Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

9.99% to 23.25% when you open your account, 
based on your creditworthiness.  

APR for Balance Transfers 

APR for Cash Advances  

How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 

For Credit Card Tips from 
the Federal Reserve Board 

This APR will vary with the market based on the Prime Rate. 

0.00% introductory APR for 9 months from the transfer date (for  
     transfers made within the first 3 months from account  
     opening).  

After  that,  your  APR  will  be  9.99%  to  23.25%     based  on 
your credit worthiness when you open your account. This APR 
will vary with the market based on the Prime Rate. 

16.99%, to 30.25% when you open your account, based on 
your creditworthiness.  
This APR will vary with the market based on the Prime Rate. 

Your 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, convenience checks 
and balance transfers 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 
Annual Fee 

Transaction Fees 

None 

   •  Balance Transfers 

3% of the amount of each transfer (min. $5; max. $100) 

   •  Cash Advances 

$29 

   •  Convenience Checks 

3% of the amount of each transaction (min. $5; max. $100) 

   •  Foreign Transaction 

3% of each transaction in U.S. dollars 

Penalty Fees 

   •  Late Payment 

Up to $35 

   •  Returned Payment 

Up to $35 

How  We  Will  Calculate  Your  Balance:    We  use  a  method  called  "average  daily  balance  (including  new 
purchases)". See your account agreement for more details. 
Loss of Introductory APR:  We may end your introductory APR if you make a late payment.  In the event 
you lose the introductory APR, your new APR will be the applicable APR for Purchases.  This APR will vary with 
the market based on the Prime Rate. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your account agreement.  

Terms and Conditions 
· Terms and conditions set forth herein are only valid for new accounts.  You must be at least 18 years of age 
and either a United States citizen or permanent U.S. resident. Banco Popular North America (“BPNA” or the 
“Bank”) is the issuer of the account. Banco Popular North America operates as  “Popular Community Bank” in 
each of New York, New Jersey, Florida, California and Illinois.  Popular Community Bank is  trade name used 
for Banco Popular North America and is the same FDIC-insured institution. 
·  For  each  billing  period,  we  use  the  Prime  Rate  published  in  the  Money  Rates  section  of  The  Wall  Street 
Journal two business days prior to the Statement/Closing Date for that billing period. 
· To  help  the  government  fight  the  funding  of  terrorism  and  money  laundering,  Federal  law  requires  all 
financial  institutions  to  obtain,  verify  and  record  information  that  identifies  each  person  who  opens  a  new 
account,  including  your  name,  address,  date of  birth,  and  other  information  that  will  allow  us  to  verify your 
identity. 
· BPNA shall be authorized to verify or check any of the information given, to obtain information from others to 
investigate your credit, employment and income history and to report information regarding  your account to 
consumer reporting agencies. 
· BPNA shall determine the amount of credit extended, as well as which product you qualify for, based on the 
Bank’s criteria.   
· We may report information about your account to credit bureaus.  Late payments, missed payments or other 
defaults on your account may be reflected in your credit report. 
· The terms of the account, including the APRs, are subject to change. Within certain limits imposed by law we 
may change APRs on fixed  rate accounts, or change  to a variable rate, after the first year and giving  you a 
required notice. Other fees and charges may also be changed after notice to you. 

 
 
 
 
 
 
 
 
 
Popular Rewards Program 
The Popular Rewards Program (the “Program”) offers Banco Popular North America consumer, debit and 
business customers the opportunity to earn points that can be redeemed for goods and services through 
transactions designated by BPNA. The Program is offered at the sole discretion of BPNA and may also be 
offered to its affiliates. 
The Program or any portion thereof may be revised or terminated with 30 days prior written notice. If the 
Program is terminated, you will only have 90 days from the Program termination date to redeem all your 
accumulated Program points ("Popular Points”). However, the Program rewards may be changed or 
substituted, as well as Popular Point levels required for specific Program rewards adjusted, at any time without 
prior notification. All Program rewards are subject to availability. You may access continuously updated Terms 
and Conditions of Program at www.popularrewards.com. 
A Program Member Account ("Popular Rewards Account") will be set up to record your Popular Points activity. 
Popular Points are only earned on eligible purchases and balance transfers. Popular Points are contributed 
directly by BPNA into your Popular Rewards Account on a periodic basis. A $3 redemption fee will be charged 
to your account every time points are redeemed. Popular Points accumulate and expire as described in your 
Program materials. If the account is closed, the Popular Points accumulated will automatically expire. Popular 
Points and rewards have no cash value, may not be assigned, transferred and/or pledged to any third party. 

 
 
 
 
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 Account 
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 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 Card will not 
exceed $50. However, unauthorized use does not include use by a 
person to whom you have given the 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  Card  or  Cards  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 cancelled. 

(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  Amendment  provision  or  any  other  provision  herein 
relating to a change in the terms of this Agreement, this Applicable Law 
provision, and any of the Interest Charge, Application of Payment and 
Fee 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 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.

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.

then report you as delinquent if you do not pay the amount we 
think you owe.

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. 

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.

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.

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.
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.

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 

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 
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.

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.

I004532

Retail Installment Agreement
Revolving Accounts Plan
SET MasterCard

Effective June 2011

Please retain this for your records.

Minimum Monthly Payment:  The minimum fixed monthly payment is 
calculated according to the limits of approved credit line as indicated in 
the following table:

Credit Limit 
$1,000
 $1,500 
$2,500 
$3,500 
$4,500
$5,500 
$7,000 
$8,000 

Minimum  Payment
$35 
$50 
$75 
$100 
$125 
$150 
$185 
$210 

(I) ACCOUNT
This  is  the  Agreement  (this  “Agreement”)  that  covers  your  Banco 
Popular North America MasterCard credit card account (called your 
“Account”) with us. In this Agreement, and in your Account Statements 
(each, an “Account Statement”), 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” and “Bank” refer to Banco Popular North America.
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,  any  Card 
associated  with  your  Account  for  any  other  purpose,  you  will  be 
responsible for such use and may be required to reimburse us and 
MasterCard® International Incorporated (“MasterCard”) 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  any  Card 
associated  with  your  Account;  (b)  INTEREST  CHARGES,  late 
charges, and any other fees or 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 Account Statement.

(iv) CREDIT LIMIT
You agree that the Bank, for your convenience, will establish a credit limit 
and that the purchases     and Cash Advances that you charge to this 
Account, shall at no time exceed your credit limit. Upon receipt of your 
Card, you will be informed of your credit limit, which will appear in each 
Account Statement as defined herein. You agree that the Bank may, 
from time to time, change your credit limit, taking into consideration your 
previous credit experience or payment history. Should you exceed your 
authorized credit limit, the Bank will have the right to cancel the Card, 
require its return or forfeit the Card and close the Account. Any amount 
due,  in  excess  of  your  authorized  credit  limit,  shall  be  payable 
immediately. Your minimum payment shall include any excess over your 
authorized credit limit.

(v) INTEREST CHARGES
Monthly INTEREST CHARGES will be computed on all balances on this 
Account. The INTEREST CHARGE applied to purchases   and balance 
transfers  from  other  institutions  will  be  based  on  variable  Annual 
Percentage Rates (“APR”). This APR can increase or decrease for each 
billing period.  Different APRs can apply to purchases, Cash Advances, 
balance  transfers  from  other  institutions,  and  convenience  checks. 
Please refer to the accompanying card mailer for specific APRs related 
to your Account.  
Variable APRs will be determined by adding the United States Prime 
Rate as published in The Wall Street Journal (“Prime Rate”) to a margin. 
There is no pre-set limit on rate increases.  The amount of your margins 
and current APRs are disclosed in the accompanying card mailer. We 
determine the margins applicable to your Account based on your credit 
history at the time of approval of your Card application.  An increase in 
the  Prime  Rate  will  cause  an  increase  in  your APR,  the  INTEREST 
CHARGE and your minimum payment.  
The “Daily Periodic Rate” is calculated separately for purchases and 
Cash Advances  and  is  determined  by  dividing  the APR  by  365  and 

rounding up.  For each billing period, the APR will be based on the Prime 
Rate published two business days prior to the Account Statement/closing 
date for that billing period.  In the event the Prime Rate is not available as 
of that date, we may substitute a similar published rate that is outside of 
our control.  To the extent permitted by law, any change in your APR will 
apply to the existing balance on your Account and to new transactions.  
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 CHARGE 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 Account Statement if that 
Account  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 Account Statement if you pay 
the new balance in full on or before the date specified in your Account 
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 card mailer 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.  Please  refer  to  the 
accompanying card mailer for specific annual fee information related to 
your Account.  

(vii) MINIMUM MONTHLY FIXED PAYMENT
The minimum monthly fixed payment is based on your Account credit 
limit. We will not impose any late charges or penalty fees if you pay at 
least the minimum payment reflected on your Account 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. 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 Account 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 Account 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 Account 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 Account 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 
Account 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 
Account  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