b'ScotiaLine\n(Unsecured)\nScotiaLine is a line of credit of Scotiabank de Puerto Rico.\n1)\n\nDefinitions \xe2\x80\x94 The following words, when used in this agreement with an uppercase initial, shall have the meanings set forth below:\na)\n\n\xe2\x80\x9cYou\xe2\x80\x9d means the person applying for this agreement;\n\nb)\n\n\xe2\x80\x9cAuthorized Person\xe2\x80\x9d means any person whom You authorize to access your ScotiaLine account, as established further on in Section 5);\n\nc)\n\n\xe2\x80\x9cWe\xe2\x80\x9d means Scotiabank de Puerto Rico;\n\nd)\n\n\xe2\x80\x9cLine of Credit\xe2\x80\x9d means the funds You and the Authorized Persons may access through the use of Checks or through your deposit account\n(if apply);\n\ne)\n\n\xe2\x80\x9cCheck\xe2\x80\x9d means the instruments that We shall provide so that You and the Authorized Persons may access your ScotiaLine account;\n\nf)\n\n\xe2\x80\x9cScotiaLine\xe2\x80\x9d means the product object of this agreement, which is a Line of Credit;\n\ng)\n\n\xe2\x80\x9cBalance due\xe2\x80\x9d means any balance which payment has been required in a previous statement and has not been paid.\n\n2)\n\nAgreement \xe2\x80\x94 Your ScotiaLine account shall be subject to the terms, clauses and conditions set forth in this agreement and as amended from\ntime to time. The fact that You or the co-borrower utilizes any service of this ScotiaLine account shall constitute Your and your co-borrower\xe2\x80\x99s\nacceptance of this agreement.\n\n3)\n\nAgreement Cancellation\na)\n\nCancellation by You: You may cancel this agreement within the first 15 days after receipt of this agreement if You notify Us of the\ncancellation in writing, neither You nor any Authorized Person have used a ScotiaLine service, and You return to Us all Checks.\nAfterwards, You may cancel this agreement at any moment if:\ni)\n\nYou notify Us of the cancellation in writing, to the address included in paragraph 27)b) of this Agreement.\n\nii)\n\nNeither You nor any Authorized Person uses a ScotiaLine service again, and\n\niii)\n\nYou return to Us all Checks.\n\nAfter cancellation, You may continue paying the balance due Us, as per the terms of this agreement.\nb)\n\nCancellation by Us. We shall have the right to cancel this agreement at any moment if We notify You in writing. In that case neither You\nnor any Authorized Person may continue using ScotiaLine services, and You shall be bound to return to Us all Checks.\n\nAfter the cancellation, You may continue paying the balance due Us, as per the terms of this agreement, unless the cancellation entails the\nimmediate payment of the sum total of the balance due, as set forth further on in Section 25).\n4)\n\nUse of ScotiaLine\na)\n\nYou and the Authorized Persons may use ScotiaLine only for personal purposes, but not for business purposes\n\nb)\n\nThe Line of Credit shall be of a revolving nature; i.e., that the amounts You pay may be borrowed again, up to the credit limit We set forth\nas per Section 8).\n\nc)\n\nYou and the Authorized Persons may use the Checks to access the Line of Credit and thus: (i) acquire goods and services from those\nmerchants who accept the Checks (whom You and the Authorized Persons authorize Us to pay the corresponding amount), and (ii) to\nreceive cash advances from Us.\n\nWe shall not be able to certify Checks.\n\nPage 1\n\nScotiaLine \xe2\x80\x93 Unsecured\nAgreement Rev. 9-19\n\n\x0c5)\n\nAuthorized Persons \xe2\x80\x94 You may designate Authorized Persons with the right to use the services of your ScotiaLine account.\n\n6)\n\nObligation to Pay \xe2\x80\x94 You shall owe Us the amounts charged to your ScotiaLine account for (i) purchases of goods or services, (ii) cash\nadvances, (iii) Finance Charges, and (iv) other applicable fees, all in legal tender of the United States of America, and shall be responsible to\npay Us said amounts when You receive the statement of account described in Section 15).\n\n7)\n\nCollateral \xe2\x80\x94 The Collateral guarantees the faithful service on Your behalf of all debts and other obligations under this agreement. We may\ngrant extensions, take and accept additional or substitute securities, assign and pledge the Collateral, accept transactions and settlements,\ngrant releases and discharges, and deal in any other way that We deem advisable in relation to the Collateral, without prejudice to our rights\nagainst You. We shall not be forced to foreclose the Collateral or otherwise exhaust our remedies regarding the same, before collecting on the\ndebt and other obligations incurred on your behalf under this agreement. On the contrary, We may opt to use any remedy within our purview\nto collect on said debts and obtain compliance for said obligations, without prejudice to our later execution against the Collateral.\n\n8)\n\nCredit Limit \xe2\x80\x93\na)\n\nb)\n\nc)\n\n9)\n\nAt the bottom of page five (5) is indicated the credit limit We have approved for your ScotiaLine account. The total You owe Us shall not\nexceed the credit limit approved. We shall have the right (at our option) to do the following in case the credit limit is exceeded:\ni)\n\nCancel this Agreement and require to You immediate payment of any amount in excess of the limit, or\n\nii)\n\ndemand from You the immediate payment of any amount owed Us in excess of the credit limit, without granting either party the\nright to exceed said limit in the future; or\n\niii)\n\nnot demand payment of the over limit, without granting either party the right to exceed said limit in the future.\n\nWe may reduce your credit limit, and We may also provisionally suspend access to your ScotiaLine account, in any of the following\ninstances:\ni)\n\nif We reasonably believe that You may not be able to meet your payment obligations as per this agreement due to a material change\nin your financial situation;\n\nii)\n\nif You fail to fulfill a material obligation in this agreement;\n\niii)\n\nif the actions of a government agency forbid Us from levying upon You the Annual Percentage Rate set forth in this agreement;\n\niv)\n\nif one of our regulatory agencies notifies Us that to continue granting credit under this agreement constitutes a dangerous and\nunsafe practice.\n\nThe Bank is not responsible if a Purchase or Cash Advance on your Account is not approved either by the Bank or by a third party, even if\nyou have sufficient credit available. The Bank may limit the number of Purchases or Cash Advances that may be approved in one day. If\nthe Bank detects unusual activity in your Account, it may temporarily suspend your credit privileges until it can verify that the transaction\nis legitimate.\n\nReturn of Checks \xe2\x80\x94 Checks are our property and We may, at any time, request their return in case You or Us decide to cancel this agreement,\nor in case We decide to exchange them for others. In those cases You are responsible to return to Us the Checks.\n\n10) Finance Charge \xe2\x80\x94 Your ScotiaLine account shall accrue a Finance Charge. We shall determine the Finance Charge by multiplying the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d due during the billing period that We set forth as per Section 15), for the Periodic Rate. The Statement of Charges and Fees\nindicates the initial Periodic Rate and its corresponding Annual Percentage Rate. The Periodic Rate and the corresponding Annual Percentage\nRate may fluctuate as set forth in Section 12).\n11) Grace Period \xe2\x80\x93 Purchase of goods and services. In the case of purchases of goods and services We shall levy a Finance Charge from the date\nWe pay the vendor of the goods or service provider. There shall be no grace period during which You may settle the balance without incurring\na Finance Charge.\n12) Variable Interest \xe2\x80\x94 The interest rate We shall use to calculate the Periodic Rate and the corresponding Average Daily Balance may fluctuate\nthe first day of each billing period, and shall be effective for that billing period. The applicable interest rate shall be equal to the prevailing\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d on the first day of the billing period, plus the number of percentage points set as a margin in the Statement of Charges and Fees.\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d shall be the base rate for commercial loans announced by no less than 75% of the 30 largest banks in the United States, as\npublished in The Wall Street Journal newspaper under that name (\xe2\x80\x9cPrime Rate\xe2\x80\x9d). We shall inform You of the resulting Periodic Rate and the\ncorresponding Annual Percentage Rate in your account statements. The Annual Percentage Rate may change monthly.\n13) Special Rate for applicants covered by the Military Lending Act (MLA) \xe2\x80\x93 Those applicants who, at the time of applying for an applicable credit\nproduct, are identified as an active member of the Armed Forces or a covered dependent, as established by the Military Lending Act (MLA),\nwill be granted a special annual percentage rate (APR) of 6.00%. This special rate will be considered as part of the military annual percentage\nPage 2\n\nScotiaLine \xe2\x80\x93 Unsecured\nAgreement Rev. 9-19\n\n\x0crate (MAPR), which, as established by the Military Lending Act, will not exceed a 36.00% (MAPR). This special rate will be provided to the\ncustomer and covered dependents for as long as he/she remains in active military service. Once the member of the Armed Forces ceases to be\nin active military service, the special rate granted will be changed to the current applicable Annual Percentage Rate (APR).\n14) Average Daily Balance \xe2\x80\x94 We shall calculate the Finance Charge using the method known as \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d which We shall obtain by\nadding the balances due at the end of each day of the billing period, and dividing the product into the number of days within said period. We\nshall determine the balances due at the end of each day by adding: (i) the previous day\xe2\x80\x99s Final Balance, (ii) purchases of goods and services,\nand (iii) cash advances; and subtracting payments and other credits paid during the day. We shall add and subtract these items before\ncomputing the Finance Charge.\n15) Account Statement \xe2\x80\x94 We shall divide the calendar year into 12 billing periods of approximately 30 days each. We shall mail You an account\nstatement for each billing period in which You owe a balance. In each statement We shall indicate, among other things: (i) the Previous\nBalance, (ii) an itemization of payments and credits, debits, purchases of goods and services, and cash advances that took place during said\nperiod, (iii) the Finance Charge, (iv) the Periodic Rate, (v) the Annual Percentage Rate, (vi) the balance on which the Finance Charge was based,\n(vii) the New Balance, (viii) the Minimum Payment, (ix) the date in which the Minimum Payment is due, (x) the account closing date, (xi) the\nnotice of billing errors and other required notices.\n16) Minimum payment - You may pay the total amount or part of the new balance that appears on your monthly statement, but must pay at least\nthe minimum payment monthly, calculated as follows: 3% of the new balance, plus any balance due or amount in excess of the approved limit,\nor $25, whichever is greater.\nUnder certain circumstances the Minimum Payments could not cover the finance charges and negative amortization may occur, for which the\namount owed may increase.\n17) Application of payments \xe2\x80\x93 The Bank will credit the payment the same day is received when it is made: (a) in cash or in check through one of\nthe Bank branch offices, prior to the closing time; (b) electronically before 5:00 p.m. from Monday to Saturday; or (c) by mail together with\nthe payment coupon to the address listed on the account statement of the customer, as long as the payment is received before 5:00 p.m.\nfrom Monday through Friday.\n18) Credit line availability \xe2\x80\x93 If the payment is not made in cash the Bank will defer the availability of funds equivalent to the amount of the\npayment, for a period of up to five (5) business days. This means that although your payment will be credited, your available balance will not\nreflect the payment amount until the five days period has elapsed. This will not entail additional charges to your account for Interest Charges.\n19) Late Charge \xe2\x80\x94 If We do not receive at least the required total minimum payment the date We set in the monthly account statement, We may\ncharge the ScotiaLine account a late payment fee in the amount of $25. Any subsequent violations that occur after the first offense, over the\nnext six months, may be subject to a $30 late payment fee. After the six-month period has elapsed, the next late payment violation will be\nsubject to a $25 fee and another six-month period will commence where late payment violations may be subject to a $30 fee, and so on. We\nshall only levy the late charge once per each minimum payment not paid on time.\n20) Returned Check Charge \xe2\x80\x94 For each Check You send Us, which is returned to Us without payment, We shall charge your ScotiaLine account the\nreturned check charge set forth in the Statement of Charges and Fees.\n21) One Fee for Violations Resulting From Single Event or Transaction \xe2\x80\x93 We will not impose more than one penalty fee for violating the terms of\nyour account based on a single event or transaction. For example, if your payment is returned after the date it was due as shown on your\nbilling statement as a result of a returned check or other reason, we will impose a late payment fee or a returned check fee but not both of\nthem because the fees have resulted from the same event or transaction.\n22) Foreign Transaction Fee \xe2\x80\x94 For each transaction in a foreign currency, a 1% transaction fee of the amount in USD will apply, and is additional\nto any other applicable fee.\n23) Other charges \xe2\x80\x93 Any other charges you are required to pay as per the Statement of Charges and fess included herein will be itemized in your\nmonthly statement.\n24) Checks\na)\n\nWe may refuse to pay a Check after six months from its issue date. Payment by Us of one or more Checks after said period has elapsed\nshall not oblige Us to pay other Checks presented outside the term.\n\nb)\n\nYou may stop payment of a Check. We shall not be liable if We pay a Check in any of the following cases:\n\nPage 3\n\ni)\n\nif We receive the stop pay order after the Check has been charged to your account;\n\nii)\n\nif You do not notify Us of the stop pay order in writing, in the form that We furnish You for this purpose;\n\nScotiaLine \xe2\x80\x93 Unsecured\nAgreement Rev. 9-19\n\n\x0ciii)\n\nif the stop pay order is not signed by the person that signed the Check;\n\niv)\n\nif the person receiving the payment in fact has a right to receive it, or would have had the right to recover from You if We had not\npaid the Check;\n\nv)\n\nif You do not exercise any right You might have to recover the funds, be it against the person receiving the payment or against any\nother person;\n\nvi)\n\nif You are otherwise constrained from placing the stop pay order or from placing a claim against Us.\n\nc)\n\nThe duration of a stop pay order shall be six months from the Check issue date, unless You cancelled it previously in writing, using the\nform that We provide to You for that purpose.\n\nd)\n\nFor each stop pay order We may impose the charge set forth in the Statement of Charges and Fees, and charge it to your ScotiaLine\naccount.\n\ne)\n\nIf We reimburse You for the amount of a Check that was paid inappropriately, We shall acquire all of your rights to collect from the\nperson receiving the payment, and from any other liable person.\n\n25) Immediate Payment of the Totality of the Balance Owed \xe2\x80\x94 We may demand the immediate payment of any amount that You owe Us under\nthis agreement, if You do not comply with the terms set forth in this agreement.\n26) Amendments to this Agreement \xe2\x80\x94 We may amend the terms and conditions of this agreement in writing at any time by giving written notice\nto You prior to the effective date of the amendment as required by applicable regulation. We shall also notify You of any changes to the\nFinance Charge, Periodic Rate, Annual Percentage Rate and other applicable charges.\na)\n\nIf You disagree with the amendments or changes notified You shall do the following within the next billing cycle:\ni)\n\nYou notify Us of the cancellation in writing, prior to the date the changes become effective to the address provided in paragraph\n27)b), and\n\nii)\n\nyou return to Us all Checks.\n\nYou may continue paying the balance due to Us, as per the terms of this agreement while there is an unpaid balance but neither You or\nany Authorized Persons shall continue using the ScotiaLine.\nb)\n\nIt will be understood that you have agreed and accepted the notified amendment or charge if You or any Authorized Person use or\nbenefit from any of the services available through the use of the ScotiaLine during the following billing cycle.\n\n27) Billing Rights (Error Resolution):\nWhat to do if you think you find a mistake on your statement?\nIf you think there is an error on your statement, you can call us to 787-766-4999 or 1-877-766-4999 or write to us at:\nScotiabank de Puerto Rico\nPO Box 362230\nSan Juan, PR 00936-2230\nYou may also contact us on the Web: www.scotiabankpr.com\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error\n\xe2\x80\xa2 Description of error: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake\nYou must contact us within 60 days after the error appeared on your statement.\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 investigate any\npotential errors and you may have to pay the amount in question.\nWhile we investigate whether or not there has been an error, the following are true:\na)\nPage 4\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount\nScotiaLine \xe2\x80\x93 Unsecured\nAgreement Rev. 9-19\n\n\x0cb)\nc)\nd)\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine\nthat we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nScotiabank de Puerto Rico\nPO Box 362230\nSan Juan, PR 00936-2230\nYou may also contact us on the Web: www.scotiabankpr.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above you owe an amount and you do not pay we may report\nyou as delinquent.\n27) Miscellaneous Provisions\na)\n\nCredit References. You authorize Us to investigate your credit references. We reserve the right to issue or not to issue Checks, and to\ncontinue or to cancel this agreement, pursuant to our best credit policy.\n\nb)\n\nNotifications. We shall mail You all communications to the most recent address You have provided Us and which is recorded in our files.\nYou must notify Us in writing of any change in your mailing address. You must send any correspondence addressed to Us to the address:\nScotiabank of Puerto Rico, PO Box 362230, San Juan, PR 00936-2230. You may also contact us on the Web: www.scotiabankpr.com\n\nc)\n\nNon-Waiver of Rights. Our failure to exercise any right under this agreement or under applicable law shall not constitute a waiver of said\nright.\n\nd)\n\nNull Clauses. The fact that any clause in this agreement, or a part of it, may have been declared null by a court or government agency, or\nshould be left without effect by a legal or regulatory decree, shall not affect the remaining provisions in this contract, which shall remain\nin force.\n\ne)\n\nTotality of the Agreement. This agreement and the Statement of Charges and Fees include the totality of the agreements between You\nand Us regarding your ScotiaLine account.\n\nf)\n\nApplicable Law. This agreement shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico and of the United\nStates of America.\n\nI accept the Terms and Conditions of this Agreement.\n\nAccount Number:\n\nInitial Annual Percentage Rate:\n\nCredit Limit:\n\nInitial Daily Periodic Rate:\n\nBorrower\xe2\x80\x99s Name:\n\nBorrower\xe2\x80\x99s Signature:\n\nCo-borrower\xe2\x80\x99s Name:\n\nCo-borrower\xe2\x80\x99s Signature:\n\nCollateral Description (if\napply)\n\nDate:\n\n10.45%\n0.02863%\n\n\xc2\xae Registered Trademark of the Bank of Nova Scotia. Member FDIC. OCIF Lic. 22\n\nPage 5\n\nScotiaLine \xe2\x80\x93 Unsecured\nAgreement Rev. 9-19\n\n\x0cDisclosure of Rates and Fees for ScotiaLine\nInterest Rates and Fees\nLine of Credit\n\nScotiaLine Unsecured\n\nAnnual Percentage Rate (APR) for\nPurchases, Cash Advances and\nBalance Transfers\n\nInformation Regarding Your Annual\nPercentage Rate (APR)\n\nPrime Rate + 5.45%\nThe Annual Percentage Rate (APR) is variable and is based on the value of an index, known as the Prime Rate, plus a\nmargin. This index is the base rate for commercial loans announced by no less than 75% of the 30 largest banks in\nthe United States, as published in The Wall Street Journal. To this \xe2\x80\x9cPrime Rate\xe2\x80\x9d we will add a margin of 5.45% for\nScotiaLine unsecured. Those applicants who, at the time of application are identified as active members of the\nArmed Forces as established by the Military Lending Act (MLA) or a covered dependent, will be granted a 6.00%\nannual percentage rate (APR), for as long as he/she remains on active duty. Once the member of the Armed Forces\nceases to be in active military service, the special rate granted will be changed to the current applicable Annual\nPercentage Rate (APR).\n\n1.99% Introductory APR\nIntroductory Annual Percentage Rate\n(APR) for Balance Transfers\n\nPaying Interest\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n\nOnly for new accounts\nIntroductory APR for balance transfers will available from June 1 to October 31, 2019. This special rate will be in\neffect for a 6 month period from the date the balance transfer is made. After this date, the applicable standard APR\nwill be in effect, as identified under Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance\nTransfers. For the introductory APR to apply, the transaction needs to be conducted at a Scotiabank de Puerto Rico\nBranch.\nYour due date is at least 25 days after the close of each billing cycle. Finance charges for purchases, cash advances\nand balance transfers will be calculated from the transaction date until the balance paid in full.\nTo learn more about factors to consider\nhttp://www.consumerfinance.gov/learnmore/.\n\napplying\n\nfor\n\nor\n\nusing\n\na\n\ncredit\n\ncard,\n\nvisit\n\n$0\n\nCash Advances and Balance Transfers\nForeign Transaction\n(Currency Exchange)\n\nwhen\n\n$0\nA 1% transaction fee of the amount in USD will apply to each foreign currency transaction, in addition\nto any other applicable fee.\n\nReturned Payment\n\n$10\n\nLate Payment\n\nUp to $30\n\nStop Payment\n\n$15\n\nHow We Will Calculate Your Balance: We use the average daily balance method, including purchases and new transactions. Please refer\nto your agreement for details.\nBilling rights: Your agreement includes information related to your rights to dispute transactions and how to exercise these rights.\nFor more information please call our Contact Center at 787-766-4999 or 1-877-766-4999. You may also write to us at PO Box 362230, San\nJuan Puerto Rico 00936-2230.\n\nBorrower\xe2\x80\x99s Name: ___________________________________________________\nBorrower\xe2\x80\x99s Signature: _____________________________________________________ Date: ___________________\nCo-Borrower\xe2\x80\x99s Name: ________________________________________________\nCo-Borrower\xe2\x80\x99s Signature: __________________________________________________ Date: ___________________\n\n\xc2\xae Registered Trademark of the Bank of Nova Scotia. Member FDIC. OCIF Lic. 22\nPage 6\n\nScotiaLine \xe2\x80\x93\nUnsecured Agreement\nRev. 9-19\n\n\x0c'


b'ScotiaLine\n(Sin Garant\xc3\xada)\nScotiaLine es una l\xc3\xadnea de cr\xc3\xa9dito de Scotiabank de Puerto Rico.\n1)\n\nDefiniciones \xe2\x80\x94 Las siguientes palabras, cuando se usen en este contrato con letra may\xc3\xbascula inicial, tendr\xc3\xa1n los significados que se establecen\na continuaci\xc3\xb3n:\na) \xe2\x80\x9cUsted\xe2\x80\x9d significa la persona que solicita o acepta este contrato;\nb)\n\n\xe2\x80\x9cPersona Autorizada\xe2\x80\x9d significa cualquier persona a quien Usted autorice a acceder su cuenta ScotiaLine, seg\xc3\xban se establece m\xc3\xa1s adelante\nen la secci\xc3\xb3n 5);\n\nc)\n\n\xe2\x80\x9cNosotros\xe2\x80\x9d significa Scotiabank de Puerto Rico;\n\nd)\n\n\xe2\x80\x9cL\xc3\xadnea de Cr\xc3\xa9dito\xe2\x80\x9d significa el dinero que Usted y las Personas Autorizadas podr\xc3\xa1n acceder mediante el uso de Cheques de ScotiaLine o a\ntrav\xc3\xa9s de su cuenta de dep\xc3\xb3sito, (si aplica);\n\ne)\n\n\xe2\x80\x9cCheque\xe2\x80\x9d significa los instrumentos que proveeremos para que Usted y las Personas Autorizadas accedan su cuenta ScotiaLine;\n\nf)\n\n\xe2\x80\x9cScotiaLine\xe2\x80\x9d significa el producto objeto de este contrato, que es una la L\xc3\xadnea de Cr\xc3\xa9dito;\n\ng)\n\n\xe2\x80\x9cBalance Vencido\xe2\x80\x9d significa cualquier balance cuyo pago haya sido requerido en un estado de cuenta anterior y no haya sido pagado.\n\n2)\n\nContrato \xe2\x80\x94 Su cuenta ScotiaLine se regir\xc3\xa1 por los t\xc3\xa9rminos, cl\xc3\xa1usulas y condiciones que se establecen en este contrato, seg\xc3\xban sea \xc3\xa9ste\nenmendado de tiempo en tiempo. El que Usted utilice cualquier servicio de ScotiaLine equivaldr\xc3\xa1 a que Usted acepta este contrato.\n\n3)\n\nCancelaci\xc3\xb3n del contrato\na) Cancelaci\xc3\xb3n por Usted. Usted tendr\xc3\xa1 derecho a cancelar este contrato si as\xc3\xad nos lo notifica por escrito dentro de 15 d\xc3\xadas de su recibo, si\ntodav\xc3\xada ni Usted ni una Persona Autorizada han utilizado un servicio de ScotiaLine, y Usted nos devuelve todos los Cheques.\nPosteriormente Usted podr\xc3\xa1 cancelar este contrato en cualquier momento si:\ni)\n\nnos notifica la cancelaci\xc3\xb3n por escrito envi\xc3\xa1ndola a la direcci\xc3\xb3n detallada en la secci\xc3\xb3n 27)b) de este acuerdo.\n\nii)\n\nni Usted ni ninguna Persona Autorizada vuelve a usar un servicio de ScotiaLine, y\n\niii)\n\nUsted nos devuelve todos los Cheques.\n\nDespu\xc3\xa9s de la cancelaci\xc3\xb3n, Usted podr\xc3\xa1 seguir pagando el balance que nos adeude, conforme a los t\xc3\xa9rminos de este contrato.\nb)\n\nCancelaci\xc3\xb3n por Nosotros. Nosotros tendremos derecho a cancelar este contrato en cualquier momento si se lo notificamos por escrito.\nEn ese caso ni Usted ni ninguna Persona Autorizada podr\xc3\xa1 seguir usando los servicios de ScotiaLine, y Usted vendr\xc3\xa1 obligado a\ndevolvernos todos los Cheques.\n\nDespu\xc3\xa9s de la cancelaci\xc3\xb3n, Usted podr\xc3\xa1 seguir pagando el balance que nos adeude, conforme a los t\xc3\xa9rminos de este contrato, a menos que la\ncancelaci\xc3\xb3n conlleve el pago inmediato de la totalidad del balance adeudado, seg\xc3\xban se establece m\xc3\xa1s adelante en la secci\xc3\xb3n 25).\n4)\n\nUso de ScotiaLine\na) Usted y las Personas Autorizadas podr\xc3\xa1n usar ScotiaLine solamente para fines personales y familiares, pero no para prop\xc3\xb3sitos de\nnegocios.\nb)\n\nLa L\xc3\xadnea de Cr\xc3\xa9dito ser\xc3\xa1 de naturaleza rotativa; o sea, que se podr\xc3\xa1n volver a tomar prestadas las sumas que pague, hasta el l\xc3\xadmite de\ncr\xc3\xa9dito que establezcamos a tenor con la secci\xc3\xb3n 8).\n\nc)\n\nUsted y las Personas Autorizadas podr\xc3\xa1n usar los Cheques para acceder la L\xc3\xadnea de Cr\xc3\xa9dito, y de esa forma: (i) adquirir mercanc\xc3\xada y\nservicios de aquellos comerciantes que acepten los Cheques (a quienes Usted y las Personas Autorizadas nos autorizan pagar el importe\ncorrespondiente), y (ii) para recibir de Nosotros adelantos de efectivo.\nNo podremos certificar Cheques.\n\n5)\n\nPersonas Autorizadas \xe2\x80\x94 Usted podr\xc3\xa1 designar Personas Autorizadas con facultad para utilizar los servicios de su cuenta ScotiaLine.\n\n6)\n\nObligaci\xc3\xb3n de pagar \xe2\x80\x94 Usted nos adeudar\xc3\xa1 las sumas cargadas a su cuenta ScotiaLine por (i) compras de mercanc\xc3\xada o servicios, (ii) Cargos por\nFinanciamiento y (iii) otros cargos aplicables, todo en moneda del curso legal de los Estados Unidos de Am\xc3\xa9rica, y vendr\xc3\xa1n obligados a\npagarnos las mismas cuando reciban el estado de cuenta objeto de la secci\xc3\xb3n 15).\n\n7)\n\nGarant\xc3\xada colateral \xe2\x80\x94 La garant\xc3\xada colateral (si alguna) que se describe al final de este contrato garantiza el fiel cumplimiento por parte de Usted\nde todas las deudas y otras obligaciones bajo este contrato. Podremos conceder pr\xc3\xb3rrogas, tomar y aceptar garant\xc3\xadas adicionales o sustitutas,\n\nP\xc3\xa1gina 1\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0cceder y pignorar dicha colateral, aceptar transacciones y arreglos, conceder relevos y descargos, y negociar en cualquier otra forma en que\ncreamos aconsejable con relaci\xc3\xb3n a dicha colateral, sin que tales actuaciones perjudiquen nuestros derechos contra Usted. Nosotros no\nestaremos obligados a proceder contra la colateral, o de otra forma agotar nuestros remedios respecto a ella, antes de cobrar la deuda y otras\nobligaciones incurridas bajo este contrato por Usted. Por el contrario, Nosotros podremos optar por utilizar cualquier remedio que tengamos\na nuestro alcance para cobrar dichas deudas y hacer cumplir dichas obligaciones, sin perjuicio de luego proceder contra la colateral.\n8)\n\nL\xc3\xadmite de cr\xc3\xa9dito \xe2\x80\x94\na) En la parte inferior de la p\xc3\xa1gina cinco (5) se indica el l\xc3\xadmite de cr\xc3\xa9dito que hemos aprobado para su cuenta ScotiaLine. El total que Usted\nnos adeude no podr\xc3\xa1 exceder del l\xc3\xadmite de cr\xc3\xa9dito aprobado. Tendremos derecho (a nuestra opci\xc3\xb3n) a hacer lo siguiente en caso que se\nexceda el l\xc3\xadmite de cr\xc3\xa9dito:\ni) Cancelar este contrato y requerirle a Usted el pago inmediato de cualquier cantidad en exceso del limite, o\n\nb)\n\nc)\n\n9)\n\nii)\n\nexigir de Usted el pago inmediato toda suma que nos adeuden en exceso del l\xc3\xadmite de cr\xc3\xa9dito, sin que esto les d\xc3\xa9 derecho a\nexcederse de dicho l\xc3\xadmite en el futuro; o\n\niii)\n\nno exigirles pago del exceso, sin que esto les d\xc3\xa9 derecho a excederse de dicho l\xc3\xadmite en el futuro.\n\nPodremos reducir su l\xc3\xadmite de cr\xc3\xa9dito, y podremos tambi\xc3\xa9n suspender provisionalmente el acceso a su cuenta ScotiaLine, en cualquiera\nde los siguientes casos:\ni) si razonablemente creemos que Usted no podr\xc3\xa1 cumplir con sus obligaciones de pago a tenor con este contrato debido a un cambio\nmaterial en su situaci\xc3\xb3n econ\xc3\xb3mica;\nii)\n\nsi Usted incumple con una obligaci\xc3\xb3n sustancial de este contrato;\n\niii)\n\nsi una actuaci\xc3\xb3n de una agencia de gobierno nos proh\xc3\xadbe imponerle la Tasa de Porcentaje Anual que se establece en este contrato;\n\niv)\n\nsi una de nuestras agencias reguladoras nos notifica que continuar concediendo cr\xc3\xa9dito bajo este contrato constituye una pr\xc3\xa1ctica\npeligrosa e insegura.\n\nEl Banco no ser\xc3\xa1 responsable si una compra o adelanto en efectivo no es aprobado por el Banco o un tercero, aun en el caso de que\nusted tenga cr\xc3\xa9dito disponible. El Banco puede limitar el n\xc3\xbamero de compras o adelantos de efectivo aprobados durante un d\xc3\xada. Si el\nBanco detecta actividad poco usual en su cuenta, podr\xc3\xa1 suspender temporalmente su cr\xc3\xa9dito hasta tanto se verifique la legitimidad de la\ntransacci\xc3\xb3n.\n\nDevoluci\xc3\xb3n Cheques \xe2\x80\x94 Los Cheques son propiedad del Banco, y podremos en cualquier momento exigir su devoluci\xc3\xb3n en caso que Usted o\nNosotros decidamos cancelar este contrato. En esos casos Usted se obliga a devolvernos los Cheques.\n\n10) Cargo por Financiamiento \xe2\x80\x94 Su cuenta ScotiaLine devengar\xc3\xa1 un Cargo por Financiamiento. Determinaremos el Cargo por Financiamiento\nmultiplicando el \xe2\x80\x9cBalance Promedio Diario\xe2\x80\x9d pendiente de pago durante el per\xc3\xadodo de facturaci\xc3\xb3n que establezcamos a tenor con la\nsecci\xc3\xb3n 15), por la Tasa Peri\xc3\xb3dica. La Tasa Peri\xc3\xb3dica inicial y su Tasa de Porcentaje Anual correspondiente est\xc3\xa1n divulgadas al final del\ncontrato. La Tasa Peri\xc3\xb3dica y la Tasa de Porcentaje Anual correspondiente podr\xc3\xa1n fluctuar seg\xc3\xban se establece en la secci\xc3\xb3n 12).\n11) Per\xc3\xadodo de gracia \xe2\x80\x94Compras de mercanc\xc3\xada y servicios. En el caso de compras de mercanc\xc3\xada y servicios impondremos un Cargo por\nFinanciamiento a partir de la fecha en que paguemos al vendedor de la mercanc\xc3\xada o proveedor del servicio. No existir\xc3\xa1 un periodo de gracia\ndurante el cual Usted podr\xc3\xa1 saldar el balance sin incurrir en un Cargo por Financiamiento.\n12) Intereses variables \xe2\x80\x94 La tasa de inter\xc3\xa9s que utilizaremos para computar la Tasa Peri\xc3\xb3dica y la Tasa de Porcentaje Anual correspondiente\npodr\xc3\xa1 cambiar el primer d\xc3\xada de cada per\xc3\xadodo de facturaci\xc3\xb3n, y ser\xc3\xa1 efectiva para ese per\xc3\xadodo de facturaci\xc3\xb3n siguiente. La tasa de inter\xc3\xa9s\naplicable ser\xc3\xa1 igual al \xe2\x80\x9cPrime Rate\xe2\x80\x9d vigente el primer d\xc3\xada del per\xc3\xadodo de facturaci\xc3\xb3n, m\xc3\xa1s el n\xc3\xbamero de puntos porcentuales que se establece\ncomo margen en la Declaraci\xc3\xb3n de Cargos. \xe2\x80\x9cPrime Rate\xe2\x80\x9d ser\xc3\xa1 la tasa base para pr\xc3\xa9stamos comerciales anunciada por no menos del 75% de los\n30 bancos m\xc3\xa1s grandes en los Estados Unidos, seg\xc3\xban publicada en el peri\xc3\xb3dico The Wall Street Journal bajo ese nombre (\xe2\x80\x9cPrime Rate\xe2\x80\x9d). En sus\nestados de cuenta le informaremos la Tasa Peri\xc3\xb3dica resultante y la Tasa de Porcentaje Anual correspondiente. La Tasa de Porcentaje Anual\npodr\xc3\xa1 cambiar cada mes.\n13) Tasa especial para solicitantes cubiertos por la Ley de Prestamos a Militares (MLA) - Aquel solicitante que al momento de solicitar para el\nproducto de cr\xc3\xa9dito aplicable sea identificado como un militar activo o dependiente cubierto, seg\xc3\xban establecido por la Ley de Pr\xc3\xa9stamos a\nMilitares (MLA), tendr\xc3\xa1 el beneficio de obtener una tasa de porcentaje anual (APR) especial de 6.00%. Esta tasa estar\xc3\xa1 considerada como\nparte de la tasa de porcentaje anual militar (MAPR), que seg\xc3\xban requerido por la Ley de Pr\xc3\xa9stamos a Militares no exceder\xc3\xa1 un 36.00% (MAPR).\nEsta tasa especial estar\xc3\xa1 vigente siempre y cuando el militar permanezca en el servicio activo. Una vez el militar culmine el servicio activo se le\naplicara la tasa de inter\xc3\xa9s anual (APR) prevaleciente.\n14) Balance Promedio Diario \xe2\x80\x94 Computaremos el Cargo por Financiamiento utilizando el m\xc3\xa9todo conocido como \xe2\x80\x9cBalance Promedio Diario\xe2\x80\x9d, el\ncual obtendremos sumando los balances adeudados al final de cada d\xc3\xada del per\xc3\xadodo de facturaci\xc3\xb3n, y dividiendo el resultado entre el n\xc3\xbamero\nde d\xc3\xadas comprendidos en dicho per\xc3\xadodo. Determinaremos los balances adeudados al final de cada d\xc3\xada sumando: (i) el Balance Final del d\xc3\xada\nanterior, (ii) las compras de mercanc\xc3\xada y servicios, y (iii) los adelantos de efectivo; y restando los pagos y otros cr\xc3\xa9ditos abonados durante el\nd\xc3\xada. Efectuaremos la suma y resta de estas partidas antes de computar el Cargo por Financiamiento.\n\nP\xc3\xa1gina 2\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0c15) Estado de cuenta \xe2\x80\x94 Dividiremos el a\xc3\xb1o natural en 12 per\xc3\xadodos de facturaci\xc3\xb3n de aproximadamente 30 d\xc3\xadas cada uno. Le enviaremos por\ncorreo un estado de cuenta para cada per\xc3\xadodo de facturaci\xc3\xb3n para el que Usted adeude un balance. En cada estado indicaremos, entre otras\ncosas: (i) Balance Anterior, (ii) una identificaci\xc3\xb3n de pagos y cr\xc3\xa9ditos, d\xc3\xa9bitos, compras de mercanc\xc3\xada y servicios efectuados durante el per\xc3\xadodo\nen cuesti\xc3\xb3n, (iii) Cargo por Financiamiento, (iv) Tasa Peri\xc3\xb3dica, (v) Tasa de Porcentaje Anual, (vi) balance sobre el cual se comput\xc3\xb3 el Cargo por\nFinanciamiento, (vii) Balance Nuevo, (viii) Pago M\xc3\xadnimo, (ix) fecha en que vencer\xc3\xa1 el Pago M\xc3\xadnimo, (x) fecha de cierre del estado y (xi) sus\nderechos de reclamaci\xc3\xb3n por errores en facturaci\xc3\xb3n.\n16) Pago m\xc3\xadnimo \xe2\x80\x94 Usted podr\xc3\xa1 pagar la cantidad total o una parte del nuevo balance que aparece en su estado de cuenta mensual, pero debe\npagar por lo menos el pago m\xc3\xadnimo mensual, calculado como sigue: 3% del nuevo balance, m\xc3\xa1s cualquier balance vencido y/o cantidad sobre\nel l\xc3\xadmite aprobado, o $25, lo que sea mayor.\n17) Aplicaci\xc3\xb3n de pagos \xe2\x80\x94 El Banco acreditar\xc3\xa1 el pago el mismo d\xc3\xada en que sea recibido cuando \xc3\xa9ste se efect\xc3\xbae: (a) en efectivo o en cheque a\ntrav\xc3\xa9s de una de las sucursales del Banco, antes de la hora de cierre; (b) electr\xc3\xb3nicamente antes de las 5:00 p.m. de lunes a s\xc3\xa1bado; o (c) a\ntrav\xc3\xa9s de correo junto al talonario de pago a la direcci\xc3\xb3n que aparece en el Estado de Cuenta del Cliente, siempre y cuando el pago sea\nrecibido antes de las 5:00 p.m. de lunes a viernes.\n18) Disponibilidad del cr\xc3\xa9dito \xe2\x80\x94 Cuando el m\xc3\xa9todo de pago utilizado no sea en efectivo, el Banco aplazar\xc3\xa1 la disponibilidad de los fondos\nequivalentes al importe de pago, por un periodo de hasta cinco (5) d\xc3\xadas laborables. Esto significa que a pesar de que su pago va a ser\nacreditado, no va a tener disponible ese balance hasta que haya transcurrido dicho periodo. Esto no conllevar\xc3\xa1 cargos adicionales a su cuenta\npor concepto de cargos por financiamiento.\n19) Cargo por mora \xe2\x80\x94 Si no recibimos, por lo menos, el pago m\xc3\xadnimo requerido en su estado de cuenta a la fecha de vencimiento de pago\ndeterminada en su estado de cuenta, podremos imponer un cargo por mora de $25.00. Violaciones del mismo tipo, subsiguientes a la primera\nofensa, dentro de los siguientes seis meses estar\xc3\xa1n sujetas a un cargo por mora de hasta $30.00. Posterior al transcurso de estos seis meses,\nla pr\xc3\xb3xima violaci\xc3\xb3n estar\xc3\xada sujeta al cargo por mora de $25.00 y comenzar\xc3\xa1 a trascurrir nuevamente un periodo de seis meses en el que se\npodr\xc3\xa1 imponer un cargo por mora de hasta $30.00. S\xc3\xb3lo impondremos el cargo por mora una vez por cada pago m\xc3\xadnimo no pagado a tiempo.\n20) Cargo por cheque devuelto \xe2\x80\x94 Por cada cheque que Usted nos entregue, que nos sea devuelto sin pagar, cargaremos a su cuenta ScotiaLine el\ncargo por cheque devuelto que se establece en la Divulgaci\xc3\xb3n de Cargos y Cuotas.\n21) Un cargo por violaci\xc3\xb3n como resultado de un evento o transacci\xc3\xb3n\xe2\x80\x94 No se impondr\xc3\xa1 m\xc3\xa1s de un cargo por violaci\xc3\xb3n a los t\xc3\xa9rminos de su\ncuenta como resultado de un evento o transacci\xc3\xb3n. Por ejemplo, si efect\xc3\xbaa un pago mediante cheque, el cual es devuelto y como\nconsecuencia su pago no es recibido antes de la fecha de vencimiento lo que resultar\xc3\xada en un cargo por mora, nosotros impondremos un\ncargo por mora, o un cargo por cheque devuelto, pero no se cobrar\xc3\xa1n ambos, ya que los cargos son resultado del mismo evento o transacci\xc3\xb3n.\n22) Cargo por cambio de moneda \xe2\x80\x94 Por cada transacci\xc3\xb3n efectuada en moneda extranjera, cargaremos un 1% de la cantidad de la transacci\xc3\xb3n en\nUSD, adicional a cualquier otro cargo aplicable.\n23) Otros cargos \xe2\x80\x94 Cualesquiera otros cargos que Usted ser\xc3\xa1 responsable de pagar seg\xc3\xban la Divulgaci\xc3\xb3n de Cargos aqu\xc3\xad incluidos ser\xc3\xa1n detallados\nen su estado de cuenta.\n24) Cheques\na) Podremos rehusarnos pagar un Cheque despu\xc3\xa9s de seis meses de la fecha del mismo. El que paguemos uno o m\xc3\xa1s Cheques despu\xc3\xa9s de\nhaber transcurrido dicho per\xc3\xadodo no nos obligar\xc3\xa1 a pagar otros Cheques presentados fuera del t\xc3\xa9rmino.\nb)\n\nUsted podr\xc3\xa1 suspender el pago de un Cheque. No seremos responsables si pagamos un Cheque en cualquiera de los siguientes casos:\ni) si recibimos la orden de suspensi\xc3\xb3n luego que el Cheque ha sido cargado a su cuenta;\nii)\n\nsi Usted no nos entrega la orden de suspensi\xc3\xb3n por escrito, en el formulario que le suministremos para tal fin;\n\niii)\n\nsi la orden de suspensi\xc3\xb3n no est\xc3\xa1 firmada por la persona que firm\xc3\xb3 el Cheque;\n\niv)\n\nsi la persona que recibe el pago de hecho tiene derecho al mismo, o hubiese tenido derecho a recobrar de Usted si Nosotros no\nhubi\xc3\xa9semos pagado el Cheque;\n\nv)\n\nsi Usted deja de ejercitar cualquier acci\xc3\xb3n que pudiese tener para recobrar el dinero, ya sea contra la persona que recibe el pago o\ncontra cualquier otra persona;\n\nvi)\n\nsi Usted est\xc3\xa1 de otra forma impedido de colocar la orden de suspensi\xc3\xb3n o de reclamar contra Nosotros.\n\nc)\n\nLa duraci\xc3\xb3n de una orden de suspensi\xc3\xb3n de pago ser\xc3\xa1 de seis meses a partir de la fecha del Cheque, a menos que Usted la hubiese\ncancelado previamente por escrito, usando el formulario que suministremos para ese prop\xc3\xb3sito.\n\nd)\n\nPor cada orden de suspensi\xc3\xb3n de pago podremos efectuar el cargo que se establece en la Divulgaci\xc3\xb3n de Cargos y cargarlo a su cuenta\nScotiaLine.\n\ne)\n\nSi le devolvemos el importe de un Cheque que fue indebidamente pagado, adquiriremos todos sus derechos de cobrar de la persona que\nrecibi\xc3\xb3 el pago, y de cualquier otra persona responsable.\n\nP\xc3\xa1gina 3\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0c25) Pago inmediato de la totalidad del balance adeudado \xe2\x80\x94 Podremos exigir el pago inmediato de toda suma que Usted nos adeude bajo este\ncontrato, en caso que Usted incumpla con sus obligaciones bajo el mismo.\n26) Enmiendas a este contrato \xe2\x80\x94 Podremos enmendar los t\xc3\xa9rminos y condiciones de este contrato mediante aviso por escrito a Usted, antes de la\nfecha de efectividad en que el cambio entre en vigor, seg\xc3\xban requerido por la regulaci\xc3\xb3n aplicable. Dicha enmienda aplicar\xc3\xa1 al uso de\nScotiaLine a partir de dicha fecha de vigencia. Tambi\xc3\xa9n le notificaremos por escrito cualquier cambio al Cargo por Financiamiento, Tasa\nPeri\xc3\xb3dica, Tasa de Porcentaje Anual u otros cargos aplicables.\na) Si Usted no estuviera de acuerdo con el cambio o cargo notificado, vendr\xc3\xa1 obligado a hacer lo siguiente durante el plazo del siguiente\nper\xc3\xadodo de facturaci\xc3\xb3n:\ni) notificarnos por escrito que cancela este contrato, antes de la fecha en la que dichos cambios sean efectivos a la direcci\xc3\xb3n provista\nen el Secci\xc3\xb3n 27)b), y\nii)\n\ndevolvernos todos los Cheques.\n\nUsted podr\xc3\xa1 seguir pagando el balance adeudado conforme a los t\xc3\xa9rminos de este contrato, pero ni Usted ni ninguna Persona Autorizada\npodr\xc3\xa1 hacer cargos adicionales a su cuenta ScotiaLine.\nb)\n\nEl uso de cualquier servicio de ScotiaLine por Usted o una Persona Autorizada durante el plazo del siguiente per\xc3\xadodo de facturaci\xc3\xb3n\nconfirmar\xc3\xa1 su aceptaci\xc3\xb3n de dicha enmienda o cargo.\n\n27) En caso de errores o reclamaciones relacionados con su estado de cuenta:\n\xc2\xbfQu\xc3\xa9 hacer si Usted entiende existe un error en su Estado de Cuenta?\nEn caso de errores o reclamaciones relacionados a su estado de cuenta nos puede llamar al 787-766-4999 \xc3\xb3 1-877-766-4999 o escribir a:\nScotiabank de Puerto Rico\nPO Box 362230\nSan Juan, PR 00936-2230\nPuede tambi\xc3\xa9n contactarnos a trav\xc3\xa9s de nuestra p\xc3\xa1gina electr\xc3\xb3nica: www.scotiabankpr.com\nDeber\xc3\xa1 presentar su reclamaci\xc3\xb3n por escrito. Su reclamaci\xc3\xb3n debe incluir:\n\xe2\x80\xa2 Informaci\xc3\xb3n sobre cuenta: Su nombre y n\xc3\xbamero de cuenta\n\xe2\x80\xa2 Cantidad reclamada: La cantidad en d\xc3\xb3lares del alegado error\n\xe2\x80\xa2 Descripci\xc3\xb3n del alegado error: una descripci\xc3\xb3n del aparente error y explicaci\xc3\xb3n de por qu\xc3\xa9 usted considera que existe un error.\nEl Banco deber\xc3\xa1 recibir su reclamaci\xc3\xb3n dentro de los sesenta (60) d\xc3\xadas siguientes a la fecha del env\xc3\xado del primer Estado de Cuenta donde\naparece el alegado error.\nUsted deber\xc3\xa1 notificarnos de cualquier error potencial por escrito [o electr\xc3\xb3nicamente]. Nos puede llamar por tel\xc3\xa9fono pero si lo hace no\nestamos obligados a investigar cualquier error potencial y usted pudiera tener que pagar el alegado error en cuesti\xc3\xb3n.\nDurante la investigaci\xc3\xb3n, el Banco no tomar\xc3\xa1 ninguna acci\xc3\xb3n para:\na) Cobrar la cantidad reclamada o informar dicha cantidad reclamada como atrasada.\nb) La cantidad reclamada pudiera mantenerse en su estado de cuenta, y nosotros pudi\xc3\xa9ramos continuar cargando intereses a esa cantidad.\nPero, si nosotros determinamos que hubo un error, usted no tendr\xc3\xa1 que pagar la cantidad reclamada o intereses o cargos relacionados.\nc) Aunque no tiene que pagar la cantidad reclamada, usted es responsable de pagar aquella parte de su Estado de Cuenta que no est\xc3\xa1\nincluida en su reclamaci\xc3\xb3n.\nd) Nosotros podemos aplicar cualquier cantidad sin pagar contra su l\xc3\xadnea de cr\xc3\xa9dito.\nSi todos los criterios mencionados arriba se cumplen y usted todav\xc3\xada no esta satisfecho con la mercanc\xc3\xada o servicios, nos puede contactar por\nescrito a:\nScotiabank de Puerto Rico\nPO Box 362230\nSan Juan, PR 00936-2230\nPuede tambi\xc3\xa9n contactarnos a trav\xc3\xa9s de nuestra p\xc3\xa1gina electr\xc3\xb3nica: www.scotiabankpr.com\nMientras completamos la investigaci\xc3\xb3n, aplicar\xc3\xa1n las mismas reglas detalladas anteriormente. Si usted debe una cantidad y no paga, nosotros\npodemos reportarlo atrasado.\n27) Disposiciones miscel\xc3\xa1neas\na) Referencias de cr\xc3\xa9dito. Usted nos autoriza a investigar sus referencias de cr\xc3\xa9dito. Nos reservamos el derecho de expedir o no expedir\nCheques, y de continuar o cancelar este contrato de acuerdo con nuestro mejor juicio crediticio.\nb)\n\nP\xc3\xa1gina 4\n\nNotificaciones. Le enviaremos por correo toda comunicaci\xc3\xb3n a la direcci\xc3\xb3n m\xc3\xa1s reciente que Usted nos provea y que obre en nuestros\narchivos. Usted deber\xc3\xa1 informarnos por escrito cualquier cambio en su direcci\xc3\xb3n postal. Usted debe remitir toda correspondencia\ndirigida a Nosotros a la siguiente direcci\xc3\xb3n: Scotiabank de Puerto Rico, PO Box 362230, San Juan, PR 00936-2230. Puede tambi\xc3\xa9n\ncontactarnos a trav\xc3\xa9s de nuestra p\xc3\xa1gina electr\xc3\xb3nica: www.scotiabankpr.com\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0cc)\n\nNo renuncia a derechos. Nuestra omisi\xc3\xb3n de ejercitar cualquier derecho bajo este contrato o bajo la ley aplicable no constituir\xc3\xa1 una\nrenuncia a dicho derecho.\n\nd)\n\nCl\xc3\xa1usulas nulas. El que alguna cl\xc3\xa1usula de este contrato, o parte de ella, fuese declarada nula por un tribunal o agencia gubernamental, o\ndejase de tener efecto por disposici\xc3\xb3n legal o reglamentaria, no afectar\xc3\xa1 a las restantes disposiciones de este contrato, las cuales\ncontinuar\xc3\xa1n vigentes.\n\ne)\n\nTodos los acuerdos. Este contrato y la Divulgaci\xc3\xb3n de Cargos y Cuotas contienen la totalidad de los acuerdos entre Usted y Nosotros en lo\nque respecta a su cuenta ScotiaLine.\n\nf)\n\nLey aplicable. Este contrato se interpretar\xc3\xa1 a tenor con las leyes del Estado Libre Asociado de Puerto Rico y de los Estados Unidos de\nAm\xc3\xa9rica.\n\nAcepto los t\xc3\xa9rminos y condiciones de este Contrato.\nN\xc3\xbamero de Cuenta:\n\nTasa de Porcentaje Anual (APR) Inicial:\n\nL\xc3\xadmite de Cr\xc3\xa9dito:\n\nTasa Peri\xc3\xb3dica Diaria Inicial:\n\nNombre Solicitante:\n\nFirma Solicitante:\n\nNombre Co-solicitante\n\nFirma Co-solicitante:\n\nDescripci\xc3\xb3n Colateral (si\naplica)\n\nFecha:\n\n10.45%\n\n0.02863%\n\n\xc2\xae Marca de The Bank of Nova Scotia, utilizada bajo licencia. Miembro FDIC. OCIF Lic. 22\n\nP\xc3\xa1gina 5\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0cDivulgaci\xc3\xb3n de Cargos y Cuotas L\xc3\xadnea de Cr\xc3\xa9dito ScotiaLine\nTasas de Inter\xc3\xa9s y Cargos\nL\xc3\xadnea de Cr\xc3\xa9dito\n\nScotiaLine sin garant\xc3\xada\n\nTasa de Porcentaje Anual (APR) para\nCompras, Adelantos de Efectivo y\nTransferencias de Balances\n\nInformaci\xc3\xb3n Sobre la Tasa de\nPorcentaje Anual\n\nPrime Rate + 5.45%\nLa tasa de porcentaje anual (APR) es variable y se calcula utilizando un \xc3\xadndice, conocido como Prime Rate, m\xc3\xa1s un\nmargen. El \xc3\xadndice es la tasa base para pr\xc3\xa9stamos comerciales anunciada por no menos del 75% de los 30 bancos\nm\xc3\xa1s grandes en los Estados Unidos, seg\xc3\xban publicada en el peri\xc3\xb3dico The Wall Street Journal. A este \xe2\x80\x9cPrime Rate\xe2\x80\x9d\na\xc3\xb1adiremos un margen de 5.45% para ScotiaLine sin garant\xc3\xada. Aquellos clientes que al momento de solicitar sean\nidentificados como miembros activos de las fuerzas armadas o dependiente cubierto, seg\xc3\xban establecido por la Ley\nde Pr\xc3\xa9stamos a Militares (MLA), tendr\xc3\xa1n una tasa de porcentaje anual (APR) especial de 6.00%. La misma ser\xc3\xa1\nvigente mientras dure en el servici\xc3\xb3 activo. Una vez su periodo de activaci\xc3\xb3n culmine se aplicar\xc3\xa1 la taza de\nporcentaje anual (APR) prevaleciente.\n\n1.99% Tasa Introductoria (APR)\nTasa de Porcentaje Anual (APR)\nIntroductoria para Transferencia de\nBalances\n\nCobro de Intereses\nPara Consejos sobre Tarjetas de\nCr\xc3\xa9dito de la Oficina para la\nProtecci\xc3\xb3n Financiera del Consumidor\nCuotas\n\nSolo para cuentas nuevas\nLa tasa de inter\xc3\xa9s introductoria (APR) estar\xc3\xa1 disponible desde el 1 de junio de 2019 al 31 de octubre de 2019. Esta\ntasa especial estar\xc3\xa1 en efecto por un periodo de seis meses a partir de la fecha de la transacci\xc3\xb3n. Luego de esta\nfecha, se aplicar\xc3\xa1 la tasa inter\xc3\xa9s correspondiente seg\xc3\xban descrita previamente para compras, Adelantos de Efectivo\ny Transferencias de Balance. Para que se aplique el APR introductorio, la transacci\xc3\xb3n debe realizarse en una\nsucursal de Scotiabank de Puerto Rico.\nLa fecha de vencimiento del pago es de al menos 25 d\xc3\xadas despu\xc3\xa9s de la fecha de cierre del periodo de facturaci\xc3\xb3n.\nLos cargos por financiamiento para compras, adelantos de efectivo y transferencias de balances se calcular\xc3\xa1n desde\nla fecha en la cual la transacci\xc3\xb3n es cargada a la cuenta hasta que se pague en su totalidad.\nPara conocer m\xc3\xa1s sobre los factores a considerar al momento de solicitar o utilizar una tarjeta de cr\xc3\xa9dito, visite\nhttp://consumerfinance.gov/learnmore/.\n\nCuota Anual\n\n$0\n\nCargos por Transferencias de Balances\ny Adelantos de Efectivo\nCargo por Cambio de Moneda\n\nNo Aplica\n1% de la cantidad de la transacci\xc3\xb3n en USD por cada transacci\xc3\xb3n efectuada en moneda extranjera, adicional a\ncualquier otro cargo aplicable\n\nCargo por Pago Devuelto\nCargo por Pago Tard\xc3\xado\n\n$10\nHasta $30\n\nCargo por Suspensi\xc3\xb3n de Pago\n\n$15\n\nM\xc3\xa9todo para Calcular el Balance: Utilizamos el M\xc3\xa9todo de Balance Promedio Diario, incluyendo compras y transacciones nuevas. Vea los\nt\xc3\xa9rminos en el contrato para m\xc3\xa1s detalles.\nDerechos de reclamos en su facturaci\xc3\xb3n: Informaci\xc3\xb3n relacionada con sus derechos de facturaci\xc3\xb3n y resoluci\xc3\xb3n de errores y sobre c\xc3\xb3mo\nejercer los mismos est\xc3\xa1 incluida en los t\xc3\xa9rminos en el contrato.\nPara m\xc3\xa1s informaci\xc3\xb3n, comun\xc3\xadquese con nuestro Centro de Contacto al 787-766-4999 \xc3\xb3 1-877-766-4999. Tambi\xc3\xa9n nos puedes escribir al\nPO Box 362230, San Juan Puerto Rico 00936-2230.\nNombre del Solicitante: ___________________________________________________\nFirma del Solicitante: _____________________________________________________ Fecha: ___________________\nNombre del Cosolicitante: ________________________________________________\nFirma del Cosolicitante: __________________________________________________ Fecha: ___________________\n\xc2\xae Marca de The Bank of Nova Scotia, utilizada bajo licencia. Miembro FDIC. OCIF Lic. 22\nP\xc3\xa1gina 6\n\nScotiaLine \xe2\x80\x93 Sin garant\xc3\xada\nContrato Rev. 9-19\n\n\x0c'


b'PLATINUM PREFERRED MASTERCARD/PLATINUM\nCLASSIC MASTERCARD/PLATINUM SECURED\nMASTERCARD\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 MasterCard credit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the\nCredit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this 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 and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDPAVR1 (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 if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your 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, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases 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 purchases. Balance transfers are calculated in the same manner as 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.\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 used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying 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. Currency Conversion Assessment or Cross Border Assessment (Finance Charge). If your account is subject to\na Currency Conversion Assessment or Cross Border Assessment (finance charge), a fee may be charged to your account\nfor transactions made outside of the United States or in a foreign currency.\nc. 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.\nd. 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.\nDPAVR1 (MXC503 CCM004)-e\n\n\x0ce. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be\ncharged to your account when a convenience check is returned for any reason.\nf. 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.\ng. 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).\nh. 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.\ni. 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.\nj. Rush Fee. If your account is subject to the Rush Fee, a fee will be charged to your account as disclosed on the\nDisclosure accompanying this Agreement.\nk. Stop Payment on a Convenience Check Processing Fee. If your account is subject to the Stop Payment on a\nConvenience Check Processing Fee, a fee will be charged to your account as disclosed on the Disclosure accompanying\nthis Agreement.\nl. Stop Payment on a Convenience Check Presentment Fee. If your account is subject to the Stop Payment on a\nConvenience Check Presentment Fee, a fee will be charged to your account as disclosed on the Disclosure\naccompanying 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 2.00% of your total new\nbalance, or $20.00, 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. We may accept checks marked "payment in full" or with words of similar effect without losing any\nof our rights to collect the full balance of your account with us.\n10. 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\n\nDPAVR1 (MXC503 CCM004)-e\n\n\x0cperiodic 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 2060 red Lion Rd., PO Box 52458, Philadelphia, PA 19115 or telephone (215) 9690777 Monday through Saturday during normal business hours Eastern Time, (800) 342-0008 Monday through Saturday\nafter normal business hours Eastern Time or (800) 991-4965 seven (7) days a week, 24 hours a day, of the loss, theft, or\nunauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable\nfor unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However, if you\nexercise reasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theft\npromptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will\nnot 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.\n17. 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.\nDPAVR1 (MXC503 CCM004)-e\n\n\x0c23. 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. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\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. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. 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.\n29. 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.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the 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\nDPAVR1 (MXC503 CCM004)-e\n\n\x0c- 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.\n\nDPAVR1 (MXC503 CCM004)-e\n\n\x0c'