with this\nagreement and those that we send you along with your Card, which constitute an integral part of\nthis agreement (this agreement and the Disclosure, as both may be amended from time to time, the\n\xe2\x80\x9cAgreement\xe2\x80\x9d).\nThe Cardholder and/or the person(s) authorized to use the Account (as defined below) (each an\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d) may use the Card: to purchase, rent or lease goods or services (\xe2\x80\x9cPurchases\xe2\x80\x9d)\nfrom establishments that honor the Card; to obtain cash advances from the Bank or from any other\nbank that honors the Card, subject to limits set from time to time by the Bank or any other bank\nassociated to MasterCard International, Inc. (the \xe2\x80\x9cAssociation\xe2\x80\x9d) where the Card is presented\n(including convenience checks, as applicable, \xe2\x80\x9cCash Advances\xe2\x80\x9d); and to make balance transfers\nfrom other institutions (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d). The Card may only be used for personal, family or\nhousehold purposes. The Card shall not be used for business or corporate purposes or as a means\nof payment for any illegal purchase or transaction.\nThe Cardholder shall owe and promises to pay to the Bank the amounts charged to the revolving\naccount that is the subject of this Agreement (the \xe2\x80\x9cAccount\xe2\x80\x9d), for use of the Card by the Cardholder\nand any other Authorized User as payment for Purchases, to receive Cash Advances, and to make\nBalance Transfers, plus FINANCE CHARGES and any other applicable charge, which sums shall\nbe payable in full or in monthly installments in legal tender of the United States of America\n(\xe2\x80\x9cU.S.\xe2\x80\x9d), pursuant to the provisions of this Agreement.\nCREDIT LIMIT: You agree that the Bank, for your convenience, will establish a credit limit and\nthat any Purchases, Cash Advances, and Balance Transfers that you charge against your Account\nwill never exceed your credit limit from time to time in effect (\xe2\x80\x9cCredit Limit\xe2\x80\x9d). When you receive\nyour Card, you will be informed of your Credit Limit, which will also be included in each periodic\nAccount Statement (as defined below) we send you. You agree that the Bank may change your\nCredit Limit from time to time based on the assessment of your creditworthiness or payment\nhistory. You are responsible for keeping an eye on your Credit Limit, on your Account balance,\nand for not making transactions that exceed the Credit Limit. If you exceed your Credit Limit, the\nBank shall have the right to cancel your Card, require its return or confiscate it, and close the\nAccount. The Bank reserves the right not to process any transaction that exceeds the Credit Limit.\n\n\x0cAny amount over your Credit Limit will become immediately payable by you. The Minimum\nPayment (as defined below) will include any amount over your authorized Credit Limit.\nFINANCE CHARGES AND METHOD USED TO DETERMINE THE BALANCE ON\nWHICH THEY ARE CALCULATED:\nYou shall pay a monthly FINANCE CHARGE calculated on the Average Daily Balance for\nPurchases (including Purchases for new merchandise and services), Cash Advances, and Balance\nTransfers, respectively (each, a \xe2\x80\x9cTransaction Type\xe2\x80\x9d) in your Account for the corresponding billing\nperiod. The FINANCE CHARGE shall be calculated as follows:\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d): To determine the APRs, the Bank will use the U.S.\nprime rate published by the U.S. Federal Reserve (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d). The Bank will determine the\nAPR applicable to each Transaction Type by adding to the Prime Rate the margin corresponding\nto the applicable Transaction Type (each, an \xe2\x80\x9cApplicable Margin\xe2\x80\x9d). If the U.S. Federal Reserve\nfails to publish the Prime Rate, we will select a similar index as permitted by law or regulation.\nApplicable Margin: We will determine the Applicable Margin to Purchases and Balance Transfers\nbased on your credit rating at the time of approval of your Card application. The Applicable\nMargin to Cash Advances will be established by the Bank in accordance with its procedures.\nPeriodic Rate: To calculate the periodic rate (the \xe2\x80\x9cPeriodic Rate\xe2\x80\x9d) we will divide by 12 the APR\ncorresponding to each Transaction Type. The result will be the monthly Periodic Rate applicable\nto the corresponding Transaction Type.\nVariable Rate: The APRs and, therefore, the Periodic Rates respectively applicable to each\nTransaction Type are variable. This means that they can increase or decrease as the Prime Rate\nchanges. An increase in the Prime Rate could represent an increase in the APRs applicable to your\nAccount and your Minimum Payment. Any increase in the Prime Rate shall be effective from the\nfirst day of the billing period following the date on which the Prime Rate change occurred. In\naddition, from time to time, we may change the Applicable Margins to your Card as permitted by\nlaw or regulation. This can also cause your APRs, Periodic Rates and Minimum Payment to\nincrease or decrease.\nStatement on the MAPR (Military Annual Percentage Rate) applicable to credit extensions\nto consumers:\nFederal law provides important protections to members of the Armed Forces and their dependents\nin relation to extensions of consumer credit. In general, the cost of consumer credit for a member\nof the Armed Forces and its dependents cannot exceed an APR of 36%. This rate must include, as\napplicable to the credit transaction or account: the costs associated with credit insurance premiums;\nfees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\n\n2\n\n\x0cBALANCE ON WHICH THE FINANCE CHARGES ARE IMPOSED: To calculate the\nFINANCE CHARGE, we will use the average daily balance including Purchases for new\nmerchandise and services (the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d).\nWe obtain the Average Daily Balance for each Transaction Type: (i) by taking the beginning\nbalance for the appropriate Transaction Type each day of the billing period, subtracting any\npayments and credits made during the day, and adding any Purchases (for the computation of the\nAverage Daily Balance for Purchases), Cash Advances (for the computation of the Average Daily\nBalance for Cash Advances), Balance Transfers (for the computation of the Average Daily Balance\nfor Balance Transfers), and miscellaneous debits posted during the day, which gives us the\n\xe2\x80\x9cbalance owed each day in the billing period\xe2\x80\x9d for each Transaction Type (Purchases, Cash\nAdvances, or Balance Transfers); and (ii) then, for every Transaction Type, all \xe2\x80\x9cbalances owed\neach day in the billing period\xe2\x80\x9d are added and the total is divided by the number of days in the\nperiod; the result is the Average Daily Balance for each Transaction Type.\nCALCULATION OF THE FINANCE CHARGE: The FINANCE CHARGE corresponding to\na certain billing period for each Transaction Type is established by multiplying the Average Daily\nBalance pending payment corresponding to the Transaction Type in question by the Periodic Rate\napplicable to said Transaction Type.\nThe Purchases shall be assessed from the date the Bank pays the seller or person who renders the\nservices. However, no FINANCE CHARGE will be assessed on Purchases for billing periods\nwhere there is no previous outstanding balance, provided that the total Account balance, including\nPurchases, Cash Advances, and Balance Transfers made during the previous period, is paid or\ncredited in full to the Bank by the payment due date. There will be no grace period for Cash\nAdvances or Balance Transfers. FINANCE CHARGES on Cash Advances and Balance Transfers\nshall be assessed from the date the advances are paid.\nMinimum Interest Fees: FINANCING CHARGES are assessed on the principal balance only.\nProvided, that the FINANCING CHARGE shall not be less than $1.50. For details on fees and\nrates applicable to Purchases, Cash Advances, Balance Transfers and their corresponding APRs,\nother rates, and APRs relating to offers (if any), and any other information applicable to the Card,\nplease see the Disclosure.\nMINIMUM MONTHLY PAYMENT:\nYou may pay the new balance in full or in monthly installments, which shall be for an amount\nequal to or higher than the minimum payment, as stated below (the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d). If the\noutstanding total balance for Purchases is paid in full within 21 days of the date the Account\nStatement was sent and if there is no previous balance in said billing period, no FINANCE\nCHARGES will be assessed on the balance paid for Purchases. The Minimum Payment is the sum\nof (i) the Current Minimum Payment (as defined below), (ii) any portion due from the previous\nMinimum Payments (the \xe2\x80\x9cPast Amount Due\xe2\x80\x9d), and (iii) any amount over your authorized Credit\nLimit.\n\n3\n\n\x0cYour Current Minimum Payment will be an amount equivalent to 2% of the balance owed or $15,\nwhichever is greater; provided, that if your balance due is less than $15, then your Current\nMinimum Payment will be the total of the balance owed (\xe2\x80\x9cCurrent Minimum Payment\xe2\x80\x9d). Your\nMinimum Payment will also include past due debts.\nIn addition to the Minimum Payment as shown on the monthly Account Statement, the Cardholder\nwill be billed, and he/she must pay by the Minimum Payment due date every month, any amount\nrelated to late payments or amounts charged by the Cardholder over the authorized Credit Limit.\nThe Cardholder may pay the total outstanding amount at any time.\nAPPLICATION OF PAYMENTS: If you pay the Minimum Payment shown on the monthly\nAccount Statement, it will be applied in the following order: (1) to FINANCE CHARGES; (2) to\nthe outstanding balance for Purchases; (3) to the balance of Cash Advances; and (4) to Balance\nTransfers. As for payments that are greater than the Minimum Payment required, the excess\namount will be applied to the outstanding balance with the highest APR and any remaining amount\nof such excess will be applied to other balances in descending order, based on the applicable APR.\nYour payment will be credited as of the date of receipt if it is received at the address on the Account\nStatement and is made by a check from a bank in Puerto Rico or the U.S. and you include the\npayment coupon. Cash payments must be made at any of our branches. Do not send cash payments\nby mail; if you do, it is at your own risk. If payment is made at a branch of the Bank before its\nclosing time, it will be credited on the same day if made in cash or by check from a bank located\nin Puerto Rico or the U.S. Payments made using a mailbox at a branch of the Bank must include\nthe payment coupon in order to be processed on the same day. Cash payments must be made at\nany of our branches. Do not deposit cash payments at a branch mailbox; if you do, it is at your\nown risk. Previously programmed electronic payments through Bill Pay originated by Oriental\nOnline and other payments generated by Internet that are received by the Bank before 5:00 pm\nfrom Monday to Friday (except holidays) and all other payments received (including payments by\ntelephone and payments received through Bill Pay originated through other banks) received by the\nBank before 7:00 p.m. from Monday to Friday (except holidays) will be processed and accredited\non the same day. If your payday is a Sunday or holiday, your payment will be considered a payment\nmade on time provided it is received by the Bank during the next business day.\nMONTHLY ACCOUNT STATEMENT: The Bank will send you an Account Statement every\nmonth at the end of the billing period. Each Account Statement will have the following entries, as\napplicable: previous balance, payments, credits, debits, Purchases, Cash Advances, Balance\nTransfers, and convenience checks made during the billing period, the FINANCE CHARGE, the\nAPRs, the billing period closing date, the new total balance, the minimum payment and the\npayment due date (the \xe2\x80\x9cAccount Statement\xe2\x80\x9d). You must notify the Bank in writing of any error in\nthe Account Statement within sixty (60) days following the date the Account Statement was sent\nto you. The Bank reserves the right to not send the Account Statement under the circumstances\nallowed by law, including, but not limited to, billing periods at the end of which the Account has\na zero balance and there was no activity during the billing period; if the Account is deemed\nuncollectible by the Bank; if legal action to collect an outstanding debt has been filed; or when the\nlaw prohibits the Account Statement to be sent.\n\n4\n\n\x0cDEFAULT: You will have defaulted on this Agreement if you do not make any payment on time,\nif you file for bankruptcy, or if you do not comply with any other provision of this Agreement.\nWithout limitation to any other rights under this Agreement or under applicable law, in case of\ndefault, the Bank may demand payment of the entire outstanding balance. If the Bank is forced to\ncollect from you through a legal process, you may also incur legal expenses and attorney fees, as\nwell as any other amounts allowed by law.\nIn addition, if the Bank does not receive the Minimum Payment within sixty (60) days from its\ndue date, the APR applicable to existing balances and to new Purchases, Cash Advances and\nBalance Transfers will increase to the default penalty rate shown on the Disclosure (\xe2\x80\x9cPenalty\nRate\xe2\x80\x9d). In such a case, the Penalty Rate will be effective from the billing period or cycle beginning\nforty-five (45) days after the date we notify you of the application of the Penalty Rate. The Penalty\nRate will apply to transactions made beginning fifteen (15) days after the appropriate notice. The\nPenalty Rate will cease to be applied after the Bank has received six (6) consecutive payments for\nat least the Minimum Payment by their due date, starting with the first payment due after the\neffective date of the rate increase. After the suspension of the Penalty Rate, the regular rate stated\nin the Disclosure will apply, but any promotional or special rate will not apply. During the effective\nperiod of the Penalty Rate, the Minimum Payment will be calculated at 3% of the outstanding\nbalance.\nANNUAL FEE: For the ANNUAL FEE applicable to your Card, please refer to the Disclosure.\nCURRENCY CONVERSION FEE: Any transaction made in foreign currency will be shown in\nU.S. dollars in your Account Statement. The conversion from foreign currency to U.S. dollars will\nbe done by the Association. The foreign currency conversion will be done by using:\na)\nAn applicable rate of exchange selected by the Association amongst the various rates\navailable in the foreign exchange market at the date your transaction is processed. The exchange\nrate used by the Association for this purpose could be different from the rate obtained by the\nAssociation itself, or\nb)\nThe exchange rate determined by the applicable government for the date your transaction\nis processed.\nThe Association will assess a Currency Conversion Fee equal to 1% of the transaction amount in\nforeign currency.\nJOINT ACCOUNTS: The Cardholders, if more than one, will be jointly and severally liable for\npayment in full for any Purchases, Cash Advances, Balance Transfers, and transactions made with\nconvenience checks from the Card. The Bank may require the appearance and signature of all\nCardholders, in order to process certain instructions or requests, including, but not limited to (i) a\nrequest to increase or decrease the line of credit, (ii) the issuance of additional Cards, and (iii) a\nchange to the mailing address for the Account Statement. To the extent allowed by applicable law\nand regulations, you agree to indemnify and hold harmless the Bank and its parent company,\naffiliates, subsidiaries, directors, officials, employees and representatives from any liability for\n\n5\n\n\x0cdamage, loss or expenses arising from any action carried out by the Bank in compliance with\ninstructions provided by any of the Cardholders.\nLOST OR STOLEN CARD: If the Card is lost or stolen or if you think someone might use it\nwithout your authorization, you should immediately notify the Bank and complete and file any\nforms, complaints, statements or information that the Bank may require from you. In case of loss,\ntheft or potential unauthorized use, you may be liable for the unauthorized use of the Card for up\nto $50.00, unless you have notified the Bank of the loss, theft or potential unauthorized use of the\nCard prior to any Purchase or Cash Advance, by notifying in writing to the address included in the\nAccount Statement and calling toll free at 1-877-541-5739 or international at 1-866-839-3485.\nYOUR BILLING RIGHTS: This notice contains important information about your rights and\nthe Bank responsibilities under the Fair Credit Billing Act. We encourage you to keep it for future\nreference.\nWHAT TO DO IF YOU FIND AN ERROR ON YOUR ACCOUNT STATEMENT: Notify\nus in case of any error or questions about your Account Statement. If you think your Account\nStatement is incorrect or if you need more information about a transaction on your Account\nStatement, write to the Bank (on a separate sheet of paper) at the address indicated on your Account\nStatement, as soon as possible. The Bank must receive your letter no later than sixty (60) days\nafter we sent you the first Account Statement on which the error or problem appeared. You may\ncontact the Bank by phone, but doing so will not preserve your rights. In your letter, you must\nprovide the following information: (i) your name and Account number, (ii) the dollar amount of\nthe suspected error, and (iii) describe the error and explain, if you can, why you believe there is an\nerror. If you need more information, describe the entry you are unsure about. If you have\nauthorized the Bank to pay your Account Statement automatically from your checking or savings\naccount, you can stop the payment on any amount you think is incorrect. To stop the payment,\nyour letter must be received by the Bank at least three (3) business days before the automatic\npayment is scheduled to be made.\nYOUR RIGHTS AND THE RESPONSIBILITIES OF THE BANK AFTER RECEIVING\nYOUR WRITTEN NOTICE: When the Bank receives your written communication, there are\ntwo things we must do: (i) within 30 days of receiving your letter, the Bank will acknowledge\nreceipt; the Bank will also tell you if the error has been already corrected; (ii) within two (2)\ncomplete billing periods that will not exceed 90 days after receiving your letter, the Bank must\neither correct the error or provide you an explanation as to why we believe the Account Statement\nis correct.\nWhile we investigate whether it is an error or not: (i) the Bank cannot try to collect from you the\namount in question or report your Account as delinquent on that amount; (ii) the charge in question\nmay remain on your Account Statement and we may continue to charge you interest on that\namount; (iii) while you do not have to pay the amount in question, you are responsible for the\nremainder of the balance; and (iv) the Bank may apply any unpaid amount against your Credit\nLimit.\n\n6\n\n\x0cAfter we finish the investigation, one of two things will happen: (i) If we made a mistake, you will\nnot have to pay the amount in question or any interest or fee related to it; or (ii) if the Bank does\nnot think there was an error, you will have to pay the amount in question, along with applicable\ninterest and fees. The Bank will send you an Account Statement of the amount you owe and the\ndate payment is due. The Bank may then report your Account as delinquent if you do not pay the\namount the Bank believes you owe. If you receive our explanation but you still believe that the\nAccount Statement is wrong, you must send the Bank a written communication within the next ten\n(10) days notifying us that you still refuse to pay. If you do so, the Bank cannot report your Account\nas delinquent without also reporting that there is a dispute over your Account Statement.\nAlso, the Bank will tell you the name of all the people or entities to which the Bank reported your\ndelinquent Account, and will also tell those people or entities when your claim has been settled.\nIf the Bank does not follow the rules above, then it cannot collect from you the first $50.00 of the\ndisputed amount, even if your Account Statement is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT PURCHASE: If you\nare not satisfied with the goods or services purchased with your Card and, provided you have tried\nin good faith to correct the problem with the merchant or seller, you may have the right not to pay\nthe remaining amount due on the merchandise or service. There are two limitations to this right:\n(i) you must have made the purchase in Puerto Rico or, if not in Puerto Rico, within one hundred\n(100) miles of your mailing address, and the Purchase price must be more than $50; (ii) you must\nhave used the Card for the purchase (Purchases made with Cash Advances from an automated\nteller machine (ATM) or with a check that accesses your Account do not qualify); and (iii) you\nmust not yet have fully paid for the Purchase. These limitations do not apply if the business is\nowned or controlled by the Bank, or if the Bank sent you the advertisement or promotion for the\ngoods or services. If all of these criteria are met and you are still dissatisfied with the Purchase,\nwrite to us at the address shown above. While we investigate, the same rules stated previously\nregarding the disputed amount apply. After we finish the investigation, we will notify you our\ndecision. Then, if we believe that you owe any amount and you do not pay, we may report your\nAccount as delinquent.\nAMENDMENTS: The Bank reserves the right to amend this Agreement, including the APR,\nFINANCE CHARGES, the annual fee, an increase in the Minimum Payment required, and other\nfees and terms of this Agreement that constitute significant changes, as defined by law or\nregulation, at any time, by written notice to the Cardholder not less than forty-five (45) days before\nthe effective date of the amendment, except as otherwise allowed by applicable law or regulation;\nfor accounts with more than one Cardholder, notice to any Cardholder shall be effective for all.\nAny other amendment that is not a significant change, as defined by law or regulation, may be\nnotified by the Bank and shall be effective pursuant to the time schedule provided by such law or\nregulation. Any amendment to FINANCE CHARGES shall apply to Purchases, Cash Advances,\nand Balance Transfers made beginning on the effective date of the amendment.\nRIGHT TO REJECT AMENDMENTS: If you are notified of an amendment and you are given\nthe opportunity to reject it, you must follow the instructions on the notice. If the Bank does not\n\n7\n\n\x0creceive the Minimum Payment required within sixty (60) days after its due date, you will not have\nthe right to reject an amendment.\nTERMINATION OF AGREEMENT, CARD CANCELLATION, AND TRANSACTION\nDENIAL: You may cancel this Agreement at any time by notifying the Bank in writing and\nreturning your Card cut in half. The Bank reserves the right to cancel the credit approved under\nthe Card and may terminate this Agreement at any time. The Card is property of the Bank and the\nBank may: (i) cancel or revoke your right to use it at any time, with or without cause, and without\nprior notice; (ii) suspend the use of the Card including, without limitation, for security reasons or\nif unusual or suspicious activity is detected in your Account, until the authenticity of the transaction\nis verified. The Bank may approve Purchases, Cash Advances, and Balance Transfers that may\nexceed your credit limit, without waiving our rights under this Agreement.\nThe Bank may limit the number of Purchases, Cash Advances, and Balance Transfers approved\non any day and shall not be liable for transactions not approved by the Bank to a third party, even\nif you have available credit. You promise to return, upon request of the Bank, all Cards issued\nunder this Agreement and to continue being responsible for payment of the full outstanding\nbalance at the time of cancellation. Your obligations under this Agreement shall continue in effect\nregarding any outstanding balance, even when this Agreement is terminated by you or the Bank or\nin any other way. The Bank may issue a different Card at any time.\nINSURANCE: Any insurance coverage, including life, accidental death and dismemberment,\ndisability, or involuntary unemployment, is optional and is not a condition to grant you credit.\nMISCELLANEOUS PROVISIONS: Failure by the Bank to enforce any right under this\nAgreement shall not constitute a waiver of such right. If any clause or part of a clause of this\nAgreement is held by a court to be unlawful or invalid for any reason or if it becomes unenforceable\nas a result of a legal or regulatory provision, the remaining provisions of this Agreement shall not\nbe affected and shall remain in full force and effect.\nYou understand and agree that these Cards may not be used for business or corporate purposes.\nThe Bank, at its discretion, reserves the right to convert your account to any other type of revolving\naccount at any time, provided that you meet all of the credit criteria established by the Bank for\nthe new account.\nYOU ARE NOT REQUIRED TO ACCEPT THE CARD, AND YOU WILL NOT BE\nRESPONSIBLE FOR ANY FEE UNLESS YOU ELECT TO ACCEPT IT BY USING IT.\nTHE CARDHOLDER IS ENTITLED TO RESCIND THIS AGREEMENT IF, WITHIN\nFIFTEEN (15) DAYS OF RECEIVING IT AND WITHOUT USING THE CARD(S), THE\nCARDHOLDER NOTIFIES THE BANK. Use of the Card by the Cardholder or by any\nAuthorized User constitutes acceptance of the Card and of the terms and conditions of this\nAgreement by the Cardholder. If you do not wish to accept the Card, you must notify the Bank\nwithin fifteen (15) days of receiving it, without using the Card. To notify that you do not wish to\naccept the Card, you must call toll free at 1-877-541-5739 or international at 1-866-839-3485.\n\n8\n\n\x0cYou authorize the Bank to investigate your credit references. The Bank reserves the right to issue\nor not issue, or to renew or not renew, the Card(s).\nIf there is a claim against a person or entity from whom merchandise or services were purchased\nby charges to the Card account, the Cardholder shall solve such disputes directly with the seller of\nthe merchandise or services. In case of merchandise returns or adjustments to charges for services,\nthe Cardholder shall accept a credit to the Account in lieu of a cash refund.\nThis Agreement shall be governed and construed pursuant to the laws of the Commonwealth of\nPuerto Rico.\nOriental Bank\nCustomer Service\nPO Box 31535\nTampa, FL 33631-3535\n\n560053\n\n9\n\n\x0c'