b'Contrato de Plan de Cuentas Rotativas\n-----------------------------------------------MasterCard\xc2\xae, VISA\xc2\xae y American Express\xc2\xae\nEste documento y los t\xc3\xa9rminos y condiciones de su tarjeta de cr\xc3\xa9dito, que se divulguen en oferta mediante carta de\noferta, tel\xc3\xa9fono, internet o cualquier otro medio constituyen su Contrato de Plan de Cuentas Rotativas con Banco\nSantander Puerto Rico (en adelante el \xe2\x80\x9cContrato\xe2\x80\x9d). El uso de la Tarjeta de Cr\xc3\xa9dito (en adelante la \xe2\x80\x9cTarjeta\xe2\x80\x9d) que emite el\nBanco Santander Puerto Rico (en adelante el \xe2\x80\x9cBanco\xe2\x80\x9d) a solicitud de la persona a nombre de quien se emite la Tarjeta\n(en adelante el \xe2\x80\x9cTenedor\xe2\x80\x9d) se regir\xc3\xa1 por los siguientes t\xc3\xa9rminos, cl\xc3\xa1usulas y condiciones:\nUSO DE LA TARJETA: El Tenedor podr\xc3\xa1 usar la Tarjeta para comprar y/o arrendar mercanc\xc3\xadas y servicios en aquellos\nestablecimientos donde se acepte la Tarjeta y para obtener adelantos en efectivo del Banco o de cualquier otro banco\nque acepte la Tarjeta, sujeto a aquellos l\xc3\xadmites que de tiempo en tiempo fije el Banco o el banco asociado al cual se\npresente la Tarjeta. De igual forma el tenedor podr\xc3\xa1 realizar transferencias de balances sujetas a la disponibilidad de su\nl\xc3\xadnea de cr\xc3\xa9dito. Como una medida de prevenci\xc3\xb3n de fraude su tarjeta ser\xc3\xa1 bloqueada para uso fuera de Puerto Rico y\nEstados Unidos. El cliente ser\xc3\xa1 responsable de notificar previamente al Banco llamando a Banco en Casa al 787-2812000 o 1-800-726-8263 cuando salga de viaje fuera de Puerto Rico. Esto proveer\xc3\xa1 mayor seguridad en sus\ntransacciones y le permitir\xc3\xa1 el uso de su tarjeta en el exterior, evitando que su Tarjeta sea bloqueada de forma\npreventiva. El Tenedor adeudar\xc3\xa1 al Banco la suma cargada a su cuenta por el uso de la Tarjeta, m\xc3\xa1s cualquier Cargo\npor Intereses que se determine, la cual ser\xc3\xa1 pagadera en moneda del Curso legal de los Estados Unidos de Am\xc3\xa9rica, en\nsu totalidad o en plazos mensuales, en conformidad con las disposiciones expuestas en este Contrato.\nLIMITE DE CREDITO: El l\xc3\xadmite de cr\xc3\xa9dito inicial concedido por el Banco para la cuenta del Tenedor se le informar\xc3\xa1 al\nrecibir la Tarjeta. Tambi\xc3\xa9n en cada estado mensual de cuenta aparecer\xc3\xa1 el l\xc3\xadmite de cr\xc3\xa9dito vigente a la fecha del estado.\nEl Tenedor acuerda que el Banco podr\xc3\xa1 cambiar su l\xc3\xadmite de cr\xc3\xa9dito de tiempo en tiempo a base de la evaluaci\xc3\xb3n de su\ncr\xc3\xa9dito. El Tenedor no podr\xc3\xa1 excederse del l\xc3\xadmite de cr\xc3\xa9dito aprobado por el Banco y de as\xc3\xad hacerlo el Banco tendr\xc3\xa1 el\nderecho a cancelar la Tarjeta, requerir su devoluci\xc3\xb3n o incautarse de la misma, y cerrar la cuenta. Cualquier cantidad en\nexceso del l\xc3\xadmite aprobado por el Banco ser\xc3\xa1 pagada por el Tenedor a la presentaci\xc3\xb3n.\nCARGOS POR INTERESES: Los Cargos por Intereses se computan \xc3\xbanicamente sobre el balance del principal. El\nTenedor pagar\xc3\xa1 un Cargo por Intereses mensual sobre el balance de su cuenta durante el per\xc3\xadodo de facturaci\xc3\xb3n, como\nse describe a continuaci\xc3\xb3n, que nunca ser\xc3\xa1 m\xc3\xa1s alto que el tipo establecido por la Ley y los reglamentos\ncorrespondientes. El Cargo por Intereses de las tarjetas para mercanc\xc3\xadas y servicios, adelantos de efectivo y\ntransferencias de balances var\xc3\xada conforme a la puntuaci\xc3\xb3n de cr\xc3\xa9dito del solicitante al momento de la evaluaci\xc3\xb3n de\ncr\xc3\xa9dito, la cual puede fluctuar desde 0.8291% hasta 2.1625% mensual (Tasa Peri\xc3\xb3dica), equivalente a una Tasa de\nPorcentaje Anual (APR) que va desde 9.95% hasta 25.95%. Si la tasa divulgada en la oferta que le hiciera el Banco\nSantander Puerto Rico mediante carta de oferta, tel\xc3\xa9fono, internet o cualquier otro medio es distinta a \xc3\xa9sta, la Tasa\nPeri\xc3\xb3dica se computa dividiendo la Tasa de Porcentaje Anual aplicable a su cuenta entre doce (12). Se impondr\xc3\xa1 un\nCargo por Intereses sobre las compras cargadas a esta cuenta aplicando la Tasa Peri\xc3\xb3dica Mensual indicada al\nBalance Diario Promedio. Obtenemos este balance tomando el balance inicial de cada d\xc3\xada del per\xc3\xadodo de facturaci\xc3\xb3n,\nrest\xc3\xa1ndole los pagos y cr\xc3\xa9ditos y sum\xc3\xa1ndole las compras, excepto compras hechas en per\xc3\xadodos de facturaci\xc3\xb3n en que el\nbalance inicial del per\xc3\xadodo sea $0 \xc3\xb3 ese balance inicial sea pagado por completo dentro del per\xc3\xadodo. Entonces sumamos\ntodos los balances diarios dentro del per\xc3\xadodo de facturaci\xc3\xb3n y dividimos este total entre el n\xc3\xbamero de d\xc3\xadas comprendidos\ndentro del per\xc3\xadodo. El resultado es el Balance Diario Promedio. No se impondr\xc3\xa1 Cargo por Intereses para per\xc3\xadodos de\nfacturaci\xc3\xb3n en que no exista un balance previo o durante el cual los pagos y cr\xc3\xa9ditos igualen o excedan el balance\nanterior. Los Cargos por Intereses respecto a adelantos de efectivo se impondr\xc3\xa1n aplicando la Tasa Peri\xc3\xb3dica Mensual\nindicada al Balance Diario Promedio desde la fecha en que el Tenedor y/o las personas autorizadas por el Tenedor,\nreciban dichos adelantos hasta su total pago.\nTASA DE INCUMPLIMIENTO O PENALIDAD: La Tasa de Porcentaje Anual (APR) (incluyendo tasas promocionales)\nque aplica a los balances existentes as\xc3\xad como a nuevas compras de mercanc\xc3\xada y servicios, adelantos de efectivo y\nbalances transferidos a su cuenta puede aumentar a 29.99% APR si ocurre la siguiente condici\xc3\xb3n:\n\xc2\xb7 El pago m\xc3\xadnimo de su cuenta no se recibe durante dos (2) per\xc3\xadodos de facturaci\xc3\xb3n consecutivos.\nSu cuenta ser\xc3\xa1 elegible para volver a la Tasa de Porcentaje Anual (APR) regular de su cuenta luego de que la cuenta se\nponga al d\xc3\xada y se hayan realizado seis (6) pagos m\xc3\xadnimos consecutivos en o antes de las fechas de vencimiento\ncorrespondientes. El Banco notificar\xc3\xa1 el aumento en tasa por incumplimiento con no menos de cuarenta y cinco (45) d\xc3\xadas\nde antelaci\xc3\xb3n a la fecha de efectividad del aumento.\nTASAS PROMOCIONALES: Si el Tenedor se acoge a una tasa promocional (Tasa de Porcentaje Anual APR, aplicable a\nlos balances existentes, a nuevas compras de mercanc\xc3\xadas y servicios, transferencias de balance y adelantos de efectivo\ncargados a su cuenta) la misma estar\xc3\xa1 vigente durante el t\xc3\xa9rmino especificado en la oferta realizada por el Banco. No\nobstante, si el Tenedor decide cancelar su cuenta antes que termine el per\xc3\xadodo de la tasa promocional este \xc3\xbaltimo\nperder\xc3\xa1 los beneficios de la tasa promocional y se le aplicar\xc3\xa1 la tasa regular correspondiente a su cuenta, al balance\nexistente a partir de la fecha de cancelaci\xc3\xb3n de su Tarjeta.\nCUOTA ANUAL: Como usuario de la Tarjeta el Tenedor se compromete a pagar al Banco una Cuota Anual no\nreembolsable de $24 por la Visa Cl\xc3\xa1sica, $35 por la tarjeta American Express Standard, $16 por la Visa UCard, $45 por\nla MasterCard Oro, $55 por la tarjeta American Express Premium y $50 por la Santander MileagePlus. No conllevar\xc3\xa1\ncargo de Cuota Anual la tarjeta, Santander RedCard y tarjetas que el Banco tenga en promoci\xc3\xb3n de tiempo en tiempo.\nLas cuotas anuales ser\xc3\xa1n cargadas en su primer estado de cuenta y sucesivamente en cada aniversario de la fecha de\nemisi\xc3\xb3n de la tarjeta, cuando aplique el cargo por Cuota Anual. Cuando el cargo por Cuota Anual no aplique, o se\nreduzca, as\xc3\xad se dispondr\xc3\xa1 mediante carta de oferta, tel\xc3\xa9fono, internet o cualquier otro medio. Tarjeta Adicionales: El\nTenedor podr\xc3\xa1 solicitar Tarjetas adicionales bajo su cuenta para ser utilizadas por aquellas otras personas que el\nTenedor designe, en cuyo caso el Tenedor ser\xc3\xa1 siempre solidariamente responsable del pago total de todas las compras\ny adelantos de efectivo que se efect\xc3\xbaen mediante el uso de dichas Tarjetas adicionales y de los Cargos por Intereses\ncorrespondientes. Si el Tenedor solicita tarjetas adicionales, pagar\xc3\xa1 al Banco una Cuota Anual suplementaria no\nreembolsable de $9 por Visa Cl\xc3\xa1sica y Visa UCard, $10 por Tarjeta adicional American Express Standard, $15 por la\nMasterCard Oro, la American Express Premium de Banco Santander y la Santander MileagePlus. No habr\xc3\xa1 cargo por\ntarjetas adicionales cuando se trate de la Tarjeta RedCard Santander o tarjetas que el Banco tenga en promoci\xc3\xb3n de\ntiempo en tiempo. Cuando el cargo por tarjeta adicional no aplique, o se reduzca, as\xc3\xad se dispondr\xc3\xa1 mediante carta de\noferta, tel\xc3\xa9fono, internet o cualquier otro medio.\nESTADO DE CUENTA MENSUAL: Mensualmente el Banco le enviar\xc3\xa1 al Tenedor un Estado de Cuenta al finalizar cada\nper\xc3\xadodo de facturaci\xc3\xb3n el cual indicar\xc3\xa1, seg\xc3\xban aplique, las siguientes partidas: Balance Anterior, Pagos y Cr\xc3\xa9ditos,\nD\xc3\xa9bitos, Compras de Mercanc\xc3\xadas y Servicios y Adelantos de Efectivo y Transferencia de Balance durante el per\xc3\xadodo en\ncuesti\xc3\xb3n, el Cargo Por Intereses, la Tasa de Porcentaje, expresada mensual y anualmente, la fecha de cierre del\nper\xc3\xadodo de facturaci\xc3\xb3n, el Balance Diario Promedio, el Total del Balance Nuevo, el pago m\xc3\xadnimo, la fecha en que vencer\xc3\xa1\ndicho pago, Aviso sobre Pago Tard\xc3\xado, Aviso sobre el Pago M\xc3\xadnimo, Referencia sobre consejer\xc3\xada de Cr\xc3\xa9dito y Secciones\nde Cargos de Intereses Cobrados durante el a\xc3\xb1o, entre otras partidas. El Tenedor deber\xc3\xa1 notificar por escrito al Banco\ncualquier error en el Estado de Cuenta Mensual dentro de los sesenta (60) d\xc3\xadas siguientes a la fecha en que el Estado de\nCuenta le es enviado.\nOTROS CARGOS: Cargo por Cheque Devuelto - Se a\xc3\xb1adir\xc3\xa1 un cargo de $10 al balance existente en compras por\ncada pago realizado a su tarjeta de cr\xc3\xa9dito con cheque devuelto por las siguientes razones: fondos no disponibles o\n\n\x0ccobrados, fondos insuficientes o cualquier otra raz\xc3\xb3n por la cual el cheque no pueda ser procesado. Cargo por Mora - se\na\xc3\xb1adir\xc3\xa1 una cantidad igual al pago m\xc3\xadnimo hasta un m\xc3\xa1ximo de $38 al balance existente en compras por cada per\xc3\xadodo de\nfacturaci\xc3\xb3n en que no sea efectuado el pago m\xc3\xadnimo a la fecha de vencimiento. Cargo por adelanto de efectivo - se\na\xc3\xb1adir\xc3\xa1 un cargo igual al 2% de la cantidad del adelanto de efectivo (cargo m\xc3\xadnimo: $2; m\xc3\xa1ximo: $10) por cada adelanto\nobtenido ya sea v\xc3\xada retiro por cajero autom\xc3\xa1tico o sucursal o a trav\xc3\xa9s de un cheque de conveniencia (Bankcardcheck).\nCUENTAS CONJUNTAS: Titulares de cuentas conjuntas ser\xc3\xa1n solidariamente responsables por el total de las compras\ny adelantos de efectivo realizados bajo el plan de cr\xc3\xa9dito. El Banco podr\xc3\xa1 requerir la comparecencia y firma de ambos\npara procesar ciertas instrucciones o solicitudes que incluyen, pero no se limitan a (1) solicitud de aumento o reducci\xc3\xb3n\nde la l\xc3\xadnea de cr\xc3\xa9dito, (2) emisi\xc3\xb3n de tarjetas adicionales, y (3) cambio en la direcci\xc3\xb3n a la cual se env\xc3\xada el estado de\ncuenta del plan de cr\xc3\xa9dito. Ambos acuerdan liberar e indemnizar al Banco de toda responsabilidad por da\xc3\xb1os, p\xc3\xa9rdidas o\ngastos que surjan como resultado de cualquier acci\xc3\xb3n que realice el Banco en cumplimiento con las instrucciones dadas\npor cualquiera de los titulares.\nINCUMPLIMIENTO: En caso de insolvencia, quiebra, o muerte del Tenedor, o si dejase de cumplir cualquier obligaci\xc3\xb3n\ncon el Banco bajo este Contrato, la deuda total del Tenedor al Banco quedar\xc3\xa1, a opci\xc3\xb3n del Banco, inmediatamente\nvencida y ser\xc3\xa1 pagadera de acuerdo a las disposiciones pertinentes de Ley y de los reglamentos vigentes. Si dicho\nincumplimiento surgiere por raz\xc3\xb3n de no cumplir con los pagos requeridos por las disposiciones de este Contrato,\ncualquier deuda vencer\xc3\xa1 bajo cualquiera de las siguientes condiciones:\n\xe2\x80\xa2 Si el deudor faltase en el pago de tres plazos consecutivos.\n\xe2\x80\xa2 Si el deudor faltase en el pago de uno o m\xc3\xa1s plazos y en dos o m\xc3\xa1s ocasiones hab\xc3\xada dejado de pagar dos o m\xc3\xa1s plazos\nconsecutivos.\n\xe2\x80\xa2 Si el deudor efect\xc3\xbaa un pago parcial de un plazo vencido e hiciese tres pagos consecutivos posteriormente pero sigue\nsin pagar el remanente del pago parcial adeudado.\nPAGO MINIMO: El Tenedor podr\xc3\xa1 pagar el Total del Nuevo Balance en su totalidad o en plazos mensuales. De efectuar\nel pago en plazos mensuales, el Pago M\xc3\xadnimo ser\xc3\xa1:\nSi el balance adeudado es:\n$ .01 a $ 9.99\n$ 10.00 a $600.00\n$600.01 en adelante\n\nPago M\xc3\xadnimo ser\xc3\xa1:\nEl balance nuevo o los intereses acumulados al\ncierre del ciclo de facturaci\xc3\xb3n, lo que sea mayor.\n$10.00 o los intereses acumulados al cierre del\nciclo de facturaci\xc3\xb3n, lo que sea mayor.\n1/60 o los intereses acumulados al cierre del\nciclo de facturaci\xc3\xb3n, lo que sea mayor.\n\nAdem\xc3\xa1s, su pago m\xc3\xadnimo incluir\xc3\xa1 la cantidad total del exceso sobre el l\xc3\xadmite de cr\xc3\xa9dito autorizado. El Tenedor podr\xc3\xa1\npagar en cualquier momento el Total del Nuevo Balance o cualquier parte de \xc3\xa9ste que sea mayor que el Pago M\xc3\xadnimo\nMensual requerido.\nAPLICACI\xc3\x93N DE PAGOS: Si el Tenedor pagara el Pago M\xc3\xadnimo requerido en el Estado de Cuenta Mensual, dicho pago\nser\xc3\xa1 aplicado en la siguiente forma: primero a los Cargos por Intereses, y el remanente se aplicar\xc3\xa1 proporcionalmente a\nlo adeudado por concepto de mercanc\xc3\xadas y servicios y adelantos en efectivo, conforme al Balance Nuevo que cada una\nde dichas partidas arroje a la fecha de facturaci\xc3\xb3n del estado de cuenta mensual. Si el Tenedor pagara una cantidad en\nexceso del Pago M\xc3\xadnimo requerido, podr\xc3\xa1 declarar por escrito al momento de hacer el pago, que se aplique el exceso a\nlos adelantos en efectivo y mercanc\xc3\xadas y servicios, o se distribuya proporcionalmente. En la ausencia de tal declaraci\xc3\xb3n,\nse aplicar\xc3\xa1 el exceso a la deuda con la tasa de cargos por Intereses m\xc3\xa1s alta.\nAPLICACI\xc3\x93N DE PAGOS EL MISMO DIA: El Banco acreditar\xc3\xa1 el pago que realice el Tenedor el mismo d\xc3\xada cuando \xc3\xa9ste\nse efect\xc3\xbae: (a) en efectivo o en cheque a trav\xc3\xa9s de una de las sucursales del Banco, antes de la hora de cierre de lunes a\nviernes; (b) electr\xc3\xb3nicamente antes de las 5:00 p.m. de lunes a viernes; (c) a trav\xc3\xa9s del correo junto al talonario de pago\na la direcci\xc3\xb3n que aparece en el Estado de Cuenta del Tenedor. Si el Banco recibe el pago en fin de semana o d\xc3\xada\nferiado, el pago ser\xc3\xa1 acreditado a la cuenta el siguiente d\xc3\xada laborable. En caso de pagos recibidos en cheque el Banco\naplazar\xc3\xa1 la disponibilidad de los fondos equivalentes al importe del pago, por un periodo de hasta cinco (5) d\xc3\xadas h\xc3\xa1biles.\nEsto no conllevar\xc3\xa1 cargos adicionales a su cuenta por concepto de cargos por Intereses.\nCARGOS POR CONVERSI\xc3\x93N DE MONEDAS: Su estado de cuenta reflejar\xc3\xa1 en d\xc3\xb3lares americanos toda transacci\xc3\xb3n\nefectuada en moneda extranjera. El proceso de conversi\xc3\xb3n de moneda extranjera a d\xc3\xb3lares americanos ser\xc3\xa1 efectuado\npor Visa Internacional, MasterCard Internacional o American Express Travel Related Services Company, Inc.\n(conjuntamente, las \xe2\x80\x9cAsociaciones\xe2\x80\x9d o individualmente, la \xe2\x80\x9cAsociaci\xc3\xb3n\xe2\x80\x9d), dependiendo de su Tarjeta, utilizando:\na. Una tasa de cambio seleccionada por la Asociaci\xc3\xb3n aplicable, de las distintas tasas disponibles en el mercado de\ndivisas durante la fecha en que su transacci\xc3\xb3n sea procesada. La tasa de cambio utilizada por la Asociaci\xc3\xb3n a esos\nefectos pudiese ser distinta a la tasa recibida por la propia Asociaci\xc3\xb3n aplicable, o\nb. Aquella tasa de cambio decretada por el gobierno para la fecha en que su transacci\xc3\xb3n sea procesada. Visa\nInternacional y MasterCard Internacional cobrar\xc3\xa1n un cargo de conversi\xc3\xb3n de moneda de 1% del monto de la transacci\xc3\xb3n\nefectuada en moneda extranjera. American Express Travel Related Services Company, Inc. cobrar\xc3\xa1 un cargo de\nconversi\xc3\xb3n de moneda extranjera de 2% del monto de la transacci\xc3\xb3n efectuada en moneda extranjera.\nDENEGACI\xc3\x93N DE LA TARJETA: El Banco no ser\xc3\xa1 responsable si una compra o adelanto de efectivo no es autorizado\npor el Banco o un tercero, a\xc3\xban en el caso de que el Tenedor tenga cr\xc3\xa9dito disponible. El Banco puede limitar el n\xc3\xbamero\nde compras o adelantos de efectivo aprobados durante un d\xc3\xada. Si el Banco detecta actividad poco usual o sospechosa en\nla cuenta, podr\xc3\xa1 suspender temporalmente el cr\xc3\xa9dito hasta que se verifique la legitimidad de la transacci\xc3\xb3n. El Banco\npodr\xc3\xada suspender temporalmente el cr\xc3\xa9dito, si el Tenedor tiene alguna deuda existente con el Banco que se encuentre en\natrasos. El Banco podr\xc3\xada aprobar compras o adelantos de efectivo que excedan el l\xc3\xadmite de cr\xc3\xa9dito sin renunciar a sus\nderechos bajo este Acuerdo. El Tenedor reconoce y acepta que el Banco no tendr\xc3\xa1 responsabilidad ni obligaci\xc3\xb3n alguna\npor las comunicaciones, actos u omisiones de los establecimientos incluyendo su negativa a aceptar la Tarjeta, as\xc3\xad como\npor los defectos, calidad, peso, cantidad o cualquier otro aspecto relativo a la entrega o prestaci\xc3\xb3n de los bienes y/o\nservicios que se adquieran u obtengan mediante el uso de la Tarjeta.\nTARJETA EXTRAVIADA O HURTADA: Si la tarjeta se extraviara o fuera hurtada o el Tenedor sospechara que alguien\npudiera utilizarla sin su autorizaci\xc3\xb3n, el Tenedor deber\xc3\xa1 notificar inmediatamente al Banco llamando por tel\xc3\xa9fono al (787)\n281-2000 o al 1-800-726-8263, 24 horas y completar y someter aquellos formularios o informes que el Banco le requiera.\nEl Tenedor no ser\xc3\xa1 responsable por transacciones fraudulentas que ocurran en caso de p\xc3\xa9rdida, robo o uso no\nautorizado.\nENMIENDAS: Seg\xc3\xban requerido por ley, este Contrato incluye las divulgaciones en t\xc3\xa9rminos y condiciones de su tarjeta\nde cr\xc3\xa9dito. El Banco no puede garantizar que los t\xc3\xa9rminos y condiciones de su tarjeta de cr\xc3\xa9dito queden inalterados.\nLos mismos pueden cambiar de conformidad a las leyes y reglamentos aplicables, tambi\xc3\xa9n pueden ocurrir cambios\nbasados en su historial de cr\xc3\xa9dito, condiciones de mercado, estrategias de negocios y por cualquier otra raz\xc3\xb3n. De\nocurrir alg\xc3\xban cambio los mismos ser\xc3\xa1n notificados de conformidad con las leyes y reglamentos aplicables. De estos\ncambios no estar contemplados en alguna ley o reglamento, los mismos ser\xc3\xa1n notificados 10 d\xc3\xadas previos al cambio. Los\nCargos por Intereses, las tasas Peri\xc3\xb3dicas y los dem\xc3\xa1s t\xc3\xa9rminos y condiciones contenidos en el presente Contrato\npodr\xc3\xa1n ser enmendados por el Banco luego de haber transcurrido 12 meses de la apertura de la cuenta. Cualquier\nenmienda con relaci\xc3\xb3n a los Cargos por Intereses ser\xc3\xa1 aplicable a las nuevas compras de mercanc\xc3\xadas y servicios y\n\n\x0cadelantos en efectivo que se originen a partir de la fecha de vigencia del cambio, seg\xc3\xban permitido por las leyes y\nreglamentos aplicables. Si el Tenedor no estuviera de acuerdo con las enmiendas notificadas y deseara dar por\nterminado el Contrato, deber\xc3\xa1 notificar por escrito al Banco de su decisi\xc3\xb3n y devolver la tarjeta partida en dos antes de la\nfecha de efectividad de la modificaci\xc3\xb3n notificada y seguir\xc3\xa1 pagando los balances adeudados bajo la cuenta, conforme a\nlos t\xc3\xa9rminos y condiciones anteriormente vigentes. Cualquier cambio en las tasas de Cargos por Intereses que ocurra\nen o antes de la fecha en que se aprueba el cr\xc3\xa9dito solicitado se notificar\xc3\xa1 mediante aviso acompa\xc3\xb1ado con la tarjeta al\nTenedor, quien, mediante el uso de la Tarjeta confirma su aceptaci\xc3\xb3n del cambio.\nCANCELACI\xc3\x93N: La Tarjeta es propiedad del Banco y \xc3\xa9ste podr\xc3\xa1 cancelarla en cualquier momento sin previo aviso al\nTenedor, quien se obliga a devolver, a solicitud del Banco, cualquier Tarjeta emitida. Si usted no est\xc3\xa1 de acuerdo con los\nt\xc3\xa9rminos de este Contrato, puede cancelarlo en cualquier momento mediante notificaci\xc3\xb3n escrita al Banco sobre esos\nefectos, y la devoluci\xc3\xb3n de su Tarjeta partida en dos. Usted continuar\xc3\xa1 siendo responsable por el pago de cualquier\nbalance adeudado al momento de la cancelaci\xc3\xb3n. Si al momento de la cancelaci\xc3\xb3n usted tiene alg\xc3\xban balance adeudado\nen oferta, al mismo le aplicar\xc3\xa1 la tasa regular vigente a la fecha de terminaci\xc3\xb3n.\nUsted puede usar la Cuenta solamente con prop\xc3\xb3sitos personales, familiares o del hogar. Usted no puede usar la Cuenta\ncon prop\xc3\xb3sitos ilegales ni para juegos de azar por Internet (ni siquiera legalmente). Sin embargo, siempre ser\xc3\xa1\nresponsable de cualquier transacci\xc3\xb3n que realice, aunque est\xc3\xa9 en violaci\xc3\xb3n de la ley o de este Contrato. Deber\xc3\xa1 tomar\nmedidas razonables para evitar el uso no autorizado de su Cuenta. Nosotros podemos convertir su cuenta en cualquiera\nde nuestras otras cuentas rotativas para la que usted re\xc3\xbana los criterios de cr\xc3\xa9dito\nDISPOSICIONES MISCELANEAS: El Banco queda autorizado por el Tenedor a investigar las referencias de cr\xc3\xa9dito del\nTenedor y se reserva el derecho de expedir o no expedir, renovar o no renovar la tarjeta dependiendo de la habilidad de\npago y de las referencias de cr\xc3\xa9dito del Tenedor. La omisi\xc3\xb3n por parte del Banco de ejercitar cualquier derecho bajo este\nContrato no constituir\xc3\xa1 una renuncia a dicho derecho. Si alguna cl\xc3\xa1usula de este Contrato fuese declarada nula por un\nTribunal o dejase de tener efecto por disposici\xc3\xb3n legal o reglamentaria, las restantes disposiciones de este Contrato\ncontinuar\xc3\xa1n vigentes. El Tenedor establecer\xc3\xa1 un N\xc3\xbamero Secreto para poder tener acceso a adelantos de efectivo contra\nsu cuenta a trav\xc3\xa9s de Cajeros Autom\xc3\xa1ticos. El Tenedor se obliga y compromete a mantener la confidencialidad de dicho\nN\xc3\xbamero Secreto para as\xc3\xad evitar el uso de la Tarjeta por parte de personas no autorizadas y se compromete a no divulgar\no llevar el N\xc3\xbamero Secreto escrito junto a la Tarjeta. El l\xc3\xadmite de los adelantos de efectivo ser\xc3\xa1 el que de tiempo en\ntiempo fije el Banco. Cuando la Tarjeta fuere utilizada fuera de Puerto Rico o en otro banco asociado regir\xc3\xa1 el l\xc3\xadmite\nestablecido por el banco asociado al cual se presente la Tarjeta. El Tenedor podr\xc3\xa1 instruir al Banco a debitar de cuentas\ndepositadas en el Banco cualquier cantidad para cubrir pagos adeudados o el balance total de la deuda. El Banco, a\nopci\xc3\xb3n de \xc3\xa9ste, podr\xc3\xa1 no autorizar adelantos en efectivo y/o compra de mercanc\xc3\xadas y servicios cuando la cuenta se\nencuentre en atrasos de treinta d\xc3\xadas o m\xc3\xa1s y/o cuando el balance adeudado se encuentre sobre el l\xc3\xadmite de cr\xc3\xa9dito\nconcedido.\nEl Tenedor no est\xc3\xa1 obligado a aceptar la Tarjeta ni ser\xc3\xa1 responsable de cargo alguno a menos que elija aceptarla\nmediante el uso. Del Tenedor no aceptar la Tarjeta deber\xc3\xa1 notificar al Banco dentro de los quince (15) d\xc3\xadas luego de\nhaber recibido este contrato sin haberla utilizado. El uso de la Tarjeta por el Tenedor o por cualquier persona autorizada\npor \xc3\xa9ste constituye una aceptaci\xc3\xb3n por parte del Tenedor de todos y cada uno de los t\xc3\xa9rminos, cl\xc3\xa1usulas y condiciones\ndivulgados bajo este Contrato. Este Contrato se regir\xc3\xa1 e interpretar\xc3\xa1 bajo las leyes y reglamentos del Estado Libre\nAsociado de Puerto Rico y las leyes y reglamentos federales aplicables. En caso de que se le ofreciere alg\xc3\xban seguro de\nprotecci\xc3\xb3n de vida, incapacidad o desempleo involuntario o alguna otra cubierta por el Banco o alg\xc3\xban tercero (sea o no\nafiliado del Banco) dicho seguro es opcional y no es una condici\xc3\xb3n para extender el cr\xc3\xa9dito.\nINFORMACI\xc3\x93N DEL PROGRAMA MILEAGEPLUS\xc2\xae Y LAS MILLAS QUE USTED ACUMULA POR UTILIZAR LA\nTARJETA SANTANDER MILEAGEPLUS\nUsted nos autoriza a reportar a United Airlines Inc. las millas que acumule con su cuenta. Tambi\xc3\xa9n nos autoriza a\ncompartir con United Airlines Inc, informaci\xc3\xb3n sobre las millas acumuladas por transacciones realizadas con la tarjeta\nSantander MileagePlus\xc2\xae.\nUsted acumular\xc3\xa1 millas en el Programa MileagePlus por transacciones de compra siempre y cuando su cuenta este al\nd\xc3\xada y la misma est\xc3\xa9 abierta el d\xc3\xada que se registre la transacci\xc3\xb3n en su cuenta. Las millas se calculan multiplicando la\ncantidad de la transacci\xc3\xb3n por la acumulaci\xc3\xb3n de millas por d\xc3\xb3lar seg\xc3\xban corresponda. El Banco otorgar\xc3\xa1 las millas por la\nutilizaci\xc3\xb3n de la tarjeta de la siguiente manera: una (1) milla por cada d\xc3\xb3lar en transacciones de compras y dos (2) millas\npor cada d\xc3\xb3lar en transacciones realizadas en United Airlines Inc. El total de millas por transacci\xc3\xb3n se redondear\xc3\xa1 al\nentero m\xc3\xa1s cercano, se considerar\xc3\xa1 para el total de millas a reportarse a MileagePlus luego de cada ciclo de facturaci\xc3\xb3n\nde su cuenta.\nEl Banco reportar\xc3\xa1 las millas acumuladas con su tarjeta de cr\xc3\xa9dito al Programa MileagePlus siempre y cuando su cuenta\neste al d\xc3\xada y en buen estado el d\xc3\xada de su ciclo. Las millas acumuladas con su tarjeta de cr\xc3\xa9dito que no se hayan\nreportado a MileagePlus porque el d\xc3\xada del cierre de ciclo la cuenta no estaba al d\xc3\xada y en buen estado, se reportar\xc3\xa1n a\nMileagePlus en un futuro si la cuenta se pone al d\xc3\xada o se reabre.\nUsted podr\xc3\xa1 obtener acceso a sus millas acumuladas a trav\xc3\xa9s de www.United.com.\nDisputas sobre cantidades o compras hechas en violaci\xc3\xb3n de ley o de este Contrato no ser\xc3\xa1n incluidas en el c\xc3\xa1lculo para\nel programa de millas. El Banco se reserva el derecho de revocar las millas otorgadas basadas en compras donde el\ntarjetahabiente realiza una devoluci\xc3\xb3n de la mercanc\xc3\xada y recibe un cr\xc3\xa9dito a su cuenta.\nUnited Airlines Inc se reserva el derecho a cambiar o cancelar estas Reglas del Programa, en parte o en su totalidad, en\ncualquier momento, a su propio criterio, sin aviso o responsabilidad hacia usted, publicando un texto actualizado en\nUnited.com. Revise estas Reglas peri\xc3\xb3dicamente para asegurarse de conocer cualquier cambio y de familiarizarse con\nla versi\xc3\xb3n m\xc3\xa1s actual. Las recompensas por viajes, la acumulaci\xc3\xb3n de millas y las ofertas especiales de MileagePlus\nest\xc3\xa1n sujetas a las reglamentaciones gubernamentales.\nSe dispone que si un miembro del Programa MileagePlus comete abusos, fraude o cualquier violaci\xc3\xb3n a las reglas\ncorrespondientes, United Airlines Inc podr\xc3\xa1 tomar las acciones administrativas y/o legales seg\xc3\xban las autoridades\ngubernamentales correspondientes, incluyendo tomar acciones dispuestas en las Reglas, MileagePlus. Tales acciones\npueden incluir, sin restricciones, la p\xc3\xa9rdida de todas las millas, la p\xc3\xa9rdida de cualquier milla acumulada en una Cuenta de\nMiembro de MileagePlus, la deducci\xc3\xb3n de millas de MileagePlus y tambi\xc3\xa9n la cancelaci\xc3\xb3n de la Cuenta y la prohibici\xc3\xb3n\nfutura de participaci\xc3\xb3n del Miembro en MileagePlus.\nLas recompensas por viajes, la acumulaci\xc3\xb3n de millas y las ofertas especiales de MileagePlus est\xc3\xa1n sujetas a las\nreglamentaciones gubernamentales correspondientes.\nVisite: www.United.com/MileagePlusterms para obtener todos los detalles del Programa MileagePlus.\nMileagePlus es una marca registrada de United Airlines Inc.\nDERECHOS DE FACTURACI\xc3\x93N: Este aviso contiene informaci\xc3\xb3n importante respecto a sus derechos y nuestras\nresponsabilidades bajo el Fair Credit Billing Act. Notificaci\xc3\xb3n al Banco en caso de errores o dudas sobre el Estado\n\n\x0cde Cuenta: El Tenedor deber\xc3\xa1 notificar por escrito al Banco si cree que el Estado de Cuenta est\xc3\xa1 incorrecto o necesita\nm\xc3\xa1s informaci\xc3\xb3n acerca de una transacci\xc3\xb3n en el Estado. El Tenedor deber\xc3\xa1 escribir, en hoja separada, a la direcci\xc3\xb3n\nque indica el Estado de Cuenta, tan pronto sea posible. Este aviso debe hacerse no m\xc3\xa1s tarde de sesenta (60) d\xc3\xadas\ndesde que el Banco envi\xc3\xb3 el primer Estado en el cual apareci\xc3\xb3 el error o problema. El Tenedor puede llamar al Banco\npor tel\xc3\xa9fono, pero de esta forma su derecho no prevalece. El Tenedor debe enviar una carta con la siguiente informaci\xc3\xb3n:\nnombre y apellidos, n\xc3\xbamero de cuenta, la cantidad del alegado error, descripci\xc3\xb3n del error. De necesitar m\xc3\xa1s\ninformaci\xc3\xb3n, debe incluir una descripci\xc3\xb3n de la partida sobre la cual tiene dudas. Si el Tenedor ha autorizado al Banco a\npagar el estado de cuenta autom\xc3\xa1ticamente de su cuenta de ahorros o cheque, el Tenedor puede detener el pago en\ncualquier cantidad que entienda que esta incorrecta.\nDERECHOS Y RESPONSABILIDADES DEL BANCO LUEGO DE HABER RECIBIDO LA NOTIFICACI\xc3\x93N POR\nESCRITO DEL TENEDOR: El Banco debe acusar recibo de la carta dentro de treinta (30) d\xc3\xadas, a menos que hayamos\ncorregido el error dentro de este t\xc3\xa9rmino. Luego de haber recibido su carta, dentro de un per\xc3\xadodo equivalente a dos ciclos\nde facturaci\xc3\xb3n, pero no mayor de noventa (90) d\xc3\xadas, el Banco debe corregir el error o explicarle porque entendemos que\nla factura est\xc3\xa1 correcta. Despu\xc3\xa9s de haber recibido la notificaci\xc3\xb3n por escrito, el Banco no debe tratar de cobrar cualquier\ncantidad que el Tenedor cuestione, o reportarlo como moroso. El Banco puede continuar facturando la cantidad que el\nTenedor cuestione, incluyendo Cargos por Intereses y podr\xc3\xa1 aplicar cualquier cantidad adeudada a su l\xc3\xadnea de cr\xc3\xa9dito. El\nTenedor no tiene que pagar cualquier cantidad en disputa mientras el Banco est\xc3\xa9 investigando, pero el Tenedor estar\xc3\xa1\nobligado a pagar las partes de la factura que no est\xc3\xa9n en disputa. Si el Banco determina que hubo un error en la factura,\nel Tenedor no tendr\xc3\xa1 que pagar Cargos por Intereses relacionados con la porci\xc3\xb3n de la factura que est\xc3\xa9 en disputa. Si se\ndetermina que no hubo error en la factura, el Tenedor deber\xc3\xa1 pagar Cargos por Intereses y poner al d\xc3\xada cualquier pago\ncon la cantidad en disputa. En cualquier caso, el Banco le enviar\xc3\xa1 un Estado de Cuenta por la cantidad adeudada y la\nfecha de vencimiento. Si el Tenedor no pagara la cantidad que el Banco cree \xc3\xa9ste adeuda, el Banco podr\xc3\xa1 reportar el\ncaso como moroso. Sin embargo, si la explicaci\xc3\xb3n del Banco no satisface al Tenedor y \xc3\xa9ste escribe dentro de los\npr\xc3\xb3ximos diez (10) d\xc3\xadas informando que a\xc3\xban reh\xc3\xbasa hacer el pago, el Banco deber\xc3\xa1 informar a cualquier organizaci\xc3\xb3n a\nquien se le haya reportado como moroso el que el Tenedor tiene una disputa sobre la factura. Adem\xc3\xa1s el Banco deber\xc3\xa1\ninformarle al Tenedor sobre la identidad de cualquier organizaci\xc3\xb3n a que se le haya reportado al Tenedor que ha habido\nuna resoluci\xc3\xb3n una vez el asunto se haya resuelto. De no seguir estas reglas, el Banco no podr\xc3\xa1 cobrar los primeros $50\nde la cantidad en disputa, a\xc3\xban si se determina que la factura estaba correcta.\nREGLAS ESPECIALES SOBRE COMPRAS CON TARJETAS DE CR\xc3\x89DITO: De tener problemas con la calidad de los\nproductos o servicios comprados con tarjetas de cr\xc3\xa9dito, y usted ha tratado de buena fe de corregir el problema con el\nvendedor, usted pudiera tener el derecho de no pagar por el remanente de la deuda relacionada con esos productos o\nservicios. Hay dos limitaciones a este derecho: a) usted debe hacer la compra en su estado de residencia (\xe2\x80\x9chome state\xe2\x80\x9d),\no si no se encuentra en su estado de residencia, dentro de 100 millas de su direcci\xc3\xb3n postal, y b) el precio de compra\ndebe ser mayor de $50. Estas limitaciones no aplican al comercio donde el cliente adquiri\xc3\xb3 la mercanc\xc3\xada o servicios, si\n\xc3\xa9ste es propiedad o est\xc3\xa1 controlado por el Banco o si el Banco le envi\xc3\xb3 un anuncio o propaganda de la mercanc\xc3\xada o\nservicios.\nBanco Santander Puerto Rico- Divisi\xc3\xb3n Tarjetas Bancarias- PO BOX 362589 SAN JUAN, PR 00936-2589\n(REV 03/18)\n\n\x0cTasas de Inter\xc3\xa9s y Cargos de Intereses\nTarjeta de Cr\xc3\xa9dito\n\nAMEX\nStandard\n\nAMEX Oro\n\nRedCard\nSantander\n\nMC\nOro\n\nSantander\nMileagePlus\n\nVISA\nCl\xc3\xa1sica\n\nVISA U-Card\n\n1.99%\nTasa de porcentaje anual\n(APR) en compras\n\nintroductorio por\nlos primeros 6\nmeses. Luego\nde esto su APR\nRegular ser\xc3\xa1\n\n9.95% a 25.95%, al momento de apertura de la cuenta, basado en\nsu historial de cr\xc3\xa9dito.\n\n22.95%\nTasa de porcentaje\nanual (APR) en\nTransferencia de\nBalances\nTasa de porcentaje\nanual (APR) en\nAdelantos de Efectivo\n\n9.95% a 25.95%, al momento de apertura de la cuenta, basado en su historial\nde cr\xc3\xa9dito.\n\n22.95%\n\n22.95% a 25.95%, al momento de apertura de la cuenta, basado en su historial\nde cr\xc3\xa9dito.\n\n24.95%\n\n29.99% APR\nAplica a los balances de la cuenta, incluyendo nuevas compras, adelantos de efectivo y\nbalances transferidos si se produce la siguiente condici\xc3\xb3n:\nAPR de Penalidad o\nIncumplimiento y\nCu\xc3\xa1ndo Aplica\n\na. El pago m\xc3\xadnimo no se recibe durante 2 per\xc3\xadodos de facturaci\xc3\xb3n consecutivos.\n\xc2\xbfPor cu\xc3\xa1nto tiempo aplica la tasa de penalidad o incumplimiento?\nSi su tasa de porcentaje anual incrementa por esta raz\xc3\xb3n la tasa por incumplimiento aplicar\xc3\xa1\nhasta que haya realizado, por lo menos, seis (6) pagos m\xc3\xadnimos consecutivos en o antes de su\nfecha de vencimiento.\n\nPago de Intereses\n\nSu fecha de pago ser\xc3\xa1 de por lo menos 27 a 32 d\xc3\xadas luego del cierre de cada ciclo de facturaci\xc3\xb3n.\nNo cobraremos intereses desde la fecha que compre bienes o servicios, si usted paga el\nbalance total adeudado de su cuenta en o antes de la Fecha de Vencimiento. Si no paga el\nbalance total adeudado, pero se encuentra en per\xc3\xadodo de gracia, no pagar\xc3\xa1 intereses sobre el\nmonto pagado en ese ciclo de facturaci\xc3\xb3n. En los ciclos posteriores usted no tendr\xc3\xa1 per\xc3\xadodo de\ngracia hasta que pague el balance total adeudado en su cuenta. Los balances relacionados a\nciertas ofertas no se toman en cuenta para determinar si califica para el per\xc3\xadodo de gracia, para\nlos cuales debe referirse a los t\xc3\xa9rminos y condiciones de la oferta. Los intereses respecto a\nadelantos de efectivo, transferencias de balance de otras instituciones y cheques de\nconveniencia se impondr\xc3\xa1n desde la fecha en que se realice la transacci\xc3\xb3n y seguir\xc3\xa1n\nacumul\xc3\xa1ndose hasta el saldo total de estos balances.\n\nPara consejos de\ncr\xc3\xa9dito del Consumer\nFinancial Protection\nBureau\n\nPara informaci\xc3\xb3n sobre factores a considerar al solicitar o usar tarjetas de cr\xc3\xa9dito, visite a\nla Consumer Financial Protection Bureau en su sitio de Internet:\nhttp://www.consumerfinance.gov/learnmore\n\nCargos\nCuota anual\nCuota Anual tarjeta adicional\n\nAMEX\nStandard\n\nAMEX\nPremium\n\nMC\nRedCard\n\nMC\nOro\n\n$35\n\n$55\n\n$0\n\n$45\n\nVISA\nSantander\nMileagePlus\n$50\n\n$10\n\n$15\n\n$0\n\n$15\n\n$15\n\nVISA\nCl\xc3\xa1sica\n\nVISA UCard\n\n$24\n\n$16\n\n$9\n\n$9\n\nCargos por transacciones\nCargos por adelantos de\nefectivo y/o transferencias de\nbalance\n\nConversi\xc3\xb3n de monedas\nCargos por Penalidad:\nCargo por mora\nCheque Devuelto\n\nAdelantos de efectivo y/o transferencias de balance: 2% del adelanto: m\xc3\xadnimo $2, m\xc3\xa1ximo\n$10.\n\n2% del monto de la\ntransacci\xc3\xb3n efectuada\nen moneda extranjera.\nHasta un m\xc3\xa1ximo de $38\n$10\n\n1% del monto de la transacci\xc3\xb3n efectuada en moneda extranjera.\n\n\x0c\xc2\xbfC\xc3\xb3mo calcularemos su balance? Utilizamos el m\xc3\xa9todo de balance Diario Promedio\n(incluyendo compras nuevas).\nP\xc3\xa9rdida de APR Introductorio: Podemos terminar tu APR de introducci\xc3\xb3n y aplicar el APR de\nCompras si cierra su cuenta o hace un pago tard\xc3\xado.\nDerechos de Facturaci\xc3\xb3n: La informaci\xc3\xb3n sobre sus derechos a disputar transacciones y como\nejercer esos derechos se proporciona en su contrato de cuenta de tarjeta de cr\xc3\xa9dito.\nBanco Santander Puerto Rico es miembro FDIC. Lic. OCIF IB-17.\n\n\x0c'


b'Revolving Account Plan Agreement\n-----------------------------------------------Santander Platinum American Express\xc2\xae\nThis document and the terms and conditions of your credit card that are disclosed in offers thru promotional letters, telephone, Internet or any\nother means constitute its Revolving Account Plan Agreement with Banco Santander Puerto Rico (hereinafter the "Agreement"). The use of\nthe Credit Card (hereinafter the \xe2\x80\x9cCard\xe2\x80\x9d) which is issued by Banco Santander Puerto Rico (hereinafter the "Bank") at the request of the person\non behalf of whom the Card is issued (hereinafter the "Holder") shall be governed by the following terms, conditions and clauses:\nUSE OF THE CARD: The Holder can use the Card to purchase and/or lease goods and services in those establishments where the Card is\naccepted and to obtain cash advances from the Bank or any other bank that accepts the Card, subject to those limitations that from time to\ntime is established by the Bank or the associated Bank to which the Card is presented. Similarly, the Holder may perform balance transfers\nsubject to the availability of his credit line. As a fraud prevention measure your card will be blocked for use outside of Puerto Rico and United\nStates. The cardholder will be responsible to notify the Bank by calling Banco en Casa at 787-281-2000 or 1-800-726-8263 prior to traveling\noutside of Puerto Rico. This will provide greater security on your transactions and will allow the use of your card abroad, preventing your card\nfrom being blocked. The holder shall owe the Bank the amount charged to his account for using the Card, plus any Interest Charges to be\ndetermined, which will become payable in the legal tender of the United States of America, in its entirety or in monthly installments, in\naccordance with the provisions set forth in this Agreement.\nCREDIT LIMIT: The initial credit limit granted by the Bank for the Holder\xe2\x80\x99s account will be notified to him upon receipt of the Card. Also, on\neach monthly account statement the existing credit limit will appear as of the date of the statement. The Holder agrees that the Bank may\nchange his credit limit from time to time based on his credit assessment. The Holder may not exceed the credit limit approved by the Bank and\nby doing so the Bank will have the right to cancel the Card, require its return or seize it and close the account. Any amount in excess of the\nlimit approved by the Bank shall be paid by the Holder at sight.\nINTEREST CHARGES: The Interest Charges are computed only on the principal balance. The Holder shall pay Interest Charges monthly\non the balance of his account during the billing period, as described below, which will never be higher than the rate established by the\ncorresponding laws and regulations. The Interest Charges of the Santander Platinum American Express from Banco Santander for goods and\nservices and cash advances varies in accordance with the applicant\'s credit score at the time of the credit assessment, which can range from\n0.8291% up to 2.1625% (Periodic Rate), equivalent to an Annual Percentage Rate (APR) ranging from 9.95% up to 25.95%. If the rate\ndisclosed in the offer that was made to you by Banco Santander Puerto Rico thru promotional letter, telephone, Internet or any other means is\ndifferent to this, the Periodic Rate will be computed by dividing the Annual Percentage Rate applicable to your account between twelve (12).\nAn Interest Charge will be imposed on purchases charged to this account by applying the specified Monthly Periodic Rate to the Average Daily\nBalance. This balance is obtained by taking the initial balance for each day in the billing period, subtracting payments and credits and adding\nthe purchases, except purchases made in billing periods where the opening balance of the period is $0 or the initial balance is paid in full\nwithin the period. Then we add all daily balances within the billing period and divide this total by the number of days within the period. The\nresult is the Average Daily Balance. No Interest Charges will be imposed for billing periods where there is no previous balance or during\nwhich payments and credits match or exceed the previous balance. With regard to Interest Charges for cash advances, they shall be\nimposed by applying the specified Monthly Periodic Rate to the Average Daily Balance as of the date on which the Holder and/or the persons\nauthorized by the Holder received such cash advances until its total payment.\nPENALTY RATE: The Annual Percentage Rate (APR) (including promotional rates) that applies to existing balances as well as new\npurchases of goods and services, cash advances and balances transferred to your account, may increase to 29.99% APR if the following\ncondition occurs:\n\xe2\x80\xa2 The minimum payment on your account is not received for two (2) consecutive billing periods.\nYour account will be eligible to return to the regular Annual Percentage Rate (APR) once the account is up to date and you have made six (6)\nconsecutive minimum payments on or before the corresponding due dates. The Bank shall notify the increase in the penalty rate with no less\nthan forty-five (45) days prior to the effective date of the increase.\nPROMOTIONAL RATES: If the Holder has been granted at a promotional rate (Annual Percentage Rate (APR) applicable to existing\nbalances, new purchases of goods and services, balance transfers and cash advances charged to your account) the same will be in effect\nduring the term specified in the offer made by the Bank. However, if the Holder decides to cancel his account before the end of the\npromotional rate period, he will lose the benefits of the promotional rate and will be charged at the corresponding regular rate for his account\nfor the existing balance as of the date of cancelling his Card.\nANNUAL FEE: As user of the Card the Holder undertakes to pay the Bank a non-refundable Annual Fee of $175, for the Santander Platinum\nAmerican Express. Annual fees will be charged in your first account statement and successively on each anniversary of the issuance date of\nthe Card, when the annual fee charge applies. When the annual fee do not apply, or is reduced, thus will be made available through offers by\nletter, telephone, Internet or any other means. Additional Cards: The Holder may request additional Cards under his account to be used by\nthose other persons designated by the Holder, in which case the Holder is always jointly and severally responsible for payment in full of all\npurchases and cash advances made through the use of these additional Cards and the corresponding Interest Charges. If the Holder\nrequests an additional Card, he will pay the Bank an additional non-refundable Annual Fee of $75. There will be no charge for additional\nCards in the case of the Card that the Bank has in promotion from time to time. When the additional Card fee does not apply, or is reduced,\nthus will be made available through offers by letter, telephone, Internet or any other means.\nMONTHLY ACCOUNT STATEMENT: Every month the Bank will send the Holder an Account Statement at the end of each billing period\nwhich shall indicate, as applicable, the following items: Previous Balance, Payments and Credits, Debits, Purchases of Goods and Services\nand Cash Advances during the period in question, the Interest Charges, the Percentage Rate, expressed monthly and annually, the closing\ndate of the billing period, the Average Daily Balance, the New Balance Total, the minimum payment, the due date of said payment, Notice\nabout Late Payment, Notice about Minimum Payment, reference on Credit counseling and Sections of Charges and Interest Collected during\nthe year, among other items. The Holder shall notify in writing to the Bank any error in the monthly Account Statement within sixty (60) days\nfollowing the date on which the statement is sent.\nOTHER FEES: Returned Checks Fee \xe2\x80\x93 A charge of $10 will be added to the existing purchases balance for each payment made to your\nCredit Card by a check returned for the following reasons: not available or non collected funds, insufficient funds or any other reason why the\ncheck can not be processed. Late Payment Fee \xe2\x80\x93 an amount equal to the minimum payment up to a maximum of $38 will be added to the\nexisting purchases balance for each billing period when the minimum payment is not made at the due date. Cash Advance Fee \xe2\x80\x93 a charge\nequal to 2% of the amount of the cash advance is added (minimum charge: $2; maximum: $10) for each advance retrieved either via\nwithdrawal in automatic teller machines or branch offices or through a convenience check (Bankcard check).\nJOINT ACCOUNTS: Joint account holders are jointly and severally responsible for all purchases and cash advances made under the credit\nplan. The Bank may require the appearance and signature of both to process certain instructions or requests that include, but are not limited to\n(1) request for increase or decrease in the credit line, (2) issuance of additional Cards, and (3) change in the address to which the account\nstatement of the credit plan is sent. Both agree to release and indemnify the Bank from all liability for damages, losses or expenses arising as\na result of any action taken by the Bank in compliance with the instructions given by any of the Holders.\nNON-COMPLIANCE: In the event of insolvency, bankruptcy, or death of the Holder, or if he ceases to satisfy any obligation with the Bank\nunder this Agreement, the total debt of the Holder to the Bank shall be, at the sole discretion of the Bank, due immediately and shall be\npayable according to the pertinent provisions of the current laws and regulations. If such non-compliance arises by reason of failure to comply\nwith the payments required under the provisions of this Agreement, any debt will be due under any of the following conditions:\n\xe2\x80\xa2 If the debtor defaults on the payment for three consecutive terms.\n\xe2\x80\xa2 If the debtor defaults on the payment of one or more installments and on two or more occasions had defaulted in paying two or more\nconsecutive terms.\n\xe2\x80\xa2 If the debtor makes a partial payment of an overdue installment and makes three consecutive payments later but still does not pay the\nremaining balance of the partial payment due.\n\n\x0cMINIMUM PAYMENT: The holder may pay the New Balance total in its entirety or in monthly installments. If payment is made in monthly\ninstallments, the Minimum Payment will be:\nIf the balance due is:\n\nMinimum Payment will be:\n\n$ 0.01 to $ 9.99\n\nNew balance or accrued interest at the close of the billing\ncycle, whichever is greater\n\n$ 10.00 to $600.00\n$600.01 onwards\n\n$10.00 or accrued interest at the close of the billing cycle,\nwhichever is greater\n1/60 or accrued interest at the close of the billing cycle,\nwhichever is greater\n\nIn addition, the minimum monthly payment shall include the total amount in excess of your authorized credit limit. The holder may pay at any\ntime the New Balance Total or any part of this that is greater than the required minimum monthly payment.\nPAYMENT APPLICATION: If the Holder pays the minimum payment required in the monthly account statement, the payment will be applied\nas follows: first to Interest Charges, and the remainder will be applied proportionately to amount owed by concept of goods and services and\ncash advances, in accordance with the New Balance that each one of these headings will yield on the billing date of the monthly account\nstatement. If the Holder pays an amount in excess of the required minimum payment, it may stipulate in writing at the time of making the\npayment that the excess be applied to cash advances and goods and services, or be distributed proportionally. In the absence of such a\ndeclaration, the excess shall be applied to the debt with the highest rate of Interest Charges.\nPAYMENTS APPLICATION ON THE SAME DAY: The Bank will credit the payment made by the Holder the same day it is made: (a) in cash\nor in check through one of the Bank branch offices, prior to the closing time from Monday through Friday; (b) electronically before 5:00 p.m.\nMonday through Friday; (c) by mail together with the payment coupon to the address listed on the account statement of the Holder. If the\npayment is received by the Bank on weekend or holiday, the payment will be credited to the account the next business day. In case of\npayments received by check the Bank shall defer the availability of funds equivalent to the amount of the payment, for a period of up to five (5)\nbusiness days. This will not entail additional charges to your account for Interest Charges.\nCURRENCY CONVERSION CHARGES: Your statement will reflect in US dollars any transaction in foreign currency. The process of foreign\ncurrency conversion to U.S. dollars shall be made by MasterCard International (jointly, the "Associations" or individually, the "Association"),\ndepending on your Card, using:\n(A) An exchange rate selected by the applicable Association from the different rates available in the foreign exchange market during the date\nin which your transaction is processed. The exchange rate used by the Association to those effects could be different from the rate received by\nthe applicable Association, or (B) the exchange rate decreed by the government for the date on which your transaction is processed. American\nExpress will charge a fee for currency conversion of 2% of the transaction amount made in foreign currency.\nDENIAL OF CREDIT: The Bank is not liable if a purchase or cash advance is not authorized by the Bank or a third party even in the event of\nthe Holder having available credit. The Bank may limit the number of purchases or cash advances approved during one day. If the Bank\ndetects some unusual or suspicious activity on the account, the Bank can temporarily suspend the credit until the legitimacy of the transaction\nis verified. The Bank could temporarily suspend the credit, if the Holder has any existing debt with the Bank that is in arrears. The Bank could\napprove purchases or cash advances exceeding the credit limit without renouncing its rights under this Agreement. The Holder acknowledges\nand agrees that the Bank shall have no liability or obligation for communications, acts or omissions of the establishments including their\nrefusal to accept the Card, as well as for defects, quality, weight, quantity or any other aspect relating to the delivery or provision of the goods\nand/or services that are purchased or obtained through the use of the Card.\nLOST OR STOLEN CARD: If the Card is misplaced or stolen or the Holder suspects that someone could use it without his permission, the\nHolder shall immediately notify the Bank by calling (787) 281-2000 or 1-800-726-8263, 24 hours, and complete and submit those forms or\nreports required by the Bank. The Holder is not liable for fraudulent transactions that occur in the event of loss, theft or unauthorized use.\nAMENDMENTS: As required by law, this Agreement includes the disclosures in terms and conditions of your Credit Card. The Bank cannot\nguarantee that the terms and conditions of your Credit Card are unchanged. They can change in accordance to the applicable laws and\nregulations; also, changes based on your credit history, market conditions, and business strategies and for any other reason, may occur. If any\nchanges occur, they will be notified in accordance with the applicable laws and regulations. If these changes are not addressed in any law or\nregulation, they will be notified 10 days prior to the changes. The Interest Charges, periodical rates and other terms and conditions contained\nin this Agreement may be amended by the Bank after having elapsed 12 months from opening the account. Any amendment regarding\nInterest Charges shall apply to new purchases of goods and services and cash advances that originate as of the effective date of the change,\nas permitted by laws and regulations. If the Holder does not agree with the notified amendments and wishes to terminate the Agreement, he\nmust notify the Bank in writing of his decision and return the Card cut in half before the effective date of the notified changes and will continue\nto pay the balances owed under the account, in accordance with the terms and conditions previously in effect. Any change in the Interest\nCharges that occur on or before the date that the requested credit was approved shall be notified through a notification accompanied with the\nCard to the Holder, who, through the use of the Card confirms his acceptance of the change.\nCANCELLATION: The Card is property of the Bank and the bank may cancel it at any time without prior notice to the Holder, who is obliged to\nreturn any Card issued, at the request of the Bank. If you do not agree to the terms of this Agreement, you may cancel it at any time by giving\nwritten notice to the Bank to these effects, and the return of the Card cut in half. You will remain responsible for the payment of any balance\nowed at the time of cancellation. If at the time of cancellation you have an outstanding balance with a special offer, the regular terms in effect\nat the time will apply to your outstanding balance.\nYou may use your card only for personal, family or household purposes. You may not use your card for illegal purposes or for internet\ngambling (even if legal). However, you are still responsible for any transactions that you enter into, even if in violation of law or this Agreement.\nYou must take reasonable steps to prevent unauthorized use of your Account. Subject to applicable law we may cancel or convert your\nAccount to any of our other revolving accounts\nMISCELLANEOUS PROVISIONS: The Bank is authorized by the Holder to investigate the Holder\xe2\x80\x99s credit references and reserves the right to\nissue or not issue, renew or not renew the Card depending on the Holder\xe2\x80\x99s ability to pay and credit references. Failure by the Bank to exercise\nany right under this Agreement shall not constitute a waiver of such right. If any provision of this Agreement is declared invalid by a Court or\nceases to have effect by legislative or regulatory provision, the remaining provisions of this Agreement will continue in force. The Holder will\nestablish a secret number to be able to access cash advances against his account through Automatic Teller Machines. The Holder undertakes\nand agrees to maintain the confidentiality of such secret number to avoid the use of the Card by unauthorized persons, and agrees not to\ndisclose or have the secret number written next to the Card. The limit of cash advances will be established by the Bank from time to time.\nWhen the Card is used outside Puerto Rico or in another associated bank, the limit established will be governed by the associated bank to\nwhich the Card is presented. The Holder may instruct the Bank to debit his Bank deposit accounts for any amount to cover payments due or\nthe total balance of the debt. The Bank, at its sole discretion, may not authorize cash advances and/or purchases of goods and services when\nthe account is in arrears for thirty days or more and/or when the outstanding balance is above the limit of the credit granted.\nThe Holder is not obliged to accept the Card nor will be responsible for any charges unless he chooses to accept it by using it. If the Holder\ndoes not accept the Card, he shall notify the Bank within fifteen (15) days after receiving this Agreement without having used the Card. The\nuse of the Card by the Holder or any person authorized by the latter constitutes acceptance by the Holder of each and every one of the terms,\nclauses and conditions disclosed under this Agreement. This Agreement shall be governed by and construed under the laws and regulations\nof the Commonwealth of Puerto Rico and the applicable federal laws and regulations. In case the Holder is offered any insurance for life\nprotection, disability or involuntary unemployment or some other coverage by the Bank or any third party (whether or not a Bank affiliate) such\ninsurance is optional and is not a condition for extending credit.\nBILLING RIGHTS: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotification to the Bank in case of errors or doubts on the account statement: the Holder shall notify in writing to the Bank if he believes that\nthe account statement is incorrect or needs more information about a transaction in the statement. The Holder must write, on a separate\nsheet, at the address indicated in the account statement, as soon as possible. This notification must be no later than sixty (60) days since the\nBank sent the first statement on which the error or problem appeared. The Holder may call the Bank by telephone, but this way your rights do\n\n\x0cnot prevail. The Holder must send a letter with the following information: name and lastname, account number, amount of money of the\nalleged error, description of the error. If you need more information, you must include a description of the item on which you have any\nquestions. If the Holder has authorized the Bank to pay the account statement automatically from his savings or checking account, the Holder\ncan stop the payment of any amount he understands that it is incorrect.\nRIGHTS AND RESPONSIBILITIES OF THE BANK AFTER HAVING RECEIVED THE WRITTEN NOTIFICATION FROM THE HOLDER: the\nBank must acknowledge receipt of the letter within thirty (30) days, unless the error has been corrected within this period. After receiving his\nletter, within a period equivalent to two billing cycles, but no more than ninety (90) days, the Bank must correct the error or explain to you why\nwe understand that the invoice is correct. After receiving the written notification, the Bank should not try to collect any amount that the Holder\nhas questioned, nor report him as delinquent. The Bank may continue to bill the amount that the Holder has questioned, including Interest\nCharges and may apply any amount due to his credit line. The Holder does not have to pay any amount in dispute while the Bank is\ninvestigating, but the Holder will be obligated to pay the parts of his invoice that are not in dispute. If the Bank determines that there was an\nerror in the invoice, the Holder will not have to pay Interest Charges related to the portion of the invoice that is in dispute. If it is determined\nthat there was no error on the invoice, the Holder shall pay Interest Charges and update any payment in the amount of the dispute. In any\ncase, the Bank will send you an account statement for the unpaid amount and the due date. If the Holder does not pay the amount that the\nBank believes it owes, the Bank can report the case as delinquent. However, if the Holder is not satisfied with the Bank\xe2\x80\x99s explanation, and he\nwrites within the next ten (10) days informing that he still refuses to pay the Bank, the Bank shall inform any organization to whom he has been\nreported as delinquent that the Holder has a dispute regarding the invoice. Also, the Bank must inform the Holder on the identity of any\norganization he has been reported to, that there has been a resolution once the matter has been resolved. If these rules are not followed, the\nBank may not charge the first $50 of the amount in dispute, even if it is determined that the invoice was correct.\nSPECIAL RULES ON PURCHASES WITH CREDIT CARDS: if there are problems with the quality of the goods or services purchased with\nCredit Cards and you have tried in good faith to correct the problem with the vendor, you may have the right to not pay the remaining debt\nbalance related to those products or services. There are two limitations on this right: a) the purchase must have been made in your state of\nresidence ("home state"), or if you are not in your state of residence, within 100 miles of your mailing address, and (b) the purchase price must\nbe greater than $50. These limitations do not apply to the vendor where you purchased the goods or services if this is owned or controlled by\nthe Bank or if the Bank sent you a promotional notice or advertising of their goods or services.\nBanco Santander Puerto Rico-Credit Cards Division-PO BOX 362589 SAN JUAN, PR 00936-2589\n(REV 03/18)\nInterest Rates and Interest Charges\nAnnual percentage rate\n(APR) on Purchases\n\n9.95 %\n\nto\n\n25.95 %, at the time of opening the account, based on your credit\n\nhistory.\n\nAnnual percentage rate\n(APR) on Balance Transfer\n\n9.95% to 25.95%, at the time of opening the account, based on your credit history.\n\nAnnual percentage rate\n(APR) in cash advances\n\n22.95% to 25.95%, at the time of opening the account, based on your credit history.\n29.99% APR\nIt applies to account balances, including new purchases, cash advances and transferred balances\nif the following condition occurs:\n\nPenalty APR and When it\nApplies\n\nPaying Interest\n\na. The minimum payment is not received for 2 consecutive billing periods.\nHow long will the penalty APR apply?\nIf your annual percentage rate increases for this reason the non-compliance rate will apply until you\nhave made at least six (6) consecutive minimum payments on or before its due date.\nYour due date is at least 27 to 32 days after the close of each billing cycle. You will not be charged\ninterest from the time you purchased goods or services, if you pay your full account balance by the\nPayment Due Date. In the event you don\xe2\x80\x99t pay the full account balance, while in the Grace Period,\nyou will not pay interest on the amount paid for that cycle. On subsequent cycles you will not have\na Grace Period until you pay your full account balance on time. Amounts related to certain offers\nwill not be taken into consideration in determining the Grace Period, please refer to the offer terms\nand conditions. Interest on cash advances, balance transfers to other institutions and convenience\nchecks will be imposed from the date that the transaction occurred and will continue to accrue until\npaid in full.\n\nFor Credit Card tips from\n\nFor information on factors to consider when ordering or using credit cards, visit the\n\nConsumer Financial\nProtection Bureau\n\nConsumer Financial Protection Bureau on its Website at:\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nAdditional Card Annual Fee\n\n$175 (Includes one additional card)\n$75 (After the second additional card)\n\nTransactions Fees\nCash Advance and Balance Transfers\n\nCash advances and/or transfer balance: 2% of the advance; minimum $2, maximum $10.\n\nForeign Transaction\n\nCurrency conversion: 2% of the transaction amount made in a foreign currency.\n\nPenalty Charges\nLate Payment\nReturned Payment\n\nUp to a maximum of $38\n$10\n\nHow We Will Calculate Your Balance: We use the daily balance method (including new transactions).\nLoss of Introductory APR: We may end your introductory APR and apply the Purchases Standard APR if you close your account or if\nyou miss a payment\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nBanco Santander Puerto Rico, Member FDIC. Lic. OCIF IB-17.\n\n\x0c'


b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDARCG3 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle. Finance charge begins to accrue on those purchases from the first day of the next billing cycle,\nunless you paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by the payment due date of that\nstatement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on\nthe billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances\nfrom the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to\nyour account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or\ncredits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This\ngives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together\nand divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Program Fee. If your account is subject to a Program Fee, a fee will be charged when you open an account as\ndescribed on the Disclosure accompanying this Agreement.\nd. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account\nas described on the Disclosure accompanying this Agreement.\ne. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional\ncard issued to you at account opening.\nDARCG3 (MXC503 CCM004)-e\n\n\x0cf. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit\ncard account.\ng. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nh. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ni. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nj. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\nk. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nl. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nm. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nn. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\no. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\np. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nq. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will\nbe charged to your account for each emergency replacement card that is issued to you.\nr. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account\nwhenever you request a new PIN number for your account.\ns. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\nt. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 3.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n\nDARCG3 (MXC503 CCM004)-e\n\n\x0c10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at P.O. Box 25636, Little Rock, AR 72221 or telephone (800) 682-6075 seven (7) days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you\nare grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n\nDARCG3 (MXC503 CCM004)-e\n\n\x0c17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nDARCG3 (MXC503 CCM004)-e\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount 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.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report 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 we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, 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 of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nDARCG3 (MXC503 CCM004)-e\n\n\x0c'


b'5/18/2016\n\nProvident Credit Union: Credit Cards (Visa): Rates\n\nFor best print results, click on the "Print" link under the on\xc2\xadscreen page headline (available on most\npages).\n\nRATES, FEES, AND TERMS\nShow Information For:\n\nCollege Visa\nTo see rates, terms, & fees for a different card, select it from the menu above.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n(Effective May 18, 2016)\n\n14.90% introductory APR on purchases during the first six (6)\nmonths on account opening.\n\n16.90%. This APR will\n\nThereafter, your APR for purchases will be\nvary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\n16.90% for six months.\nAfter that the APR will be 18.00%. This APR will vary with the\nmarket based on the Prime Rate.\n\nAPR for Cash Advances\n\n18.00%. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and when it applies\n\n18.00% APR. This APR may be applied to your account if your\naccount is past due by two minimum payments.\nHow long will the Penalty APR apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the Web site of the Consumer Financial Protection\nBureau.\n\nhttp://providentcu.org/index.asp?i=visaRates&search=card=college&rewards=true\n\n1/1\n\n\x0c'