b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Signature\n\n8.00% to 11.50%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Traditional Variable\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n10.50%, based on your\nAfter that, your APR will be 7.00%\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nto\n\nVisa Traditional Secured\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be 11.50% . This APR will vary with the market\nbased on the Prime Rate.\nVisa Traditional Non-Variable\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be\nAPR for Balance Transfers\n\n18.00%.\n\nVisa Signature\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.00% to 11.50%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Traditional Variable\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.00% to 10.50%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Traditional Secured\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 11.50% . This APR will vary with the market\nbased on the Prime Rate.\nVisa Traditional Non-Variable\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 18.00%.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100968-MXC10-C-2-101819 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nVisa Signature\n10.00% to 13.50%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Traditional Variable\n9.00% to 12.50%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Traditional Secured\n13.50%\nThis APR will vary with the market based on the Prime Rate.\nVisa Traditional Non-Variable\n18.00%\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 will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nUp to $39.00\nUp to $39.00\nUp to $35.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Signature:\nThe Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days\nfollowing the opening of your account. Any existing balances on Redstone Federal Credit Union loan or credit card\naccounts are not eligible for the Introductory APR for balance transfers.\nPromotional Period for Introductory APR - Visa Traditional Variable, Visa Traditional Secured, Visa Traditional\nNon-Variable:\nThe Introductory APR for purchases will apply to transactions posted to your account during the first six months following\nthe opening of your account.\nThe Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days\nfollowing the opening of your account. Any existing balances on Redstone Federal Credit Union loan or credit card\naccounts are not eligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Signature, Visa Traditional Variable, Visa Traditional Secured and Visa\nTraditional Non-Variable are secured credit cards. Credit extended under this credit card account is secured by\nvarious personal property and money including, but not limited to: (a) any goods you purchase with this account,\n(b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares\nyou have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement\nAccount or in any other account that would lose special tax treatment under state or federal law, and (d)\ncollateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100968-MXC10-C-2-101819 (MXC101-E)\n\n\x0cforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a\npayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less.\nOver-the-Credit Limit Fee:\n$28.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. In the event you exceed\nyour credit limit in any of the six billing cycles following the initial violation, you will be charged $39.00 or the amount of the\ntransaction exceeding your approved credit limit, whichever is less.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required\nminimum payment, whichever is less.\nReturned Convenience Check Fee:\n$35.00 or the amount of the returned convenience check, whichever is less.\nCard Replacement Fee:\n$5.00.\nDocument Copy Fee:\n$12.00 per document.\nRush Fee:\n$35.00.\nStatement Copy Fee:\n$3.00 per document.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00100968-MXC10-C-2-101819 (MXC101-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Redstone Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n00100968-MXC30-C-2-101819 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any late charges incurred. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the\namount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). 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.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. 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.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\nPage 2 of 6\n00100968-MXC30-C-2-101819 (MXC303-E)\n\n\x0ctransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nYour bill or call Us toll-free at 800-234-1234, seven days a week and weekends 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nPage 3 of 6\n00100968-MXC30-C-2-101819 (MXC303-E)\n\n\x0cclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. 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 transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. 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.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nAlabama.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\nPage 4 of 6\n00100968-MXC30-C-2-101819 (MXC303-E)\n\n\x0c31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. 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\nPage 5 of 6\n00100968-MXC30-C-2-101819 (MXC303-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\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 three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think 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\nto investigate 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\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have 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.\nPage 6 of 6\n00100968-MXC30-C-2-101819 (MXC303-E)\n\n\x0c'


b'ACUERDO DE TARJETAS DE CREDITO PARA BEYOND SMALL BUSINESS MASTERCARD\xc2\xae DE FIRSTBANK\n(EL \xe2\x80\x9cACUERDO\xe2\x80\x9d)\nTasa de Inter\xc3\xa9s y Cargos por Intereses\nTasa de Porcentaje Anual (APR)\nAPR Introductorio del\npor los primeros 6 ciclos de facturaci\xc3\xb3n, posteriores a la apertura de\npara Compras\nsu cuenta. Subsiguientemente, su APR ser\xc3\xa1 de la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos\n\n1.99%\n\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 8.50% hasta la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 18.50%, al abrir su cuenta basado en su capacidad de cr\xc3\xa9dito.\nAPR para Transferencias de\nBalance\n\nAPR Introductorio del 1.99% por los primeros 6 ciclos de facturaci\xc3\xb3n, posteriores a la apertura de su\ncuenta. Subsiguientemente, su APR ser\xc3\xa1 de la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 8.50% hasta la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) +\n18.50% al abrir su cuenta basado en su capacidad de cr\xc3\xa9dito.\n\nAPR para Adelantos en Efectivo\n\nTasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 13.00% hasta Tasa de Inter\xc3\xa9s\nPreferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 20.00%,\t\r \xc2\xa0 al abrir su cuenta basado en su capacidad\nde cr\xc3\xa9dito.\n29.99%*\n\nAPR de Penalidad y Cu\xc3\xa1ndo Aplica\n\nEste APR podr\xc3\xada aplicarle a su cuenta si el pago m\xc3\xadnimo no es recibido dentro de un periodo de\nsesenta (60) d\xc3\xadas desde su vencimiento.\n\xc2\xbfPor cu\xc3\xa1nto tiempo aplica la Tasa por Penalidad?: Si su APR aumenta por esta raz\xc3\xb3n, la Tasa de\nPenalidad permanecer\xc3\xa1 en efecto hasta que la cuenta se ponga al d\xc3\xada y se hayan realizado seis (6)\npagos m\xc3\xadnimos consecutivos en o antes de su fecha de vencimiento.\nC\xc3\xb3mo Evitar el Pago de Intereses\nen Compras\n\nCargo M\xc3\xadnimo por Intereses\nPara Obtener Consejos del\n\xe2\x80\x9cConsumer Financial Protection\nBureau\xe2\x80\x9d\nCargos\nCuota Anual\n\nSu fecha de pago ser\xc3\xa1 de por lo menos 25 d\xc3\xadas despu\xc3\xa9s del cierre de cada ciclo de facturaci\xc3\xb3n. No le\ncobraremos ning\xc3\xban tipo de inter\xc3\xa9s sobre las compras si usted paga la totalidad de su saldo a m\xc3\xa1s tardar\nen la fecha de vencimiento cada mes. Los intereses de adelantos en efectivos, transferencias de\nbalances y cheques de conveniencia se impondr\xc3\xa1n desde la fecha que se lleve a cabo la transacci\xc3\xb3n.\nSi se le cobra intereses, el cargo no ser\xc3\xa1 menor de $1.50.\nPara obtener m\xc3\xa1s informaci\xc3\xb3n sobre los factores que deben considerarse al solicitar o utilizar una\ntarjeta de cr\xc3\xa9dito, visite el portal electr\xc3\xb3nico del \xe2\x80\x9cConsumer Financial Protection Bureau\xe2\x80\x9d en\nhttps://www.consumerfinance.gov/learnmore\n$0 Cuota Anual Introductoria por 12 meses, luego $50\n$0 Cargo por tarjeta adicional (si aplica)\n\nCargos por Transacciones\n-Transferencia de Balance:\n-Adelantos en Efectivo:\n-Cheques de conveniencia:\n-Conversi\xc3\xb3n de Moneda:\n\n2.00% de la cantidad de cada transacci\xc3\xb3n ($2.00 m\xc3\xadnimo; $10.00 m\xc3\xa1ximo)\n2.00% de la cantidad de cada transacci\xc3\xb3n ($2.00 m\xc3\xadnimo; $10.00 m\xc3\xa1ximo)\n2.00% de la cantidad de cada transacci\xc3\xb3n ($2.00 m\xc3\xadnimo; $10.00 m\xc3\xa1ximo)\n1.40% de cada transacci\xc3\xb3n de d\xc3\xb3lares americanos.\n\nCargos por Penalidad\n-Pago Tard\xc3\xado\n-Cheque Devuelto\n\nHasta $35\nHasta $15\n\nC\xc3\xb3mo Calculamos su Balance: Utilizamos un m\xc3\xa9todo llamado \xe2\x80\x9cbalance promedio diario sin capitalizaci\xc3\xb3n (incluyendo compras nuevas)\xe2\x80\x9d. Vea su Acuerdo para\nm\xc3\xa1s detalles.\nP\xc3\xa9rdida del APR Introductorio: Podremos terminar su APR Introductorio y aplicar el APR de Penalidad si el pago m\xc3\xadnimo no es recibido dentro de un periodo de\nsesenta (60) d\xc3\xadas desde su vencimiento.\nDerecho de Facturaci\xc3\xb3n (\xe2\x80\x9cBilling Rights\xe2\x80\x9d): Informaci\xc3\xb3n de como ejercer su derecho a disputar transacciones se incluyen en el Acuerdo.\nPago Tard\xc3\xado: El cargo por la penalidad de un pago tard\xc3\xado no exceder\xc3\xa1 de $25. Sin embargo, de ocurrir un segundo pago tard\xc3\xado dentro de un periodo de seis (6)\nciclos de facturaci\xc3\xb3n se aplicara el cargo m\xc3\xa1ximo que se encuentra en la tabla. El cargo por la penalidad de Cheque Devuelto no exceder\xc3\xa1 la cantidad del cheque\nemitido.\n\n\x0c* La Tasa Peri\xc3\xb3dica diaria para el APR de Penalidad es de 0.0822%\n\nRevise y guarde la siguiente informaci\xc3\xb3n de su cuenta. Este documento junto a la tabla de cargos por financiamiento y cargos\nadicionales es el acuerdo entre usted, el tarjetahabiente, y FirstBank. De usted tener alguna duda, favor de comunicarse con\nnosotros al n\xc3\xbamero que se encuentra al dorso de su tarjeta de cr\xc3\xa9dito.\nCUENTA: En consideraci\xc3\xb3n al cr\xc3\xa9dito otorgado por FirstBank (el \xe2\x80\x9cBanco\xe2\x80\x9d) bajo esta cuenta rotativa, Usted (el tarjetahabiente\nprincipal bajo este Acuerdo) se compromete a pagar al Banco la totalidad de las compras, avances en efectivo, transferencias\nde balance de otras instituciones y cheques de conveniencia cargados a esta cuenta, as\xc3\xad como los CARGOS Y TASAS\nFINANCIERAS acordados conforme a los t\xc3\xa9rminos y condiciones de este Acuerdo. La Cuenta solo debe ser usada para gastos\nleg\xc3\xadtimos de negocios y no puede ser utilizada para ning\xc3\xban prop\xc3\xb3sito ilegal. La tarjeta de cr\xc3\xa9dito no debe ser usada en ning\xc3\xban\npa\xc3\xads sujeto a sanciones econ\xc3\xb3micas impuestas por el gobierno de Estados Unidos, y cualquier intento de usar la tarjeta de\ncr\xc3\xa9dito en dichos pa\xc3\xadses ser\xc3\xa1 bloqueado. La tarjeta de cr\xc3\xa9dito no puede ser usada en conexi\xc3\xb3n con apuestas por internet ni\npara proveer fondos a cuenta alguna establecida para facilitar las apuestas por internet.\nTRANSACCIONES: Usted puede obtener cr\xc3\xa9dito en forma de compras, transferencias de balance o avances en efectivo. Para\nprop\xc3\xb3sitos de este Acuerdo, compras significa el uso de su n\xc3\xbamero de cuenta y/o de la tarjeta de cr\xc3\xa9dito para adquirir o alquilar\nservicios y bienes, y realizar una transacci\xc3\xb3n que no es un avance en efectivo (\xe2\x80\x9cCompra(s)\xe2\x80\x9d). Una transferencia de balance es\nla transferencia de fondos a otro acreedor iniciada por el Banco a solicitud suya (\xe2\x80\x9cTransferencia de Balance\xe2\x80\x9d). Un avance en\nefectivo significa el uso de su l\xc3\xadnea de cr\xc3\xa9dito para cualquiera de las siguientes: acceder a un cheque que usted extienda o firme\ncomo emisor; obtener un avance en efectivo de un cajero autom\xc3\xa1tico; solicitar efectivo, giros postales, cheques de viajero o\ntransferencias electr\xc3\xb3nicas a una instituci\xc3\xb3n financiera o no financiera; realizar transacciones similares al uso de efectivo (cuasiefectivo) como la compra de divisas, cheques de viajero o giros postales a instituciones no financieras as\xc3\xad como transacciones\nsimilares en efectivo, como comprar boletos de loter\xc3\xada, fichas de casino, apuestas en circuitos de carreras, o transacciones de\napuestas similares; y hacer pagos a trav\xc3\xa9s de un tercero proveedor de servicios (\xe2\x80\x9cAdelantos en Efectivo\xe2\x80\x9d).\nUSUARIO AUTORIZADO: Usted ser\xc3\xa1 responsable por todas la transacciones hechas por la persona que usted autorice para el\nuso de cheques de conveniencia, n\xc3\xbamero de cuenta, u otro mecanismo de cr\xc3\xa9dito para acceder a su l\xc3\xadnea de cr\xc3\xa9dito,\nincluyendo las transacciones por las que usted no pretend\xc3\xada ser responsable, inclusive si la cantidad de dichas transacciones\ncausan que su l\xc3\xadnea de cr\xc3\xa9dito exceda el l\xc3\xadmite establecido. Al usuario autorizado podr\xc3\xa1 otorg\xc3\xa1rsele acceso a informaci\xc3\xb3n\nrelacionada a esta cuenta si Usted lo solicita conforme a los requerimientos del Banco. Una notificaci\xc3\xb3n a cualquier usuario\nautorizado se considerara una notificaci\xc3\xb3n a todos los usuarios de la tarjeta.\t\r \xc2\xa0Si por alguna raz\xc3\xb3n, la Persona Autorizada cesa de\nser una persona autorizada, principal tarjetahabiente es el \xc3\xbanico responsable de notificar dicho evento al Banco por escrito o por\ntel\xc3\xa9fono. Hasta entonces, el tarjetahabiente principal continuar\xc3\xa1 respondiendo por extensiones de cr\xc3\xa9dito y cargos incurridos.\nL\xc3\x8dMITE DE CR\xc3\x89DITO: Usted acepta que el Banco establecer\xc3\xa1 para su conveniencia un l\xc3\xadmite de Cr\xc3\xa9dito y de Avances en\nEfectivo, en donde las Compras, Transferencias de Balance, Cheques de Conveniencia y Avances en Efectivo que usted cargue\na esta cuenta en ning\xc3\xban momento exceder\xc3\xa1n los respectivos l\xc3\xadmites. El l\xc3\xadmite de Avances en Efectivo ser\xc3\xa1 solo una porci\xc3\xb3n de\nlo que est\xc3\xa1 disponible en su l\xc3\xadmite de cr\xc3\xa9dito. El Banco se reserva su derecho a cambiar o modificar los l\xc3\xadmites de Cr\xc3\xa9dito y\nAvances en Efectivo.\nAl recibir su Tarjeta, a usted se le informar\xc3\xa1 su l\xc3\xadmite de cr\xc3\xa9dito, el cual aparecer\xc3\xa1 en cada estado de cuenta mensual (\xe2\x80\x9cEstado\nde Cuenta\xe2\x80\x9d) que el Banco le env\xc3\xade. Usted acepta que el banco podr\xc3\xa1, de tiempo en tiempo, cambiar su l\xc3\xadmite de cr\xc3\xa9dito,\ntomando en consideraci\xc3\xb3n su experiencia de cr\xc3\xa9dito e historial de pagos previos. Si usted se excediera del l\xc3\xadmite de cr\xc3\xa9dito\nautorizado, el Banco tendr\xc3\xa1 derecho a cancelar la Tarjeta, requerir su devoluci\xc3\xb3n, o cancelar la Tarjeta y cerrar la cuenta.\nCualquier cantidad adeudada en exceso de su l\xc3\xadmite autorizado ser\xc3\xa1 pagadera inmediatamente. Su pago m\xc3\xadnimo debe incluir\ncualquier exceso sobre su l\xc3\xadmite de cr\xc3\xa9dito autorizado.\nCARGOS POR INTERESES APLICABLES A PUERTO RICO E ISLAS VIRGENES DE ESTADOS UNIDOS: Los CARGOS POR\nFINANCIAMIENTO se computan \xc3\xbanicamente sobre el balance del principal. Usted pagar\xc3\xa1 un CARGO POR FINANCIAMIENTO\nmensual sobre el balance de su cuenta durante el per\xc3\xadodo de facturaci\xc3\xb3n. Este CARGO POR FINANCIAMIENTO ser\xc3\xa1 variable y\npodr\xc3\xa1 cambiar para cada per\xc3\xadodo de facturaci\xc3\xb3n. EL CARGO POR FINANCIAMIENTO para compras, transferencias de\n\n\x0cbalances de otras instituciones, adelantos en efectivos y cheques de conveniencia se calcular\xc3\xa1 sumando la Tasa Preferencial\nde Estados Unidos m\xc3\xa1s alta (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) publicada, el \xc3\xbaltimo d\xc3\xada laborable del mes previo, en la secci\xc3\xb3n \xe2\x80\x9cMoney Rates\xe2\x80\x9d del\nThe Wall Street Journal\xe2\x80\x9d a un margen. Esto equivale a la TASA DE PORCENTAJE ANUAL (\xe2\x80\x9cAPR\xe2\x80\x9d, por sus siglas en ingl\xc3\xa9s).\nPara calcular la tasa peri\xc3\xb3dica (la \xe2\x80\x9cTasa Peri\xc3\xb3dica\xe2\x80\x9d) diaria, se divide el APR entre 365. El CARGO POR FINANCIAMIENTO y el\nAPR aplicable a su cuenta depender\xc3\xa1n de su capacidad crediticia y del \xe2\x80\x9cPrime Rate\xe2\x80\x9d vigente al momento de la aprobaci\xc3\xb3n\nde la solicitud. Para cada per\xc3\xadodo de facturaci\xc3\xb3n el CARGO POR FINANCIAMIENTO y el APR se determinar\xc3\xa1n utilizando el\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d vigente al \xc3\xbaltimo d\xc3\xada laborable del mes previo que se publique. Un incremento en el \xe2\x80\x9cPrime Rate\xe2\x80\x9d podr\xc3\xada\nrepresentar un aumento en su TASA DE PORCENTAJE ANUAL y en su pago m\xc3\xadnimo. Cualquier variaci\xc3\xb3n en el CARGO POR\nFINANCIAMIENTO aplicar\xc3\xa1 a los balances existentes y a las transacciones nuevas incluidas dentro del per\xc3\xadodo de facturaci\xc3\xb3n.\nEL CARGO POR FINANCIAMIENTO se establece multiplicando el balance diario promedio (el \xe2\x80\x9cBalance Diario Promedio\xe2\x80\x9d) por la\nTasa Peri\xc3\xb3dica Diaria, por el n\xc3\xbamero de d\xc3\xadas del periodo de facturaci\xc3\xb3n. Obtenemos este balance tomando el balance inicial de\ncada d\xc3\xada del per\xc3\xadodo de facturaci\xc3\xb3n, rest\xc3\xa1ndole los pagos y cr\xc3\xa9ditos, y sum\xc3\xa1ndole las compras, excepto compras hechas en un\nper\xc3\xadodo de facturaci\xc3\xb3n en que el balance inicial sea $0 o ese balance inicial sea pagado por completo en o antes de la fecha de\npago. Luego se suman todos los balances diarios dentro del per\xc3\xadodo de facturaci\xc3\xb3n y se divide ese total entre el n\xc3\xbamero de d\xc3\xadas\ncomprendidos dentro del per\xc3\xadodo. El resultado es el Balance Diario Promedio. No se impondr\xc3\xa1 un CARGO POR\nFINANCIAMIENTO para per\xc3\xadodos de facturaci\xc3\xb3n en que no exista un balance previo, siempre y cuando la totalidad del balance\nde la cuenta incluyendo las compras efectuadas durante ese per\xc3\xadodo, sea pagado o acreditado en su totalidad en o antes de la\nfecha de pago aplicable o si el \xc3\xbanico balance adeudado corresponde a ofertas de pagos o intereses diferidos. No habr\xc3\xa1 per\xc3\xadodo\nde gracia para adelantos en efectivo, transferencias de balance y cheques de conveniencia. Los CARGOS POR\nFINANCIAMIENTO de adelantos en efectivo, balance de transferencias y cheques de conveniencia se impondr\xc3\xa1n desde la\nfecha en que se realiza la transacci\xc3\xb3n. Del \xe2\x80\x9cThe Wall Street Journal\xe2\x80\x9d dejar de publicar el Prime Rate, seleccionaremos una tasa\nsimilar.\nPAGO MENSUAL M\xc3\x8dNIMO: 2% del balance \xc3\xb3 $15.00, lo que sea mayor. Adem\xc3\xa1s, su pago m\xc3\xadnimo incluir\xc3\xa1 deudas atrasadas y\nla cantidad total sobre su l\xc3\xadmite de cr\xc3\xa9dito autorizado.\nAPLICACI\xc3\x93N DE PAGO: De usted efectuar el pago m\xc3\xadnimo requerido en el Estado de Cuenta mensual, dicho pago ser\xc3\xa1\naplicado primero a los CARGOS POR FINANCIAMIENTO y la cantidad restante ser\xc3\xa1 aplicada a los balances con el APR m\xc3\xa1s\nbajo. Si usted paga una cantidad en exceso del pago m\xc3\xadnimo requerido, el exceso se aplicar\xc3\xa1 a los balances con el APR m\xc3\xa1s\nalto. Los pagos se acreditar\xc3\xa1n el mismo d\xc3\xada s\xc3\xad: (i) se reciben antes de las 5:00 p.m. de lunes a viernes (excepto d\xc3\xadas feriados)\nen la direcci\xc3\xb3n que aparece en su Estado de Cuenta, (ii) se pagan con un cheque girado contra el Banco, y (iii) se acompa\xc3\xb1a el\ntalonario de pago. Si el pago es a trav\xc3\xa9s de una sucursal del Banco, se acreditar\xc3\xa1 el pr\xc3\xb3ximo d\xc3\xada laborable con retroactividad a\nla fecha de recibo del mismo. Pagos electr\xc3\xb3nicos que el Banco reciba tambi\xc3\xa9n ser\xc3\xa1n acreditados el pr\xc3\xb3ximo d\xc3\xada laborable con\nretroactividad a la fecha de su recibo.\nESTADO DE CUENTA MENSUAL: El Banco le enviar\xc3\xa1 mensualmente a usted un Estado de Cuenta al finalizar cada per\xc3\xadodo de\nfacturaci\xc3\xb3n. En cada Estado de Cuenta se indicar\xc3\xa1n las siguientes partidas seg\xc3\xban sean aplicables: balance anterior, pagos,\ncr\xc3\xa9ditos, d\xc3\xa9bitos, compras, transferencias de balance de otras instituciones, cheques de conveniencia y adelantos de efectivo\nefectuados durante el per\xc3\xadodo en cuesti\xc3\xb3n, el CARGO POR FINANCIAMIENTO, la TASA DE PORCENTAJE ANUAL, el total del\nbalance nuevo, el pago m\xc3\xadnimo y la fecha en que vencer\xc3\xa1 dicho pago. Usted deber\xc3\xa1 notificar por escrito al Banco cualquier error\nen el Estado de Cuenta dentro de los sesenta (60) d\xc3\xadas siguientes a la fecha en que el Estado de Cuenta le es enviado.\nCARGOS: Las transacciones efectuadas en moneda extranjera se reflejan es su estado de cuenta en d\xc3\xb3lares americanos. El\ncargo por la conversi\xc3\xb3n de moneda extranjera a d\xc3\xb3lares americanos lo calcular\xc3\xa1 Visa Internacional o MasterCard Internacional\ndependiendo su tarjeta de cr\xc3\xa9dito. Favor de referirse a la tabla de \xe2\x80\x9ccargos\xe2\x80\x9d.\nDISPONIBILIDAD DE L\xc3\x8dNEA DE CR\xc3\x89DITO: El Banco pudiese Congelar la Disponibilidad de su L\xc3\xadnea de Cr\xc3\xa9dito si su pago es\nrevertido por cualquier raz\xc3\xb3n o si se reciben m\xc3\xbaltiples pagos dentro del mismo ciclo de facturaci\xc3\xb3n. El Bloqueo retrasar\xc3\xa1 por un\nperiodo de hasta 4 d\xc3\xadas la disponibilidad en su l\xc3\xadnea de cr\xc3\xa9dito por la cantidad del pago efectuado.\n\xe2\x80\x9cSKIP A PAYMENT\xe2\x80\x9d: De tiempo en tiempo, si se cumplen los criterios pre-establecidos, le estaremos permitiendo no hacer el\npago m\xc3\xadnimo de su tarjeta de cr\xc3\xa9dito para ciertos ciclos de facturaci\xc3\xb3n. Si recibe esta oferta, su estado de cuenta mostrar\xc3\xa1 que\n\n\x0cel Pago M\xc3\xadnimo requerido para ese per\xc3\xadodo es de $ 0.00, y no tendr\xc3\xa1 que hacer el pago m\xc3\xadnimo para ese ciclo de facturaci\xc3\xb3n.\nSi decide no hacer el pago, sepa que la cuenta seguir\xc3\xa1 acumulando Cargos por Intereses sobre el balance adeudado durante\nese per\xc3\xadodo. Sin embargo, usted siempre podr\xc3\xa1 hacer un pago por cualquier cantidad. Al final del per\xc3\xadodo de \xe2\x80\x9cSkip a Payment\xe2\x80\x9d,\nlos t\xc3\xa9rminos del Acuerdo con respecto al Pago M\xc3\xadnimo requerido se reanudar\xc3\xa1n autom\xc3\xa1ticamente.\nINCUMPLIMIENTO: Usted habr\xc3\xa1 incumplido este Acuerdo si deja de hacer alg\xc3\xban pago a tiempo, si radica quiebra, o si excede\nsu l\xc3\xadmite de cr\xc3\xa9dito sin autorizaci\xc3\xb3n del Banco. En caso de incumplimiento, el Banco podr\xc3\xa1 reclamar el pago de la totalidad del\nbalance adeudado. Si el Banco se ve en la necesidad de tener que cobrarle a usted por la v\xc3\xada legal, usted podr\xc3\xada adem\xc3\xa1s\nincurrir en gastos legales y honorarios de abogado, as\xc3\xad como cualquier otra suma autorizada por ley.\nCUOTA ANUAL: Favor referirse a la secci\xc3\xb3n de \xe2\x80\x9cCuota Anual\xe2\x80\x9d en tabla de Tasas de Intereses y Cargos por Intereses incluida en\neste acuerdo. Las CUOTAS ANUALES se reflejar\xc3\xa1n en su Estado de Cuenta en cada aniversario de la fecha de emisi\xc3\xb3n de la\nprimera Tarjeta solicitada.\nDENEGACI\xc3\x93N DE LA TARJETA: El Banco no ser\xc3\xa1 responsable si una compra o adelanto de efectivo en su cuenta no es\nautorizado por el Banco a un tercero, a\xc3\xban en el caso de que usted tenga cr\xc3\xa9dito disponible. El Banco puede limitar el n\xc3\xbamero de\ncompras o adelantos de efectivo aprobados durante cualquier d\xc3\xada. Si el Banco detecta actividad poco usual o\nsospechosa en su cuenta, podr\xc3\xa1 suspender temporalmente su cr\xc3\xa9dito hasta que se verifique la legitimidad de la transacci\xc3\xb3n. El\nBanco podr\xc3\xada aprobar compras o adelantos de efectivo que excedan su l\xc3\xadmite de cr\xc3\xa9dito sin renunciar a sus derechos bajo este\nAcuerdo.\nTARJETA EXTRAVIADA O HURTADA: Si su Tarjeta se extraviara o fuera hurtada o si usted sospecha que alguien pudiera\nutilizarla sin su autorizaci\xc3\xb3n, usted deber\xc3\xa1 notificar inmediatamente al Banco y completar y someter aquellos formularios o\ninformes que el Banco le requiera. En caso de p\xc3\xa9rdida, robo o posible uso no autorizado, usted podr\xc3\xa1 ser responsable por el\nuso no autorizado de la Tarjeta hasta una cantidad que no exceda de $50.00, a menos que usted haya notificado al Banco del\nextrav\xc3\xado, hurto o posible uso no autorizado de la Tarjeta con antelaci\xc3\xb3n a cualquier compra o adelanto, comunic\xc3\xa1ndose\nlibre de costos al (855) 701-2265 \xc3\xb3 collect (787) 751-2265. Servicio de Teletexto (TTY) para audio-impedidos: 787-2824267.\nSus derechos de facturaci\xc3\xb3n: Mantenga este documento para su uso futuro\nEste aviso le informa sobre sus derechos y nuestras responsabilidades bajo el \xe2\x80\x9cFair Credit Billing Act\xe2\x80\x9d.\nQue Puede Hacer Si Piensa Que Hay un Error En Su Estado de Cuenta\nSi usted entiende que hay un error en su Estado de Cuenta, escr\xc3\xadbanos:\nFirstBank\nPO Box 84025\nColumbus, GA 31908-4031\nEn su comunicaci\xc3\xb3n, prov\xc3\xa9anos la siguiente informaci\xc3\xb3n:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nInformaci\xc3\xb3n de su Cuenta: Su nombre y n\xc3\xbamero de cuenta\nCantidad en d\xc3\xb3lares: La cantidad en d\xc3\xb3lares del alegado error.\nDescripci\xc3\xb3n del alegado error: Si entiende que hay un error en su factura, describa lo que entienda que es err\xc3\xb3neo con\nuna explicaci\xc3\xb3n de por qu\xc3\xa9 usted considera que existe un error.\n\nUsted debe comunicarse con el Banco:\n\xe2\x80\xa2\n\nDentro de los 60 d\xc3\xadas siguientes a la fecha del envi\xc3\xb3 del Estado de Cuenta donde aparece el alegado error.\n\n\x0c\xe2\x80\xa2\n\nAl menos tres (3) d\xc3\xadas laborables antes de cualquier pago autom\xc3\xa1tico calendarizado, si usted desea detener el pago\nsobre la cantidad que usted entiende esta equivocada.\n\nUsted debe notificarnos los alegados errores potenciales por escrito. Usted se puede comunicar por tel\xc3\xa9fono con el Banco, pero\nellos no nos requiere hacer ning\xc3\xban tipo de investigaci\xc3\xb3n por errores potenciales y usted tendr\xc3\xada que pagar la cantidad\ncuestionada.\nQue suceder\xc3\xa1 luego de que recibamos su carta\nUna vez recibamos su carta, haremos dos cosas:\n1.\n\nDentro de los 30 d\xc3\xadas a partir del recibo de su carta, nosotros indicaremos que la recibimos. Tambi\xc3\xa9n indicaremos si\nya hemos corregido el error.\n\n2.\n\nDentro de los 90 d\xc3\xadas a partir del recibo de su carta, nosotros deberemos corregir el error o explicarle porque\nentendemos que su estado de cuenta es correcto.\n\nMientras investigamos el alegado error, lo siguiente es cierto:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nNo podemos cobrarle la cantidad en cuesti\xc3\xb3n, o reportarla delincuente por esa cantidad.\nLa cantidad cuestionada puede mantenerse en su estado de cuenta, y podemos continuar cobrando los intereses por\nesa cantidad. Del Banco determinar que se cometi\xc3\xb3 un error, usted no tendr\xc3\xa1 que pagar el monto en cuesti\xc3\xb3n, o\ncualquier inter\xc3\xa9s o cargo adicional relevante a la referida cantidad.\nAun cuando usted no tiene que pagar el monto en cuesti\xc3\xb3n, s\xc3\xad es responsable por el saldo del balance pendiente.\nPodemos aplicar cualquier cantidad no pagada contra su l\xc3\xadmite de cr\xc3\xa9dito.\n\nUna vez finalicemos la investigaci\xc3\xb3n, una de estas dos cosas suceder\xc3\xa1n:\n\xe2\x80\xa2 Si cometimos un error: Usted no tendr\xc3\xa1 que pagar la cantidad en reclamaci\xc3\xb3n o cualquier inter\xc3\xa9s o cargo relacionado\na esa cantidad.\n\xe2\x80\xa2 Si entendemos que no hemos cometido ning\xc3\xban error: Usted tendr\xc3\xa1 que pagar la cantidad en reclamaci\xc3\xb3n, as\xc3\xad como\nintereses y cargos aplicables. Nosotros le enviaremos un estado de cuenta con la cantidad que usted adeuda y la\nfecha l\xc3\xadmite de pago. Podr\xc3\xadamos entonces reportarlo como moroso si no paga la cantidad que entendemos que usted\nadeuda.\nSi usted recibe nuestra explicaci\xc3\xb3n y aun entiende que su estado de cuenta tiene un error, usted debe escribirnos dentro de los\npr\xc3\xb3ximos 10 d\xc3\xadas explic\xc3\xa1ndonos que aun reh\xc3\xbasa hacer el pago. Si usted hace esto, nosotros no podemos reportar su cuenta\nmorosa sin informar que usted est\xc3\xa1 cuestionando su cuenta. Nosotros deberemos informarle el nombre de cualquier\norganizaci\xc3\xb3n a quien reportemos como morosa, y debemos notificarle a esas organizaciones que la reclamaci\xc3\xb3n ha sido\nresuelta en el momento en que hayamos llegado a un acuerdo con usted.\nSi no seguimos las reglas antes descritas, usted no tendr\xc3\xa1 que pagar los primeros $50 de la cantidad en reclamaci\xc3\xb3n aun si la\ncuenta esta correcta.\nSus Derechos de Insatisfacci\xc3\xb3n con la Compra llevada a cabo con su Tarjeta de Cr\xc3\xa9dito\nDe estar insatisfecho con los art\xc3\xadculos o servicios que compr\xc3\xb3 con su tarjeta de cr\xc3\xa9dito, y ha hecho un intento de buena fe para\ncorregir el problema con el vendedor, podr\xc3\xada tener el derecho de no pagar el monto pendiente de su compra.\nPara ejercer este derecho, todo lo siguiente debe ser cierto:\n1.\n\nLa compra tiene que haber sido en el estado donde usted reside, o a 100 millas de su direcci\xc3\xb3n postal actual y el\nprecio de la compra tiene que ser mayor de $50. (Nota: Esto no es necesario si su compra se baso en un anuncio que\nle enviamos a usted, o si somos due\xc3\xb1os de la empresa que le vendi\xc3\xb3 los bienes o servicios.)\n\n\x0c2.\n3.\n\nLa compra fue realizada con su tarjeta de cr\xc3\xa9dito para la compra. Las compras realizadas con adelantos en efectivo\nde un cajero autom\xc3\xa1tico o con un cheque que acceden su cuenta de cr\xc3\xa9dito no les aplica este derecho.\nUsted no debe haber pagado todav\xc3\xada la totalidad de la compra.\n\nSi se cumplen todos los criterios antes mencionados y usted aun no est\xc3\xa1 satisfecho con la compra, comun\xc3\xadquese con nosotros\npor escrito a:\nFirstBank\nPO Box 84025\nColumbus, GA 31908-4031\nMientras investigamos, aplicar\xc3\xa1n las mismas reglas a la cantidad en disputa, seg\xc3\xban descritas arriba. Al concluir la investigaci\xc3\xb3n,\nle informaremos nuestra decisi\xc3\xb3n. En ese momento, si entendemos usted adeuda una cantidad y usted no ha pagado\npodremos reportar su cuenta como morosa.\nENMIENDAS: Usted acuerda que el Banco podr\xc3\xa1 cambiar las tasas de inter\xc3\xa9s, los CARGOS POR FINANCIAMIENTO y otros\ncargos y t\xc3\xa9rminos de este Acuerdo, siempre y cuando el Banco le notifique de dichos cambios conforme de dichos cambios\nconforme las leyes y reglamentos aplicables. Si usted no estuviera de acuerdo con las enmiendas notificadas y deseara dar por\nterminado este Acuerdo, deber\xc3\xa1 notificar por escrito al Banco de su decisi\xc3\xb3n dentro del t\xc3\xa9rmino de quince (15) d\xc3\xadas de la fecha\nen que se le env\xc3\xade la notificaci\xc3\xb3n de enmienda y seguir\xc3\xa1 pagando los balances adeudados conforme a los t\xc3\xa9rminos y\ncondiciones vigentes al momento de la notificaci\xc3\xb3n de enmienda.\nCANCELACI\xc3\x93N: Usted puede cancelar este Acuerdo en cualquier momento mediante notificaci\xc3\xb3n al Banco por tel\xc3\xa9fono o\npor escrito en donde se incluya su Tarjeta partida en dos. La Tarjeta es propiedad del Banco, quien se reserva el derecho de\ncancelar o revocar su derecho a usarla en cualquier momento, con o sin causa, y sin previa notificaci\xc3\xb3n. El Banco podr\xc3\xada emitirle\nuna Tarjeta distinta en cualquier momento. Usted continuar\xc3\xa1 siendo responsable por el pago de cualquier balance adeudado al\nmomento de la cancelaci\xc3\xb3n.\nDISPOSICIONES MISCEL\xc3\x81NEAS: La omisi\xc3\xb3n por parte del Banco de ejercer cualquier derecho bajo este Acuerdo no\nconstituir\xc3\xa1 una renuncia a dicho derecho. Si alguna cl\xc3\xa1usula o parte de una cl\xc3\xa1usula de este Acuerdo fuera declarada nula por\nun tribunal o dejase de tener efecto por disposici\xc3\xb3n legal o reglamentaria, las disposiciones restantes de este Acuerdo no se\nafectar\xc3\xa1n y continuar\xc3\xa1n en vigor. Usted entiende y est\xc3\xa1 de acuerdo que estas Tarjetas son para ser utilizadas para fines\ncorporativos de empresa. El Banco, se reserva el derecho de convertir su cuenta a cualquier otro tipo de cuenta rotativa del\nBanco en cualquier momento, siempre y cuando usted cumpla con los criterios crediticios establecidos por el Banco para la\nnueva cuenta. Usted no est\xc3\xa1 obligado a aceptar la nueva cuenta, ni ser\xc3\xa1 responsable de cargo alguno a menos que usted elija\naceptarla. El uso de la nueva tarjeta constituye aceptaci\xc3\xb3n de la misma. El Banco podr\xc3\xa1, sin previa notificaci\xc3\xb3n a usted,\ntransferir, vender, ceder o traspasar su cuenta, este Acuerdo, o nuestros derechos y obligaciones sobre su cuenta o bajo este\nAcuerdo a cualquier entidad o persona. La persona o entidad a la que se le venda, traspase, ceda o transfiera este Acuerdo o\nnuestros derechos y obligaciones sobre su cuenta, asumir\xc3\xa1 las obligaciones de El Banco bajo este Acuerdo. De usted no\ndesear aceptar la misma, deber\xc3\xa1 notificar al Banco dentro de los quince (15) d\xc3\xadas luego de recibirla, sin haberla utilizado. Para\nnotificar que no desea aceptar la Tarjeta, deber\xc3\xa1 comunicarse libre de costos al (855) 701-2265 \xc3\xb3 COLLECT (787) 751-2265.\nServicio de Teletexto (TTY) para audio-impedidos: 787-282-4267. El seguro de protecci\xc3\xb3n de vida, muerte accidental y\ndesmembramiento, incapacidad o desempleo involuntario es opcional y no es una condici\xc3\xb3n para extenderle el cr\xc3\xa9dito. Este\nAcuerdo se interpretar\xc3\xa1 bajo las Leyes del Estado Libre Asociado de Puerto Rico.\nNOTIFICACION SOBRE RECLAMACIONES DIRECTAS (RECLAMACIONES DE HISTORIAL DE CR\xc3\x89DITO): De usted\nentender que nosotros hemos sometido informaci\xc3\xb3n incompleta o incorrecta sobre usted a una Agencia de Cr\xc3\xa9dito escribanos al\nPO BOX 9146 Mail code 273, San Juan, PR 00908-0146. Favor incluya informaci\xc3\xb3n suficiente para identificar la cuenta u otra\nrelaci\xc3\xb3n que est\xc3\xa1 en disputa, incluyendo: su n\xc3\xbamero de cuenta, nombre, direcci\xc3\xb3n, y n\xc3\xbamero de tel\xc3\xa9fono, si aplica; informaci\xc3\xb3n\nespec\xc3\xadfica y suficiente de lo que est\xc3\xa1 reclamando y una explicaci\xc3\xb3n sobre la raz\xc3\xb3n de su reclamaci\xc3\xb3n; y toda la documentaci\xc3\xb3n\nque sustente sus alegaciones o cualquier otra informaci\xc3\xb3n necesaria requerida por la Instituci\xc3\xb3n. Esta documentaci\xc3\xb3n puede\nincluir: copia de la parte o secci\xc3\xb3n pertinente de su Informe de Cr\xc3\xa9dito que sirve de base a su reclamaci\xc3\xb3n y/o que incluye la\n\n\x0cinformaci\xc3\xb3n incorrecta; una querella de la Polic\xc3\xada de Puerto Rico; la Declaraci\xc3\xb3n Jurada sobre hurto de identidad o fraude de ser\nesta su reclamaci\xc3\xb3n; evidencia de pagos realizados y copia de sus estados de cuenta; entre otros documentos que usted desee\npresentar para sustentar su reclamaci\xc3\xb3n.\n\nFirstBank Card Services (12/15)\n\n\x0c'


b"CREDIT CARD AGREEMENT FOR BEYOND SMALL BUSINESS MASTERCARD\xc2\xae OF FIRSTBANK\n(THE \xe2\x80\x9cAGREEMENT\xe2\x80\x9d)\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account.\nAfter that, your APR will be the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 8.50% to the U.S. Prime\nRate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 18.50% based on your creditworthiness at the time you opened\nyour account.\n\nAPR for Balance Transfers\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\n1.99% Introductory APR for the first 6 Statement Closing Dates following the opening of your account.\nAfter that, your APR will be the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 8.50% to the U.S. Prime Rate (\xe2\x80\x9cPrime\nRate\xe2\x80\x9d) + 18.50% based on your creditworthiness at the time you opened your account.\nU.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 13.00% to the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 20.00% ,\t\r \xc2\xa0based on\nyour creditworthiness at the time you opened your account. This APR (\xe2\x80\x9cCash Advance APR\xe2\x80\x9d) will vary\nwith the market, based on the Prime Rate.\n29.99%*\nThis APR may be applied to you if you become more than 60 days late paying your bill.\nHow Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty\nAPR will apply until you make six consecutive minimum payments when due.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on\nnew Purchases if you pay your entire balance by the due date of each month. We will begin charging\ninterest on cash advances, convenience check and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore\n$0 Intro fee for 12 months. After that, $50.00.\n$0 Additional Card\n\nTransaction Fees\n-Balance Transfers:\n-Cash Advance:\n-Convenience Checks:\n-Foreign Transactions:\n\n2.00% of the amount of each transaction ($2.00 minimum; $10 maximum)\n2.00% of the amount of each transaction ($2.00 minimum; $10 maximum)\n2.00% of the amount of each transaction ($2.00 minimum; $10 maximum)\n1.40% of each transaction in US Dollars for MasterCard.\n\nPenalty Fees\n-Late Payment\n-Returned Check\n\nUp to $35\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance without compounding (including new purchases)\xe2\x80\x9d. See your account\nagreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty Pricing if you become more than 60 days late paying your bill.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement.\nLate Payment: A single violation will not exceed $25. However, if another violation occurs within a six month billing period we will charge up to the\nmaximum fee in the table above. The Late Payment fee will not exceed the related minimum payment that was due. The Returned Check fee will not\nexceed the related check amount.\n* The Daily Periodic Rate for the Penalty APR is 0.0822%\n\n\x0cReview and save the following information of your account. This document together with the Rates and Fees Table is an\nagreement between you, the cardholder, and FirstBank. If you have questions, please call us using the number on the back of\nyour card.\nACCOUNT: As consideration for the credit granted by FirstBank (the \xe2\x80\x9cBank\xe2\x80\x9d) under this revolving account, You (the main\ncardholder under this Agreement) bind yourself to pay to the Bank the total purchases, cash advances (including balance\ntransfers from other institutions and convenience checks) made on this account, as well as the FINANCE CHARGES and FEES\nagreed upon pursuant to the terms and conditions of this Agreement. The Account is to be used only for legitimate business\nexpenses and may not be used for any unlawful purpose. The credit card may not be used in any country that is subject to\neconomic sanctions imposed by the U.S. government, and any attempted use of the credit card in such countries will be blocked.\nThe credit card may not be used in connection with online gambling or to fund any account that is set up to facilitate online\ngambling.\nTRANSACTIONS: You may obtain credit in the form of purchases, balance transfers and cash advance. For purposes of this\nAgreement purchases means the use of your account number and/or the credit card to acquire or lease services and goods, and\nperform a transaction that is not a cash advance (\xe2\x80\x9cPurchase(s)\xe2\x80\x9d). A balance transfer means the transfer of funds to another\ncreditor initiated by the Bank at your request (\xe2\x80\x9cBalance Transfer\xe2\x80\x9d). A cash advance means the use of your credit line for the\nfollowing: access a check you draw as a signer, an ATM cash advance, request a financial institution or non-financial institution\nto obtain cash, money orders, travelers checks, or wire transfers, perform cash-like transactions (quasi cash) such as the\npurchase of foreign currency from non-financial institutions as well as similar cash transactions such as purchasing lottery\ntickets, casino gaming chips, race track wages, or similar betting transactions, and making payments using a third party service\n(\xe2\x80\x9cCash Advance\xe2\x80\x9d).\nAUTHORIZED USERS: You will be liable for all transactions made by the persons that you allow the use of convenience checks,\naccount number, or other credit device with the authorization to obtain credit on your account, including transactions for which\nyou may not have intended to be liable, even if the amount of those transactions causes the credit limit to be exceeded.\nAuthorized users may be granted access to information regarding this account if You request it in accordance to Bank\nrequirements. A notice to any authorized user will be considered notice to all users.\nCREDIT LIMIT: You agree that the Bank, for your convenience, will establish a Credit limit and that the purchases and cash\nadvances that you charge to this account shall, at no time, exceed your credit limit. Upon receipt of your Card, you will be\ninformed of your credit limit which will appear on each monthly account statement (the \xe2\x80\x9cAccount Statement\xe2\x80\x9d) that the Bank will\nsend to you. You agree that the Bank may, from time to time, change your credit limit, taking into consideration your previous\ncredit experience or payment history. Should you exceed your authorized credit limit, the Bank will have the right to cancel the\nCard, require its return, or cancel the Card and close the account. Any amount due, in excess of your authorized limit, shall be\npayable immediately. Your minimum payment shall include any excess over your authorized credit limit.\nANNUAL PERCENTAGE RATE APPLICABLE TO PUERTO RICO AND US VIRGIN ISLANDS: The FINANCE CHARGES will be\ncomputed only on the principal balance. You will pay a monthly FINANCE CHARGE on the balance of your account for the billing\nperiod. The FINANCE CHARGE will be variable and can change from time to time for each billing period. The FINANCE\nCHARGE for purchases, balance transfers from other institutions, cash advances and convenience checks will be determined by\nadding the value of the highest United States Prime Rate published, on the last business date of the prior month, in the \xe2\x80\x9cMoney\nRates\xe2\x80\x9d section of the Wall Street Journal (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) to a margin. This is equivalent to the ANNUAL PERCENTAGE RATE\n(\xe2\x80\x9cAPR\xe2\x80\x9d). To determine the daily periodic rate (the \xe2\x80\x9cPeriodic Rate\xe2\x80\x9d) the APR must be divided by 365. The FINANCE CHARGE and\nthe APR applicable to your account will depend on your creditworthiness and the current PRIME RATE at the time of approval of\nyour application. For each billing period, the FINANCE CHARGE and the APR will be based on the Prime Rate as published on\nthe last business date of the prior month. An increase of the Prime Rate could represent an increase in the APR and in the\nminimum monthly payment. Any change in your FINANCE CHARGE will apply to the existing balances and to the new\ntransactions during the billing statement. The FINANCE CHARGE is determined by multiplying the daily Periodic Rate to the\naverage daily balance (the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d) by the number of days in the billing cycle. The Average Daily Balance is\n\n\x0cobtained by taking into account the initial balance of each day of the billing period, subtracting payments and credits, and adding\nthe purchases, except purchases made in billing periods in which the period's initial balance is $0 or said initial balance is paid in\nfull on or before your payment due date. The daily balances within the billing period are added and said total is divided by the\nnumber of days included within the billing period. The result is the Average Daily Balance. No FINANCE CHARGE on purchases\nwill be imposed for billing periods in which there is no previous balance and if the totality of the account's balance, including\npurchases made in such period, are paid or credited in full on or before the applicable payment due date, or if the only balance\nowed corresponds to deferred payments or interest offers. There will be no grace period for cash advances, convenience\nchecks, and balance transfers unless the Bank states otherwise as part of a promotion. The FINANCE CHARGES imposed on\ncash advances, convenience checks, and balance transfers will be assessed from the date of the transaction. If the Wall Street\nJournal stops publishing the prime rate, we will select a similar rate.\nMINIMUM MONTHLY PAYMENT: 2% of the balance or $15, whichever is greater. In addition, your minimum monthly payment\nshall include any past due and over limit amounts.\nPAYMENT APPLICATION: If you pay the required minimum payment of the monthly Account Statement, said payment shall be\napplied first to the balances with the lowest APRs. If you pay an amount in excess of the minimum required payment, the excess\nwill then be applied first to the balances with the highest APRs. Payments are credited the same day if they are: (i) received by\n5:00 p.m., Monday through Friday (excluding holidays) at the address indicated on the Account Statement, (ii) are paid with a\ncheck drawn against the Bank, and (iii) accompanied with the payment stub. If the payment is made through a branch of the\nBank, it will be processed the next business day retroactively to the date it was received. Electronic payments received by the\nBank will also be credited the next business date retroactively to the date it was received.\nMONTHLY ACCOUNT STATEMENT: The Bank shall mail to you a monthly Account Statement at the end of each billing period.\nIn each Account Statement the following entries will be shown, as applicable: previous balance, payments, credits, debits,\npurchases, balance transfers from other institutions, convenience checks and cash advances made within the same period, the\nFINANCE CHARGE, the ANNUAL PERCENTAGE RATE, the total new balance, the minimum payment and the due date for\nsaid payment. You must notify the Bank in writing of any error in the Account Statement within sixty (60) days following the date\non which the statement was mailed.\nFEES: The currency conversion fees for international transactions will be billed in US Dollars by either Visa International and/or\nMasterCard International depending on your card. Please refer to the \xe2\x80\x9cFees\xe2\x80\x9d section on the table included.\nCREDIT LINE AVAILABILITY HOLD: From time to time the Bank may apply a Credit Line Availability Hold to your account if your\npayment is returned for any reason or multiple payments are received in same statement period. The Hold will delay for up to a 4\nday period the availability on the credit line for an amount equal to the payment made.\nSKIP A PAYMENT: From time to time, if a pre-established criteria is met, you may be eligible, to skip making the Minimum\nPayment for certain billing cycles. If you receive this offer, your account statement will show that the required Minimum Payment\nfor that period is of zero dollars ($0), and you may not have to make the Minimum Payment for that billing cycle. Note that if you\ndecide to skip a payment the account will continue to accrue Interest Charges on the unpaid balance during that period.\nNonetheless, you can always make a payment for any amount. At the end of the skip a payment period, the terms of the\nAgreement regarding the required Minimum Payment will automatically resume.\nDEFAULT: You will be in default under this Agreement if you do not pay an installment on time, file for bankruptcy, or\nexceed your credit limit without the Bank's authorization. In the event of default, the Bank may demand immediate payment of\nthe full balance due. If the Bank has to refer collection of the balance to an attorney, you may have to pay legal and attorney\nfees, plus court costs and any other fees allowed by law.\nANNUAL FEE: Please refer to the \xe2\x80\x9cAnnual Fee\xe2\x80\x9d section on the Rates and Fees table included in this agreement. The ANNUAL\nFEES will be reflected on your Account Statement on each anniversary of the issuance of the first Card whether or not you used\nyour account.\n\n\x0cDENIAL OF CREDIT: The Bank is not responsible if a purchase or cash advance on your account is not approved either by the\nBank or by a third party, even if you have sufficient credit available. The Bank may limit the number of purchases or cash\nadvances which may be approved in any day. If the Bank detects unusual or suspicious activity on your account, the Bank may\ntemporarily suspend your credit privileges until it can verify that the transaction is legitimate. The Bank may approve purchases\nor cash advances which cause the balance to exceed your credit limit without waiving any of its rights under this Agreement.\nLOST OR STOLEN CARDS: If the Card is lost or stolen, or if you suspect that someone could be using it without your\nauthorization you must immediately notify the Bank and complete and submit such forms or reports as the Bank may require. In\nthe event of loss, theft, or possible unauthorized use of the Card, you may be responsible for the unauthorized use of the Card\nup to an amount not exceeding $50.00, unless you have notified the Bank of the loss, theft, or possible unauthorized use of the\nCard, prior to any purchase or cash advance, by calling TOLL FREE (855) 701-2265 or COLLECT (787) 751-2265. Text\nteletype device (TTY) for the hearing impaired phone number: 787-282-4267.\nYOUR BILLING RIGHTS:\nKeep this Document For Future Reference\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Think You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us:\nFirstBank\nPO Box 84025\nColumbus, GA 31908-4031\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 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 may contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential 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.\n\nWithin 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.\n\n2.\n\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount. But, if we determine that we made a mistake, you will not pay the amount in question or any interest or\nother 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\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there is a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report\nyou 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 refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning the bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know the matter has been\nsettled between us.\nIf we do not follow all the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe 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 is necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from the ATM or with a\ncheck that accesses your credit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFirstBank\nPO Box 84025\nColumbus, GA 31908-4031\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.\nAMENDMENTS: You agree that the Bank may change the INTEREST RATE, ANNUAL PERCENTAGE RATE, FINANCE\nCHARGES, and other terms contained in this Agreement, on the condition that the Bank gives you notice of such changes as are\nrequired by any applicable law and/or regulation. If you do not agree with the amendments notified and desire to cancel the\nAgreement, you must notify your decision in writing to Bank the within fifteen (15) days from the date on which the amendment\nnotification was mailed, and continue to pay the balances owed in accordance with the terms and conditions in effect at the time\nof the notice of amendment.\nCANCELLATION: You may cancel your account at any time by providing written notice to the Bank and returning the Card cut in\nhalf or by phone. The Card is property of the Bank and it reserves the right to cancel or suspend your right to use it at any time,\nwith or without cause, and without prior notice. You will remain responsible for the payment of any balance owed at the time of\ncancellation.\n\n\x0cMISCELLANEOUS PROVISIONS: The failure on the part of the Bank to exercise any right under this Agreement shall not\nconstitute a waiver of said rights. If any clause or part of a clause of this Agreement is declared null by a court of law or is left\nwithout effect by legal or regulatory provisions, the rest of the provisions of this Agreement will not be affected and shall continue\nto be in effect. You understand and agree that the Cards can only be used for commercial purposes. The Bank reserves the right\nto convert your account, at its discretion, to any other revolving account of the Bank at any moment, subject to you meeting\nthe established credit criteria for the new account. We may at any time, and without notice to you, sell, assign or transfer your\naccount, any amounts due on your account, this Agreement, or our rights or obligations under your account or this Agreement to\nany person or entity. The person or entity to which we make any such sale, assignment or transfer shall be entitled to all of our\nrights and shall assume our obligations under this Agreement, to the extent sold, assigned or transferred. You have no obligation\nto accept this Card, nor will you be held responsible for any charges, unless you choose to accept it. Use of this Card shall\nconstitute its acceptance. If you choose not to accept the Card, you must notify the Bank within fifteen (15) days after receiving it\nwithout having used it. To notify that you do not wish to accept the Card, please call TOLL FREE (855) 701-2265 or COLLECT\n(787) 751-2265. Text teletype device (TTY) for the hearing impaired phone number: 787-282-4267. Life, disability,\naccidental death and dismemberment, or involuntary unemployment insurance coverage is optional and is not a requirement or\ncondition to extend credit. This Agreement shall be interpreted in accordance with the laws of the Commonwealth\nof Puerto Rico.\nDIRECT DISPUTE NOTICE (CREDIT REPORTING DISPUTES): If you believe we have furnished inaccurate or incomplete\ninformation about you or an account to a credit reporting agency, write to us at: PO BOX 9146 Mail code 273, San Juan, PR\n00908-0146. Please include sufficient information to identify the account or other relationship which is in dispute, including: the\naccount number, name, address, and telephone number, if applicable; a description of the claim including specific information of\nthe dispute and an explanation of the reason for your complaint; and all documentation supporting your claim or any other\nnecessary information that may be required by the Institution. This documentation may include: a copy of the relevant part or\nsection of your Credit Report which is the basis for the claim or the portion of the Credit Report which includes the incorrect\ninformation; a complaint from the Police; an identity theft or fraud affidavit; and, copies of your account statements; among other\ndocuments that you may present to support your claim.\t\r \xc2\xa0\n\nFirstBank Card Services (rev 12/15)\n\n\x0c"