REVOLVING ACCOUNTS PLAN AGREEMENT 
MASTERCARD  
(THE “AGREEMENT”) 
(For Cards issued as of January 2019) 

Use of the MasterCard credit cards (each card issued under this agreement, a “Card”) issued by 
Oriental Bank (“Oriental,” the “Bank” or “We”) to the person(s) for which a revolving account is 
established  under  this  Agreement  (jointly  and  severally,  if  more  than  one,  the  “Cardholder”  or 
“You”),  shall  be  governed  by  the  following  terms  and  conditions  and  by  the  provisions  of  the 
disclosures  applicable  to  the  Card  that  you  have  been  issued  (“Disclosure”)  provided  with  this 
agreement and those that we send you along with your Card, which constitute an integral part of 
this agreement (this agreement and the Disclosure, as both may be amended from time to time, the 
“Agreement”). 

The Cardholder and/or the person(s) authorized to use the Account (as defined below) (each an 
“Authorized User”) may use the Card: to purchase, rent or lease goods or services (“Purchases”) 
from establishments that honor the Card; to obtain cash advances from the Bank or from any other 
bank that honors the Card, subject to limits set from time to time by the Bank or any other bank 
associated  to  MasterCard  International,  Inc.  (the  “Association”)  where  the  Card  is  presented 
(including convenience checks, as applicable, “Cash Advances”); and to make balance transfers 
from other institutions (“Balance Transfers”). The Card may only be used for personal, family or 
household purposes. The Card shall not be used for business or corporate purposes or as a means 
of payment for any illegal purchase or transaction. 

The Cardholder shall owe and promises to pay to the Bank the amounts charged to the revolving 
account that is the subject of this Agreement (the “Account”), for use of the Card by the Cardholder 
and any other Authorized User as payment for Purchases, to receive Cash Advances, and to make 
Balance Transfers, plus FINANCE CHARGES and any other applicable charge, which sums shall 
be  payable  in  full  or  in  monthly  installments  in  legal  tender  of  the  United  States  of  America 
(“U.S.”), pursuant to the provisions of this Agreement. 

CREDIT LIMIT: You agree that the Bank, for your convenience, will establish a credit limit and 
that any Purchases, Cash Advances, and Balance Transfers that you charge against your Account 
will never exceed your credit limit from time to time in effect (“Credit Limit”). When you receive 
your Card, you will be informed of your Credit Limit, which will also be included in each periodic 
Account Statement (as defined below) we send you. You agree that the Bank may change your 
Credit  Limit  from  time  to  time  based  on  the  assessment  of  your  creditworthiness  or  payment 
history. You are responsible for keeping an eye on your Credit Limit, on your Account balance, 
and for not making transactions that exceed the Credit Limit. If you exceed your Credit Limit, the 
Bank  shall  have  the  right  to  cancel  your  Card,  require  its  return  or  confiscate  it,  and  close  the 
Account. The Bank reserves the right not to process any transaction that exceeds the Credit Limit. 

 
 
 
 
 
 
 
Any  amount  over  your  Credit  Limit  will  become  immediately  payable  by  you.  The  Minimum 
Payment (as defined below) will include any amount over your authorized Credit Limit. 

FINANCE  CHARGES  AND  METHOD  USED  TO  DETERMINE  THE  BALANCE  ON 
WHICH THEY ARE CALCULATED:  

You  shall  pay  a  monthly  FINANCE  CHARGE  calculated  on  the  Average  Daily  Balance  for 
Purchases (including Purchases for new merchandise and services), Cash Advances, and Balance 
Transfers, respectively (each, a “Transaction Type”) in your Account for the corresponding billing 
period. The FINANCE CHARGE shall be calculated as follows: 

ANNUAL PERCENTAGE RATE (“APR”):  To determine the APRs, the Bank will use the U.S. 
prime rate published by the U.S. Federal Reserve (the “Prime Rate”). The Bank will determine the 
APR applicable to each Transaction Type by adding to the Prime Rate the margin corresponding 
to the applicable Transaction Type (each, an “Applicable Margin”). If the U.S. Federal Reserve 
fails to publish the Prime Rate, we will select a similar index as permitted by law or regulation. 

Applicable Margin: We will determine the Applicable Margin to Purchases and Balance Transfers 
based on your credit rating at the time of approval of your Card application. The Applicable 
Margin to Cash Advances will be established by the Bank in accordance with its procedures. 

Periodic Rate: To calculate the periodic rate (the “Periodic Rate”) we will divide by 12 the APR 
corresponding to each Transaction Type. The result will be the monthly Periodic Rate applicable 
to the corresponding Transaction Type. 

Variable  Rate:  The  APRs  and,  therefore,  the  Periodic  Rates  respectively  applicable  to  each 
Transaction Type are variable. This means that they can increase or decrease as the Prime Rate 
changes. An increase in the Prime Rate could represent an increase in the APRs applicable to your 
Account and your Minimum Payment. Any increase in the Prime Rate shall be effective from the 
first  day  of  the  billing  period  following  the  date  on  which  the  Prime  Rate  change  occurred.  In 
addition, from time to time, we may change the Applicable Margins to your Card as permitted by 
law  or  regulation.  This  can  also  cause  your  APRs,  Periodic  Rates  and  Minimum  Payment  to 
increase or decrease. 

Statement on the MAPR (Military Annual Percentage Rate) applicable to credit extensions 
to consumers: 

Federal law provides important protections to members of the Armed Forces and their dependents 
in relation to extensions of consumer credit. In general, the cost of consumer credit for a member 
of the Armed Forces and its dependents cannot exceed an APR of 36%. This rate must include, as 
applicable to the credit transaction or account: the costs associated with credit insurance premiums; 
fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee 
charged (other than certain application fees for specified credit transactions or accounts); and any 
participation fee charged (other than certain participation fees for a credit card account). 

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BALANCE  ON  WHICH  THE  FINANCE  CHARGES  ARE  IMPOSED:  To  calculate  the 
FINANCE  CHARGE,  we  will  use  the  average  daily  balance  including  Purchases  for  new 
merchandise and services (the “Average Daily Balance”). 

We  obtain  the  Average  Daily  Balance  for  each  Transaction  Type:  (i)  by  taking  the  beginning 
balance  for  the  appropriate  Transaction  Type  each  day  of  the  billing  period,  subtracting  any 
payments and credits made during the day, and adding any Purchases (for the computation of the 
Average Daily Balance for Purchases), Cash Advances (for the computation of the Average Daily 
Balance for Cash Advances), Balance Transfers (for the computation of the Average Daily Balance 
for  Balance  Transfers),  and  miscellaneous  debits  posted  during  the  day,  which  gives  us  the 
“balance  owed  each  day  in  the  billing  period”  for  each  Transaction  Type  (Purchases,  Cash 
Advances, or Balance Transfers); and (ii) then, for every Transaction Type, all “balances owed 
each day in the billing period” are added and the total is divided by the number of days in the 
period; the result is the Average Daily Balance for each Transaction Type.  

CALCULATION OF THE FINANCE CHARGE: The FINANCE CHARGE corresponding to 
a certain billing period for each Transaction Type is established by multiplying the Average Daily 
Balance pending payment corresponding to the Transaction Type in question by the Periodic Rate 
applicable to said Transaction Type. 

The Purchases shall be assessed from the date the Bank pays the seller or person who renders the 
services.  However,  no  FINANCE  CHARGE  will  be  assessed  on  Purchases  for  billing  periods 
where there is no previous outstanding balance, provided that the total Account balance, including 
Purchases,  Cash  Advances,  and  Balance  Transfers  made  during  the  previous  period,  is  paid  or 
credited  in  full  to  the  Bank  by  the  payment  due  date.  There  will  be  no  grace  period  for  Cash 
Advances or Balance Transfers. FINANCE CHARGES on Cash Advances and Balance Transfers 
shall be assessed from the date the advances are paid.  

Minimum Interest Fees: FINANCING CHARGES are assessed on the principal balance only. 
Provided, that the FINANCING CHARGE shall not be less than $1.50. For details on fees and 
rates applicable to Purchases, Cash Advances, Balance Transfers and their corresponding APRs, 
other rates, and APRs relating to offers (if any), and any other information applicable to the Card, 
please see the Disclosure. 

MINIMUM MONTHLY PAYMENT:  

You may pay the new balance in full or in monthly installments, which shall be for an amount 
equal to or higher than the minimum payment, as stated below (the “Minimum Payment”). If the 
outstanding  total  balance  for  Purchases  is  paid  in  full  within  21  days  of  the  date  the  Account 
Statement  was  sent  and  if  there  is  no  previous  balance  in  said  billing  period,  no  FINANCE 
CHARGES will be assessed on the balance paid for Purchases. The Minimum Payment is the sum 
of (i) the Current Minimum Payment (as defined below), (ii) any portion due from the previous 
Minimum Payments (the “Past Amount Due”), and (iii) any amount over your authorized Credit 
Limit.  

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Your Current Minimum Payment will be an amount equivalent to 2% of the balance owed or $15, 
whichever  is  greater;  provided,  that  if  your  balance  due  is  less  than  $15,  then  your  Current 
Minimum Payment will be the total of the balance owed (“Current Minimum Payment”). Your 
Minimum Payment will also include past due debts. 

In addition to the Minimum Payment as shown on the monthly Account Statement, the Cardholder 
will be billed, and he/she must pay by the Minimum Payment due date every month, any amount 
related to late payments or amounts charged by the Cardholder over the authorized Credit Limit. 
The Cardholder may pay the total outstanding amount at any time. 

APPLICATION  OF  PAYMENTS:  If  you  pay  the  Minimum  Payment  shown  on  the  monthly 
Account Statement, it will be applied in the following order: (1) to FINANCE CHARGES; (2) to 
the outstanding balance for Purchases; (3) to the balance of Cash Advances; and (4) to Balance 
Transfers.  As  for  payments  that  are  greater  than  the  Minimum  Payment  required,  the  excess 
amount will be applied to the outstanding balance with the highest APR and any remaining amount 
of such excess will be applied to other balances in descending order, based on the applicable APR. 
Your payment will be credited as of the date of receipt if it is received at the address on the Account 
Statement and is made by  a check from a bank in Puerto Rico or the U.S. and  you include the 
payment coupon. Cash payments must be made at any of our branches. Do not send cash payments 
by mail; if you do, it is at your own risk. If payment is made at a branch of the Bank before its 
closing time, it will be credited on the same day if made in cash or by check from a bank located 
in Puerto Rico or the U.S. Payments made using a mailbox at a branch of the Bank must include 
the payment coupon in order to be processed on the same day. Cash payments must be made at 
any of our branches. Do not deposit cash payments at a branch mailbox; if you do, it is at your 
own  risk.  Previously  programmed  electronic  payments  through  Bill  Pay  originated  by  Oriental 
Online and other payments generated by  Internet that are received by the Bank before 5:00 pm 
from Monday to Friday (except holidays) and all other payments received (including payments by 
telephone and payments received through Bill Pay originated through other banks) received by the 
Bank before 7:00 p.m. from Monday to Friday (except holidays) will be processed and accredited 
on the same day. If your payday is a Sunday or holiday, your payment will be considered a payment 
made on time provided it is received by the Bank during the next business day. 

MONTHLY ACCOUNT STATEMENT: The Bank will send you an Account Statement every 
month at the end of the billing period. Each Account Statement will have the following entries, as 
applicable:  previous  balance,  payments,  credits,  debits,  Purchases,  Cash  Advances,  Balance 
Transfers, and convenience checks made during the billing period, the FINANCE CHARGE, the 
APRs,  the  billing  period  closing  date,  the  new  total  balance,  the  minimum  payment  and  the 
payment due date (the “Account Statement”). You must notify the Bank in writing of any error in 
the Account Statement within sixty (60) days following the date the Account Statement was sent 
to you. The Bank reserves the right to not send the Account Statement under the circumstances 
allowed by law, including, but not limited to, billing periods at the end of which the Account has 
a  zero  balance  and  there  was  no  activity  during  the  billing  period;  if  the  Account  is  deemed 
uncollectible by the Bank; if legal action to collect an outstanding debt has been filed; or when the 
law prohibits the Account Statement to be sent. 

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DEFAULT: You will have defaulted on this Agreement if you do not make any payment on time, 
if you file for bankruptcy, or if you do not comply with any other provision of this Agreement. 
Without limitation to any other rights under this Agreement or under applicable law, in case of 
default, the Bank may demand payment of the entire outstanding balance. If the Bank is forced to 
collect from you through a legal process, you may also incur legal expenses and attorney fees, as 
well as any other amounts allowed by law. 

In addition, if the Bank does not receive the Minimum Payment within sixty (60) days from its 
due  date,  the  APR  applicable  to  existing  balances  and  to  new  Purchases,  Cash  Advances  and 
Balance  Transfers  will  increase  to  the  default  penalty  rate  shown  on  the  Disclosure  (“Penalty 
Rate”). In such a case, the Penalty Rate will be effective from the billing period or cycle beginning 
forty-five (45) days after the date we notify you of the application of the Penalty Rate. The Penalty 
Rate will apply to transactions made beginning fifteen (15) days after the appropriate notice. The 
Penalty Rate will cease to be applied after the Bank has received six (6) consecutive payments for 
at  least  the  Minimum  Payment  by  their  due  date,  starting  with  the  first  payment  due  after  the 
effective date of the rate increase. After the suspension of the Penalty Rate, the regular rate stated 
in the Disclosure will apply, but any promotional or special rate will not apply. During the effective 
period  of  the  Penalty  Rate,  the  Minimum  Payment  will  be  calculated  at  3%  of  the  outstanding 
balance. 

ANNUAL FEE: For the ANNUAL FEE applicable to your Card, please refer to the Disclosure. 

CURRENCY CONVERSION FEE: Any transaction made in foreign currency will be shown in 
U.S. dollars in your Account Statement. The conversion from foreign currency to U.S. dollars will 
be done by the Association. The foreign currency conversion will be done by using: 

a) 
An  applicable  rate  of  exchange  selected  by  the  Association  amongst  the  various  rates 
available in the foreign exchange market at the date your transaction is processed. The exchange 
rate  used  by  the  Association  for  this  purpose  could  be  different  from  the  rate  obtained  by  the 
Association itself, or 

The exchange rate determined by the applicable government for the date your transaction 

b) 
is processed. 

The Association will assess a Currency Conversion Fee equal to 1% of the transaction amount in 
foreign currency.  

JOINT ACCOUNTS: The Cardholders, if more than one, will be jointly and severally liable for 
payment in full for any Purchases, Cash Advances, Balance Transfers, and transactions made with 
convenience  checks  from  the  Card.  The  Bank  may  require  the  appearance  and  signature  of  all 
Cardholders, in order to process certain instructions or requests, including, but not limited to (i) a 
request to increase or decrease the line of credit, (ii) the issuance of additional Cards, and (iii) a 
change to the mailing address for the Account Statement. To the extent allowed by applicable law 
and  regulations,  you  agree  to  indemnify  and  hold  harmless  the  Bank  and  its  parent  company, 
affiliates,  subsidiaries,  directors,  officials,  employees  and  representatives  from  any  liability  for 

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damage,  loss  or  expenses  arising  from  any  action  carried  out  by  the  Bank  in  compliance  with 
instructions provided by any of the Cardholders. 

LOST OR STOLEN CARD: If the Card is lost or stolen or if you think someone might use it 
without  your authorization,  you should immediately notify the  Bank and  complete and file any 
forms, complaints, statements or information that the Bank may require from you. In case of loss, 
theft or potential unauthorized use, you may be liable for the unauthorized use of the Card for up 
to $50.00, unless you have notified the Bank of the loss, theft or potential unauthorized use of the 
Card prior to any Purchase or Cash Advance, by notifying in writing to the address included in the 
Account Statement and calling toll free at 1-877-541-5739 or international at 1-866-839-3485. 

YOUR BILLING RIGHTS: This notice contains important information about your rights and 
the Bank responsibilities under the Fair Credit Billing Act. We encourage you to keep it for future 
reference. 

WHAT TO DO IF YOU FIND AN ERROR ON YOUR ACCOUNT STATEMENT: Notify 
us  in  case  of  any  error  or  questions  about  your  Account  Statement.  If  you  think  your  Account 
Statement  is  incorrect  or  if  you  need  more  information  about  a  transaction  on  your  Account 
Statement, write to the Bank (on a separate sheet of paper) at the address indicated on your Account 
Statement, as soon as possible. The Bank must receive  your letter no later than sixty (60) days 
after we sent you the first Account Statement on which the error or problem appeared. You may 
contact the Bank by phone, but doing so will not preserve  your rights. In your letter,  you must 
provide the following information: (i) your name and Account number, (ii) the dollar amount of 
the suspected error, and (iii) describe the error and explain, if you can, why you believe there is an 
error.  If  you  need  more  information,  describe  the  entry  you  are  unsure  about.  If  you  have 
authorized the Bank to pay your Account Statement automatically from your checking or savings 
account,  you can stop the payment on any amount you think is incorrect. To stop the payment, 
your  letter  must  be  received  by  the  Bank  at  least  three  (3)  business  days  before  the  automatic 
payment is scheduled to be made. 

YOUR RIGHTS AND THE RESPONSIBILITIES OF THE BANK AFTER RECEIVING 
YOUR WRITTEN NOTICE: When the Bank receives  your written communication, there are 
two things we must do:  (i) within 30 days of receiving  your letter, the  Bank will acknowledge 
receipt;  the  Bank  will  also  tell  you  if  the  error  has  been  already  corrected;  (ii)  within  two  (2) 
complete billing periods that will not exceed 90 days after receiving your letter, the Bank must 
either correct the error or provide you an explanation as to why we believe the Account Statement 
is correct. 

While we investigate whether it is an error or not: (i) the Bank cannot try to collect from you the 
amount in question or report your Account as delinquent on that amount; (ii) the charge in question 
may  remain  on  your  Account  Statement  and  we  may  continue  to  charge  you  interest  on  that 
amount; (iii) while  you  do not have to pay the  amount in question,  you  are  responsible for the 
remainder of the balance; and (iv) the Bank may apply any unpaid amount against  your Credit 
Limit. 

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After we finish the investigation, one of two things will happen: (i) If we made a mistake, you will 
not have to pay the amount in question or any interest or fee related to it; or (ii) if the Bank does 
not think there was an error, you will have to pay the amount in question, along with applicable 
interest and fees. The Bank will send you an Account Statement of the amount you owe and the 
date payment is due. The Bank may then report your Account as delinquent if you do not pay the 
amount the Bank believes you owe. If you receive our explanation but you still believe that the 
Account Statement is wrong, you must send the Bank a written communication within the next ten 
(10) days notifying us that you still refuse to pay. If you do so, the Bank cannot report your Account 
as delinquent without also reporting that there is a dispute over your Account Statement. 

Also, the Bank will tell you the name of all the people or entities to which the Bank reported your 
delinquent Account, and will also tell those people or entities when your claim has been settled. 

If the Bank does not follow the rules above, then it cannot collect from you the first $50.00 of the 
disputed amount, even if your Account Statement is correct. 

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT PURCHASE: If you 
are not satisfied with the goods or services purchased with your Card and, provided you have tried 
in good faith to correct the problem with the merchant or seller, you may have the right not to pay 
the remaining amount due on the merchandise or service. There are two limitations to this right: 
(i) you must have made the purchase in Puerto Rico or, if not in Puerto Rico, within one hundred 
(100) miles of your mailing address, and the Purchase price must be more than $50; (ii) you must 
have  used  the  Card  for  the  purchase  (Purchases  made  with  Cash  Advances  from  an  automated 
teller machine (ATM) or with a check that accesses your Account do not qualify); and (iii) you 
must not  yet have fully  paid for the Purchase. These limitations do not apply if the business is 
owned or controlled by the Bank, or if the Bank sent you the advertisement or promotion for the 
goods or services. If all of these criteria are met and you are still dissatisfied with the Purchase, 
write to us at the  address shown above. While we investigate, the same rules stated previously 
regarding  the  disputed  amount  apply.  After  we  finish  the  investigation,  we  will  notify  you  our 
decision. Then, if we believe that you owe any amount and you do not pay, we may report your 
Account as delinquent. 

AMENDMENTS:  The  Bank  reserves  the  right  to  amend  this  Agreement,  including  the  APR, 
FINANCE CHARGES, the annual fee, an increase in the Minimum Payment required, and other 
fees  and  terms  of  this  Agreement  that  constitute  significant  changes,  as  defined  by  law  or 
regulation, at any time, by written notice to the Cardholder not less than forty-five (45) days before 
the effective date of the amendment, except as otherwise allowed by applicable law or regulation; 
for accounts with more than one Cardholder, notice to any Cardholder shall be effective for all. 
Any other amendment that is not a significant change, as defined by law or regulation, may be 
notified by the Bank and shall be effective pursuant to the time schedule provided by such law or 
regulation. Any amendment to FINANCE CHARGES shall apply to Purchases, Cash Advances, 
and Balance Transfers made beginning on the effective date of the amendment. 

RIGHT TO REJECT AMENDMENTS: If you are notified of an amendment and you are given 
the opportunity to reject it, you must follow the instructions on the notice. If the Bank does not 

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receive the Minimum Payment required within sixty (60) days after its due date, you will not have 
the right to reject an amendment. 

TERMINATION  OF  AGREEMENT,  CARD  CANCELLATION,  AND  TRANSACTION 
DENIAL:  You  may  cancel  this  Agreement  at  any  time  by  notifying  the  Bank  in  writing  and 
returning your Card cut in half. The Bank reserves the right to cancel the credit approved under 
the Card and may terminate this Agreement at any time. The Card is property of the Bank and the 
Bank may: (i) cancel or revoke your right to use it at any time, with or without cause, and without 
prior notice; (ii) suspend the use of the Card including, without limitation, for security reasons or 
if unusual or suspicious activity is detected in your Account, until the authenticity of the transaction 
is verified. The Bank may approve Purchases, Cash Advances, and Balance Transfers that may 
exceed your credit limit, without waiving our rights under this Agreement. 

The Bank may limit the number of Purchases, Cash Advances, and Balance Transfers approved 
on any day and shall not be liable for transactions not approved by the Bank to a third party, even 
if  you have available credit. You promise to return, upon request of the Bank, all Cards issued 
under  this  Agreement  and  to  continue  being  responsible  for  payment  of  the  full  outstanding 
balance at the time of cancellation. Your obligations under this Agreement shall continue in effect 
regarding any outstanding balance, even when this Agreement is terminated by you or the Bank or 
in any other way. The Bank may issue a different Card at any time. 

INSURANCE:  Any  insurance  coverage,  including  life,  accidental  death  and  dismemberment, 
disability, or involuntary unemployment, is optional and is not a condition to grant you credit. 

MISCELLANEOUS  PROVISIONS:  Failure  by  the  Bank  to  enforce  any  right  under  this 
Agreement  shall  not  constitute  a  waiver  of  such  right.  If  any  clause  or  part  of  a  clause  of  this 
Agreement is held by a court to be unlawful or invalid for any reason or if it becomes unenforceable 
as a result of a legal or regulatory provision, the remaining provisions of this Agreement shall not 
be affected and shall remain in full force and effect. 

You understand and agree that these Cards may not be used for business or corporate purposes. 
The Bank, at its discretion, reserves the right to convert your account to any other type of revolving 
account at any time, provided that you meet all of the credit criteria established by the Bank for 
the new account. 

YOU  ARE  NOT  REQUIRED  TO  ACCEPT  THE  CARD,  AND  YOU  WILL  NOT  BE 
RESPONSIBLE FOR ANY FEE UNLESS YOU ELECT TO ACCEPT IT BY USING IT. 
THE  CARDHOLDER  IS  ENTITLED  TO  RESCIND  THIS  AGREEMENT  IF,  WITHIN 
FIFTEEN (15) DAYS OF RECEIVING IT AND WITHOUT USING THE CARD(S), THE 
CARDHOLDER  NOTIFIES  THE  BANK.  Use  of  the  Card  by  the  Cardholder  or  by  any 
Authorized  User  constitutes  acceptance  of  the  Card  and  of  the  terms  and  conditions  of  this 
Agreement by the Cardholder. If you do not wish to accept the Card, you must notify the Bank 
within fifteen (15) days of receiving it, without using the Card. To notify that you do not wish to 
accept the Card, you must call toll free at 1-877-541-5739 or international at 1-866-839-3485. 

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You authorize the Bank to investigate your credit references. The Bank reserves the right to issue 
or not issue, or to renew or not renew, the Card(s). 

If there is a claim against a person or entity from whom merchandise or services were purchased 
by charges to the Card account, the Cardholder shall solve such disputes directly with the seller of 
the merchandise or services. In case of merchandise returns or adjustments to charges for services, 
the Cardholder shall accept a credit to the Account in lieu of a cash refund. 

This Agreement shall be governed and construed pursuant to the laws of the Commonwealth of 
Puerto Rico. 

Oriental Bank  
Customer Service  
PO Box 31535 
Tampa, FL 33631-3535 

560053 

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