b'CREDIT LINE ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n815 Colorado Boulevard\nLos Angeles, CA 90041\n(800) 231-1626\n\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, CLASSIC VISA,\nSECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA, CALIFORNIA PROFESSIONAL FIREFIGHTERS ("CPF") VISA, SECURED CALIFO RNIA\nPROFESSIONAL FIREFIGHTERS ("SECURED CPF") VISA, PROFESSIONAL FIREFIGHTERS OF ARIZONA ("PFFAZ") VISA, SECURED PROFESSIONAL FIREFIGHTERS OF\nARIZONA ("SECURED PFFAZ") VISA, WA STATE COUNCIL OF FIREFIGHTERS ("WSCFF") VISA, AND SECURED WA STATE COUNCIL OF FIREFIGHTERS ("SECURED\nWSCFF") VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM VISA, SECURED\nPLATINUM VISA, CPF VISA, SECURED CPF VISA, PFFAZ VISA, SECURED PFFAZ VISA, WSCFF VISA, AND SECURED WSCFF VISA CREDIT CARDS, AND/OR ANY OTHER\nACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. PHRASES OR\nNUMBERS PRECEDED BY A CHECKBOX ( ) ARE APPLICABLE ONLY IF THE CHECKBOX IS MARKED (E.G.\n).\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n\xef\x81\xaf _________________________________: _______%\n\nAPR For Balance Transfers\n\n\xef\x81\xaf _________________________________: ________%\n\nAPR For Cash Advances\n\n\xef\x81\xaf _________________________________: ________%\n\xef\x81\xaf _________________________________: ________%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each month\nwithin 25 days of Your statement closing date. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nFor VISA, if You are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp:www.consumerfinance.gov/learnmore.\n\nFees\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nFor VISA, up to $22.00\nExcept VISA, $22.00\nFor VISA, up to $15.00\nExcept VISA, $15.00\n\nHow We Will Calculate Your Balance: Except VISA, We use a method called "daily balance." For VISA, We use a method called\n"average daily balance (including new purchases).\xe2\x80\x9d See Your Account Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean FIREFIGHTERS FIRST FEDERAL CREDIT UNION dba FIREFIGHTERS FIRST CREDIT UNION\n(\xe2\x80\x9cFIREFIGHTERS FIRST CREDIT UNION\xe2\x80\x9d). The words "You" and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the\nplural. The words "Card" and "Credit Card" mean any Classic VISA, Secured Classic VISA, Platinum VISA, Secured Platinum VISA, CPF VISA, Secured CPF VISA, PFFAZ\nVISA, Secured PFFAZ VISA, WSCFF VISA, or Secured WSCFF VISA Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean the special\nAccount access devices that We may provide for Your use from time to time.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance\nrequest forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific\npayees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You\npromise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your\nAccount, including Finance Charges and other fees or charges described herein.\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016 FRB_Web LAFR (9/19)\n\n\x0cFEATURE CATEGORIES. Your Account has Feature Categories which may include Safety Line Line of Credit, Classic VISA, Secured Classic VISA, Platinum VISA, Secured\nPlatinum VISA, CPF VISA, Secured CPF VISA, PFFAZ VISA, Secured PFFAZ VISA, WSCFF VISA, and Secured WSCFF VISA.\n\nMonthly\nPeriodic Rate\nfor Purchases\n\nAnnual\nPercentage Rate\n\n_________________________\n\n__________%\n\n__________%\n\nFeature Category\n\nMonthly\nPeriodic Rate\nfor Balance Transfers\n\nAnnual\nPercentage Rate\nfor Balance Transfers\n\n__________%\n\n__________%\n\nMonthly\nPeriodic Rate\nfor Cash Advances\n\nAnnual\nPercentage Rate\nfor Cash Advances\n\n__________%\n\n__________%\n\nFeature Category\n\n_________________________\n\nFeature Category\n\nVariable Rate\nIndex\n\nMargin\n\nDaily\nPeriodic Rate\nfor Cash Advances\n\n_________________________\nSafety Line Line of Credit\n\n________\n\n________\n\n__________%\n\nADVANCES. Whenever You request a transaction, We may require You to prove Your\nidentity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit Union\naccount or by other such means) and You authorize Us to do this, or We may draw a\ndraft or check made payable to You and mail it to You. When the amount advanced\nappears on a subsequent statement, that will be conclusive evidence of Your advance\nrequest unless You notify Us that You disagree with any such item appearing on Your\nperiodic statement according to the provision of this Agreement titled "Your Billing\nRights: Keep this Document for Future Use." You understand that whether or not any\nspecific secured advance request is approved may be determined by how much equity\nYou have or will have in the shares, certificates and/or Collateral offered as security.\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We\nmay set-off any mutual indebtedness.\nYou acknowledge that You own any certificates, shares and/or Collateral pledged as\nsecurity and that there are no other liens against them other than Ours. You agree to\nperform all acts which are necessary to make Our security interest in the certificates,\nshares and/or Collateral being pledged enforceable.\nFor advances under any Feature Category secured by certificates, You agree that all\ncertificates which are pledged as Collateral must be renewed until Your outstanding\nbalance is paid in full and such Feature Category is closed. Failure to renew any\ncertificates securing any advance will cause Your entire outstanding Account balance\nto become immediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under this Agreement or for any other loan You may have with Us will secure all\namounts You owe Us now and in the future if that status is reflected in the "Truth-inLending Disclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card, ATM\ncard or debit card, You grant and consent to a lien on Your shares with Us\n(except for IRA and Keogh accounts) and any dividends due or to become\ndue to You from Us to the extent You owe on any unpaid Credit Card balance,\nand/or Safety Line Line of Credit balance created through the use of Your\nATM card or debit card.\n\n__________%\n\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any such\nAccount access device(s) will be mailed only to the primary Borrower at the address\nthat We have on file for You. We may refuse to follow any instructions which run\ncounter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only\npay the Minimum Monthly Payments, You understand that You have the right to repay\nat any time without penalty. You also understand that You will only be charged periodic\nFinance Charges to the date You repay Your entire balance. You may make larger\npayments without penalty. Any partial payment or prepayment will not delay Your next\nscheduled payment. All payments to Us must be in lawful money of the United States.\nWe may apply each payment to whichever Feature Category We wish. For all Feature\nCategories (except VISA), payments will be applied first to any Late Charges owing,\nthen to the Finance Charge due, then to the outstanding principal balance. As\npermitted by law, We may apply VISA payments at Our discretion.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your periodic\nFinance Charges.\nSafety Line Line of Credit Minimum Monthly Payments will be established at the close\nof each billing cycle in an amount equal to the lesser of Your balance or that Minimum\nPayment amount described in the following table that corresponds to Your unpaid balance,\nplus any portion of the Minimum Payments shown on prior statement(s) which remains\nunpaid, plus any amount that exceeds Your approved Credit Limit:\n\nACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Classic VISA,\nSecured Platinum VISA, Secured CPF VISA, Secured PFFAZ VISA, or Secured WSCFF\nVISA Feature Category, You agree to give Us a specific pledge of shares which will equal\nYour Credit Limit. In the event that You default on such Feature Category, We may apply\nthese shares toward the repayment of any amount owed on that Feature Category. You\nmay cancel Your Secured Classic VISA, Secured Platinum VISA, Secured CPF VISA,\nSecured PFFAZ VISA, or Secured WSCFF VISA Feature Category at any time by paying\nany amounts owed on that Feature Category. To be certain that Your entire balance and\nall advances are paid, any shares pledged may not be available to You for 30 days after\nYou have cancelled and any outstanding balance is paid in full.\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nfor Purchases\n\nPage 2 of 4\n\nUnpaid Balance\n$0.01 - $1,000.00\n$1,000.01 - $2,000.00\n$2,000.01 - $3,000.00\n$3,000.01 - $5,000.00\n$5,000.01 - $6,000.00\n$6,000.01 - $7,500.00\n$7,500.01 - $9,000.00\n$9,000.01 - $10,000.00\n$10,000.01 - $12,000.00\n$12,000.01 - $14,000.00\n$14,000.01 - $16,000.00\n$16,000.01 - $18,000.00\n$18,000.01 - $20,000.00\n$20,000.01 - $22,000.00\n\nMinimum Payment\n$25.00\n$50.00\n$75.00\n$125.00\n$150.00\n$188.00\n$225.00\n$250.00\n$300.00\n$350.00\n$400.00\n$450.00\n$500.00\n$550.00\nOTBS 016 FRB_Web LAFR (9/19)\n\n\x0cUnpaid Balance\n$22,000.01 - $24,000.00\n$24,000.01 - $26,000.00\n$26,000.01 - $28,000.00\n$28,000.01 - $30,000.00\n$30,000.01 - $32,000.00\n$32,000.01 - $34,000.00\n$34,000.01 - $36,000.00\n$36,000.01 - $38,000.00\n$38,000.01 - $40,000.00\n$40,000.01 - $42,000.00\n$42,000.01 - $44,000.00\n$44,000.01 - $46,000.00\n$46,000.01 - $48,000.00\n$48,000.01 - $50,000.00\n$50,000.01 & Greater\n\nMinimum Payment\n$600.00\n$650.00\n$700.00\n$750.00\n$800.00\n$850.00\n$900.00\n$950.00\n$1,000.00\n$1,050.00\n$1,100.00\n$1,150.00\n$1,200.00\n$1,250.00\n2.50% of the\nunpaid balance\n\nOVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in\nsuch increments as We may from time to time determine) to Your share draft account by\nan advance on Your Safety Line Line of Credit, Classic VISA, Secured Classic VISA,\nPlatinum VISA, Secured Platinum VISA, CPF VISA, Secured CPF VISA, PFFAZ VISA,\nSecured PFFAZ VISA, WSCFF VISA, or Secured WSCFF VISA Feature Category, subject\nto this provision, to clear any overdraft on Your share draft account. Whether or not such\ntransfers occur will be controlled by this Agreement. In any event, You hold Us harmless\nfor any and all liability which might otherwise arise if the transfer does not occur.\nOverdraft protection automatically ceases if this Agreement is ever cancelled or\nterminated or Your Account is in default.\n\nVISA Minimum Payments will be an amount equal to 2.50% of Your new unpaid VISA\nbalance at the end of each billing cycle, subject to the lesser of $25.00 or Your\nbalance, plus any portion of the Minimum Payments shown on prior statement(s)\nwhich remains unpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE (EXCEPT VISA). If Your payment is 15 or more days late, You will\nbe charged $15.00.\nRETURNED PAYMENT FEE (EXCEPT VISA). You will be charged $22.00 for the\nreturned payment for any check (or other negotiable instrument used for payment)\nwhich is returned unpaid.\nFINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any\nunpaid principal balance for each Feature Category of Your Account for the period\nsuch balance is outstanding. Balances change each time advances are made,\npayments are made or credits given under any Feature Category. The Finance\nCharge begins to accrue on the date of each advance and there is no grace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). The Finance\nCharge is determined by multiplying Your unpaid balance at the close of each day in\nthe billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid\nbalance is the balance each day after payments, credits, and unpaid Finance Charges\nto that balance have been subtracted and any new advances, insurance premiums or\nother charges have been added to Your unpaid balance. These daily Finance Charges\nare then added together and the sum is the amount of the Finance Charge owed for\nthe Feature Category being accounted for. The total Finance Charge You owe on\nYour Account for each billing cycle is the sum of all the Finance Charges due for all\napplicable Feature Categories.\nVISA FINANCE CHARGES. The balances subject to the periodic Finance Charge\nare the average daily transactions balances outstanding during the month\n(including new transactions). To get the average daily balance, We take the\nbeginning balance of Your Account each day, add any new purchases, balance\ntransfers, cash advances, debit adjustments or other charges and subtract any\npayments, credits and unpaid Finance Charges. This gives Us the daily balance.\nThen, We add up all the daily balances for the billing cycle and divide them by the\nnumber of days in the billing cycle. The Finance Charge for a billing cycle is\ncomputed by multiplying the average daily balance subject to a Finance Charge by\nthe Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are\nposted to Your Account, will be subject to a Finance Charge. Balance transfers and\ncash advances are always subject to a Finance Charge from the later of the date they\nare posted to Your Account or from the first day of the billing cycle in which the\ntransaction is posted to Your Account.\n\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no\nobligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,\nYou would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been\nreported lost or stolen; (3) Your Account has been cancelled or has expired. If a\npostdated Convenience Check is paid and, as a result, any other Convenience Check is\nreturned unpaid, We are not responsible for any resulting loss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us; or\n(b) You should die, become involved in any insolvency, receivership or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You owe\nmoney on Your Account; or (d) A judgment or tax lien should be filed against You or any\nattachment or garnishment should be issued against any of Your property or rights,\nspecifically including anyone starting an action or proceeding to seize any of Your funds\non deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your\nindebtedness hereunder is or soon will be impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel Your\nrights under this Agreement, require the return of all access devices and declare the\nentire balance of every Feature Category of Your Account immediately due and\npayable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection and\nreasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed\nunder this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if We\ndelay enforcing them. We can accept late payments, partial payments or any other\npayments, even if they are marked "paid in full" without losing any of Our rights under\nthis Agreement. If any provision of this or any related agreement is determined to be\nunenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or\notherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal Truth-InLending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure\n- Federal Truth-In-Lending Act," which is delivered together with this Agreement or at a later\ndate becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device; or\nby authorizing another to use Your Account, You agree to and accept its terms.\n\nIf You are charged interest, the charged will be no less than $1.00.\nVARIABLE RATE (EXCEPT VISA). All advances are subject to a Variable Rate\nwhich is based on the highest Prime Rate as published in the Money Rates section\nof The Wall Street Journal in effect on the last day of each calendar month ("Index")\nplus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in\nthe Index will cause changes in the Interest Rate on the 1st day of the billing cycle\nin the month that immediately follows a change in the Index. Increases or decreases\nin the Interest Rate will cause like increases or decreases in the Finance Charge\nand will affect the number of Your regularly scheduled payments. Your Interest Rate\nwill never be greater than 18.00% nor less than 8.49% and will apply to Your\nremaining principal balance.\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all\ntransactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will mail You a statement each month in which there is a debit or credit\nbalance or when a Finance Charge is imposed. We need not send You a statement if\nWe feel Your Account is uncollectible or if We have started collection proceedings\nagainst You because You defaulted. EACH STATEMENT IS DEEMED TO BE A\nCORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING\nERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\n\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other financial\ninformation related to You, at Our request. You also agree that We may, from time to\ntime, as We deem necessary, make inquiries pertaining to Your employment, credit\nstanding and financial responsibility in accordance with applicable laws and\nregulations. You further agree that We may give information about the status and\npayment history of Your Account to consumer credit reporting agencies, a prospective\nemployer or insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\n\nPage 3 of 4\n\nOTBS 016 FRB_Web LAFR (9/19)\n\n\x0cTERMINATION. Either You or We may cancel Your Account or any particular Feature\nCategory of Your Account, at any time, whether or not You are in default. You will, in any\ncase, remain liable to pay any unpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of California, except to the extent that such laws are inconsistent with controlling\nfederal law.\nSPECIFIC TERMS APPLICABLE TO YOUR CLASSIC VISA,\nSECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA,\nCPF VISA, SECURED CPF VISA, PFFAZ VISA, SECURED PFFAZ,\nWSCFF VISA, SECURED WSCFF VISA CREDIT CARDS\n\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 P.O. Box 60890, Los\nAngeles, CA 90060. In Your letter, give us the following information:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial institutions.\nYou agree not to use Your Card for illegal transactions including, but not limited to,\nadvances made for the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\n\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\n\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your\nrequest, a Personal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced will\nbe added to Your Account balance. In the event a use of Your PIN constitutes an\nElectronic Funds Transfer, the terms and conditions of Your Electronic Fund Transfer\nAgreement may also affect Your rights.\n\n1)\n2)\n\nWhile We investigate whether or not there has been an error:\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement is\nthe contract which solely applies to all transactions involving the Card.\n\n\xef\x82\xb7\n\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (800) 231-1626 or by writing\nto Us at P.O. Box 60890, Los Angeles, CA 90060. In any case, Your liability will not\nexceed $50.00.\n\n\xef\x82\xb7\n\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for\nthe refusal or inability of merchants, financial institutions and others to accept the Cards\nor Convenience Checks, or electronic terminals to honor the Cards or complete a Card\nwithdrawal, or for their retention of the Cards or Convenience Checks.\n\n\xef\x82\xb7\n\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the billing\ncurrency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates\navailable in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate VISA itself receives; or (b) the government\nmandated rate in effect for the applicable central processing date.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic\nterminal or financial institution at which transactions were made, but sales, cash\nadvance, credit or other slips cannot be returned with the statement.\n\nWithin 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.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\n\xef\x82\xb7\n\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, 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 then\nreport You as delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom we reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou question even if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nLATE CHARGE. If Your payment is 15 or more days late, You will be charged the\nlesser of: (a) $15.00; or (b) the amount of the required minimum payment.\nRETURNED PAYMENT FEE. You will be charged the lesser of $22.00 or the required\nminimum payment amount for the returned payment for any check (or other negotiable\ninstrument used for payment) which is returned unpaid.\n\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1)\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards\nor Convenience Checks, You will immediately call Us at (800) 231-1626 or write to Us\nat P.O. Box 60890, Los Angeles, CA 90060.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your Share\nAccount after six months.\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (Note: Neither of these are 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.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at P.O. Box 60890, Los Angeles, CA 90060.\n\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.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed above.\nAfter We finish Our investigation, We will tell You Our decision. At that point, if We think\nYou owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016 FRB_Web LAFR (9/19)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT LINE ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n815 Colorado Boulevard\nLos Angeles, CA 90041\n(323) 254-1700\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA,\nCALIFORNIA PROFESSIONAL FIREFIGHTERS ("CPF") VISA, SECURED CALIFORNIA PROFESSIONAL FIREFIGHTERS ("SECURED CPF") VISA, PROFESSIONAL\nFIREFIGHTERS OF ARIZONA ("PFFAZ") VISA, SECURED PROFESSIONAL FIREFIGHTERS OF ARIZONA ("SECURED PFFAZ") VISA, WA STATE COUNCIL OF FIREFIGHTERS\n("WSCFF") VISA, AND SECURED WA STATE COUNCIL OF FIREFIGHTERS ("SECURED WSCFF") VISA CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE BE SURE\nTO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nClassic VISA: 11.99%\nSecured Classic VISA: 11.99%\nPlatinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nSecured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nCalifornia Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99%\nbased on Your creditworthiness.\nProfessional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99%\nbased on Your creditworthiness.\nWA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured WA State Council of Firefighters ("Secured WSCFF") VISA: 8.99% -\n\n16.99% based on Your creditworthiness.\nAPR For Balance Transfers\n\nClassic VISA: 11.99%\nSecured Classic VISA: 11.99%\nPlatinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nSecured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nCalifornia Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99% based\non Your creditworthiness.\nProfessional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\n\nPlease refer to TOP OF PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 1 of 3\n\nOTBS 016A FRB_Web LAFR (9/19)\n\n\x0cInterest Rate and Interest Charges (continued)\nAPR For Balance Transfers\n(continued)\n\nSecured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99% based\non Your creditworthiness.\nWA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured WA State Council of Firefighters ("Secured WSCFF") VISA: 8.99% - 16.99% based\non Your creditworthiness.\n\nAPR For Cash Advances\n\nClassic VISA: 11.99%\nSecured Classic VISA: 11.99%\nPlatinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nSecured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness.\nCalifornia Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99% based\non Your creditworthiness.\nProfessional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99% based\non Your creditworthiness.\nWA State Council of Firefighters ("WSCFF") VISA: 8.99% - 16.99% based on Your\ncreditworthiness.\nSecured WA State Council of Firefighters ("Secured WSCFF") VISA: 8.99% - 16.99% based\non Your creditworthiness.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each month\nwithin 25 days of Your statement closing date. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nFor VISA, if You are charged interest, the charge will be no less than $1.00.\n\nFees\nPenalty Fees\n\xef\x82\xb7 Returned Payment\n\xef\x82\xb7 Late Payment\n\nUp to $22.00\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d\nPlease refer to PAGE 1 for more important information about Your Account\n\nThe balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average\ndaily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and\nsubtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by\nthe number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly\nPeriodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the\nnew balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances\nare always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to\nYour Account.\nIf You are charged interest, the charged will be no less than $1.00.\nYour Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%).\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 2 of 3\n\nOTBS 016A FRB_Web LAFR (9/19)\n\n\x0cYour Secured Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%).\nYour Platinum VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your\ncreditworthiness.\nYour Secured Platinum VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on\nYour creditworthiness.\nYour CPF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your\ncreditworthiness.\nYour Secured CPF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on\nYour creditworthiness.\nYour PFFAZ VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your\ncreditworthiness.\nYour Secured PFFAZ VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on\nYour creditworthiness.\nYour WSCFF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your\ncreditworthiness.\nYour Secured WSCFF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on\nYour creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 3 of 3\n\nOTBS 016A FRB_Web LAFR (9/19)\n\n\x0c'


b'Divulgaci\xc3\xb3n de Apertura de Cuenta de Tarjeta de Cr\xc3\xa9dito de Popular Bank Platinum Emitida por Banco Popular de Puerto Rico\n\nTasas de Inter\xc3\xa9s y Cargos por Intereses\n\nTasa de Porcentaje Anual\n(APR) para Compras\n\nAPR para Transferencias de\nBalance\n\n0% APR introductorio por los primeros 12 meses.\nLuego de esto, su APR ser\xc3\xa1 desde 13.24% hasta 26.24%, basado en su\nhistorial de cr\xc3\xa9dito.\nEste APR puede variar de acuerdo al mercado basado en la Tasa Preferencial\nde los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d).1\n0% APR introductorio y 0 pagos por los primeros 12 meses. Aplica a\ntransferencias realizadas dentro de los primeros 90 d\xc3\xadas de la apertura de la\ncuenta.\n\nLuego de esto, su APR ser\xc3\xa1 desde 13.24% hasta 26.24%, basado en su\nhistorial de cr\xc3\xa9dito. Este APR puede variar de acuerdo al mercado basado en\nel \xe2\x80\x9cPrime Rate\xe2\x80\x9d.1\nAPR para Adelantos en\n24.24% hasta 28.24%, basado en su historial de cr\xc3\xa9dito\nEfectivo\nEste APR puede variar de acuerdo al mercado basado en el \xe2\x80\x9cPrime Rate\xe2\x80\x9d.1\nAPR de Penalidad y Cu\xc3\xa1ndo\n29.99%\nAplica\nEste APR podr\xc3\xa1 aplicar a su cuenta si no recibimos el pago m\xc3\xadnimo requerido\ndurante un periodo de sesenta (60) d\xc3\xadas consecutivos desde su vencimiento.\n\xc2\xbfPor cu\xc3\xa1nto tiempo aplica la Tasa por Penalidad? Si su APR aumenta por\nesta raz\xc3\xb3n, la Tasa de Penalidad permanecer\xc3\xa1 en efecto hasta que la cuenta\nse ponga al d\xc3\xada y se hayan realizado seis (6) pagos m\xc3\xadnimos consecutivos en\no antes de su fecha de vencimiento.\nSu fecha de pago ser\xc3\xa1 por lo menos 25 d\xc3\xadas luego del cierre de cada ciclo\nPago de Intereses\nde facturaci\xc3\xb3n. No cobraremos intereses desde la fecha que compre bienes\no servicios, si usted paga el balance total adeudado de su cuenta en o antes\nde la Fecha de Vencimiento. Si no paga el balance total adeudado, pero se\nencuentra en periodo de gracia, no pagar\xc3\xa1 intereses sobre el monto pagado\nen ese ciclo de facturaci\xc3\xb3n. En los ciclos posteriores usted no tendr\xc3\xa1 periodo\nde gracia hasta que pague el balance total adeudado en su cuenta durante\ndos ciclos de facturaci\xc3\xb3n consecutivos. Los balances relacionados a ciertas\nofertas no se toman en cuenta para determinar si califica para el periodo de\ngracia, para las cuales debe referirse a los t\xc3\xa9rminos y condiciones de la\noferta. Los intereses respecto a adelantos en efectivo, transferencias de\nbalance de otras instituciones y cheques de conveniencia se impondr\xc3\xa1n\ndesde la fecha en que se realice la transacci\xc3\xb3n.\nPara Consejos del \xe2\x80\x9cConsumer Para conocer m\xc3\xa1s sobre factores a considerar cuando solicita o utiliza una\nFinancial Protection Bureau\xe2\x80\x9d tarjeta de cr\xc3\xa9dito, visite la p\xc3\xa1gina de Internet del \xe2\x80\x9cConsumer Financial\nsobre Tarjetas de Cr\xc3\xa9dito\nProtection Bureau\xe2\x80\x9d en http://www.consumerfinance.gov/learnmore\nCargos\nCuota Anual\nCargos por Transacciones\n\xe2\x80\xa2 Adelantos en Efectivo y\nCheques de Conveniencia\n\xe2\x80\xa2 Transferencias de\nBalance\n\xe2\x80\xa2 Conversi\xc3\xb3n de Moneda\nCargos por Penalidad\n\xe2\x80\xa2 Cheque Devuelto\n\xe2\x80\xa2 Pago Tard\xc3\xado\n\n$0 Cuota Anual\n$0 Cargo por Tarjeta Adicional (si aplica)\n2% de la cantidad de cada transacci\xc3\xb3n (m\xc3\xadnimo $2; m\xc3\xa1ximo $10)\n2% de la cantidad de cada transferencia (m\xc3\xadnimo $2; m\xc3\xa1ximo $10)\n1.4% de cada transacci\xc3\xb3n en d\xc3\xb3lares para Mastercard\n\nHasta $10\nHasta $38\n\nC\xc3\xb3mo calculamos su balance: Utilizamos el m\xc3\xa9todo llamado \xe2\x80\x9cbalance promedio diario\xe2\x80\x9d (incluyendo transacciones nuevas).\nP\xc3\xa9rdida de APR Introductorio: Podemos terminar su APR de introducci\xc3\xb3n y aplicar el APR correspondiente si cierra su\ncuenta o hace un pago tard\xc3\xado.\nDerechos de Facturaci\xc3\xb3n: Informaci\xc3\xb3n sobre c\xc3\xb3mo ejercer su derecho a disputar transacciones se incluye en el Contrato\nde Tarjetas de Cr\xc3\xa9dito.\n\n\x0cLa informaci\xc3\xb3n sobre los costos de las tarjetas descritas es correcta al 29 de febrero de 2020. Esta informaci\xc3\xb3n puede\nhaber variado despu\xc3\xa9s de esta fecha. Para verificar lo que puede haber variado en dicha informaci\xc3\xb3n puedes llamar al\n1-888-333-8930 o escribir a la siguiente direcci\xc3\xb3n:\nPopular Credit Services\nPO BOX 363228\nSan Juan, PR 00936-3228\n\nAVISO IMPORTANTE USA PATRIOT ACT\nEl 1 de octubre de 2003 entr\xc3\xb3 en vigor la Secci\xc3\xb3n 326 de la ley USA PATRIOT. Esta ley requiere que las\ninstituciones financieras obtengan, verifiquen y registren la informaci\xc3\xb3n que identifica a las personas que abren\ncuentas. El gobierno de Estados Unidos cre\xc3\xb3 esta ley como una medida contra el terrorismo y el lavado de\ndinero.\nCuando solicite una cuenta:\n\xe2\x80\xa2 Se le preguntar\xc3\xa1 su nombre, direcci\xc3\xb3n residencial o f\xc3\xadsica, fecha de nacimiento, n\xc3\xbamero de seguro social y\ncualquier otra informaci\xc3\xb3n que permita identificarle con certeza.\n\xe2\x80\xa2 Se le requerir\xc3\xa1 que muestre su licencia de conducir u otra identificaci\xc3\xb3n con foto, vigente y emitida por el\ngobierno.\nGracias por permitirnos servirle. La informaci\xc3\xb3n recopilada por Popular Inc. ser\xc3\xa1 mantenida confidencialmente\nseg\xc3\xban lo requiere la Ley de Privacidad.\nPara cada periodo de facturaci\xc3\xb3n el Cargo por Intereses y el APR se determinan utilizando el "Prime Rate"\nvigente publicado en The Wall Street Journal, m\xc3\xa1s un margen. Las tasas variables indicadas est\xc3\xa1n basadas en\nla tasa preferencial de 3.25% vigente desde el 16 de marzo de 2020.\n1\n\nCONDICIONES\nLas palabras "usted" y "su" aplican a cada persona que presenta esta solicitud. Usted representa que Usted (1)\nha le\xc3\xaddo la solicitud adjunta, y certifica que todo lo que ha dicho es cierto y en su totalidad; (2) que es residente\npermanente de los Estados Unidos y que cumple con los requisitos estatales de edad m\xc3\xadnima para contratar.\nUsted entiende que usted no ser\xc3\xa1 capaz de hacer cualquier cambio a los t\xc3\xa9rminos de esta solicitud o al Acuerdo\nde Tarjeta de Cr\xc3\xa9dito.\nAl someter esta solicitud, usted autoriza a Banco Popular de Puerto Rico (en adelante "nosotros" o "nuestro") (1)\nobtener sus informes de cr\xc3\xa9dito, historial laboral y cualquier otra informaci\xc3\xb3n con el fin de aprobar o rechazar\nesta solicitud, darle servicio a su cuenta y manejar nuestra relaci\xc3\xb3n con usted; (2) compartir informaci\xc3\xb3n sobre\nusted y su cuenta con la organizaci\xc3\xb3n, si fuera el caso, para el manejo de este programa de tarjeta de cr\xc3\xa9dito;\n(3) compartir con los dem\xc3\xa1s, en la medida permitida por ley, dicha informaci\xc3\xb3n y nuestra experiencia de cr\xc3\xa9dito\ncon usted; (4) directamente o a trav\xc3\xa9s de cualquiera de nuestras afiliadas, o nuestros asociados de mercadeo,\nmonitorear y/o grabar sus conversaciones telef\xc3\xb3nicas con nosotros o con cualquiera de nuestros representantes\ny (5) comunicarse con usted en cualquier n\xc3\xbamero que usted nos haya proporcionado, del cual nos llame o que\nobtengamos y creamos que podamos contactarlo, llamando o enviando mensajes de texto incluyendo a trav\xc3\xa9s\nde un marcador autom\xc3\xa1tico o mensajes pre-grabados. Podemos llamarlo o enviarle un correo electr\xc3\xb3nico en un\ndispositivo m\xc3\xb3vil, inal\xc3\xa1mbrico o similar, a\xc3\xban cuando su proveedor le cobra por el mismo.\nSi nosotros aprobamos y utiliza su cuenta, usted est\xc3\xa1 de acuerdo a (1) estar sujeto a los t\xc3\xa9rminos de esta\nsolicitud, los "Detalles de la Tasa, Cargos y Otra Informaci\xc3\xb3n de Costos" y el Acuerdo de Tarjeta de Cr\xc3\xa9dito,\nseg\xc3\xban pueda ser modificada; (2) pagar y/o ser responsable conjuntamente y solidariamente a todos los cargos\nincurridos bajo tales t\xc3\xa9rminos.\nInformaci\xc3\xb3n adicional para residentes de los siguientes estados:\nResidentes de California: Como lo requiere la ley, de usted no cumplir con su obligaci\xc3\xb3n crediticia, pudi\xc3\xa9ramos\nreportar a las agencias de cr\xc3\xa9dito informaci\xc3\xb3n adversa que se reflejar\xc3\xa1 en su historial de cr\xc3\xa9dito.\nSolicitudes de cr\xc3\xa9dito para obtener dinero, objetos, labor o servicios deben especificar claramente que el solicitante, si\nest\xc3\xa1 casado, puede solicitar para una cuenta por separado.\nResidentes de Delaware: Cargos por servicios que no excedan lo permitido por ley ser\xc3\xa1n facturados en el balance\nadeudado mes a mes.\n\n\x0cResidentes de New York: Se pueden comunicar con el Departamento de Servicios Financieros del Estado de Nueva\nYork por tel\xc3\xa9fono (1-800-342-3736) o visite su sitio web (www.dfs.ny.gov) para obtener informaci\xc3\xb3n gratuita relacionado\na comparativas en tasas, cargos y per\xc3\xadodos de gracia parta tarjetas de cr\xc3\xa9dito.\nInformes de cr\xc3\xa9dito pudieran ser solicitados en respuesta con su solicitud y la cuenta que resulte de esta. Si dicho informe\nde cr\xc3\xa9dito fue solicitado, usted ser\xc3\xa1 informado del nombre y la direcci\xc3\xb3n de la agencia de informaci\xc3\xb3n de cr\xc3\xa9dito que\nproporcion\xc3\xb3 el informe.\n\nResidentes de Oreg\xc3\xb3n: El cargo por servicio ser\xc3\xa1 computado considerando el balance adeudado para cada mes (el\ncual pudiera no ser un mes calendario) u otro periodo regular acordado, el itinerario o tasa utilizada para calcular el\ncargo por servicio y que el cliente puede en cualquier momento pagar la totalidad del balance adeudado.\nResidentes de Ohio: Las leyes del estado de Ohio en contra de la discriminaci\xc3\xb3n, exigen que todos los acreedores\nofrezcan igualdad de disponibilidad de cr\xc3\xa9dito para todos los clientes con capacidad crediticia y que las agencias de\ncr\xc3\xa9dito mantengan separado el historial de cr\xc3\xa9dito de cada individuo, seg\xc3\xban se solicite. La Comisi\xc3\xb3n de Derechos Civiles\nde Ohio administra el cumplimiento de esta ley.\nResidentes de Rhode Island: Usted puede solicitar copia de su informe de cr\xc3\xa9dito relacionado a la tramitaci\xc3\xb3n de una\nsolicitud o posteriormente para fines de revisi\xc3\xb3n o cobro de la cuenta, aumento de la l\xc3\xadnea de cr\xc3\xa9dito de la cuenta, o\npara otros fines leg\xc3\xadtimos asociados con la cuenta.\nResidentes de Utah: Como es requerido por la ley de Utah, de usted no cumplir con su obligaci\xc3\xb3n crediticia,\npudi\xc3\xa9ramos reportar a las agencias de cr\xc3\xa9dito informaci\xc3\xb3n adversa que se reflejar\xc3\xa1 en su historial de cr\xc3\xa9dito.\nResidentes de Vermont: Pudi\xc3\xa9ramos obtener un reporte de cr\xc3\xa9dito adicional u otra informaci\xc3\xb3n sobre usted\nrelacionado a la misma transacci\xc3\xb3n o extensi\xc3\xb3n de cr\xc3\xa9dito con el prop\xc3\xb3sito de revisar su Cuenta, aumentar el L\xc3\xadmite de\nCr\xc3\xa9dito de su Cuenta, con el prop\xc3\xb3sito de realizar gestiones de cobro de su Cuenta, o cualquier otro prop\xc3\xb3sito leg\xc3\xadtimo\nasociado con su Cuenta.\nResidentes de Wisconsin: Ninguna disposici\xc3\xb3n de un contrato de bienes matrimoniales, declaraci\xc3\xb3n unilateral en virtud\nde la Secci\xc3\xb3n 766.59 de los Estatutos de Wisconsin, o decreto judicial en virtud de la Secci\xc3\xb3n 766.70 de los Estatutos de\nWisconsin, afectar\xc3\xa1 adversamente el inter\xc3\xa9s del acreedor, a menos que el acreedor, antes de conceder el cr\xc3\xa9dito, reciba\nuna copia del contrato, declaraci\xc3\xb3n o decreto o tenga conocimiento de la disposici\xc3\xb3n adversa cuando se incurre en la\nobligaci\xc3\xb3n al acreedor. Podr\xc3\xadamos notificar de la apertura de cualquier cuenta de cr\xc3\xa9dito a su c\xc3\xb3nyuge. Residentes\ncasados de Wisconsin deber\xc3\xa1n presentar el nombre y la direcci\xc3\xb3n de su c\xc3\xb3nyuge a: Popular Credit Services PO BOX\n363228, San Juan, PR 00936-3228. Si usted es un residente de Wisconsin casado, el cr\xc3\xa9dito extendido bajo esta cuenta\nse otorgar\xc3\xa1 tomando en consideraci\xc3\xb3n el mejor inter\xc3\xa9s de su matrimonio o familia.\n\n\x0c'


b'1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\n(https://www.popular.vi/)\n\nVisa Premia Rewards - Terms and Conditions\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPR for Balance Transfers\n\n1.99% introductory APR for the rst 6 months.\nAfter that, your APR will be from 13.24% up to 26.24% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate. 1\n0.00% introductory APR and 0 payments from the transfer date for 12 months\nand $0 balance transfer fee. Applies to transfers made within the rst 90 days\nfrom account opening.\nAfter that, your APR will be from 13.24% up to 26.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate. 1\n\nAPR for Cash Advances\n\n24.24% to 28.24% when you open your account, based on your\ncreditworthiness.\nThis APR will vary with the market based on the Prime Rate. 1\n\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n1/6\n\n\x0c1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\nInterest Rates and Interest Charges\nPenalty APR and When it\nApplies\n\n29.99% This APR may be applied to your account if you miss a required\nminimum payment for a period of sixty (60) consecutive days from its due date.\nHow Long Will the Penalty APR Apply? If your APRs are increased for this\nreason, the Penalty Rate will remain in e ect until the account becomes current\nand 6 consecutive required minimum payments are received on or before the\npayment due date.\n\nPaying Interest\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nYour due date is at least 25 days after the close of each billing cycle. You will not\nbe charged interest from the time you purchased goods or services, if you pay\nyour full account balance by the Payment Due Date. In the event you don\'t pay\nthe full account balance, while in the Grace Period, you will not pay interest on\nthe amount paid for that cycle. On subsequent cycles you will not have a Grace\nPeriod until you pay your full account balance on time for two cycles in a row.\nAmounts related to certain o ers will not be taken into consideration in\ndetermining the Grace Period. Please refer to the o er terms and conditions.\nThe No Grace Period Transactions begin to accrue interest on the date they are\nposted and remain subject to Interest Charges until paid in full.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau\n(http://www.consumer nance.gov/learnmore/).\n\nFees\nAnnual Fee\n\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n$0 Annual Fee\n$0 Additional Card Fee\n\n2/6\n\n\x0c1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Cash Advances and\nConvenience Checks\n\xe2\x80\xa2 Balance Transfers\n\n2% of the amount of each transaction (minimum $2; maximum $10)\n2% of the amount of each transfer (minimum $2; maximum $10)\n1% of each transaction in U.S. dollars for Visa International\n\n\xe2\x80\xa2 Foreign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Late Payment\n\nUp to $10\nUp to $38\n\nHow we will calculate your balance: We use a method called "average daily balance" (including new transactions).\nLoss of introductory APR: We may end your introductory APRs and apply the corresponding APRs if you close your\naccount or if you miss a payment.\nBilling Rights: Information on your right to dispute transactions and how to exercise this right is provided in your\nCredit card Agreement.\n\nI con rm I have reviewed the credit card Price and Terms and agree to submit my application.\nI authorize Popular to obtain my credit report, as speci ed here (/credit-report).\nI con rm I have reviewed Popular\xe2\x80\x99s Privacy Policy, as speci ed here (/privacy).\nI agree with the website\xe2\x80\x99s Terms of Use, as speci ed here (/terms).\nI agree with the Electronic Banking Services Agreement, as speci ed here\n(https://documents.popular.com/terms/mibanco/terms-conditions-en).\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n3/6\n\n\x0c1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\xee\x80\x93\n\nAgree\n\nContinue\n\nThe information on card costs described is correct as of December 31, 2020. This information may have varied after\nthis date. To verify what may have changed in this information call (787) 758-0505 or toll free 1-800-981-9505 or write\nto the following address:\nPopular de Puerto Rico\nCard Products Division (643)\nPO BOX 363228, San Juan, Puerto Rico 00936-3228\nIMPORTANT NOTICE USA PATRIOT ACT\nSection 326 of the USA PATRIOT Act was e ective on April 17, 2015. This law requires nancial institutions to obtain,\nverify, and record the information that identi es persons opening accounts. The USA government created this law as a\nmeasure to ght terrorism and money laundering.\nWhen you open an account:\nWe will ask your name, home or street address, date of birth, social security number, and any other information\ndeemed necessary to allow us to positively identify you.\nWe will ask to see your valid driver\'s license or other valid identi cation with photo issued by the government.\nThanks for allowing us to serve you. Con dentiality of the information gathered by Popular, Inc. will be maintained as\nrequired under the Privacy Act.\n1\n\nFor each billing period, the Interest Charge and APR will be determined by adding the Prime Rate, as published by\nthe Wall Street Journal, to a margin. The variable rates illustrated are based on a Prime Rate of 3.25% in e ect March\n16, 2020.\n\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n4/6\n\n\x0c1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\nBack to top\n\n(https://www.facebook.com/PopularVI)\n\nContact us (contact-us/)\nEspa\xc3\xb1ol (https://www.popular.vi/es/tarjetas-credito/premia-rewards/terminos/usvi/)\n\nOnline Security (https://www.popular.com/en/security/)\nFDIC Insurance Notice (fdic/)\nPrivacy Policy (https://www.popular.com/en/privacy/)\nTerms and Conditions of Use (terms/)\nDiversity and Inclusion Policy (https://www.popular.com/en/diversity-policy/)\nAccessibility (accessibility/)\nWeblinking Practices (weblinking-practices/)\nZAPortal for Employees (https://zap.popularinc.com)\nZAPortal Popular Retirees (https://zap.popularinc.com/zaplogon/rsa_step1.jsp)\nFind a Branch or ATM (https://locator.popular.com/?lang=en&region=vi)\n\nBank Routing Number\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n5/6\n\n\x0c1/22/2021\n\nCredit Cards - Visa Premia Rewards\n\n021502011\n\nTeleBanco Popular\xc2\xae\n1.888.724.3659\n\nHearing impaired (TDD)\n1.800.981.9666\n\nContact us\nRte 308, Charlotte Amalie West, St Thomas 00802, USVI\n\n\xc2\xa9 2021 Popular. Member FDIC, except BVI.\n\nhttps://www.popular.vi/cards/credit-cards/premia-rewards/terms/usvi/\n\n6/6\n\n\x0c'