b'Revolving Account Plan Agreement\n-----------------------------------------------Santander JetBlue MasterCard\xc2\xae\nThis document and the terms and conditions of your credit card that are disclosed in offers thru promotional letters, telephone, Internet or any\nother means constitute its Revolving Account Plan Agreement with Banco Santander Puerto Rico (hereinafter the "Agreement"). The use of\nthe Credit Card (hereinafter the \xe2\x80\x9cCard\xe2\x80\x9d) which is issued by Banco Santander Puerto Rico (hereinafter the "Bank") at the request of the person\non behalf of whom the Card is issued (hereinafter the "Holder") shall be governed by the following terms, conditions and clauses:\nUSE OF THE CARD: The Holder can use the Card to purchase and/or lease goods and services in those establishments where the Card is\naccepted and to obtain cash advances from the Bank or any other bank that accepts the Card, subject to those limitations that from time to\ntime is established by the Bank or the associated Bank to which the Card is presented. Similarly, the Holder may perform balance transfers\nsubject to the availability of his credit line. As a fraud prevention measure your card will be blocked for use outside of Puerto Rico and United\nStates. The cardholder will be responsible to notify the Bank by calling Banco en Casa at 787-281-2000 or 1-800-726-8263 prior to traveling\noutside of Puerto Rico. This will provide greater security on your transactions and will allow the use of your card abroad, preventing your card\nfrom being blocked. The holder shall owe the Bank the amount charged to his account for using the Card, plus any Interest Charges to be\ndetermined, which will become payable in the legal tender of the United States of America, in its entirety or in monthly installments, in\naccordance with the provisions set forth in this Agreement.\nCREDIT LIMIT: The initial credit limit granted by the Bank for the Holder\xe2\x80\x99s account will be notified to him upon receipt of the Card. Also, on\neach monthly account statement the existing credit limit will appear as of the date of the statement. The Holder agrees that the Bank may\nchange his credit limit from time to time based on his credit assessment. The Holder may not exceed the credit limit approved by the Bank and\nby doing so the Bank will have the right to cancel the Card, require its return or seize it and close the account. Any amount in excess of the\nlimit approved by the Bank shall be paid by the Holder at sight.\nINTEREST CHARGES: The Interest Charges are computed only on the principal balance. The Holder shall pay Interest Charges monthly\non the balance of his account during the billing period, as described below, which will never be higher than the rate established by the\ncorresponding laws and regulations. The Interest Charges of the Santander JetBlue MasterCard from Banco Santander for goods and\nservices and cash advances varies in accordance with the applicant\'s credit score at the time of the credit assessment, which can range from\n0.8291% up to 2.1625% (Periodic Rate), equivalent to an Annual Percentage Rate (APR) ranging from 9.95% up to 25.95%. If the rate\ndisclosed in the offer that was made to you by Banco Santander Puerto Rico thru promotional letter, telephone, Internet or any other means is\ndifferent to this, the Periodic Rate will be computed by dividing the Annual Percentage Rate applicable to your account between twelve (12).\nAn Interest Charge will be imposed on purchases charged to this account by applying the specified Monthly Periodic Rate to the Average Daily\nBalance. This balance is obtained by taking the initial balance for each day in the billing period, subtracting payments and credits and adding\nthe purchases, except purchases made in billing periods where the opening balance of the period is $0 or the initial balance is paid in full\nwithin the period. Then we add all daily balances within the billing period and divide this total by the number of days within the period. The\nresult is the Average Daily Balance. No Interest Charges will be imposed for billing periods where there is no previous balance or during\nwhich payments and credits match or exceed the previous balance. With regard to Interest Charges for cash advances, they shall be\nimposed by applying the specified Monthly Periodic Rate to the Average Daily Balance as of the date on which the Holder and/or the persons\nauthorized by the Holder received such cash advances until its total payment.\nPENALTY RATE: The Annual Percentage Rate (APR) (including promotional rates) that applies to existing balances as well as new\npurchases of goods and services, cash advances and balances transferred to your account, may increase to 29.99% APR if the following\ncondition occurs:\n\xe2\x80\xa2 The minimum payment on your account is not received for two (2) consecutive billing periods.\nYour account will be eligible to return to the regular Annual Percentage Rate (APR) once the account is up to date and you have made six (6)\nconsecutive minimum payments on or before the corresponding due dates. The Bank shall notify the increase in the penalty rate with no less\nthan forty-five (45) days prior to the effective date of the increase.\nPROMOTIONAL RATES: If the Holder has been granted at a promotional rate (Annual Percentage Rate (APR) applicable to existing\nbalances, new purchases of goods and services, balance transfers and cash advances charged to your account) the same will be in effect\nduring the term specified in the offer made by the Bank. However, if the Holder decides to cancel his account before the end of the\npromotional rate period, he will lose the benefits of the promotional rate and will be charged at the corresponding regular rate for his account\nfor the existing balance as of the date of cancelling his Card.\nANNUAL FEE: As user of the Card the Holder undertakes to pay the Bank a non-refundable Annual Fee of $40, for the Santander JetBlue\nMasterCard. Annual fees will be charged in your first account statement and successively on each anniversary of the issuance date of the\nCard, when the annual fee charge applies. When the annual fee do not apply, or is reduced, thus will be made available through offers by\nletter, telephone, Internet or any other means. Additional Cards: The Holder may request additional Cards under his account to be used by\nthose other persons designated by the Holder, in which case the Holder is always jointly and severally responsible for payment in full of all\npurchases and cash advances made through the use of these additional Cards and the corresponding Interest Charges. If the Holder\nrequests an additional Card, he will pay the Bank an additional non-refundable Annual fee of $30. There will be no charge for additional Cards\nin the case of the Card that the Bank has in promotion from time to time. When the additional Card fee does not apply, or is reduced, thus will\nbe made available through offers by letter, telephone, Internet or any other means.\nMONTHLY ACCOUNT STATEMENT: Every month the Bank will send the Holder an Account Statement at the end of each billing period\nwhich shall indicate, as applicable, the following items: Previous Balance, Payments and Credits, Debits, Purchases of Goods and Services\nand Cash Advances during the period in question, the Interest Charges, the Percentage Rate, expressed monthly and annually, the closing\ndate of the billing period, the Average Daily Balance, the New Balance Total, the minimum payment, the due date of said payment, Notice\nabout Late Payment, Notice about Minimum Payment, reference on Credit counseling and Sections of Charges and Interest Collected during\nthe year, among other items. The Holder shall notify in writing to the Bank any error in the monthly Account Statement within sixty (60) days\nfollowing the date on which the statement is sent.\nOTHER FEES: Returned Checks Fee \xe2\x80\x93 A charge of $10 will be added to the existing purchases balance for each payment made to your\nCredit Card by a check returned for the following reasons: not available or non collected funds, insufficient funds or any other reason why the\ncheck can not be processed. Late Payment Fee \xe2\x80\x93 an amount equal to the minimum payment up to a maximum of $38 will be added to the\nexisting purchases balance for each billing period when the minimum payment is not made at the due date. Cash Advance Fee \xe2\x80\x93 a charge\nequal to 2% of the amount of the cash advance is added (minimum charge: $2; maximum: $10) for each advance retrieved either via\nwithdrawal in automatic teller machines or branch offices or through a convenience check (Bankcard check).\nJOINT ACCOUNTS: Joint account holders are jointly and severally responsible for all purchases and cash advances made under the credit\nplan. The Bank may require the appearance and signature of both to process certain instructions or requests that include, but are not limited to\n(1) request for increase or decrease in the credit line, (2) issuance of additional Cards, and (3) change in the address to which the account\nstatement of the credit plan is sent. Both agree to release and indemnify the Bank from all liability for damages, losses or expenses arising as\na result of any action taken by the Bank in compliance with the instructions given by any of the Holders.\nNON-COMPLIANCE: In the event of insolvency, bankruptcy, or death of the Holder, or if he ceases to satisfy any obligation with the Bank\nunder this Agreement, the total debt of the Holder to the Bank shall be, at the sole discretion of the Bank, due immediately and shall be\npayable according to the pertinent provisions of the current laws and regulations. If such non-compliance arises by reason of failure to comply\nwith the payments required under the provisions of this Agreement, any debt will be due under any of the following conditions:\n\xe2\x80\xa2 If the debtor defaults on the payment for three consecutive terms.\n\xe2\x80\xa2 If the debtor defaults on the payment of one or more installments and on two or more occasions had defaulted in paying two or more\nconsecutive terms.\n\xe2\x80\xa2 If the debtor makes a partial payment of an overdue installment and makes three consecutive payments later but still does not pay the\nremaining balance of the partial payment due.\n\n\x0cMINIMUM PAYMENT: The holder may pay the New Balance total in its entirety or in monthly installments. If payment is made in monthly\ninstallments, the Minimum Payment will be:\nIf the balance due is:\n\nMinimum Payment will be:\n\n$ 0.01 to $ 9.99\n\nNew balance or accrued interest at the close of the billing\ncycle, whichever is greater\n\n$ 10.00 to $600.00\n$600.01 onwards\n\n$10.00 or accrued interest at the close of the billing cycle,\nwhichever is greater\n1/60 or accrued interest at the close of the billing cycle,\nwhichever is greater\n\nIn addition, the minimum monthly payment shall include the total amount in excess of your authorized credit limit. The holder may pay at any\ntime the New Balance Total or any part of this that is greater than the required minimum monthly payment.\nPAYMENT APPLICATION: If the Holder pays the minimum payment required in the monthly account statement, the payment will be applied\nas follows: first to Interest Charges, and the remainder will be applied proportionately to amount owed by concept of goods and services and\ncash advances, in accordance with the New Balance that each one of these headings will yield on the billing date of the monthly account\nstatement. If the Holder pays an amount in excess of the required minimum payment, it may stipulate in writing at the time of making the\npayment that the excess be applied to cash advances and goods and services, or be distributed proportionally. In the absence of such a\ndeclaration, the excess shall be applied to the debt with the highest rate of Interest Charges.\nPAYMENTS APPLICATION ON THE SAME DAY: The Bank will credit the payment made by the Holder the same day it is made: (a) in cash\nor in check through one of the Bank branch offices, prior to the closing time from Monday through Friday; (b) electronically before 5:00 p.m.\nMonday through Friday; (c) by mail together with the payment coupon to the address listed on the account statement of the Holder. If the\npayment is received by the Bank on weekend or holiday, the payment will be credited to the account the next business day. In case of\npayments received by check the Bank shall defer the availability of funds equivalent to the amount of the payment, for a period of up to five (5)\nbusiness days. This will not entail additional charges to your account for Interest Charges.\nCURRENCY CONVERSION CHARGES: Your statement will reflect in US dollars any transaction in foreign currency. The process of foreign\ncurrency conversion to U.S. dollars shall be made by MasterCard International (jointly, the "Associations" or individually, the "Association"),\ndepending on your Card, using:\n(A) An exchange rate selected by the applicable Association from the different rates available in the foreign exchange market during the date\nin which your transaction is processed. The exchange rate used by the Association to those effects could be different from the rate received by\nthe applicable Association, or (B) the exchange rate decreed by the government for the date on which your transaction is processed.\nMasterCard International will charge a fee for currency conversion of 1% of the transaction amount made in foreign currency.\nDENIAL OF CREDIT: The Bank is not liable if a purchase or cash advance is not authorized by the Bank or a third party even in the event of\nthe Holder having available credit. The Bank may limit the number of purchases or cash advances approved during one day. If the Bank\ndetects some unusual or suspicious activity on the account, the Bank can temporarily suspend the credit until the legitimacy of the transaction\nis verified. The Bank could temporarily suspend the credit, if the Holder has any existing debt with the Bank that is in arrears. The Bank could\napprove purchases or cash advances exceeding the credit limit without renouncing its rights under this Agreement. The Holder acknowledges\nand agrees that the Bank shall have no liability or obligation for communications, acts or omissions of the establishments including their\nrefusal to accept the Card, as well as for defects, quality, weight, quantity or any other aspect relating to the delivery or provision of the goods\nand/or services that are purchased or obtained through the use of the Card.\nLOST OR STOLEN CARD: If the Card is misplaced or stolen or the Holder suspects that someone could use it without his permission, the\nHolder shall immediately notify the Bank by calling (787) 281-2000 or 1-800-726-8263, 24 hours, and complete and submit those forms or\nreports required by the Bank. The Holder is not liable for fraudulent transactions that occur in the event of loss, theft or unauthorized use.\nAMENDMENTS: As required by law, this Agreement includes the disclosures in terms and conditions of your Credit Card. The Bank cannot\nguarantee that the terms and conditions of your Credit Card are unchanged. They can change in accordance to the applicable laws and\nregulations; also, changes based on your credit history, market conditions, and business strategies and for any other reason, may occur. If any\nchanges occur, they will be notified in accordance with the applicable laws and regulations. If these changes are not addressed in any law or\nregulation, they will be notified 10 days prior to the changes. The Interest Charges, periodical rates and other terms and conditions contained\nin this Agreement may be amended by the Bank after having elapsed 12 months from opening the account. Any amendment regarding\nInterest Charges shall apply to new purchases of goods and services and cash advances that originate as of the effective date of the change,\nas permitted by laws and regulations. If the Holder does not agree with the notified amendments and wishes to terminate the Agreement, he\nmust notify the Bank in writing of his decision and return the Card cut in half before the effective date of the notified changes and will continue\nto pay the balances owed under the account, in accordance with the terms and conditions previously in effect. Any change in the Interest\nCharges that occur on or before the date that the requested credit was approved shall be notified through a notification accompanied with the\nCard to the Holder, who, through the use of the Card confirms his acceptance of the change.\nCANCELLATION: The Card is property of the Bank and the bank may cancel it at any time without prior notice to the Holder, who is obliged to\nreturn any Card issued, at the request of the Bank. If you do not agree to the terms of this Agreement, you may cancel it at any time by giving\nwritten notice to the Bank to these effects, and the return of the Card cut in half. You will remain responsible for the payment of any balance\nowed at the time of cancellation. If at the time of cancellation you have an outstanding balance with a special offer, the regular terms in effect\nat the time will apply to your outstanding balance.\nYou may use your card only for personal, family or household purposes. You may not use your card for illegal purposes or for internet\ngambling (even if legal). However, you are still responsible for any transactions that you enter into, even if in violation of law or this Agreement.\nYou must take reasonable steps to prevent unauthorized use of your Account. Subject to applicable law we may cancel or convert your\nAccount to any of our other revolving accounts.\nMISCELLANEOUS PROVISIONS: The Bank is authorized by the Holder to investigate the Holder\xe2\x80\x99s credit references and reserves the right to\nissue or not issue, renew or not renew the Card depending on the Holder\xe2\x80\x99s ability to pay and credit references. Failure by the Bank to exercise\nany right under this Agreement shall not constitute a waiver of such right. If any provision of this Agreement is declared invalid by a Court or\nceases to have effect by legislative or regulatory provision, the remaining provisions of this Agreement will continue in force. The Holder will\nestablish a secret number to be able to access cash advances against his account through Automatic Teller Machines. The Holder undertakes\nand agrees to maintain the confidentiality of such secret number to avoid the use of the Card by unauthorized persons, and agrees not to\ndisclose or have the secret number written next to the Card. The limit of cash advances will be established by the Bank from time to time.\nWhen the Card is used outside Puerto Rico or in another associated bank, the limit established will be governed by the associated bank to\nwhich the Card is presented. The Holder may instruct the Bank to debit his Bank deposit accounts for any amount to cover payments due or\nthe total balance of the debt. The Bank, at its sole discretion, may not authorize cash advances and/or purchases of goods and services when\nthe account is in arrears for thirty days or more and/or when the outstanding balance is above the limit of the credit granted.\nThe Holder is not obliged to accept the Card nor will be responsible for any charges unless he chooses to accept it by using it. If the Holder\ndoes not accept the Card, he shall notify the Bank within fifteen (15) days after receiving this Agreement without having used the Card. The\nuse of the Card by the Holder or any person authorized by the latter constitutes acceptance by the Holder of each and every one of the terms,\nclauses and conditions disclosed under this Agreement. This Agreement shall be governed by and construed under the laws and regulations\nof the Commonwealth of Puerto Rico and the applicable federal laws and regulations. In case the Holder is offered any insurance for life\nprotection, disability or involuntary unemployment or some other coverage by the Bank or any third party (whether or not a Bank affiliate) such\ninsurance is optional and is not a condition for extending credit.\nINFORMATION OF THE \xe2\x80\x9cTRUE BLUE\xc2\xae\xe2\x80\x9d PROGRAM AND THE POINTS YOU ACCUMULATE FOR USING THE SANTANDER JETBLUE\nCARD.\nYou authorize us to report to JetBlue Airways the points you accumulate with your account. In addition, you authorize us to share with JetBlue\nAirways information on your accumulated points for transactions carried out with the Santander JetBlue MasterCard Card.\n\n\x0cYou will accumulate points in the TrueBlue\xc2\xae Program for purchase transactions as long as your account is up to date and it is open the day the\ntransaction in your account is registered. Points are calculated by multiplying the amount of the transaction by the accumulation of points per\ndollar as appropriate. The Bank will award points for the use of the Card as follows: one (1) point for every dollar in purchase transactions and\ntwo (2) points for every dollar in transactions with JetBlue Airways. The total points per transaction will be rounded to the nearest integer and\nwill be considered for the total points reported to TrueBlue after each billing cycle.\nThe Bank will report the points accumulated with your Credit Card to the TrueBlue Program provided your account is up to date and in good\ncondition the day of your billing cycle. Points accumulated with your credit card that have not been reported to TrueBlue because on the\nclosing day of your billing cycle the account was not up to date and in good condition, will be reported to TrueBlue in the future if the account is\nupdated or is reopened. You can access your accumulated points through www.jetblue.com.\nDisputes over amounts or purchases made in violation of the law or of this Agreement will not be included in the calculation for the Points\nprogram. The Bank reserves the right to revoke awarded Points based on purchases where the Cardholder returns the goods and receives a\ncredit to his account.\nJetBlue Airways reserves the right to change or cancel these Program rules, in part or in its entirety, at any time, at its sole discretion, without\nnotice or liability to you, by publishing an updated text on www.jetblue.com. Periodically check these rules to make sure you know of any\nchanges and to become familiar with the most current version. Rewards for travel, the accumulation of points and TrueBlue special offers are\nsubject to government regulations.\nProvides that if a member of the TrueBlue Program commits abuse, fraud or any other violation of the corresponding rules, JetBlue Airways\nmay take administrative and/or legal actions according to relevant government authorities, including taking actions provided for in the\nTrueBlue\xc2\xae rules. Such actions may include, without restrictions, the loss of all points, the loss of any points accumulated in a TrueBlue\xc2\xae\nmember account, the deduction of TrueBlue\xc2\xae points as well as cancellation of the account and ban future participation of the member in\nTrueBlue\xc2\xae.\nThe rewards for travel, the accumulation of points and the TrueBlue special offers are subject to federal, state, and local regulations.\nVisit www.jetblue.com/TrueBlueterms to obtain all the details of the TrueBlue Program.\nTrueBlue is a registered trademark of JetBlue Airways.\nBILLING RIGHTS: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotification to the Bank in case of errors or doubts on the account statement: the Holder shall notify in writing to the Bank if he believes that\nthe account statement is incorrect or needs more information about a transaction in the statement. The Holder must write, on a separate\nsheet, at the address indicated in the account statement, as soon as possible. This notification must be no later than sixty (60) days since the\nBank sent the first statement on which the error or problem appeared. The Holder may call the Bank by telephone, but this way your rights do\nnot prevail. The Holder must send a letter with the following information: name and lastname, account number, amount of money of the\nalleged error, description of the error. If you need more information, you must include a description of the item on which you have any\nquestions. If the Holder has authorized the Bank to pay the account statement automatically from his savings or checking account, the Holder\ncan stop the payment of any amount he understands that it is incorrect.\nRIGHTS AND RESPONSIBILITIES OF THE BANK AFTER HAVING RECEIVED THE WRITTEN NOTIFICATION FROM THE HOLDER: the\nBank must acknowledge receipt of the letter within thirty (30) days, unless the error has been corrected within this period. After receiving his\nletter, within a period equivalent to two billing cycles, but no more than ninety (90) days, the Bank must correct the error or explain to you why\nwe understand that the invoice is correct. After receiving the written notification, the Bank should not try to collect any amount that the Holder\nhas questioned, nor report him as delinquent. The Bank may continue to bill the amount that the Holder has questioned, including Interest\nCharges and may apply any amount due to his credit line. The Holder does not have to pay any amount in dispute while the Bank is\ninvestigating, but the Holder will be obligated to pay the parts of his invoice that are not in dispute. If the Bank determines that there was an\nerror in the invoice, the Holder will not have to pay Interest Charges related to the portion of the invoice that is in dispute. If it is determined\nthat there was no error on the invoice, the Holder shall pay Interest Charges and update any payment in the amount of the dispute. In any\ncase, the Bank will send you an account statement for the unpaid amount and the due date. If the Holder does not pay the amount that the\nBank believes it owes, the Bank can report the case as delinquent. However, if the Holder is not satisfied with the Bank\xe2\x80\x99s explanation, and he\nwrites within the next ten (10) days informing that he still refuses to pay the Bank, the Bank shall inform any organization to whom he has been\nreported as delinquent that the Holder has a dispute regarding the invoice. Also, the Bank must inform the Holder on the identity of any\norganization he has been reported to, that there has been a resolution once the matter has been resolved. If these rules are not followed, the\nBank may not charge the first $50 of the amount in dispute, even if it is determined that the invoice was correct.\nSPECIAL RULES ON PURCHASES WITH CREDIT CARDS: if there are problems with the quality of the goods or services purchased with\nCredit Cards and you have tried in good faith to correct the problem with the vendor, you may have the right to not pay the remaining debt\nbalance related to those products or services. There are two limitations on this right: a) the purchase must have been made in your state of\nresidence ("home state"), or if you are not in your state of residence, within 100 miles of your mailing address, and (b) the purchase price must\nbe greater than $50. These limitations do not apply to the vendor where you purchased the goods or services if this is owned or controlled by\nthe Bank or if the Bank sent you a promotional notice or advertising of their goods or services.\nBanco Santander Puerto Rico-Credit Cards Division-PO BOX 362589 SAN JUAN, PR 00936-2589\n(REV 03/18)\n\n\x0cInterest Rates and Interest Charges\nAnnual percentage rate\n(APR) on Purchases\nAnnual percentage rate\n(APR) on Balance\nTransfer\nAnnual percentage rate\n(APR) in cash advances\n\nPenalty APR and When\nit Applies\n\nPaying Interest\n\nFor Credit Card tips\nfrom Consumer\nFinancial Protection\nBureau\n\n9.95 % to 25.95 %, at the time of opening the account, based on your\ncredit history.\n9.95% to 25.95%, at the time of opening the account, based on your credit\nhistory.\n22.95% to 25.95%, at the time of opening the account, based on your credit\nhistory.\n29.99% APR\nIt applies to account balances, including new purchases, cash advances and\ntransferred balances if the following condition occurs:\na. The minimum payment is not received for 2 consecutive billing periods.\nHow long will the penalty APR apply?\nIf your annual percentage rate increases for this reason the non-compliance\nrate will apply until you have made at least six (6) consecutive minimum\npayments on or before its due date.\nYour due date is at least 27 to 32 days after the close of each billing cycle. You\nwill not be charged interest from the time you purchased goods or services, if\nyou pay your full account balance by the Payment Due Date. In the event you\ndon\xe2\x80\x99t pay the full account balance, while in the Grace Period, you will not pay\ninterest on the amount paid for that cycle. On subsequent cycles you will not\nhave a Grace Period until you pay your full account balance on time. Amounts\nrelated to certain offers will not be taken into consideration in determining the\nGrace Period, please refer to the offer terms and conditions. Interest on cash\nadvances, balance transfers to other institutions and convenience checks will\nbe imposed from the date that the transaction occurred and will continue to\naccrue until paid in full.\nFor information on factors to consider when ordering or using credit\ncards, visit the Consumer Financial Protection Bureau on its Website at:\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\n\nAnnual Fee\n\n$40\n\nAdditional Card Annual Fee\n\n$30\n\nTransactions Fees\nCash Advance and Balance\nTransfers\nForeign Transaction\nPenalty Charges\nLate Payment\nReturned Payment\n\nCash advances and/or transfer balance: 2% of the advance; minimum $2,\nmaximum $10.\nCurrency conversion: 1% of the transaction amount made in a foreign\ncurrency.\n\nUp to a maximum of $38\n$10\n\nHow We Will Calculate Your Balance: We use the daily balance method (including new transactions).\nLoss of Introductory APR: We may end your introductory APR and apply the Purchases Standard APR if you\nclose your account or if you miss a payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\nBanco Santander Puerto Rico, Member FDIC. Lic. OCIF IB-17.\n\n\x0c'


b'Revolving Account Plan Agreement\n-----------------------------------------------MasterCard\xc2\xae, VISA\xc2\xae y American Express\xc2\xae\n\nThis document and the terms and conditions of your credit card, that are disclosed in offers thru promotional letters, telephone, internet or any\nother means constitute its Revolving Account Plan Agreement with Banco Santander Puerto Rico (hereinafter the "Agreement"). The use of\nthe Credit Card (hereinafter the \xe2\x80\x9cCard\xe2\x80\x9d) which is issued by Banco Santander Puerto Rico (hereinafter the "Bank") at the request of the person\non behalf of whom the Card is issued (hereinafter the "Holder") shall be governed by the following terms, conditions and clauses:\nUSE OF THE CARD: The Holder can use the Card to purchase and/or lease goods and services in those establishments where the Card is\naccepted and to obtain cash advances from the Bank or any other bank that accepts the Card, subject to those limitations that from time to\ntime is established by the Bank or the associated Bank to which the Card is presented. Similarly, the Holder may perform balance transfers\nsubject to the availability of his credit line. As a fraud prevention measure your card will be blocked for use outside of Puerto Rico and United\nStates. The cardholder will be responsible to notify the Bank by calling Banco en Casa at 787-281-2000 or 1-800-726-8263 prior to traveling\noutside of Puerto Rico. This will provide greater security on your transactions and will allow the use of your card abroad, preventing your card\nfrom being blocked. The holder shall owe the Bank the amount charged to his account for using the Card, plus any Interest Charges to be\ndetermined, which will become payable in the legal tender of the United States of America, in its entirely or in monthly installments, in\naccordance with the provisions set forth in this Agreement.\nCREDIT LIMIT: The initial credit limit granted by the Bank for the Holder\xe2\x80\x99s account will be notified to him upon receipt of the Card. Also, on\neach monthly account statement the existing credit limit will appear as of the date of the statement. The Holder agrees that the Bank may\nchange his credit limit from time to time based on his credit assessment. The Holder may not exceed the credit limit approved by the Bank and\nin doing so the Bank will have the right to cancel the Card, require its return or seize it and close the account. Any amount in excess of the\nlimit approved by the Bank shall be paid by the Holder at sight.\nINTEREST CHARGES: The Interest Charges are computed only on the principal balance. The Holder shall pay Interest Charges monthly\non the balance of his account during the billing period, as described below, which will never be higher than the rate established by the\ncorresponding laws and regulations. The Interest Charges for goods and services and cash advances varies in accordance with the\napplicant\'s credit score at the time of the credit assessment, which can range from 0.8291% up to 2.1625% (Periodic Rate), equivalent to an\nAnnual Percentage Rate (APR) ranging from 9.95% up to 25.95%. If the rate disclosed in the offer that was made to you by Banco\nSantander Puerto Rico thru promotional letter, telephone, internet or any other means is different to this, the Periodic Rate will be computed by\ndividing the Annual Percentage Rate applicable to your account between twelve (12). An Interest Charge will be imposed on purchases\ncharged to this account by applying the specified Monthly Periodic Rate to the Average Daily Balance. This balance is obtained by taking the\ninitial balance for each day in the billing period, subtracting payments and credits and adding the purchases, except purchases made in billing\nperiods where the opening balance of the period is $0 or the initial balance is paid in full within the period. Then we add all daily balances\nwithin the billing period and divide this total by the number of days within the period. The result is the Average Daily Balance. No Interest\nCharges will be imposed for billing periods where there is no previous balance or during which payments and credits match or exceed the\nprevious balance. With regard to Interest Charges for cash advances, they shall be imposed by applying the specified Monthly Periodic Rate\nto the Average Daily Balance as of the date on which the Holder and/or the persons authorized by the Holder received such cash advances\nuntil its total payment.\nPENALTY RATE: The Annual Percentage Rate (APR) (including promotional rates) that applies to existing balances as well as new\npurchases of goods and services, cash advances and balances transferred to your account, may increase to 29.99% APR if the following\nconditions occurs:\n\xe2\x80\xa2 The minimum payment on your account is not received for two (2) consecutive billing periods.\nYour account will be eligible to return to the regular Annual Percentage Rate (APR) once the account is up to date and you have made six (6)\nconsecutive minimum payments on or before the corresponding due dates. The Bank shall notify the increase in the penalty rate with no less\nthan forty-five (45) days prior to the effective date of the increase.\nPROMOTIONAL RATES: If the Holder has been granted at a promotional rate (Annual Percentage Rate (APR) applicable to existing\nbalances, new purchases of goods and services, balance transfers and cash advances charged to your account) the same will be in effect\nduring the term specified in the offer made by the Bank. However, if the Holder decides to cancel his account before the end of the\npromotional rate period, he will lose the benefits of the promotional rate and will be charged at the corresponding regular rate for his account\nfor the existing balance as of the date of cancelling his Card.\nANNUAL FEE: As user of the Card the Holder undertakes to pay the Bank a non-refundable Annual Fee of $24, for Visa Classic, $35 for the\nAmerican Express Standard, $16 for the Visa UCard, $45 for the MasterCard Gold, $55 for the American Express Premium and $50 for the\nSantander MileagePlus VISA. Annual fees will be charged in your first account statement and successively on each anniversary of the\nissuance date of the Card, when the annual fee charge applies. When the annual fee do not apply, or is reduced, thus will be made available\nthrough offers by letter, telephone, internet or any other means. Additional Cards: The Holder may request additional Cards under his\naccount to be used by those other persons designated by the Holder, in which case the Holder is always jointly and severally responsible for\npayment in full of all purchases and cash advances made through the use of these additional Cards and the corresponding Interest Charges.\nIf the Holder requests an additional Card, he will pay the Bank an additional non-refundable annual fee of $9 for the Visa Classic, Visa UCard\nand MasterCard Regular, $10 for an American Express Standard, $15 for the MasterCard Gold, American Express Premium and the\nSantander MileagePlus VISA. There will be no charge for additional Cards in the case of the Card that the Bank has in promotion from time to\ntime. When the additional Card fee does not apply, or is reduced, thus will be made available through offers by letter, telephone, internet or\nany other means.\nMONTHLY ACCOUNT STATEMENT: Every month the Bank will send the Holder an Account Statement at the end of each billing period\nwhich shall indicate, as applicable, the following items: Previous Balance, Payments and Credits, Debits, Purchases of Goods and Services\nand Cash Advances during the period in question, the Interest Charges, the Percentage Rate, expressed monthly and annually, the closing\ndate of the billing period, the Average Daily Balance, the New Balance Total, the minimum payment, the due date of said payment, Notice\nabout Late Payment, Notice about Minimum Payment, reference on Credit counseling and Sections of Charges and Interest Collected during\nthe year, among other items. The Holder shall notify in writing to the Bank any error in the monthly Account Statement within sixty (60) days\nfollowing the date on which the statement is sent.\nOTHER CHARGES: Returned Checks Charge - A charge of $10 will be added to the existing purchases balance for each payment made to\nyour Credit Card by a check returned for the following reasons: not available or non collected funds, insufficient funds or any other reason why\nthe check can not be processed. Late Charges - an amount equal to the minimum payment up to a maximum of $38 will be added to the\nexisting purchases balance for each billing period when the minimum payment is not made at the due date. Cash Advance Fee - a charge\nequal to 2% of the amount of the cash advance is added (minimum charge: $2; maximum: $10) for each advance retrieved either via\nwithdrawal in automatic teller machines or branch offices or through a convenience check (Bankcard check).\nJOINT ACCOUNTS: Joint account holders are jointly and severally responsible for all purchases and cash advances made under the credit\nplan. The Bank may require the appearance and signature of both to process certain instructions or requests that include, but are not limited to\n(1) request for increase or decrease in the credit line, (2) issuance of additional Cards, and (3) change in the address to which the account\nstatement of the credit plan is sent. Both agree to release and indemnify the Bank from all liability for damages, losses or expenses arising as\na result of any action taken by the Bank in compliance with the instructions given by any of the Holders.\nNON-COMPLIANCE: In the event of insolvency, bankruptcy, or death of the Holder, or if he ceases to satisfy any obligation with the Bank\nunder this Agreement, the total debt of the Holder to the Bank shall be, at the sole discretion of the Bank, due immediately and shall be\npayable according to the pertinent provisions of the current laws and regulations. If such non-compliance arises by reason of failure to comply\nwith the payments required under the provisions of this Agreement, any debt will be due under any of the following conditions:\n\xe2\x80\xa2 If the debtor defaults on the payment for three consecutive terms.\n\n\x0c\xe2\x80\xa2 If the debtor defaults on the payment of one or more installments and on two or more occasions had defaulted in paying two or more\nconsecutive terms.\n\xe2\x80\xa2 If the debtor makes a partial payment of an overdue installment and makes three consecutive payments later but still does not pay the\nremaining balance of the partial payment due.\nMINIMUM PAYMENT: The holder may pay the New Balance total in it\xe2\x80\x99s entirely or in monthly installments. If payment is made in monthly\ninstallments, the Minimum Payment will be:\nIf the balance due is:\n\nMinimum Payment will be:\n\n$ 0.01 to $ 9.99\n\nNew balance or accrued interest at the close of the billing\ncycle, whichever is greater\n\n$ 10.00 to $600.00\n\n$10.00 or accrued interest at the close of the billing cycle,\nwhichever is greater\n\n$600.01 onwards\n\n1/60 or accrued interest at the close of the billing cycle,\nwhichever is greater\n\nIn addition, the minimum monthly payment shall include the total amount in excess of your authorized credit limit. The holder may pay at any\ntime the New Balance Total or any part of this that is greater than the required minimum monthly payment.\nAPPLICATION OF PAYMENTS: If the Holder pays the minimum payment required in the monthly account statement, the payment will be\napplied as follows: first to Interest Charges, and the remainder will be applied proportionately to amount owed by concept of goods and\nservices and cash advances, in accordance with the New Balance that each one of these headings will yield on the billing date of the monthly\naccount statement. If the Holder pays an amount in excess of the required minimum payment, it may stipulate in writing at the time of making\nthe payment that the excess be applied to cash advances and goods and services, or be distributed proportionally. In the absence of such a\ndeclaration, the excess shall be applied to the debt with the highest rate of Interest Charges.\nAPPLICATION OF PAYMENTS THE SAME DAY: The Bank will credit the payment made by the Holder the same day it is made: (a) in cash\nor in check through one of the Bank branch offices, prior to the closing time from Monday through Friday; (b) electronically before 5:00 p.m.\nMonday through Friday; (c) by mail together with the payment coupon to the address listed on the account statement of the Holder. If the\npayment is received by the Bank on weekend or holiday, the payment will be credited to the account the next business day. In case of\npayments received by check the Bank shall defer the availability of funds equivalent to the amount of the payment, for a period of up to five (5)\nbusiness days. This will not entail additional charges to your account for Interest Charges.\nCURRENCY CONVERSION CHARGES: Your statement will reflect in US dollars any transaction in foreign currency. The process of foreign\ncurrency conversion to U.S. dollars shall be made by MasterCard International, Visa International and American Express Travel Related\nServices Company, Inc. (jointly, the "Associations" or individually, the "Association"), depending on your Card, using:\n(A) An exchange rate selected by the applicable Association from the different rates available in the foreign exchange market during the date\nin which your transaction is processed. The exchange rate used by the Association to those effects could be different from the rate received by\nthe applicable Association, or (B) the exchange rate decreed by the government for the date on which your transaction is processed.\nMasterCard International and Visa International will charge a fee for currency conversion of 1% of the transaction amount made in foreign\ncurrency and American Express Travel Related Services Company, Inc will charge a 2% fee for currency conversion of the transaction amount\nmade in foreign currency.\nDENIAL OF THE CARD: The Bank is not liable if a purchase or cash advance is not authorized by the Bank or a third party even in the event\nof the Holder having available credit. The Bank may limit the number of purchases or cash advances approved during one day. If the Bank\ndetects some unusual or suspicious activity on the account, the Bank can temporarily suspend the credit until the legitimacy of the transaction\nis verified. The Bank could temporarily suspend the credit, if the Holder has any existing debt with the Bank that is in arrears. The Bank could\napprove purchases or cash advances exceeding the credit limit without renouncing its rights under this Agreement. The Holder acknowledges\nand agrees that the Bank shall have no liability or obligation for communications, acts or omissions of the establishments including their\nrefusal to accept the Card, as well as for defects, quality, weight, quantity or any other aspect relating to the delivery or provision of the goods\nand/or services that are purchased or obtained through the use of the Card.\nLOST OR STOLEN CARD: If the Card is misplaced or stolen or the Holder suspects that someone could use it without his permission, the\nHolder shall immediately notify the Bank by calling (787) 281-2000 or 1-800-726-8263, 24 hours, and complete and submit those forms or\nreports required by the Bank. The Holder is not liable for fraudulent transactions that occur in the event of loss, theft or unauthorized use.\nAMENDMENTS: As required by law, this Agreement includes the disclosures in terms and conditions of your Credit Card. The Bank cannot\nguarantee that the terms and conditions of your Credit Card are unchanged. They can change in accordance to the applicable laws and\nregulations; also, changes based on your credit history, market conditions, and business strategies and for any other reason, may occur. If any\nchanges occur, they will be notified in accordance with the applicable laws and regulations. If these changes are not addressed in any law or\nregulation, they will be notified 10 days prior to the changes. The Interest Charges, periodical rates and other terms and conditions contained\nin this Agreement may be amended by the Bank after having elapsed 12 months from opening the account. Any amendment regarding\nInterest Charges shall apply to new purchases of goods and services and cash advances that originate as of the effective date of the change,\nas permitted by laws and regulations. If the Holder does not agree with the notified amendments and wishes to terminate the Agreement, he\nmust notify the Bank in writing of his decision and return the Card cut in half before the effective date of the notified changes and will continue\nto pay the balances owed under the account, in accordance with the terms and conditions previously in effect. Any change in the Interest\nCharges that occur on or before the date that the requested credit was approved shall be notified through a notification accompanied with the\nCard to the Holder, who, through the use of the Card confirms his acceptance of the change.\nCANCELLATION: The Card is property of the Bank and the bank may cancel it at any time without prior notice to the Holder, who is obliged to\nreturn any Card issued, at the request of the Bank. If you do not agree to the terms of this Agreement, you may cancel it at any time by giving\nwritten notice to the Bank to these effects, and the return of the Card cut in half. You will remain responsible for the payment of any balance\nowed at the time of cancellation. If at the time of cancellation you have an outstanding balance with a special offer, the regular terms in effect\nat the time will apply to your outstanding balance.\nYou may use your card only for personal, family or household purposes. You may not use your card for illegal purposes or for internet\ngambling (even if legal). However, you are still responsible for any transactions that you enter into, even if in violation of law or this Agreement.\nYou must take reasonable steps to prevent unauthorized use of your Account. Subject to applicable law we may cancel or convert your\nAccount to any of our other revolving accounts\nMISCELLANEOUS PROVISIONS: The Bank is authorized by the Holder to investigate the Holder\xe2\x80\x99s credit references and reserves the right to\nissue or not issue, renew or not renew the Card depending on the Holder\xe2\x80\x99s ability to pay and credit references. Failure by the Bank to exercise\nany right under this Agreement shall not constitute a waiver of such right. If any provision of this Agreement is declared invalid by a Court or\nceases to have effect by legislative or regulatory provision, the remaining provisions of this Agreement will continue in force. The Holder will\nestablish a secret number to be able to access cash advances against his account through Automatic Teller Machines. The Holder undertakes\nand agrees to maintain the confidentiality of such secret number to avoid the use of the Card by unauthorized persons, and agrees not to\ndisclose or have the secret number written next to the Card. The limit of cash advances will be established by the Bank from time to time.\nWhen the Card is used outside Puerto Rico or in another associated bank, the limit established will be governed by the associated bank to\nwhich the Card is presented. The Holder may instruct the Bank to debit his Bank deposit accounts for any amount to cover payments due or\nthe total balance of the debt. The Bank, at its sole discretion, may not authorize cash advances and/or purchases of goods and services when\nthe account is in arrears for thirty days or more and/or when the outstanding balance is above the limit of the credit granted.\nThe Holder is not obliged to accept the Card nor will be responsible for any charges unless he chooses to accept it by using it. If the Holder\ndoes not accept the Card, he shall notify the Bank within fifteen (15) days after receiving this Agreement without having used the Card. The\n\n\x0cuse of the Card by the Holder or any person authorized by the latter constitutes acceptance by the Holder of each and every one of the terms,\nclauses and conditions disclosed under this Agreement. This Agreement shall be governed by and construed under the laws and regulations\nof the Commonwealth of Puerto Rico and the applicable federal laws and regulations. In case the Holder is offered any insurance for life\nprotection, disability or involuntary unemployment or some other coverage by the Bank or any third party (whether or not a Bank affiliate) such\ninsurance is optional and is not a condition for extending credit.\nINFORMATION OF THE \xe2\x80\x9cMILEAGEPLUS\xc2\xae\xe2\x80\x9d PROGRAM AND THE MILES YOU EARN FOR USING THE SANTANDER MILEAGE PLUS\nCARD.\nYou authorize us to report to United Airlines the miles you accumulate with your account. In addition, you authorize us to share with United\nAirlines information on your accumulated miles for transactions carried out with the Santander MileagePlus Card.\nYou will accumulate miles in the MileagePlus\xc2\xae Program for purchase transactions as long as your account is up to date and it is open the day\nthe transaction in your account is registered. Miles are calculated by multiplying the amount of the transaction by the accumulation of miles per\ndollar as appropriate. The Bank will award one mile for every $1 USD you charge to your card the total miles per transaction will be rounded to\nthe nearest integer and will be considered for the total miles reported to MileagePlus after each billing cycle.\nThe Bank will report the miles accumulated with your Credit Card to the MileagePlus Program when your account is up to date and in good\ncondition the day of your billing cycle. Miles accumulated with your credit card that have not been reported to MileagePlus because on the\nclosing day of your billing cycle the account was not up to date and in good condition, will be reported to MileagePlus in the future if the\naccount is updated or is reopened. You can access your accumulated miles through www.united.com\nDisputes over amounts or purchases made in violation of the law or of this Agreement will not be included in the calculation for the Mileage\nprogram. The Bank reserves the right to revoke awarded Miles based on purchases where the Cardholder returns the goods and receives a\ncredit to his account.\nUnited Airlines reserves the right to change or cancel these Program rules, in part or in it\xe2\x80\x99s entirely, at any time, at its sole discretion, without\nnotice or liability to you, by publishing an updated text on www.united.com. Periodically check these rules to make sure you know of any\nchanges and to become familiar with the most current version. Bonus for travel, the accumulation of miles and MileagePlus special offers are\nsubject to government regulations.\nProvides that if a member of the MileagePlus Program commits abuse, fraud or any other violation of the corresponding rules, United Airlines\nmay take administrative and/or legal actions according to relevant government authorities, including taking actions provided for in the\nMileagePlus rules. Such actions may include, without restrictions, the loss of all miles, the loss of any miles accumulated in a MileagePlus\nmember account, the deduction of MileagePlus miles as well as cancellation of the account and ban future participation of the member in\nMileagePlus.\nThe bonus for travel, the accumulation of miles and the MileagePlus special offers are subject to federal, state, and local regulations.\nVisit: http://www.united.com/MileagePlusterms to obtain all the details of the MileagePlus Program.\nMileagePlus is a registered trademark of United Airlines.\nBILLING RIGHTS: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotification to the Bank in case of errors or doubts on the account statement: the Holder shall notify in writing to the Bank if he believes\nthat the account statement is incorrect or needs more information about a transaction in the statement. The Holder must write, on a separate\nsheet, at the address indicated in the account statement, as soon as possible. This notification must be no later than sixty (60) days since the\nBank sent the first statement on which the error or problem appeared. The Holder may call the Bank by telephone, but this way your rights do\nnot prevail. The Holder must send a letter with the following information: name and surname, account number, amount of money of the alleged\nerror, description of the error. If you need more information, you must include a description of the item on which you have any questions. If the\nHolder has authorized the Bank to pay the account statement automatically from his savings or checking account, the Holder can stop the\npayment of any amount he understands that it is incorrect.\nRIGHTS AND RESPONSIBILITIES OF THE BANK AFTER HAVING RECEIVED THE WRITTEN NOTIFICATION FROM THE HOLDER: the\nBank must acknowledge receipt of the letter within thirty (30) days, unless the error has been corrected within this period. After receiving his\nletter, within a period equivalent to two billing cycles, but no more than ninety (90) days, the Bank must correct the error or explain to you why\nwe understand that the invoice is correct. After receiving the written notification, the Bank should not try to collect any amount that the Holder\nhas questioned, nor report him as delinquent. The Bank may continue to bill the amount that the Holder has questioned, including Interest\nCharges and may apply any amount due to his credit line. The Holder does not have to pay any amount in dispute while the Bank is\ninvestigating, but the Holder will be obligated to pay the parts of his invoice that are not in dispute. If the Bank determines that there was an\nerror in the invoice, the Holder will not have to pay Interest Charges related to the portion of the invoice that is in dispute. If it is determined\nthat there was no error on the invoice, the Holder shall pay Interest Charges and update any payment in the amount of the dispute. In any\ncase, the Bank will send you an account statement for the unpaid amount and the due date. If the Holder does not pay the amount that the\nBank believes it owes, the Bank can report the case as delinquent. However, if the Holder is not satisfied with the Bank\xe2\x80\x99s explanation, and he\nwrites within the next ten (10) days informing that he still refuses to pay the Bank, the Bank shall inform any organization to whom he has been\nreported as delinquent that the Holder has a dispute regarding the invoice. Also, the Bank must inform the Holder on the identity of any\norganization he has been reported to, that there has been a resolution once the matter has been resolved. If these rules are not followed, the\nBank may not charge the first $50 of the amount in dispute, even if it is determined that the invoice was correct.\nSPECIAL RULES ON PURCHASES WITH CREDIT CARDS: if there are problems with the quality of the goods or services purchased with\nCredit Cards and you have tried in good faith to correct the problem with the vendor, you may have the right to not pay the remaining debt\nbalance related to those products or services. There are two limitations on this right: a) the purchase must have been made in your state of\nresidence ("home state"), or if you are not in your state of residence, within 100 miles of your mailing address, and (b) the purchase price must\nbe greater than $50. These limitations do not apply to the vendor where you purchased the goods or services if this is owned or controlled by\nthe Bank or if the Bank sent you a promotional notice or advertising of their goods or services.\nBanco Santander Puerto Rico-Credit Cards Division-PO BOX 362589 SAN JUAN, PR 00936-2589\n(REV 03/18)\n\n\x0cInterest Rates and Interest Charges\nAMEX\nStandard\n\nCredit Card\n\nAMEX\nPremium\n\nMC\nRedCard\n\nMC\nOro\n\nVISA\nSantander\nMileagePlus\n\nVISA\nCl\xc3\xa1sica\n\nVISA U-Card\n\n1.99%\nAnnual percentage\nrate (APR) on\nPurchases\n\n9.95%\n\n25.95%, at the time of opening the account, based\n\nto\non your credit history.\n\nIntroductory\nAPR on\npurchases for\nthe first 6\nmonths. When\nthe offer\nexpires the\nAPR will be\n\n22.95%\nAnnual percentage\nrate (APR) on\nBalance Transfer\nAnnual percentage\nrate (APR) in cash\nadvances\n\n9.95% to 25.95%, at the time of opening the account, based on your\ncredit history.\n\n22.95%\n\n22.95% to 25.95%, at the time of opening the account, based on your\ncredit history.\n\n24.95%\n\n29.99% APR\nIt applies to account balances, including new purchases, cash advances and transferred\nbalances if the following condition occurs:\nPenalty APR and\nWhen it Applies\n\na. The minimum payment is not received for 2 consecutive billing periods.\nHow long will the penalty APR apply?\nIf your annual percentage rate increases for this reason the non-compliance rate will\napply until you have made at least six (6) consecutive minimum payments on or before\nits due date.\n\nPaying Interest\n\nYour due date is at least 27 to 32 days after the close of each billing cycle. You will not\nbe charged interest from the time you purchased goods or services, if you pay your full\naccount balance by the Payment Due Date. In the event you don\xe2\x80\x99t pay the full account\nbalance, while in the Grace Period, you will not pay interest on the amount paid for that\ncycle. On subsequent cycles you will not have a Grace Period until you pay your full\naccount balance on time. Amounts related to certain offers will not be taken into\nconsideration in determining the Grace Period, please refer to the offer terms and\nconditions. Interest on cash advances, balance transfers to other institutions and\nconvenience checks will be imposed from the date that the transaction occurred and will\ncontinue to accrue until paid in full.\n\nFor Credit Card tips\nfrom Consumer\nFinancial Protection\nBureau\n\nFor information on factors to consider when ordering or using credit cards, visit\nthe Consumer Financial Protection Bureau on its Website at:\nhttp://www.consumerfinance.gov/learnmore.\n\nCharges\nAnnual Fee\nAdditional Card\nAnnual Fee\nTransactions Fees\nCash Advance and\nBalance Transfers\n\nCurrency Conversion\nPenalty Fees\nLate Payment\nReturned Payment\n\nAMEX\nStandard\n\nAMEX\nPremium\n\nMC\nRedCard\n\nMC\nOro\n\n$35\n\n$55\n\n$0\n\n$45\n\nSantander\nMileagePlus\nVisa\n$50\n\n$10\n\n$15\n\n$0\n\n$15\n\n$15\n\nVISA\nCl\xc3\xa1sica\n\nVISA\nU-Card\n\n$24\n\n$16\n\n$9\n\n$9\n\nCash advances and/or transfer balance: 2% of the advance; minimum $2, maximum $10.\n\n2% of the transaction\namount made in a foreign\ncurrency.\n\n1% of the transaction amount made in a foreign currency.\n\nUp to a maximum of $38\n$10\n\nHow We Will Calculate Your Balance: We use the daily balance method (including new transactions).\nLoss of Introductory APR: We may end your introductory APR and apply the Purchases Standard APR if you close your account or if\nyou miss a payment\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nBanco Santander Puerto Rico, Member FDIC. Lic. OCIF IB-17.\n\n\x0c'