INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) for
Purchases
APR for Balance Transfers
APR for Cash Advances
Paying Interest

Minimum Interest Charge
For Credit Card Tips from the Federal
Reserve Board

18.99%
18.99%
19.99%
Your payment due date is at least 25 days after the close of each billing cycle. We will not charge
you any interest on purchases   if you pay your entire balance by the due date each month. We
will begin charging interest on Cash Advances, balance transfers and convenience checks on the
transaction date.
If you are charged interest, the charge will be no less than $0.50.
To learn more about factors to consider when applying for or using a credit card, visit the website
of the Federal Reserve Board at
http://www.FederalReserve.gov/CreditCard

FEES

$20

$29
3% of each transaction in U.S. dollars
3% of the amount of each transfer (min. $5; max. $100)
3% of the amount of each transaction (min. $5; max. $100)

Annual Fees
Transaction Fees
• Cash Advances
• Foreign Transaction
• Balance Transfers
• Convenience Checks
Penalty Fees
• Late Payment
• Returned Payment
How will we calculate your balance?: We use a method called "Average Daily Balance (including new purchases)". See your account
agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the section titled YOUR
BILLING RIGHTS of this Agreement.
Additional Relevant Information:

$10 when you fail to pay within 10 days from the due date
Up to $35

Your Specific APR Information:  Your APR for Purchases and Balance transfers from other institutions is 18.99% with a corresponding Daily
Periodic Rate of 0.052%. Your APR for Cash Advances and Convenience Checks is 19.99%, with a corresponding Daily Periodic Rate of
0.055%.

Minimum Monthly Payment:  The minimum monthly payment will be equal to any past due amounts appearing on your Account Statement plus
the greater of: (a) 2% of the new balance; (b) the monthly INTEREST CHARGE, if such INTEREST CHARGE is greater than 2% of the new
balance; (c) the monthly INTEREST CHARGE plus $10 if such INTEREST CHARGE is less than 2% of the new balance; or (d) $20, except, if
your new balance is less than $20, you must pay that balance in full.

Balance Transfers: You may not transfer balances from other accounts issued by Banco Popular North America or Popular Community Bank,
or its affiliates.

•

The charge in question may remain on your Account 
Statement, and we may continue to charge you INTEREST 
CHARGES on that amount.

• While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

advertisement we mailed to you, or if we own the company that sold you 
the goods or services.)
2. You must have used your Card for the purchase. Purchases made with 
Cash Advances from an ATM or with a check that accesses your Account 
do not qualify.
3. You must not yet have fully paid for the purchase.

(xviii) APPLICABLE LAW
This Agreement will be governed by the laws of Florida (without regard 
to its conflict of laws principles), whether or not you live in Florida, and 
whether or not your Account is used outside of Florida, and by any 
applicable federal laws. You agree that: (1) this Agreement is entered 
into in Florida; (2) all credit under this Agreement will be extended from 
Florida; and (3) all credit extended under this Agreement is subject to, 
and  governed  by,  Florida  law.  All  Terms  and  Conditions  of  this 
Agreement (including the Change of Terms provisions, this Applicable 
Law provision, and the Interest Charge, Late Charge and Returned 
Payment  Charge  provisions)  are  deemed  to  be  material  to  a 
determination of the interest charge.  

(xiv) ASSIGNMENT OF ACCOUNT
We may sell, assign or transfer your Account or any portion thereof 
without notice to you. You may not sell, assign or transfer your Account. 
In addition, we may refer the Account to a collection agency or attorney 
who shall be entitled to enforce this Agreement according to its terms, 
and any of our rights shall apply to those persons.

(xx) CREDIT BUREAU REPORTING AND INFORMATION 
GATHERING
We will report your credit record to a credit reporting agency (ies). If you 
believe we have inaccurate information about you or have reported 
inaccurate information about you to a Consumer Reporting Agency, 
you  can  notify  us  at  Banco  Popular  North  America,  Cardmember 
Service Center, P.O Box 31535, Tampa, FL 33631. You agree that any 
government agency may release your residence address to us, should 
it become necessary to locate you. You agree that our supervisory 
personnel may listen or tape telephone calls between you and our 
representatives in order to better serve you and other Cardmembers. 
You agree that we have the right to obtain a current credit report in 
connection with your Account at any time.

(xxi) SEVERABILITY
If any provision of this Agreement is finally determined to be void or 
unenforceable under any law, rule, or regulation, all other provisions of 
this Agreement will remain valid and enforceable. Your credit card is 
issued under this agreement by Banco Popular North America. 

YOUR BILLING RIGHTS: 
Keep this Document for Future Use

This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Account Statement
If you think there is an error on your Account Statement, write to 
us at:

Banco Popular North America Cardmember Service Center, 
P.O. Box 31535, Tampa, FL 33631

In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your 
Account Statement, describe what you believe is wrong and 
why you believe it is a mistake.

•

After we finish our investigation, one of two things will 
happen:
•

If we made a mistake: You will not have to pay the amount in 
question or any INTEREST CHARGES or other fees related to 
that amount.
If we do not believe there was a mistake: You will have to pay 
the amount in question, along with applicable INTEREST 
CHARGES and fees. We will send you an Account Statement 
of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we 
think you owe.

You must contact us:

• Within 60 days after the error appeared on your Account 

Statement.

• At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong.

You must notify us of any potential errors in writing. You may call us, but 
if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already corrected 
the error.
2. Within 90 days of receiving your letter, we must either correct the 
error  or  explain  to  you  why  we  believe  the  Account  Statement  is 
correct.

While we investigate whether or not there has been an 
error:

• We cannot try to collect the amount in question, or report you 

as delinquent on that amount.

If you receive our explanation but still believe your Account Statement is 
wrong, you must write to us within 10 days telling us that you still refuse to 
pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also 
reporting that you are questioning your Account Statement. We must tell 
you the name of anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been settled 
between us. 

If we do not follow all of the rules above, you do not have to pay the first 
$50  of  the  amount  you  question  even  if  your Account  Statement  is 
correct.

Your Rights If You Are Dissatisfied With Your Card 
Purchases  
If you are dissatisfied with the goods or services that you have purchased 
with your Card and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining 
amount due on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 
miles of your current mailing address, and the purchase price must have 
been more than $50.
(Note: Neither of these are necessary if your purchase was based on an 

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:
Banco Popular North America
Cardmember Service Center, P.O. Box 31535, Tampa, FL 33631

While we investigate, the same rules apply to the disputed amount as 
discussed above. After we finish our investigation, we 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 delinquent.

SECURITY INTEREST AGREEMENT
By requesting an Account, you have agreed to give us a security interest 
in  the  interest-bearing  statement  savings  deposit  (referred  to  as  the 
“Savings Deposit”) we required you to establish and maintain with Banco 
Popular North America, (referred to as the “Depository”) as a condition of 
opening your Account. This “Security Interest/Pledge Agreement” section 
describes our rights under the security interest you have agreed to give 
us in the Savings Deposit.
1. Amount Deposited-Credit Line
To  open  and  maintain  your  Account,  you  deposited  funds  with  the 
Depository. Your credit line is equal to the amount you deposited plus any 
additional amount of unsecured credit that we may provide to you. The 
amount of your credit line is set forth on the document holding your card. 
If you wish to increase your credit line, it will be subject to credit approval. 
If approved, you must make an additional deposit up to the amount you 
qualified for (based on increments established by the Bank) in the form of 
a check or money order. The maximum credit line offered is $5,000. Your 
credit line will be increased dollar for dollar. Please consult with your 
banker for more information. Your credit line will not be increased by 
interest paid on the Savings Deposit.
2. Our Security Interest
You  pledge,  assign  and  transfer  all  right  and  interest,  and  give  us  a 
security interest, in and to all funds now or hereafter deposited in this 
Savings Deposit, including all interest earned on the Savings Deposit.   
Our security interest in this Savings Deposit extends to any successor to 
or  replacement  for  the  Savings  Deposit  and  to  any  funds  or  interest 

deposited in such successor to or replacement for the Savings Deposit. 
The  Savings  Deposit  will  secure  your  obligations  to  us  under  this 
Agreement until your Account has been terminated or canceled and all 
obligations and indebtedness under this Agreement has been satisfied.
3. You May Not Withdraw Funds
You agree that the Depository, on our behalf, may prohibit you from 
withdrawing funds from the Savings Deposit until your Account has been 
terminated  or  canceled  and  paid  in  full  and  all  obligations  and 
indebtedness have been satisfied.
4. Our Right to Withdraw Funds
If at any time you are in default of this Agreement, or if your Account is 
closed  for  any  reason,  we  may,  without  sending  you  any  notice  or 
demand  for  payment,  withdraw  all  or  part  of  the  Savings  Deposit  to 
satisfy any indebtedness or other obligations (including, but not limited 
to, interest, administrative costs and fees). If we do withdraw any amount 
from the Savings Deposit, we may reduce your credit line to an amount 
equal to the remaining Savings Deposit balance and we may also take 
any other action described in this Agreement. If we exercise our right to 
withdraw Funds from your Savings Deposit you are still obligated to pay 
any outstanding balances remaining on your Account.
5. No one Else May Have an Interest in the Savings Deposit
You promise us that you are the sole legal and rightful owner of all funds 
you deposit into the Savings Deposit. You also promise us that there is 
no  current  pending  or  threatened  lawsuits  or  bankruptcy  or  other 
proceedings which might affect our security interest in or rights to the 
Savings Deposit. You also agree that you have not and will not transfer 
any  legal  right,  title  or  interest  in  the  Savings  Deposit  to  any  other 
person(s),  or  offer  the  Savings  Deposit  as  security  for  any  other 
obligation, except for your obligations under this Agreement, before your 
Account is terminated or canceled and paid in full.

BANCO POPULAR NORTH AMERICA SAVINGS ACCOUNT 
DISCLOSURE STATEMENT 
Rate Information:  The interest rate on your Account will be the bank's 
published interest rate as of opening date of the savings account. Your 
interest rate and Annual Percentage Yield may change anytime at the 
bank's discretion. See personal banking disclosure booklet for details.

Compounding and Crediting of Interest:  Interest will be compounded 
on a monthly basis and will be credited to your Account at the end of 
every  billing  month.  If  your  deposit Account  is  closed  and  liquidated 
before interest is credited, you will not receive the accrued interest for 

that month.
Balance  Computation  Method:    We  use  average  daily  balance 
method to calculate interest on your Account. This method applies a 
periodic rate to the average daily balance in the Account for the period. 
The average daily balance is calculated by adding the principal in the 
Savings Deposit Account for each day of the period and dividing that 
figure by the number of days in the period.
Accrual of Interest:  Interest begins to accrue on the business day we 
receive your deposit.
Transaction Limitations:   You may not make withdrawals from your 
account until the credit card Account secured by your Savings Deposit 
Account is paid in full and has been closed.
FDIC Insurance:  Savings Deposits with Banco Popular North America 
are insured by the Federal Deposit Insurance Corporation (FDIC). 

Retail Installment Agreement
Revolving Accounts Plan
Secure MasterCard

I004533

Effective June 2011

Please retain this for your records.

(i) ACCOUNT
This is the Agreement that covers your Banco Popular North America 
MasterCard credit card account (called your “Account”) with us. In this 
Agreement,  and  in  your  monthly  statements,  the  words  “you”  and 
“your” refer to all persons named on the credit card application, credit 
card, or acceptance form, as well as their heirs and executors, and the 
words “we”, “us” and “our” refer to Banco Popular North America (the 
“Bank”).
You can use your credit card (Card) to purchase goods and services at 
participating merchants and to take cash advances as described in this 
Agreement. You agree not to use your Card for any unlawful purpose. If 
you  use,  or  allow  someone  else  to  use,  the Account  for  any  other 
purpose, you will be responsible for such use and may be required to 
reimburse  us  and  MasterCard®  International  Incorporated  for  all 
amounts  or  expenses  either  Banco  Popular  North  America  or 
MasterCard® pays as a result of such use. 

(ii) PROMISE TO PAY
You promise to pay for (a) credit extended by Banco Popular North 
America, to you or to anyone whom you permit to use this Account; (b) 
interest charges, late charges, and other administrative charges (e.g., 
returned check charges) provided in this Agreement; and (c) collection 
costs and attorneys' fees as permitted by applicable law if your Account 
should go into default. 

(iii) CASH ADVANCES
The  term  “cash  advance”  includes  the  following  transactions:  (1) 
Automated Teller Machine (ATM) transactions; (2) convenience check 
transactions; (3) money orders, cashiers checks, travelers checks, wire 
transfers,  foreign  currency  or  other  in-bank  transactions;  (4)  tax 
payments; (5) certain permitted gambling transactions; and (6) court 
costs, bail bonds and fines. Convenience checks are used the same as 
personal checks and are drawn from your Account and billed on your 
monthly statement.

(iv) CREDIT LIMIT
You may obtain credit by any means approved by us until the total 
unpaid balance of your Account reaches your maximum credit line. The 
amount of your credit limit will be determined by the amount of your 
deposit into an interest-bearing savings account (see Security Interest 
Agreement section for more details) and reflected on your card carrier 

and  your  billing  statement.  This  savings  account  will  be  used  as 
collateral and define your credit limit.  The portion of your total credit line 
that may be used to make a cash advance is established by us and is 
disclosed  on  your  billing  statement.  We  may  change  your  Cash 
Advance Credit Limit at any time. You agree not to allow your total 
unpaid  balance,  including  interest  charges  and  other  charges,  to 
exceed your maximum credit line. We are not required to make cash 
advances  (including  accepting  transfers  or  convenience  checks  or 
ATM transactions) or extend credit for purchases at your request if you 
have  exceeded  your  credit  line,  or  if  such  advances  or  purchases 
would, when added to your existing balance, exceed your credit line, 
but if we do, you agree to pay us that excess amount, plus applicable 
interest charges immediately.

(v) INTEREST CHARGES
Monthly INTEREST CHARGES will be computed on all balances on 
this account. This INTEREST CHARGE will be based on fixed Annual 
Percentage Rates (APR). Different APRs can apply to purchases, cash 
advances, balance transfers from other institutions, and convenience 
checks. Your APR's are disclosed in the accompanying cardmailer. The 
Daily Periodic Rate is calculated separately for purchases and cash 
advances and is determined by dividing the APR by 365 and rounding 
up.  
The INTEREST CHARGE is calculated separately for purchases and 
cash  advances.  The  INTEREST  CHARGE  is  determined  by 
multiplying the Average Daily Balance by the Daily Periodic Rate and 
by the number of days in the billing period. The Average Daily Balance 
for purchases is obtained by taking into account the initial daily balance 
on  purchases,  plus  any  new  purchases,  and  any  unpaid  interest 
charges on purchases, and any other fees and charges that we add 
that day, minus any payments and credits we apply to the purchase 
balance that day. Then all the daily balances within the billing period are 
added and the total is divided by the number of days in the billing 
period. New purchases are added to the daily balance on posting date, 
unless we elect to use a later date. Purchases will begin to accrue 
interest charges on the date of posting. No INTEREST CHARGE will 
be imposed on a purchase added to your daily balance during the 
billing cycle covered by the periodic statement if that statement shows 
no previous balance or shows that the previous balance was paid in full 
by its payment due date. Also, no additional INTEREST CHARGE will 
be charged on any purchases included in the new balance of a monthly 
periodic statement if you pay the new balance in full on or before the 
date specified in your statement. The payment due date will be 25 days 

or more, depending upon the payment due date on your account. 
The Average Daily Balance for cash advances is obtained by taking into 
account the initial daily balance on cash advances, plus any new cash 
advances, and any unpaid interest charges on cash advances, and any 
other cash advance fees that we add that day, minus any payments and 
credits we apply to the cash advance balance that day. Then all the daily 
balances within the billing period are added and the total is divided by the 
number of days in the billing period. The INTEREST CHARGE on cash 
advances, balance transfers and convenience checks will be imposed 
from the date the transaction is conducted.  There is no “free ride” period 
for such transactions.  
Please refer to the accompanying cardmailer for other terms which are 
made a part of this agreement.  

(vi) ANNUAL FEE
If  applicable,  the Annual  Fee  will  be  reflected  on  your  first Account 
Statement  after  the  first  Card  is  issued  and  subsequently  on  each 
anniversary of the issuance of the first Card. A notice will be provided on 
your Account Statement prior to the renewal date.   Please refer to the 
accompanying cardmailer for specific annual fee information related to 
your account.  

(vii) MINIMUM MONTHLY PAYMENT
We will not impose any late charges if you pay at least the minimum 
payment reflected on your statement by the specified “Payment Due” 
date. If you wish, you may pay more than the minimum payment and at 
any time you may pay the entire amount due for the current billing cycle 
(called  “New  balance”).  Send  payments  to  Banco  Popular  North 
America, Cardmember Service Center, 11601 Roosevelt Blvd-TA34 St. 
Petersburg,  FL,  33716.
Your payment will be credited as of the day we receive it, subject to any 
applicable cutoff hour. The new cutoff time for payments received by 
mail, telephone and other electronic means is 5:00 p.m. Central Time. 
We  offer  the  convenience  of  online  payments. 
  Please  visit 
www.mypopularcards.com to set up an account and avail of this free 
online payment service.  Payments received by 5:00 pm CST, Monday 
through  Friday,  will  be  processed  the  same  day.    Online  payments 
received on Saturday, Sunday or a Bank holiday will be processed the 
next business day. If the payment is made at a Bank branch during 
business hours in cash or with a check drawn against the Bank, it will be 
processed the same day. Credit for any other payments may be delayed 
five  (5)  business  days  during  which  interest  will  not  accrue.  If  your 
payment  due  date  falls  on  a  weekend  or  legal  federal  holiday,  the 

payment received will be credited to the account on the next business 
day and will not be considered late. If your payment is received after the 
payment  cutoff  time  on  the  due  date  or  any  time  thereafter,  a  late 
payment fee will be charged to your Account. Please refer to the back of 
your  card  mailer  for  more  details  regarding  the  minimum  monthly 
payment and other important terms applicable to your Account.

(viii) APPLICATION OF PAYMENTS
If  you  pay  the  required  minimum  payment  of  the  monthly  Account 
Statement, the payment shall be applied in the following way: first to 
INTEREST CHARGES and the rest shall be applied first to the debt 
resulting from purchases and cash advances, with the lowest APR and 
then to the debt with the higher APR in ascending order. Consequently, 
the debt with the higher APR will not be reduced, until the debt with the 
lower APR is paid in full. If you pay an amount in excess of the minimum 
required payment, the excess shall be applied first to the debt resulting 
from purchases and cash advances with the highest APR and then to the 
debt with the lowest APR in descending order. 
All payments by mail must be made by check or money order. Payments 
may  not  be  made  by  attempting  to  effect  a  transfer  or  by  using  a 
convenience check from this Account or from any other Banco Popular 
North America Credit Card Account.   You agree that any payment you 
make may be, but is not required to be, returned to you without applying it 
to  your  Account  and  without  presentment  or  protest,  for  reasons 
including, but not limited to, that the check or money order: (1) is missing 
a signature; (2) is drawn with different numeric and written amounts; (3) 
contains a restrictive endorsement; (4) is post dated; (5) is not payable to 
Banco Popular North America; (6) is not payable in U.S. dollars; (7) is not 
paid upon presentment; or (8) results from an attempted transfer or is 
drawn on a convenience check. You agree to pay any bank collection 
fees we incur for any check payments made in U.S. dollars drawn on a 
financial institution not located in the United States.  All payments made 
by mail under this Agreement must be received at the address specified 
on your billing statement. 
Any conditional check, money order or any other instrument tendered as 
full satisfaction of a disputed debt or as an accord and satisfaction or 
containing a restrictive endorsement must be sent to us at the Banco 
Popular North America, Cardmember Service Center, 11601 Roosevelt 
Blvd-TA34, St. Petersburg, FL, 33716.  You must note conspicuously on 
the face of the payment that it is tendered for this purpose. If you make a 
payment in any other manner and we accept it, we will not have waived 
our  rights  to  collect  any  amounts  owed  under  this  agreement.  Even 
though your payment may be posted to your Account, we may not restore 

your available credit or cash advance available credit immediately.

(ix) MONTHLY ACCOUNT STATEMENT
The Bank shall mail to you a monthly Account Statement at the end of 
each billing period in which you have a balance in excess of $1. You 
must notify the Bank, in writing, of any error in the Account Statement, 
within sixty (60) days, following the date on which the statement was 
mailed.

(x) FEES
Please  refer  to  your  Card  Mailer  backer  for  more  details  on  the 
applicable charges to your account. 
a. Penalty fee: A late fee will be added to the standard purchase balance 
for  each  billing  period  you  fail  to  pay  by  its  due  date  the  Minimum 
payment Due. Returned Payment fees may also be charged.
b. Currency conversion fee: If you make a transaction in a foreign 
currency, other than a cash advance made at a branch or ATM of one 
our  affiliates,  MasterCard  will  convert  the  charge  into  a  U.S.  dollar 
amount. MasterCard currently uses a conversion rate in effect one day 
prior to its transaction processing date. Such rate is either a wholesale 
market rate or the government-mandated rate. Please refer to your Card 
Mailer backer for more details on the applicable charges to your account. 
If you make a cash advance in a foreign currency at a branch or ATM of 
one our affiliates, the amount is converted into U.S. dollars by our affiliate 
in accordance with its foreign currency conversion procedures then in 
effect.  Our  affiliate  currently  uses  a  conversion  rate  in  effect  on  its 
applicable processing date. Such rate is either a mid-point market rate or 
the government-mandated rate.
The  foreign  currency  conversion  rate  in  effect  on  the  applicable 
processing date for a transaction may differ from the rate in effect on the 
Sale or Post date on your billing statement for that transaction.
If a transaction is converted by a third party prior to such transaction 
being processed by MasterCard, the foreign currency conversion rate 
for that transaction will be the rate selected by that third party.
c.  Administrative  charges:  We  may  charge  you  a  fee  to  take 
advantage  of  certain  optional  administrative  services  we  provide  our 
Cardmembers such as Copy of Statements, Additional Credit Cards or 
Express  Delivery  Services.  Each  time  an  administrative  service  is 
offered to you, any fee for the service will be reflected on your statement. 
You agree to pay the fee disclosed each time you opt to take advantage 
of an administrative service. These services are optional and are not 
required to be used by you.

(xi) DEFAULT AND TERMINATION OF CREDIT PRIVILEGES
You will be in default under this Agreement upon: (a) your failure to make 
at least the minimum payment by the date specified on your statement; 
(b) your violation of any other provision of this Agreement; (c) your death; 
(d) your becoming the subject of bankruptcy or insolvency proceedings; 
(e) you or your property becoming the subject of attachment, foreclosure, 
repossession, lien, judgment or garnishment proceedings; (f) your failure 
to supply us with any information we reasonably deem necessary; (g) 
your  supplying  us  with  misleading,  false,  incomplete  or  incorrect 
information; (h) our receipt of information that you are unwilling or unable 
to perform the Terms and Conditions of this Agreement; (i) our receipt of 
information from third parties, including credit reporting agencies, which 
indicates a serious delinquency or charge-off with other creditors; or (j) 
your moving out of the U.S. After your default, your Account balance will 
continue  to  accrue  interest  charges  at  the  contract  rate.    Balances 
outstanding under this Agreement when your credit line is reduced or 
terminated will continue to accrue interest charges until paid in full and 
subject to all Terms and Conditions of this Agreement. Upon default, we 
have the right to terminate or suspend your credit privileges under this 
Agreement, to change the Terms of your Account and this Agreement, 
may require you to pay your entire Account balance including all accrued 
but unpaid charges immediately as permitted by law and to sue you for 
what you owe. You will pay our court, reasonable attorney's fees and 
other collection costs related to the default to the extent permitted by 
applicable  law.  Upon  default,  we  will  apply  your  payments  first  to 
attorneys'  fees  and  then  in  the  order  set  forth  under  Application  of 
Payments.   We may continue to impose interest charges after default 
(including charge-off).

(xii) CREDIT AUTHORIZATIONS
Some transactions will require our prior authorization and you may be 
asked to provide identification. If our authorization system is not working, 
we may not be able to authorize a transaction, even if you have sufficient 
available  credit.    We  will  not  be  liable  to  you  if  any  of  these  events 
happen. We are not responsible for any refusal to accept or honor your 
card. We can cancel your Account, refuse to allow further transactions, or 
revoke your card at any time.

(xiii) CARD RENEWAL
Cards are issued with an expiration date.  We have the right not to renew 
your card for any reason.

(xiv) LIABILITY FOR UNAUTHORIZED USE
Retain your copies of all charge slips until you receive your statement, 
at  which  time  you  should  verify  that  the  charges  are  true  and  the 
amounts unaltered. You may be liable for the unauthorized use of your 
credit card. You will not be liable for unauthorized use that occurs after 
you notify us of the loss, theft or possible unauthorized use. Notification 
must be given by you immediately upon learning of the loss, theft or 
possible unauthorized use by calling us at 1-800-963-8738 or writing us 
at Banco Popular North America, Cardmember Service Center, P.O. 
Box 31535, Tampa, FL 33631.
In any case, your liability for unauthorized use of your credit card will not 
exceed $50. However, unauthorized use does not include use by a 
person to whom you have given the credit card or authority to use your 
Account, and you will be liable for all use by such a user. To terminate 
this  authority,  you  must  retrieve  the  credit  card  from  the  previously 
authorized user and return it to us at the aforementioned address along 
with a letter explaining why you are doing so. 

(xv) LOST OR STOLEN CARDS AND/OR CONVENIENCE 
CHECKS
You agree to notify us immediately if your card(s) or any transfer or 
convenience checks are lost or stolen.  You may notify us by calling 1-
800-963-8738.

(xvi) AMENDMENTS
Subject to applicable law, we may change or terminate any term of this 
agreement or add new terms at any time, without limitation, including 
adding or increasing fees, increasing your monthly minimum payment 
and increasing the rate or amount of interest charges, or changing the 
method  of  computing  the  balance  upon  which  interest  charges  are 
assessed. Prior written notice will be provided to you when required by 
applicable law.  Changes may apply to new transactions.

(xvii) CANCELLATION
You can cancel or close your Account by calling us at 1-800-963-8738 
or  by  writing  to  us  at  Banco  Popular  North America,  Cardmember 
Service  Center,  P.O.  Box  31535,  Tampa,  FL  33631.  Your  notice 
becomes effective within five days after we receive it.   Outstanding 
balances will continue to accrue interest and other charges and be 
subject  to  this  Agreement.  We  will  not  honor  any  transfer  or 
convenience check written on your Account if we receive the check 
after your Account is canceled.