b"FIRSTBANK CREDIT CARD AGREEMENT FOR THE BEYOND GLOBAL VISA\xc2\xae OF (THE \xe2\x80\x9cAGREEMENT\xe2\x80\x9d)\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0%\n\nIntroductory APR for the first 15 months that your account is open, for purchases made within the\n\nfirst 6 months of account opening date.\n\nAfter that, your APR will be the U.S. Prime Rate\n\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 7.50% to the U.S. Prime\n\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 21.25%\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\nPenalty APR and When it Applies\n\nRate\nbased on your creditworthiness at the time you opened\nyour account.\n0% Introductory APR for the first 15 months that your account is open, for transfers completed within the\nfirst 6 months of account opening date.\nAfter that, your APR will be the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 7.50% to the U.S. Prime Rate (\xe2\x80\x9cPrime\nRate\xe2\x80\x9d) + 21.25% based on your creditworthiness at the time you opened your account.\nU.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 14.00% to the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 21.25% , based 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.\n\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\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.\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 checks and balance transfers on the transaction date.\nIf you are charged interest, the charge will be no less than $1.50.\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\nFees\nAnnual Fee\n\n$0 Intro fee for 12 months. After that, $50.00.\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)\n1.00% of each transaction in US Dollars.\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.\n\n\x0cLate 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\nReview 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. You also authorize Us to obtain and use your credit bureau reports and any other information about You for the\npurpose of: (1) providing extensions of credit for your account; (2) the administration, review or collection of your account; and (3)\nfor marketing purposes, including but not limited to pre-approvals offers, cross-selling and in offering of other financial or nonfinancial products or services.\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 and 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. You may use the credit card (the \xe2\x80\x9cCard\xe2\x80\x9d) to purchase\nmerchandise and services in those establishments where the Card is accepted, and obtain cash advances from the Bank or any\nother bank that accepts the Card, subject to the limits established from time to time by the Bank. The credit card may not be\nused in any country that is subject to economic sanctions imposed by the U.S. government, and any attempted use of the credit\ncard in such countries will be blocked. The credit card may not be used in connection with online gambling or to fund any\naccount that is set up to facilitate online gambling.\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 or non-financial institution to obtain\ncash, money orders, travelers checks, or wire transfers, perform cash-like transactions (quasi cash) such as the purchase of\nforeign currency from non-financial institutions as well as similar cash transactions such as purchasing lottery tickets, casino\ngaming chips, race track wages, or similar betting transactions, and making payments using a third party service (\xe2\x80\x9cCash\nAdvance\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\n\n\x0cadding 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\nobtained 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 checks\nand balance transfers unless the Bank states otherwise as part of a promotion. The FINANCE CHARGES imposed on cash\nadvances, convenience checks and balance transfers will be assessed from the date of the transaction. If the Wall Street Journal\nstops publishing the prime rate, we will select a similar rate.\nMINIMUM MONTHLY PAYMENT: We will calculate the minimum payment based on 2% of the balance or $15, whichever is\ngreater. In addition, your minimum monthly payment may include finance charges, periodic interest charges, over limit amounts\nand late fees billed in the statement for which your minimum payment is calculated.\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 to the balances with the highest APRs. Payments are credited the same day if they are: (i) received by 5:00\np.m., Monday through Friday (excluding holidays) at the address indicated on the Account Statement, (ii) are paid with a check\ndrawn against the Bank, and (iii) accompanied with the payment stub. If the payment is made through a branch of the Bank, it\nwill be processed the next business day retroactively to the date it was received. Electronic payments received by the Bank will\nalso 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.\nINSTALLMENT PLAN: The Installment Plan enables you to use your credit card for transactions allowing you to determine the\nrepayment period for that balance. The APR, Interest Charges and Monthly Minimum Payment, of your Installment Plan may\nvary for each billing cycle. The APR for your Installment Plan is equivalent to your Standard APR for purchases. The minimum\nmonthly payment of your Installment Plan will be included in the minimum monthly payment due of your account during the term\nof the Installment Plan. You will be responsible to pay the total minimum monthly payment amount as established in your\naccount statement. The Interest Charges will be calculated based on the Average Daily Balance. To pay in full your Installment\n\n\x0cPlan please contact Customer Service in order to obtain the total balance owed. Installment Plan is not available for accounts\nunder Penalty Rate and no grace period applies. If you do not comply with the minimum monthly payments of your installment\nloan, the Late Fee will apply as established in the Credit Card Agreement. The unpaid amount of the Installment Plan in the\nminimum monthly payment requested will be transferred to the Balance Transfers section. If Penalty Pricing applies to your\naccount, the balance pertaining to Installment Plan will remain subject to the Standard APR for Purchases and the corresponding\nterm of Installment Plan will not change. To request an Installment Plan and receive information regarding repayment terms you\nmay contact Customer Service at 787-701-2265 or toll free 1-855-701-2265.\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.\nDENIAL 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 (787) 751-2265. Text teletype device\n(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\n\x0c\xe2\x80\xa2\n\nDescription 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.\n\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\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\n\xe2\x80\xa2\n\xe2\x80\xa2\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.\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.\n\n\x0c3.\n\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 the Bank 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. The Card is property of the Bank and it reserves the right to cancel or suspend your right to use it at any time, with or\nwithout cause, and without prior notice. You will remain responsible for the payment of any balance owed at the time of\ncancellation.\nMISCELLANEOUS 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 cannot 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 (787) 7512265. Text teletype device (TTY) for the hearing impaired phone number: 787-282-4267. Life, disability, accidental death\nand dismemberment, or involuntary unemployment insurance coverage is optional and is not a requirement or condition to\nextend credit. This Agreement shall be interpreted in accordance with the laws of the Commonwealth of Puerto\nRico.\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\n\n\x0cinformation; 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.\n\nFirstBank Card Services (rev 03/17)\n\n\x0c"


b'FIRSTBANK CREDIT CARD AGREEMENT FOR THE BEYOND ONE & BEYOND PLATINUM VISA\xc2\xae & MASTERCARD\xc2\xae\n(THE \xe2\x80\x9cAGREEMENT\xe2\x80\x9d)\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0%\n\nIntroductory APR for the first 15 months that your account is open, for purchases made within the\n\nfirst 6 months of account opening date.\nAfter that, your APR will be the U.S. Prime Rate\n\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 8.50% to the U.S. Prime\n\n(\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 20.75%\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\nPenalty APR and When it Applies\n\nRate\nbased on your creditworthiness at the time you opened\nyour account.\n0% Introductory APR for the first 15 months that your account is open, for transfers completed within the\nfirst 6 months of account opening date.\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) + 20.75% based on your creditworthiness at the time you opened your account.\nU.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 15.00% to the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 20.75% , based 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.\n\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\nTransaction Fees\n-Balance Transfers:\n-Cash Advance:\n-Convenience Checks:\n-Foreign Transactions:\nPenalty Fees\n-Late Payment\n-Returned Check\n\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.\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 checks and balance transfers on the transaction date.\nIf you are charged interest, the charge will be no less than $1.50.\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\n$0\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)\n1.00% of each transaction in US Dollars for Visa.\n1.40% of each transaction in US Dollars for MasterCard.\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\n\x0c* The Daily Periodic Rate for the Penalty APR is 0.0822%\n\nReview 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. You also authorize Us to obtain and use your credit bureau reports and any other information about You for the\npurpose of: (1) providing extensions of credit for your account; (2) the administration, review or collection of your account; and (3)\nfor marketing purposes, including but not limited to pre-approvals offers, cross-selling and in offering of other financial or nonfinancial products or services.\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 and 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. You may use the credit card (the \xe2\x80\x9cCard\xe2\x80\x9d) to purchase\nmerchandise and services in those establishments where the Card is accepted, and obtain cash advances from the Bank or any\nother bank that accepts the Card, subject to the limits established from time to time by the Bank. The credit card may not be\nused in any country that is subject to economic sanctions imposed by the U.S. government, and any attempted use of the credit\ncard in such countries will be blocked. The credit card may not be used in connection with online gambling or to fund any\naccount that is set up to facilitate online gambling.\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 or non-financial institution to obtain\ncash, money orders, travelers checks, or wire transfers, perform cash-like transactions (quasi cash) such as the purchase of\nforeign currency from non-financial institutions as well as similar cash transactions such as purchasing lottery tickets, casino\ngaming chips, race track wages, or similar betting transactions, and making payments using a third party service (\xe2\x80\x9cCash\nAdvance\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 "Money\nRates" section of the Wall Street Journal ("Prime Rate") 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\n\n\x0con the 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\nobtained 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 checks\nand balance transfers unless the Bank states otherwise as part of a promotion. The FINANCE CHARGES imposed on cash\nadvances, convenience checks and balance transfers will be assessed from the date of the transaction. If the Wall Street Journal\nstops publishing the prime rate, we will select a similar rate.\nMINIMUM MONTHLY PAYMENT: We will calculate the minimum payment based on 2% of the balance or $15, whichever is\ngreater. In addition, your minimum monthly payment may include finance charges, periodic interest charges, over limit amounts\nand late fees billed in the statement for which your minimum payment is calculated.\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.\nINSTALLMENT PLAN: The Installment Plan enables you to use your credit card for transactions allowing you to determine the\nrepayment period for that balance. The amount requested for the Installment Plan will be subject to your credit line availability.\nThe APR, Interest Charges and Monthly Minimum Payment, of your Installment Plan may vary for each billing cycle. The APR for\nyour Installment Plan is equivalent to your Standard APR for purchases. The minimum monthly payment of your Installment Plan\nwill be included in the minimum monthly payment due of your account during the term of the Installment Plan. You will be\nresponsible to pay the total minimum monthly payment amount as established in your account statement. The Interest Charges\nwill be calculated based on the Average Daily Balance. To pay in full your Installment Plan please contact Customer Service in\norder to obtain the total balance owed. Installment Plan is not available for accounts under Penalty Rate and no grace period\napplies. If you do not comply with the minimum monthly payments of your installment loan, the Late Fee will apply as established\nin the Credit Card Agreement. The unpaid amount of the Installment Plan in the minimum monthly payment requested will be\ntransferred to the Balance Transfers section. If Penalty Pricing applies to your account, the balance pertaining to Installment Plan\n\n\x0cwill remain subject to the Standard APR for Purchases and the corresponding term of Installment Plan will not change. To\nrequest an Installment Plan and receive information regarding repayment terms you may contact Customer Service at 787-7012265 or toll free 1-855-701-2265.\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.\nDENIAL 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 (787) 751-2265. Text teletype device\n(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\n\x0c\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\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\n\xe2\x80\xa2\n\xe2\x80\xa2\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\n\x0cIf 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 the Bank 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. The Card is property of the Bank and it reserves the right to cancel or suspend your right to use it at any time, with or\nwithout cause, and without prior notice. You will remain responsible for the payment of any balance owed at the time of\ncancellation.\nMISCELLANEOUS 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 cannot 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 the\nestablished 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 (787) 7512265. Text teletype device (TTY) for the hearing impaired phone number: 787-282-4267. Life, disability, accidental death\nand dismemberment, or involuntary unemployment insurance coverage is optional and is not a requirement or condition to\nextend credit. This Agreement shall be interpreted in accordance with the laws of the Commonwealth of 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.\n\nFirstBank Card Services (rev 03/17)\n\n\x0c'


b'ACUERDO DE TARJETAS DE CREDITO PARA BEYOND GLOBAL VISA\xc2\xae DE FIRSTBANK (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 15 meses posteriores a la apertura de su cuenta para\npara Compras\ncompras realizadas dentro de los primeros 6 meses de abrir su cuenta.\n\n0%\n\n(\xe2\x80\x9cPrime\nTasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime\n\nSubsiguientemente, su APR ser\xc3\xa1 de la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos\n\nRate\xe2\x80\x9d) + 7.50% hasta la\nRate\xe2\x80\x9d) + 21.25%, al abrir su cuenta basado en su capacidad de cr\xc3\xa9dito.\nAPR para Transferencias de\nBalance\n\nAPR Introductorio de 0% por los primeros 15 meses posteriores a la apertura de su cuenta, por\ntransferencias realizadas dentro de los primeros 6 meses de abrir su cuenta.\n\nAPR para Adelantos en Efectivo\n\nSubsiguientemente, su APR ser\xc3\xa1 de la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime\nRate\xe2\x80\x9d) + 7.50% hasta la Tasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 21.25%\nal abrir su cuenta basado en su capacidad de cr\xc3\xa9dito.\nTasa de Inter\xc3\xa9s Preferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 14.00% hasta Tasa de Inter\xc3\xa9s\nPreferencial de los Estados Unidos (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) + 21.25%, 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 cuenta si el pago m\xc3\xadnimo no es recibido dentro de un periodo de sesenta\n(60) d\xc3\xadas desde su vencimiento.\n\nCargo M\xc3\xadnimo por Intereses\n\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.\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 nuevas si usted paga la totalidad de su saldo a m\xc3\xa1s\ntardar en 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.\n\nPara Obtener Consejos del\n\xe2\x80\x9cConsumer Financial Protection\nBureau\xe2\x80\x9d\n\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\nCargos\nCuota Anual\n\n$0 Cuota Anual Introductoria por 12 meses, luego $50\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)\n1.00% 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 Evitar el Pago de Intereses\nen Compras\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 m\xc3\xa1s\ndetalles.\nP\xc3\xa9rdida del APR introductorio: Podremos terminar su APR Introductorio y aplicar el APR de Penalidad si su 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 c\xc3\xb3mo ejercer su derecho a disputar transacciones se incluyen en el Acuerdo.\nPago Tard\xc3\xado:\nEl 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) ciclos de\nfacturaci\xc3\xb3n se aplicar\xc3\xa1 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 emitido.\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 adicionales es el\nacuerdo entre usted, el tarjetahabiente, y FirstBank. De usted tener alguna duda, favor de comunicarse con nosotros al n\xc3\xbamero que se encuentra al\ndorso de su tarjeta de cr\xc3\xa9dito. Usted tambi\xc3\xa9n autoriza a FirstBank a obtener y utilizar informes de agencias de cr\xc3\xa9dito y cualquier otra informaci\xc3\xb3n\nsobre usted con el prop\xc3\xb3sito de: (1) otorgar extensiones de cr\xc3\xa9dito en su cuenta; (2) la administraci\xc3\xb3n, revisi\xc3\xb3n o cobro de su cuenta; y (3) para\nprop\xc3\xb3sitos de mercadeo, incluyendo pero no limit\xc3\xa1ndose a ofertas pre-aprobadas, ventas cruzadas, y para el ofrecimiento de productos o servicios\nfinancieros o no financieros.\nCUENTA: Como causa para el cr\xc3\xa9dito que bajo esta cuenta rotativa conceda FirstBank (el \xe2\x80\x9cBanco\xe2\x80\x9d), usted (significa el portador principal de la\ntarjeta de cr\xc3\xa9dito emitida bajo este Acuerdo) se compromete a pagar al Banco el precio total de las compras y adelantos en efectivo (incluyendo\ntransferencias de balances de otras instituciones y cheques de conveniencia) hechos en esta cuenta, as\xc3\xad como los CARGOS POR\nFINANCIAMIENTO Y CARGOS ADICIONALES acordados bajo los t\xc3\xa9rminos y condiciones de este Acuerdo. Usted podr\xc3\xa1 usar la tarjeta de cr\xc3\xa9dito\n(la \xe2\x80\x9cTarjeta\xe2\x80\x9d) para pagar por compras, mercanc\xc3\xada y servicios en aquellos establecimientos donde se acepte la Tarjeta, y para obtener adelantos en\nefectivo sujeto a los l\xc3\xadmites que de tiempo en tiempo fije el Banco. La tarjeta de cr\xc3\xa9dito no debe ser usada en ning\xc3\xban pa\xc3\xads sujeto a sanciones\necon\xc3\xb3micas impuestas por el gobierno de Estados Unidos, y cualquier intento de usar la tarjeta de cr\xc3\xa9dito en dichos pa\xc3\xadses ser\xc3\xa1 bloqueado. La\ntarjeta de cr\xc3\xa9dito no puede ser usada en conexi\xc3\xb3n con apuestas por internet ni para proveer fondos a cuenta alguna establecida para facilitar las\napuestas por internet.\nUSUARIO AUTORIZADO: Usted ser\xc3\xa1 responsable por todas la transacciones hechas por la persona que usted autorice para el uso de cheques de\nconveniencia, n\xc3\xbamero de cuenta, u otro mecanismo de cr\xc3\xa9dito para acceder a su l\xc3\xadnea de cr\xc3\xa9dito, incluyendo las transacciones por las que usted no\npretend\xc3\xada ser responsable, inclusive si la cantidad de dichas transacciones causan que su l\xc3\xadnea de cr\xc3\xa9dito exceda el l\xc3\xadmite establecido. Al usuario\nautorizado podr\xc3\xa1 otorg\xc3\xa1rsele acceso a informaci\xc3\xb3n relacionada a esta cuenta si Usted lo solicita conforme a los requerimientos del Banco. Una\nnotificaci\xc3\xb3n a cualquier usuario autorizado se considerara una notificaci\xc3\xb3n a todos los usuarios de la tarjeta.\nTRANSACCIONES: Usted puede obtener cr\xc3\xa9dito en forma de compras, transferencias de balance o avances en efectivo. Para prop\xc3\xb3sitos de este\nAcuerdo, compras significa el uso de su n\xc3\xbamero de cuenta y/o de la tarjeta de cr\xc3\xa9dito para adquirir o alquilar servicios y bienes, y realizar una\ntransacci\xc3\xb3n que no es un avance en efectivo (\xe2\x80\x9cCompra(s)\xe2\x80\x9d). Una transferencia de balance es la transferencia de fondos a otro acreedor iniciada por\nel Banco a solicitud suya (\xe2\x80\x9cTransferencia de Balance\xe2\x80\x9d). Un avance en efectivo significa el uso de su l\xc3\xadnea de cr\xc3\xa9dito para cualquiera de las\nsiguientes: acceder a un cheque que usted extienda o firme como emisor; obtener un avance en efectivo de un cajero autom\xc3\xa1tico; solicitar efectivo,\ngiros postales, cheques de viajero o transferencias electr\xc3\xb3nicas a una instituci\xc3\xb3n financiera o no financiera; realizar transacciones similares al uso\nde efectivo (cuasi-efectivo) como la compra de divisas a instituciones no financieras as\xc3\xad como transacciones similares en efectivo, como comprar\nboletos de loter\xc3\xada, fichas de casino, apuestas en circuitos de carreras, o transacciones de apuestas similares; y hacer pagos a trav\xc3\xa9s de un tercero\nproveedor de servicios (\xe2\x80\x9cAdelantos en Efectivo\xe2\x80\x9d).\nL\xc3\x8dMITE DE CR\xc3\x89DITO: Usted acuerda que el Banco, para su conveniencia, establecer\xc3\xa1 un l\xc3\xadmite de cr\xc3\xa9dito y que las compras y adelantos en\nefectivo que usted cargue contra la cuenta en ning\xc3\xban momento exceder\xc3\xa1n su l\xc3\xadmite de cr\xc3\xa9dito. Al recibir su Tarjeta, se le informar\xc3\xa1 su l\xc3\xadmite de\ncr\xc3\xa9dito y \xc3\xa9ste aparecer\xc3\xa1 en cada estado de cuenta (el \xe2\x80\x9cEstado de Cuenta\xe2\x80\x9d) mensual que le enviemos. Usted acuerda que el Banco podr\xc3\xa1 cambiar\nsu l\xc3\xadmite de cr\xc3\xa9dito de tiempo en tiempo a base de la evaluaci\xc3\xb3n de su capacidad crediticia y su historial de pago. De usted exceder su l\xc3\xadmite\nde cr\xc3\xa9dito aprobado, el Banco tendr\xc3\xa1 el derecho de cancelar la Tarjeta, y cerrar la cuenta. Cualquier cantidad en exceso del l\xc3\xadmite aprobado por el\nBanco ser\xc3\xa1 pagadera por usted de inmediato. El pago m\xc3\xadnimo incluir\xc3\xa1 cualquier 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 FINANCIAMIENTO\nse computan \xc3\xbanicamente sobre el balance del principal. Usted pagar\xc3\xa1 un CARGO POR FINANCIAMIENTO mensual sobre el balance de su cuenta\ndurante el per\xc3\xadodo de facturaci\xc3\xb3n. Este CARGO POR FINANCIAMIENTO ser\xc3\xa1 variable y podr\xc3\xa1 cambiar para cada per\xc3\xadodo de facturaci\xc3\xb3n. EL\nCARGO POR FINANCIAMIENTO para compras, transferencias de balances de otras instituciones, adelantos en efectivos y cheques de\nconveniencia se calcular\xc3\xa1 sumando la Tasa Preferencial de Estados Unidos m\xc3\xa1s alta (\xe2\x80\x9cPrime Rate\xe2\x80\x9d) publicada, el \xc3\xbaltimo d\xc3\xada laborable del mes\nprevio, en la secci\xc3\xb3n \xe2\x80\x9cMoney Rates\xe2\x80\x9d del \xe2\x80\x9cThe Wall Street Journal\xe2\x80\x9d a un margen. Esto equivale a la TASA DE PORCENTAJE ANUAL (\xe2\x80\x9cAPR\xe2\x80\x9d, por\nsus siglas en ingl\xc3\xa9s). Para 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\nel APR 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 de la solicitud. Para\ncada per\xc3\xadodo de facturaci\xc3\xb3n el CARGO POR FINANCIAMIENTO y el APR se determinar\xc3\xa1n utilizando el \xe2\x80\x9cPrime Rate\xe2\x80\x9d vigente al \xc3\xbaltimo d\xc3\xada laborable\ndel mes previo que se publique. Un incremento en el \xe2\x80\x9cPrime Rate\xe2\x80\x9d podr\xc3\xada representar un aumento en su TASA DE PORCENTAJE ANUAL y en su\npago m\xc3\xadnimo. Cualquier variaci\xc3\xb3n en el CARGO POR FINANCIAMIENTO aplicar\xc3\xa1 a los balances existentes y a las transacciones nuevas incluidas\n\n\x0cdentro del per\xc3\xadodo de facturaci\xc3\xb3n. EL CARGO POR FINANCIAMIENTO se establece multiplicando el balance diario promedio (el \xe2\x80\x9cBalance Diario\nPromedio\xe2\x80\x9d) por la Tasa 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 per\xc3\xadodo de\nfacturaci\xc3\xb3n en que el balance inicial sea $0 o ese balance inicial sea pagado por completo en o antes de la fecha de pago. Luego se suman todos\nlos 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 comprendidos dentro del per\xc3\xadodo. El resultado es\nel Balance Diario Promedio. No se impondr\xc3\xa1 un CARGO POR FINANCIAMIENTO para per\xc3\xadodos de facturaci\xc3\xb3n en que no exista un balance previo,\nsiempre y cuando la totalidad del balance de la cuenta incluyendo las compras efectuadas durante ese per\xc3\xadodo, sea pagado o acreditado en su\ntotalidad en o antes de la fecha de pago aplicable o si el \xc3\xbanico balance adeudado corresponde a ofertas de pagos o intereses diferidos. No habr\xc3\xa1\nper\xc3\xadodo de gracia para adelantos en efectivo, transferencia de balance y cheques de conveniencia. Los CARGOS POR FINANCIAMIENTO de\nadelantos en efectivo, transferencia de balances y cheques de conveniencia se impondr\xc3\xa1n desde la fecha en que se realiza la transacci\xc3\xb3n. Del\n\xe2\x80\x9cWall Street Journal\xe2\x80\x9d dejar de publicar el Prime Rate, seleccionaremos una tasa similar.\nPAGO MENSUAL M\xc3\x8dNIMO: Calcularemos el pago m\xc3\xadnimo basado en el 2% del balance o $15. Lo que sea mayor. Adem\xc3\xa1s su pago m\xc3\xadnimo\nmensual puede incluir cargos por financiamiento, cargos de tasas peri\xc3\xb3dicas, cantidad total sobre su l\xc3\xadmite de cr\xc3\xa9dito autorizado y cargos por\ndeudas en atraso que te hemos facturado en el estado en que se calcula tu balance m\xc3\xadnimo.\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 aplicado de la siguiente\nmanera: primero a los CARGOS POR FINANCIAMIENTO; y la cantidad restante ser\xc3\xa1 aplicada a los balances con el APR m\xc3\xa1s bajo. Si usted paga\nuna cantidad en exceso del pago m\xc3\xadnimo requerido, el exceso se aplicar\xc3\xa1 a los balances con el APR m\xc3\xa1s alto. Los pagos se acreditar\xc3\xa1n el mismo\nd\xc3\xada s\xc3\xad: (i) se reciben antes de las 5:00 p.m. de lunes a viernes (excepto d\xc3\xadas feriados) en la direcci\xc3\xb3n que aparece en su Estado de Cuenta, (ii) se\npagan con un cheque girado contra el Banco, y (iii) se acompa\xc3\xb1a el talonario de pago. Si el pago es a trav\xc3\xa9s de una sucursal del Banco, se\nacreditar\xc3\xa1 el pr\xc3\xb3ximo d\xc3\xada laborable con retroactividad a la fecha de recibo del mismo. Pagos electr\xc3\xb3nicos que el Banco reciba tambi\xc3\xa9n ser\xc3\xa1n\nacreditados el pr\xc3\xb3ximo d\xc3\xada laborable con retroactividad 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 facturaci\xc3\xb3n. En\ncada Estado de Cuenta se indicar\xc3\xa1n las siguientes partidas seg\xc3\xban sean aplicables: balance anterior, pagos, cr\xc3\xa9ditos, d\xc3\xa9bitos, compras,\ntransferencias de balance de otras instituciones, cheques de conveniencia y adelantos de efectivo efectuados durante el per\xc3\xadodo en cuesti\xc3\xb3n, el\nCARGO POR FINANCIAMIENTO, la TASA DE PORCENTAJE ANUAL, el total del balance nuevo, el pago m\xc3\xadnimo y la fecha en que vencer\xc3\xa1 dicho\npago. Usted deber\xc3\xa1 notificar por escrito al Banco cualquier error en el Estado de Cuenta dentro de los sesenta (60) d\xc3\xadas siguientes a la fecha en\nque 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 cargo por la\nconversi\xc3\xb3n de moneda extranjera a d\xc3\xb3lares americanos lo calcular\xc3\xa1 Visa Internacional o MasterCard Internacional dependiendo su tarjeta de\ncr\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 revertido por\ncualquier 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 periodo de hasta 4 d\xc3\xadas la\ndisponibilidad en su l\xc3\xadnea de cr\xc3\xa9dito por la cantidad del pago efectuado.\n\xe2\x80\x9cINSTALLMENT PLAN\xe2\x80\x9d: El plan de pagos a plazos le permite determinar el per\xc3\xadodo de pago para transacciones al utilizar su tarjeta de cr\xc3\xa9dito. La\ncantidad solicitada para el plan de pagos a plazos estar\xc3\xa1 sujeta a la disponibilidad de su l\xc3\xadnea de cr\xc3\xa9dito. El APR, Cargos de Intereses y Pago\nM\xc3\xadnimo Mensual de su plan de pagos a plazos pueden variar en cada ciclo de facturaci\xc3\xb3n. El APR para su plan de pagos es equivalente a su APR\nest\xc3\xa1ndar para compras. El pago mensual m\xc3\xadnimo de su Plan de pagos a plazos se incluir\xc3\xa1 en el pago m\xc3\xadnimo mensual de su cuenta durante el\nt\xc3\xa9rmino del Plan de pago. Usted ser\xc3\xa1 responsable de pagar el total del pago m\xc3\xadnimo mensual establecido en su estado de cuenta. Los Cargos de\nIntereses se calcular\xc3\xa1n basados en el Balance Promedio Diario. Para saldar por completo su Plan de pagos a plazos, comun\xc3\xadquese con Servicio al\nCliente para obtener el saldo total adeudado. El Plan de pagos a plazos no est\xc3\xa1 disponible para cuentas bajo la Tasa de Penalidad y no aplica\nning\xc3\xban per\xc3\xadodo de gracia. Si no cumple con los pagos mensuales m\xc3\xadnimos de su Plan de pagos a plazos, se aplicar\xc3\xa1 la Tasa de Penalidad seg\xc3\xban se\nestablece en el Contrato de Tarjeta de Cr\xc3\xa9dito. El monto no pagado del Plan de pagos a plazos en el pago m\xc3\xadnimo mensual ser\xc3\xa1 transferido a la\nsecci\xc3\xb3n Transferencias de balance. Si la Tasa de Penalidad aplica a su cuenta, el saldo correspondiente al Plan de pagos a plazos permanecer\xc3\xa1\nsujeto al APR est\xc3\xa1ndar en compras y el plazo correspondiente del Plan de pago no cambiar\xc3\xa1. Para solicitar un Plan de pagos a plazos y recibir\ninformaci\xc3\xb3n relacionada a los t\xc3\xa9rminos de repago, puede comunicarse con Servicio al Cliente al 787-701-2265 o al n\xc3\xbamero gratuito 1-855-701-2265.\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 pago m\xc3\xadnimo de su\ntarjeta de cr\xc3\xa9dito para ciertos ciclos de facturaci\xc3\xb3n. Si recibe esta oferta, su estado de cuenta mostrar\xc3\xa1 que el Pago M\xc3\xadnimo requerido para ese\n\n\x0cper\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. Si decide no hacer el pago, sepa que la cuenta seguir\xc3\xa1\nacumulando Cargos por Intereses sobre el balance adeudado durante ese per\xc3\xadodo. Sin embargo, usted siempre podr\xc3\xa1 hacer un pago por cualquier\ncantidad. Al final del per\xc3\xadodo de \xe2\x80\x9cSkip a Payment\xe2\x80\x9d, los t\xc3\xa9rminos del Acuerdo con respecto al Pago M\xc3\xadnimo requerido se reanudar\xc3\xa1n\nautom\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 su l\xc3\xadmite de cr\xc3\xa9dito\nsin autorizaci\xc3\xb3n del Banco. En caso de incumplimiento, el Banco podr\xc3\xa1 reclamar el pago de la totalidad del balance adeudado. Si el Banco se ve en\nla necesidad de tener que cobrarle a usted por la v\xc3\xada legal, usted podr\xc3\xada adem\xc3\xa1s incurrir en gastos legales y honorarios de abogado, as\xc3\xad como\ncualquier 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 este acuerdo. Las\nCUOTAS ANUALES se reflejar\xc3\xa1n en su Estado de Cuenta en cada aniversario de la fecha de emisi\xc3\xb3n de la primera 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 autorizado por el Banco a\nun tercero, a\xc3\xban en el caso de que usted tenga cr\xc3\xa9dito disponible. El Banco puede limitar el n\xc3\xbamero de compras o adelantos de efectivo\naprobados durante cualquier d\xc3\xada. Si el Banco detecta actividad poco usual o sospechosa en su cuenta, podr\xc3\xa1 suspender temporalmente su\ncr\xc3\xa9dito hasta que se verifique la legitimidad de la transacci\xc3\xb3n. El Banco podr\xc3\xada aprobar compras o adelantos de efectivo que excedan su l\xc3\xadmite de\ncr\xc3\xa9dito sin renunciar a sus derechos bajo este Acuerdo.\nTARJETA EXTRAVIADA O HURTADA: Si su Tarjeta se extraviara o fuera hurtada o si usted sospecha que alguien pudiera utilizarla sin su\nautorizaci\xc3\xb3n, usted deber\xc3\xa1 notificar inmediatamente al Banco y completar y someter aquellos formularios o informes que el Banco le requiera. En\ncaso de p\xc3\xa9rdida, robo o posible uso no autorizado, usted podr\xc3\xa1 ser responsable por el uso no autorizado de la Tarjeta hasta una cantidad que no\nexceda de $50.00, a menos que usted haya notificado al Banco del extrav\xc3\xado, hurto o posible uso no autorizado de la Tarjeta con antelaci\xc3\xb3n\na cualquier compra o adelanto, comunic\xc3\xa1ndose libre de costos al (855) 701-2265 o (787) 751-2265. Servicio de Teletexto (TTY) para audioimpedidos: 787-282-4267.\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 una\nexplicaci\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\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.\nAl menos tres (3) d\xc3\xadas laborables antes de cualquier pago autom\xc3\xa1tico calendarizado, si usted desea detener el pago sobre la\ncantidad que usted entiende est\xc3\xa1 equivocada.\n\nUsted debe notificarnos los alegados errores potenciales por escrito. Usted se puede comunicar por tel\xc3\xa9fono con el Banco, pero ellos no nos\nrequiere hacer ning\xc3\xban tipo de investigaci\xc3\xb3n por errores potenciales y usted tendr\xc3\xada que pagar la cantidad cuestionada.\n\n\x0cQue 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 ya hemos\ncorregido 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 entendemos que su\nestado 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 esa cantidad.\nDel Banco determinar que se cometi\xc3\xb3 un error, usted no tendr\xc3\xa1 que pagar el monto en cuesti\xc3\xb3n, o cualquier inter\xc3\xa9s o cargo adicional\nrelevante 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\n\xe2\x80\xa2\n\nSi cometimos un error: Usted no tendr\xc3\xa1 que pagar la cantidad en reclamaci\xc3\xb3n o cualquier inter\xc3\xa9s o cargo relacionado a esa cantidad.\nSi 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 intereses y cargos\naplicables. Nosotros le enviaremos un estado de cuenta con la cantidad que usted adeuda y la fecha l\xc3\xadmite de pago. Podr\xc3\xadamos\nentonces reportarlo como moroso si no paga la cantidad que entendemos que usted adeuda.\n\nSi usted recibe nuestra explicaci\xc3\xb3n y aun entiende que su estado de cuenta tiene un error, usted debe escribirnos dentro de los pr\xc3\xb3ximos 10 d\xc3\xadas\nexplic\xc3\xa1ndonos que aun reh\xc3\xbasa hacer el pago. Si usted hace esto, nosotros no podemos reportar su cuenta morosa sin informar que usted est\xc3\xa1\ncuestionando su cuenta. Nosotros deberemos informarle el nombre de cualquier organizaci\xc3\xb3n a quien reportemos como morosa, y debemos\nnotificarle a esas organizaciones que la reclamaci\xc3\xb3n ha sido resuelta 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 cuenta 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 corregir el problema\ncon 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 precio de la compra\ntiene que ser mayor de $50. (Nota: Esto no es necesario si su compra se bas\xc3\xb3 en un anuncio que le enviamos a usted, o si somos\ndue\xc3\xb1os de la empresa que le vendi\xc3\xb3 los bienes o servicios.)\n\n2.\n\nLa compra fue realizada con su tarjeta de cr\xc3\xa9dito para la compra. Las compras realizadas con adelantos en efectivo de un cajero\nautom\xc3\xa1tico o con un cheque que acceden su cuenta de cr\xc3\xa9dito no les aplica este derecho.\n\n3.\n\nUsted no debe haber pagado todav\xc3\xada la totalidad de la compra.\n\nSi se cumplen todos los criterios antes mencionados y usted a\xc3\xban no est\xc3\xa1 satisfecho con la compra, comun\xc3\xadquese con nosotros por escrito a:\nFirstBank\nPO Box 84025\nColumbus, GA 31908-4031\n\n\x0cMientras investigamos, aplicar\xc3\xa1n las mismas reglas a la cantidad en disputa, seg\xc3\xban descritas arriba. Al concluir la investigaci\xc3\xb3n, le informaremos\nnuestra decisi\xc3\xb3n. En ese momento, si entendemos usted adeuda una cantidad y usted no ha pagado podremos 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 cargos y t\xc3\xa9rminos de\neste Acuerdo, siempre y cuando el Banco le notifique de dichos cambios conforme de dichos cambios conforme las leyes y reglamentos aplicables.\nSi usted no estuviera de acuerdo con las enmiendas notificadas y deseara dar por terminado este Acuerdo, deber\xc3\xa1 notificar por escrito al Banco de\nsu decisi\xc3\xb3n dentro del t\xc3\xa9rmino de quince (15) d\xc3\xadas de la fecha en que se le env\xc3\xade la notificaci\xc3\xb3n de enmienda y seguir\xc3\xa1 pagando los balances\nadeudados conforme a los t\xc3\xa9rminos y condiciones 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 escrito a esos efectos y la\ndevoluci\xc3\xb3n de su Tarjeta partida en dos. La Tarjeta es propiedad del Banco, quien se reserva el derecho de cancelar o revocar su derecho a usarla\nen cualquier momento, con o sin causa, y sin previa notificaci\xc3\xb3n. El Banco podr\xc3\xada emitirle una Tarjeta distinta en cualquier momento. Usted\ncontinuar\xc3\xa1 siendo responsable por el pago de cualquier balance adeudado al momento 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 constituir\xc3\xa1 una renuncia a\ndicho derecho. Si alguna cl\xc3\xa1usula o parte de una cl\xc3\xa1usula de este Acuerdo fuera declarada nula por un tribunal o dejase de tener efecto por\ndisposici\xc3\xb3n legal o reglamentaria, las disposiciones restantes de este Acuerdo no se afectar\xc3\xa1n y continuar\xc3\xa1n en vigor. Usted entiende y est\xc3\xa1 de\nacuerdo que estas Tarjetas no podr\xc3\xa1n ser utilizadas para fines corporativos de empresa. El Banco, se reserva el derecho de convertir su cuenta a\ncualquier otro tipo de cuenta rotativa del Banco en cualquier momento, siempre y cuando usted cumpla con los criterios crediticios establecidos por\nel Banco para la nueva 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, transferir, vender, ceder o\ntraspasar su cuenta, este Acuerdo, o nuestros derechos y obligaciones sobre su cuenta o bajo este Acuerdo a cualquier entidad o persona. La\npersona o entidad a la que se le venda, traspase, ceda o transfiera este Acuerdo o nuestros derechos y obligaciones sobre su cuenta, asumir\xc3\xa1 las\nobligaciones de El Banco bajo este Acuerdo. De usted no desear aceptar la misma, deber\xc3\xa1 notificar al Banco dentro de los quince (15) d\xc3\xadas luego\nde recibirla, sin haberla utilizado. Para notificar que no desea aceptar la Tarjeta, deber\xc3\xa1 comunicarse libre de costos al (855) 701-2265 o (787) 7512265. Servicio de Teletexto (TTY) para audio-impedidos: 787-282-4267. El seguro de protecci\xc3\xb3n de vida, muerte accidental y desmembramiento,\nincapacidad o desempleo involuntario es opcional y no es una condici\xc3\xb3n para extenderle el cr\xc3\xa9dito. Este Acuerdo se interpretar\xc3\xa1 bajo las Leyes del\nEstado Libre Asociado de Puerto Rico.\nNOTIFICACION SOBRE RECLAMACIONES DIRECTAS (RECLAMACIONES DE HISTORIAL DE CR\xc3\x89DITO): De usted entender que nosotros\nhemos sometido informaci\xc3\xb3n incompleta o incorrecta sobre usted a una Agencia de Cr\xc3\xa9dito escribanos al PO BOX 9146 Mail code 273, San Juan,\nPR 00908-0146. Favor incluya informaci\xc3\xb3n suficiente para identificar la cuenta u otra relaci\xc3\xb3n que est\xc3\xa1 en disputa, incluyendo: su n\xc3\xbamero de cuenta,\nnombre, direcci\xc3\xb3n, y n\xc3\xbamero de tel\xc3\xa9fono, si aplica; informaci\xc3\xb3n espec\xc3\xadfica y suficiente de lo que est\xc3\xa1 reclamando y una explicaci\xc3\xb3n sobre la raz\xc3\xb3n\nde su reclamaci\xc3\xb3n; y toda la documentaci\xc3\xb3n que sustente sus alegaciones o cualquier otra informaci\xc3\xb3n necesaria requerida por la Instituci\xc3\xb3n. Esta\ndocumentaci\xc3\xb3n puede incluir: 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\ninformaci\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 esta su\nreclamaci\xc3\xb3n; evidencia de pagos realizados y copia de sus estados de cuenta; entre otros documentos que usted desee presentar para sustentar su\nreclamaci\xc3\xb3n.\n\nFirstBank Card Services (rev 03/17)\n\n\x0c'