Credit Card Agreement for Melaleuca Rewards Visa� Card  
issued by Banco Popular de Puerto Rico  
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  Your  APR will be from 14.74% to 27.74%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.  
APR for Balance Transfers  0% introductory APR for the first 12 months . Applies to transfers made within the 
first 90 days from account opening.  
 
After that, your APR will be from 14.74% to 27.74%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  25.74% to 2 9.74%, based on your creditworthiness.  
This APR will vary with the market based on the Prime Rate.  
Paying Interest  Your payment due date is at least 21 days after the close of each billing cycle.   You 
will not be charged interest from the time you purchased goods or services, if you 
pay your full account balance by the Payment Due Date. In the event you don�t pay 
the full account balance, while in Grace Period, you will not pay interest on the 
amount paid for that cycle.  On subsequent cycles you will not have grace period 
until you pay your full account balance on time for two cycles in a row. Amounts 
related to certain offers will not be taken into cons ideration in determining the Grace 
Period, please refer to the offer terms and conditions. There is no grace period for 
Balance Transfers, Convenience Checks or Cash Advances and begin to accrue 
interest on the date they are posted and remain subject to In terest Charges until 
paid in full.  
 
For Credit Card Tips from the  
Consumer Financial Protection 
Bureau  To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  
Fees  
Annual Fee  $0 Annual Fee  
$0 Additional Card Fee  
Transaction Fees   
   �  Cash Advances and  
       Convenience Checks  2% of the amount of each transaction (minimum $2; maximum $10) 
   �  Balance Transfers  2% of the amount of each transfer (minimum $2; maximum $10) 
   �  Foreign Transaction  1% of each transaction in U.S. dollars for Visa  
Penalty Fees   
   �  Returned Payment  Up to  $10 
   �  Late Payment  Up to  $40 
How We Will Calculate Your Balance :  We use a method called "average daily balance (including new transactions)�. 
Please refer to your Agreement for more details.  
Loss of Introductory APR:   We may end your introductory APR and apply the corresponding transaction  APR if you 
close your accou nt or if you miss a payment.  
Billing Rights:   Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Agreement.  
 
1The corresponding Daily Periodic Rate for the Penalty APR is 0.0822%.  
   
Please  read  these  terms  and conditions  carefully  and keep  them  for future  reference . 
 
The terms and conditions for the revolving credit Account we established for you are contained below. Your entire Agreement w ith us 
includes:  (1) the terms and conditions stated  in this document  and your application;  (2) your Account -Opening  Disclosures  and all 
disclosures  and materials  provided  to you before  or when you opened your Account; (3) all billing statements; (4) any rewards program 
terms, conditions, a nd disclosures; (5) our privacy  notices; (6) any other documents relating to your Account that we send by email or 
post online; and (7) any amendments we make to  such  documents  from time  to time.  
Use of the Card (the credit Card we issue to you to access y our Account) constitutes acceptance of this Agreement. If you accept the  
Card, you should sign the Card immediately when you receive it. This Agreement applies whether or not you use your Card and w ill 
continue to apply even after your Account is closed, as long as you have a balance.  If you choose not to accept the Card, you should  not 
use it and should  notify  the Bank within  15 days  after receiving  this Agreement  by contacting Customer  Service.  
Your Agreement and Promise to Pay: By using your Car d, Account number or a device to access your Account, making a payment on  
the Account, or signing an application for any Card we send you, you represent you are of legal age in your state of residenc e and you  
agree to the terms of this Agreement. You agree  to pay us all amounts that we lend to you on your Account, together with Interest  Charges 
and fees as provided in this Agreement. You agree to release and indemnify us from liability for damages, losses, or expenses  that arise 
as a result of  our complianc e with your  instructions.  
 
WHO  ARE  THE PARTIES  TO THIS  AGREEMENT?  
 
TERMS  WE USE WHAT  IT MEANS  HOW  IT AFFECTS YOU  
You and your  All persons who applied for the  
Account or who are liable on  
the Account by any other  
means and all Authorized  
Users.  If there  are joint Cardholders,  each  of you will be responsible  individually  and 
jointly  for the entire  amount  due on the Account.  We may send  
communications to either of you; we may disclose information about the  
Account to either of you; and we may accept instructions from either of you  
(even  if you have  a disagreement).  
We, us, our and 
Banco  Popular  Banco Popular de Puerto Rico,  
its agents, authorized  
representatives, successors  
and assigns.  We are the lender  on your Account  and the issuer  of your Card.  
Authorized  User  Anyone  else that you permit  to 
use your Account.  An Authorized User is any person you request us to issue a Card that  
accesses  your Account  or any person  you give your Card  or Card  number  to. 
You are responsible for any charge on your Account by an Authorized User  
even if you told that person not to make that specific charge. If you wish to  
revoke  an Authorized  User,  you must  notify  us through  our Customer  Service.  
You are responsible for recovering from that Authorized U ser and destroying  
any Cards, Convenience Checks and other devices that can be used to  
access your Account.  
 
HOW  DO YOU  USE YOUR ACCOUNT?  
You may use your Account only for personal, family or household purposes. You may not use your Account for illegal purposes or for  
internet gambling (even if legal). However, you are still responsible for any transactions that you enter into, even if in vi olation of law or  
this Agreement.  You must  take reasonable  steps  to prevent  unauthorized  use of your Account.  Subject  to applicable  law we may cancel  
or convert your Account to  any of our other revolving accounts.  
 
TERMS WE USE  WHAT IT MEANS  HOW IT AFFECTS YOU  
Transactions  or 
Transaction  Types  The Transaction Types are:  
Purchases, Cash  Advances, 
and Balance  Transfers, as 
described  below.  We do not guarantee that your Card  will be accepted  when  you attempt  to use 
it. You may carry out Transactions by using your Card, Account number or  
other credit device linked to your Account (including a mobile device, subject  to 
the terms and conditions of that service). Each Transaction Type will have  its 
own balance  and may have  a separate  Interest Charge.   Purchases  When you use the Card to  
buy goods and services  
from merchants that accept  
the Card.  The merch ant will receive our authorization or denial to charge your Account  
in accordance with the terms of the Agreement. We may deny any Purchase  
transaction authorization request from a merchant at our sole discretion for  
security and other reasons, even if the re is sufficient available credit. We are  
not responsible  for any losses  associated with  a declined  transaction.  
Balance  Transfers  
and Fees  When you transfer a  
balance from another credit  
card.  We permit Balance Transfers from most accounts issued by other banks but  
not from other  accounts  or loans  with us or any of our affiliates.  We will charge  
a Balance  Transfer  fee based  on the amount  of each  Balance  Transfer,  as set 
forth in the Account -Opening  Disclosures.  
Cash  Advances  and 
Fees  When you obtain cash or  
an equivalent through your  
Card.  The following transactions will be treated as Cash Advances: all advances to  
obtain  cash  over the counter,  through  an ATM,  and other  �cash -like� 
transactions, such as purchasing foreign currency, a money orde r, traveler�s  
check,  casino  betting  chip,  or a lottery  ticket.  We will charge  a Cash  Advance  
fee based on the amount of each Cash Advance, as set forth in the Account - 
Opening  Disclosures.  
Convenience  
Checks  and Fees  The checks provided by us  
for you to access your  
Account.  The Convenience  Check  is subject  to the Purchase  APR.  We have  the right not 
to pay a Convenience Check for any reason. You may not use a Convenience  
Check  to make  a payment  on the Account  or any other  account  with us. We will 
charge a  Convenience Check Fee based on the amount of each Convenience  
Check advance,  as set  forth in the Account -Opening  Disclosures.  
Recurring  
Transactions  When you authorize a third  
party  to bill charges  on a 
recurring  basis  to your 
Account.  We are not responsible for recurring transactions if your Account is closed or 
suspended, or if  the Account number or expiration date changes. Some Card 
Networks provide automated billing  update services when they receive updated 
credit card information from Banco Po pular. These  services allow the updated 
information to be provided to participating merchants on behalf of  the 
cardholder. If you set up recurring payments with merchants that participate in 
such services,  they will receive updated card information of the expiration date 
from the Card Network. Since we  do not have access to information regarding 
which merchants are subscribed to these services,  you should always contact 
merchants, with recurring payments scheduled, to inform them of your  updated 
card inform ation. If you wish to Opt -Out of the automated billing update services, 
please  contact us at the number on the back of your card.  
Credit  Limit  The maximum amount that  
you can have  outstanding  
on your Account  at any time 
taking  into consideration  
your credit  worthiness  
and/or  payment  history.  Your Credit Limit is based on your credit worthiness and/or your payment  
history.  We will advise you of the total credit limit on your Account when we  
first send you your Card and thereafter, in each billing statement. We may  
establish a lower limit for Cash Advances. If no separate Cash Advance limit  
is listed on our billing statement, then the Credit Limit for Cash Advances is  
the amount  of your total Credit  Limit.  Your  Credit  Limit  and Cash  Advance  limit 
may change  from time to time taking  into consideration  your credit  worthiness  
and/or payment history.  We may cancel, change, or rescind your credit  
availability at any time. We will notify you of any such changes through your  
billing  statement  or by  sending  you a separate  notice,  which  may be after the 
change  occurs.  
We may approve at our sole discretion a Transaction that causes your  
Account balance to exceed the Credit Limit. In such case, we will add the  
excess to your Minimum Payme nt.This will not be considered an increase in  
your Credit  Limit nor  do we waive  any of our rights  by doing so.  
Promotions  or 
Introductory  Offers  Special  offers  related  to 
your Account.  Introductory APRs and special fees are described in the Account -Opening  
Disclosures. Any special offer is subject to this Agreement, unless specified  
otherwise.  
Rewards  Loyalty  Rewards  tied to the 
use of  your Card.  We will provide  you with all information  and terms  about  your Rewards  
separately,  if applicable.   Foreign  
Transactions, Fees  
and Exchange  Rate  Transactions  that take 
place  outside  the United  
States.  They  will be billed  to 
you in U.S.  Dollars.  The applicable card association (such as Visa and MasterCard) will convert  
to U.S. dollars transactions made in a foreign currency using a government - 
mandated  or wholesale  rate in effect  on the processing  date (which  may differ  
from the rate on the date of your transaction). The rate used may differ from  
the rate that the card association  actually  receives.  A fee will be assessed  on 
the U.S. Dollar  amount  of the transaction.  See �Fees�  section  on the Account - 
Opening  Disclosures  for the fee  applicable to  the Account.  
Mobile Wallet  
Service  The payment  service  
provided  by third 
party/mobile  device  which  
allows  you to make  
Purchases  or payments  
with your credit  Card  
through  a wallet  enabled  
mobile  device.  Allows you to add your credit Card to an application using your mobile device.  
Your credit Card number is replaced with a  digital number or token. Once  loaded 
you may use your mobile device to make Purchases or payments only  where  
the Wallet  is accepted.  
 
WHAT  DO YOU  HAVE  TO PAY AND  WHEN?  
We will send your billing statement each month to the address on file as long as there are transactions or a balance due during the billing 
cycle. It will show your Minimum Payment, the Payment Due Date, and will provide instructions for making your payment. After you make a 
payment, we may apply a credit line availability hold to your  Account. The hold will delay, for up to 10 days, the availability of your credit line 
equal to or less than the amount of the payment made. As long as you make your payment in accordance with the instructions on  your 
billing statement, we will credit your  payment as of the same day it is received . 
 
TERMS  WE USE WHAT  IT MEANS  HOW  IT AFFECTS YOU  
Payment  Instructions  The instructions  on your billing 
statement for making  
payments  to your Account.  You must follow the payment instructions provided on your billing statement. 
All payments made by  check must be drawn on a U.S. financial institution in 
U.S. Dollars made to the order of Banco Popular  de Puerto Rico. Any such 
payment must be sent to the special address identified on your billing  
statement accompa nied with the payment stub. You authorize us to either use 
information from your  check to make a one -time electronic fund transfer from 
your account or to process the payment as  a check transaction. Mailed 
payments are credited on the same day received if they are received by  5:00 
p.m. AST Monday through Friday (excluding holidays). Mailed payments 
received after 5:00  p.m. AST will be credited to your account as of the next 
business day. Allow 7 -10 days for payment  by regular mail to reach us. 
Electronic an d telephone payments are credited on the same day if they  are 
received by 5:00 p.m. EST Monday through Friday (excluding holidays). 
Electronic or telephone  payments received after 5:00 p.m. EST will be credited 
to your account as of the next business day. If you specify a future date in your 
request, we will credit your payment as of that day.  
If your payment does not meet the above requirements, we may take up to 5 
days from receipt  of payment to process this credit and during this period 
finance charges m ay accrue. We may  accept and process late, partial and 
payments marked as �paid in full� without losing our rights  under this 
Agreement. We may accept and process late, partial and payments marked as 
�paid in  full� without losing our rights under this Agre ement.  
If your payment is reversed due to insufficient funds or returned check you may 
lose any special  APR offers. If credit availability hold condition is due to 
insufficient funds or returned check, the  hold will be cancelled after 6 billing 
cycles in w hich no other payment reversal takes place.   Payment  Due Date The date by which we must  
receive  the Minimum  
Payment  in order  for it to be 
on time  Your monthly billing statement will list the Payment Due Date. It will usually  
be the same day of each month, at least 21 days after closing of the billing  
cycle  shown on the billing  statement.  
Minimum  Payment  The minimum amount you  
must pay each billing cycle,  as 
shown  on your billing  
statement.  You agree to pay at least the Minimum Payment when due. For Account  
balances between $0.01 up to $28.99, the Minimum Payment will be the  
outstanding balance. For balances of $29 and over, the Minimum Payment  
will be 2% of the outstanding balance or the Interest Charge + $10 or a fixed  
amount of $29, whichever i s higher. The Minimum Payment will include any  
past due amounts,  any Late Payment  fee and the total of any amount  charged  
in excess  of your credit limit.  
Skip A Payment  Offer  We may offer you, at  our 
option, to skip a Minimum  
Payment for certain billing  
cycles.  If you receive this offer, your billing statement may reflect a required Minimum  
Payment of $0, and you may not have to make the Minimum  Payment for that  
billing cycle. If you decide to skip a payment we will continue to accrue Interest  
Charges on the unpaid balance of your Account during that period.  However,  
you can always  make  a payment  for any amount.  At the end of the skip 
a 
payment period, the terms of the Agreement regarding the required Minimum  
Payment  will automatically  resume.  
Paying Interests  
Grace Period on  
Purchases   
The period  of time during  
which you are not charged  
interest  on Purchases  if you 
pay the full account  balance  
on time.   
You will not be charged  interest  from the time you purchased  goods  or services,  
if you pay your full account  balance  by the Payment  Due Date.  In the event  you 
don�t pay the full account balance, while in the Grace Period, you will not pay  
interest on the amount paid for that cycle. On subsequent cycles you will not  
have a Grace Period until you pay your full Account balance on time for two  
cycles  in a row. Amounts  related  to certain  offers  will not be taken  into 
consideration in determining the Grace Period. Please refer to the offer terms  
and conditions.  
 
No Grace  Period   
There  is no Grace  Period  for 
Balance Transfer  or Cash.  
Advances or when you use  
Convenience  Checks   
The No Grace  Period  Transactions  begin  to accrue  interest  on the date they 
are posted  and remain  subject to  Interest Charges  until paid in full. 
Application of  
Payments  How we apply  your payment 
to the balance on  your 
Account.  We will apply  your Minimum  Payment  in the following  order:  to Interest  Charges,  
then to Fees and the remaining amount is applied first to the balance with the  
lowest APR and then to the balance with the higher APR in ascending order.  
Consequently, the balance with the higher APR will not be reduced, until the  
balance  with the lower  APR is paid in full. If you pay an amount  in excess  of the 
Minimum Payment, the excess will be applied to balances with the highest  
APRs first.  
Credit  Balances  When  an inadvertent  
overpayment occurs in your  
Account.  We may reject and return to you any payment that creates a credit balance on  
your Account.  If we allow any credit balance in your Account due to any  
inadvertent overpayment, you may request a refund of credit balances at any  
time.  We will not pay interest  on any credit  balance  in your Account.  If no refund  
is requested,  we will apply  credit  balances  to new transactions,  unless  
prohibited by law. If you do not make new transactions within 180 days, we 
will send  you a refund.  
 
 
 
 
WHAT  ARE  THE CHARGES  AND  HOW  ARE  THEY  CALCULATED?  
  TERMS  WE USE WHAT  IT MEANS  HOW  WE CALCULATE  IT 
Daily Balance  The balance  on each  
transaction  type and APR 
each  day. We calculate the Daily Balance by taking the beginning balance for each type  
of transaction and APR each day, adding any new transactions, and then  
subtracting any payments and/or credits and other adjustments. We treat a ny 
daily balance that is  a credit balance  as a zero balance.  
Average Daily  
Balance  The average  balance  each  
day during  the billing  cycle.  We calculate  the Average  Daily  Balance  by adding  all of the Daily  Balances  
for each day in the billing period and then dividing by the total number of days 
in the billing  period.  
Annual Percentage  
Rate  (APR)  An annualized interest rate.  
Different APRs apply to the  
different transaction types,  as 
shown on the Account - 
Opening  Disclosures.  Your APRs are variable. They increase or decrease with the Prime Rate. The  
APR will be determined by adding the Prime Rate (as published by The Wall  
Street Journal) to a margin. The margin applicable to your Transaction types  
will depend  on your credit  worthiness  at the time of approval  of your application  
and will be set at the time of approval  of your application.  For each  billing  cycle,  
the Interest  Charge  and the APR will be based  on the Prime  Rate  three  business  
days prior to your billing statement closing date. If The Wall Street Journal is  
not published,  we will select  a similar  rate. We may change  the margins  from 
time to time for new  transactions with  notice  to you. 
Daily Periodic Rate  
(DPR)  A daily interest  rate we 
calculate.  We calculate  interest  using  the daily periodic  rate. The DPR  for a given  balance  
is equal  to the APR for that balance  divided  by 365 and rounded  up as permitted  
by law. 
Interest  Charges  The amount we charge you  for 
your credit  on each  
transaction  type.  We add the Interest Charges to the Account by adding the Interest Charges 
to each transaction type balance and APR to which it applies. (For example, 
we add Interest Charges on Purchases to the Purchases balance.) We 
calculate  the Interest Charge by applying the DPR for each transaction type 
and APR to  the Average Daily Balance for that transaction type. We multiply 
the result by  the number of days in the billing cycle. That gives us the total 
Interest Charges  for that transaction type for  that billing period.  
Cash Ad vance, Balance Transfer, and Convenience Check fees are added to  
their corresponding  balances,  as applicable,  and all other  fees are added  to the 
Purchases balance.  
 
 
WHAT  IF YOU  PAY LATE?  
If you pay the  Minimum  Payment  amount  by the Payment  Due Date,  you will not pay penalties.  You should  pay on time.  
 
PENALTY  WHAT  IT MEANS  WHAT  WE WILL  CHARGE  YOU  
Late Payment  Fee The fee we charge  each  
time your payment is  late. If you pay late, or you pay less than the Minimum Payment, we may charge  
you a late payment fee in the amount set forth on the Account Opening  
Disclosures.  In no event  will your late payment  fee exceed  the amount  of your 
Minimum  Payment due.  
Returned Payment  
Fee A fee charged  when  your 
payment  is returned  for 
insufficient  funds.  We may charge  a returned  payment  fee in the amount  set forth on the Account  
Opening  Disclosures.  
 
 
 
 
 
WHAT  OTHER  FEES  MAY  APPLY?  
There  may be times  when  circumstances  result  in a fee or other  action  being  assessed  on the Account.  The Account  Opening  Disclosures   list the amounts  of these  fees.  All such  fees will be added  to the Purchase  balance,  unless  otherwise  indicated.  Additional  fees for special  
services  you request  may apply,  except  as they may be unenforceable  or inapplicable  within  Maryland.  You will be advised  of the amount  
of such fees  at the  time of your request.  
 
FEE WHAT  IT MEANS  WHAT  WE WILL  CHARGE  YOU  
Annual Fee  A fee we may charge  
annually  for use of the Card.  If applicable,  the Annual  Fee will be reflected  in your first billing  statement  after 
the first Card is issued and subsequently on each anniversary of the issuance  
of the  Card.  
Billing Statement  
Reprint  Fee You can request  a copy  of 
your billing  statement.  We may add a billing  statement  Reprint  fee of $2.50  to your Purchase  balance  
if you request a copy of your  billing statement.  
 
Card Replacement  
Rush Order  Fee You can request that a new  
or replacement  Card  be sent 
to you on an expedited  
basis.  We will add a Rush  Order  fee of $25 to your Purchase  balance  if you request  
that a new or replacement  Card  be sent  to you on an expedited  basis.  
 
HOW  CAN  WE MAKE  CHANGES?  
We may have a number of reasons why we need to make changes in this Agreement and the terms of your Account from time to time.  
We can make  these  changes  in accordance  with law.  Written notice  will explain  how changes  apply.  
 
TYPE OF  CHANGE  WHAT  MAY  TRIGGER  
CHANGE  ADVANCE  NOTICE  
Other APR 
increases on new  
transactions  In the first year, an 
introductory  APR ends  or 
the Prime  Rate  changes.  
After  that, any reason.  None  for Introductory  APR expiration.  Other  increases  45 days.  For Iow  as 60 
days.  
Increase or 
decrease to Credit  
Limits  Any reason.  None  
Some  fees and other 
terms  Any reason.  Up to 45 days  for certain  fee and Minimum  Payment  changes.  For Iowa 60 
days.  
 
 
WHAT  HAPPENS  IF? 
 
 WHAT YOU MUST  DO HOW  IT AFFECTS YOU  
Your Card is lost or 
stolen, or  your 
Account has been  
compromised?  Contact us immediately and 
stop using your Account. 
Contact us at  the address or 
telephone number  listed on 
your billing statement or  
Card.  You will not be liable for any unauthorized use that occurs  after you notify  us. 
You may,  however,  be liable  for unauthorized use that occurs before your 
notice to us. In any  case,  your liability  will not exceed $50.  
Your Account is 
closed or  
suspended?  You must  still repay  all 
amounts  you owe under  this 
Agreement.  You remain  responsible  for your balance.  
Your name, 
address,  
telephone number, 
email  address or 
other information  
has changed.  Notify us of  any change.  We may also ask you to provide  us updated  financial  information  about  you, 
and you agree to  do so.    
MOBILE  WALLET  SERVICE  
 
WHAT  IT MEANS  WHAT  YOU  AGREE  TO 
A way to make Purchases or  
payments  using  a mobile  device  You may choose  to add your Card  number  to a Mobile  Wallet  Service.  If you do so, you acknowledge  
that we are not a provider of the Wallet, we do not control the device and we are not responsible for  
any failure  or inability  to perform  a transaction  using  the Wallet.  We are only responsible  for supplying  
information  securely  to the Wallet  provider  to allow  usage  of your Card  in the Wallet.  We reserve  the 
right to define product eligibility. You agree that any such use of your Account will be subject to all  
the terms and conditions contained in this Agreement.  Your applicable Purchase APR will apply to  
Purchases made using the Mobile Wallet Service. You acknowledge that certain message and data  
rates  may apply  from your wireless  service  providers  and/or  wireless  carriers  which  might  impact  your 
use of the Wallet. For example, your mobile service carrier or provider may impose data usage or  text 
charges for your use of or interaction with the Wallet, includ ing downloading the software,  receiving 
or sending text messages, or other use of your mobile device when using the software or  other  
products  and services  provided  by the Wallet.  You expressly  agree  that you are responsible  for all such  
fees,  limitations,  and restrictions  and that we may contact  you via your mobile  device  for any purpose 
concerning your Account with us, including Account servicing and collection purposes. We  do not 
control the privacy and security of your information that may b e held by the Wallet provider  and that 
is governed  by the privacy  policy  given  to you by the Wallet  provider.  You agree  not to leave  your Mobile 
Device unattended while logged into the Wallet and to log off immediately at the  completion of each 
access by y ou. You agree not to provide your password or other access  information to any other 
person. If you believe that someone may have unauthorized access to your  Mobile  Device,  you agree  
to immediately  cancel  your access  to the Wallet  associated  with the Mobile  Device. You agree to 
provide us with immediate notice in the event you suspect fraud or any  unauthorized access to any 
of your Accounts. You agree to take every precaution to ensure the  safety, security and integrity of 
your Account and transactions  when using the Wallet.  Except as  otherwise required by law, we may 
at our sole discretion change these terms, and modify or cancel  the eligibility to use your Card with a 
Wallet service at any time, without notice. You cannot change  these  terms  but you can terminate  them  
by removing  your Card  from the Wallet.  We reserve  the right to refuse  any transaction for any  reason.  
You expressly  understand  and agree  that your use of a Mobile  Wallet  Service  is at your sole risk. Any 
material downloaded or otherwise obtained through the use of the Wallet is obtained at your own  
discretion  and risk, and we are not responsible  for any damage  to your Mobile  Device  or loss of data 
that results  from the download  of any such  material,  whether  due to any computer  virus  or otherwise.  
We make no representation or warranty as to the completeness, accuracy, reliability, or currency of  
any information or  data that you  obtain  through the  use of  a wallet.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  WHAT  ARE  OUR  RIGHTS  IF YOU  DEFAULT  OR WE HAVE  A DISPUTE?  
 
Your  Default  An Account  will be in  default if:  
1) you fail to make  at least  the Minimum  Payment  when  due; 2) you violate  any other  provision  of this Agreement;  
3) we believe  you may be unwilling  or unable  to pay your debts  on time;  4) you file for bankruptcy;  or 5) you become  
incapacitated  or die.  
If your Account is in default, we may close your Account or terminate or suspend your credit privileges without  
notice  and require full  payment of your  outstanding balance  immediately.  
We can also begin  collection  activities.  To the extent  permitted  by law, if you are in default  because  you have  failed  
to pay us, we will require you to pay our collection costs, attorneys� fees, court costs and all other expenses of  
enforcing  our rights  under this  Agreement.  
Arbitration of  
Disputes  This Agreement contains an Arbitration Provision immediately below. Within 90 days after the date we  
open  your Account,  you may elect  to reject  the Arbitration  Provision  by providing  a written  notice  of your 
intention  to do so to the address:  Legal  Division  (745),  Banco  Popular  de Puerto  Rico,  P.O.  Box 362708,  
San Juan, Puerto Rico 00936 -2708. Unless you submit your rejection or to the extent permitted by  
applicable law, the Arbitration Provision will have a substantial impact on how any legal claims we have  
against each other are resolved if either you or we elect arbitration. For example, disputes subject to  
arbitration are decided by a neutral arbitrator and not a judge or jury. Also, if you or we elect arbitration,  
neither you nor we will have the right to participate in a class action, either in court or in arbitration. This  
Arbitration  Provision  will not apply  to, or be enforceable  against,  covered  borrowers  under  the protection  
of the Military  Lending  Act. 
 
ARBITRATION  PROVISION  
IMPORTANT  WAIVERS:  IF YOU  OR WE ELECT  TO ARBITRATE  A CLAIM,  YOU  AND  WE BOTH  WAIVE  THE RIGHT  TO: (1) HAVE  
A COURT OR A JURY DECIDE THE CLAIM; (2) PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION, WHETHER  
AS A CLASS REPRESENTATIVE, CLASS MEMBER OR OTHERWISE, OR ACT AS A PRIVATE ATTORNEY GENERAL IN COURT  
OR IN ARBITRATION (THE �CLASS ACTION WAIVER�); (3) JOIN OR CONSOLIDATE CLAIM(S) WITH CLAIMS INVOLVING ANY  
OTHER PERSON OR (4) OBTAIN IN FORMATION EXCEPT AS PROVIDED HEREIN. OTHER RIGHTS ARE MORE LIMITED IN  
ARBITRATION  THAN  IN COURT OR  ARE NOT AVAILABLE  IN ARBITRATION.  
 
 
DEFINITIONS � In this Arbitration Provision, the following definitions will apply:  
�Administrator� means, as applicable, the American Arbitration Association (the �AAA�) or J.A.M.S./Endispute (�JAMS�) or if the 
AAA and JAMS cannot  or will not serve, an arbitration administrator agreed -upon by the parties or appointed by a court, provided that 
the Administrator must not have in place a  formal or informal policy that is inconsistent with and purports to override the terms of this 
Arbitration Provision. You may select the Administrator when  you give written notice of an election to arbitrate a Claim o r within 20 
days after we give such a written notice. Otherwise, we will select the Administrator.   �Claim� means any legal claim, dispute or 
controversy between you and us that arises from or relates in any way to this Agreement or the credit card  Account  including: (i) the 
fees or charges we or other parties impose in connection with this Agreement or the credit card Account or the other provisio ns of this 
Agreement; (ii) the interest, if any, paid on the credit card account; (iii) any application, disclo sure or other document relating in any 
way to this  Agreement; (iv) any service or product offered or made available by or through us in connection with this Agreement, 
including any associated fees,  charges, terms or disclosures; (v) any documents, instrum ents, advertising or promotional materials that 
contain information about this Agreement or  credit card Account, or any other such service or product; and (vi) the relationships 
resulting from any of the foregoing. This includes, without limitation,  disput es involving alleged fraud or misrepresentation, breach of 
contract, negligence or violation of statute, regulation or common law; and disputes  involving requests for injunctions or other equitable 
relief. However, �Claim� does not include: (a) any individ ual action brought by you in small claims court  or your state�s equivalent court, 
unless such action is transferred, removed or appealed to a different court; (b) any dispute or controversy about the validit y, 
enforceability, coverage or scope of this Arbi tration Provision or any part thereof (including, without limitation, the Class Action Waiver 
set forth below,  subparts (A) and (B) of the part set forth below titled �Survival, Primacy, Severability� and/or this sentence); all such 
disputes or controversi es are for a  court and not an arbitrator to decide (but any challenge to this Agreement as a whole is for an 
arbitrator and not a court to decide); or (c) any exercise by  us of our right to off -set against the amounts you owe us with the amounts 
you have o n deposit with us or any proceeding by you to enjoin the exercise of  such right.    
STARTING ARBITRATION � To initiate arbitration, you or we must give written notice of an election to arbitrate. This notice may be 
given after a lawsuit  has been filed and m ay be given in papers or motions in the lawsuit, such as a motion to compel arbitration. Even 
if all parties have opted to litigate a  Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or  any Claim later asserted by a party in that or any related  or unrelated lawsuit (including a Claim initially asserted on an individual basis 
but modified to be asserted on a class, representative or multi -party basis).  Nothing in that litigation shall constitute a waiver of any 
rights under this Arbitration Provision. If notice of an election to arbitrate is given, the Claim  shall be resolved by arbitration under this 
Arbitration Provision and the applicable rules of the Administrator then in effect. The arbitrator will be selected  under the 
Administrator�s rules, except that the arbitrator must be a lawyer with at least 10 years of experience or a retired judge, u nless you and 
we agree  otherwise.  
LOCATION AND COSTS � Any arbitration hearing that you attend will take place in a loca tion that is reasonably convenient to you. 
We will consider  (and generally honor) any good faith request to bear the fees charged by the Administrator and the arbitrator(s). Each 
party shall pay its own expenses;  provided, if we lose, we will also pay all fees charged by the Administrator and the arbitrator(s) and 
all reasonable fees of your attorneys. In all cases, we will  pay all fees and costs (including attorneys� fees) we are required to bear 
under applicable law and/or in order for us to enforce this Arbitration Provision.   
DISCOVERY; GETTING INFORMATION � Either party may obtain from the other party prior to the hearing any information available 
under the  Administrator�s rules or any information the arbitrator determines should be made available.  
EFFE CT OF ARBITRATION AWARD � Any court with jurisdiction may enter judgment upon the arbitrator�s award. The arbitrator�s 
award will be final and  binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. ��1 et seq. (the �FAA�); an d 
(2) Claims involving more than $50,000. For  Claims involving more than $50,000, any party may appeal the award to a three -arbitrator 
panel appointed by the Administrator, which will reconsider de  novo any aspect of the initial award that is appealed. The  panel�s 
decision will be final and binding, except for any appeal right under the FAA.  
GOVERNING LAW � This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed 
by the FAA, and not  by any state law co ncerning arbitration, provided that the law of New York shall be applicable to the extent that 
any state or territorial law is relevant in  determining the enforceability of this Arbitration Provision under Section 2 of the FAA. The 
arbitrator shall follow applicable substantive law to the extent  consistent with the FAA, applicable statutes of limitation and applicable 
privilege rules, and shall be authorized to award all remedies that would apply  under applicable law to an individual action brought in 
court  , including, without limitation, compensatory, statutory and punitive damages (subject to  constitutional limits that would apply in 
court), declaratory, injunctive and other equitable relief (but only in favor of the individual party seeking relief and  
only to the extent necessary to provide relief warranted by that party�s individual claim), and attorneys� fees and costs. Upon  the timely 
request of either  party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrato r will follow rules of 
procedure and evidence consistent with  the FAA, this Arbitration Provision and the Administrator�s rules.  
SURVIVAL, PRIMACY, SEVERABILITY � This Arbitration Provision shall survive closure of your credit card Account; our sale or 
transfer of our rights under  this Agreement; any legal proceeding or set -off to collect a debt owed by you; or any bankruptcy or 
insolvency. In the event of any conflict or inconsistency  between this Arbitration Provision and the Administrator�s rules or this  
Agreement, this Arbitration Provision will govern. If any portion of this Arbitration  Provision cannot be enforced in a proceeding 
between you and us, the rest of the Arbitration Provision will continue to apply, except that: (A) the entire  Arbitration Pr ovision (except 
for this sentence) shall be null and void if the class action waiver is held to be invalid regarding any class or representat ive Claim in a 
proceeding between you and us, subject to any right to appeal such holding, and (B) if a Claim is brought seeking public injunctive 
relief and a  court determines that the restrictions in the class action waiver or other parts of this Arbitration Provision prohibiting th e 
arbitrator from awarding relief  on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes 
final after all appeals have been exhausted), the  Claim for public injunctive relief will be determined in court and any individual Claims 
seeking monetary relief will be arbitrated. In such a case the parties  will request that the court stay the Claim for public injunctive relief 
until the arbitration award pertaining to individual relief has been entered in court. In no  event will a Claim for class -wide relief or for 
public injunctive relief be arbitra ted. 
BREACH OF ARBITRATION AGREEMENT � If either party fails to submit to arbitration following a proper demand to do so, that party 
shall bear all costs  and expenses, including reasonable attorneys� fees, incurred by the other party in seeking to compel a rbitration.  
Contacting Arbitration Administrators  
If you have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to obtain a  copy of their 
Arbitration  Rules or fee schedules, you can contact them as follo ws: American Arbitration Association , 120 Broadway, Floor 21, 
New York, NY 10271, www.adr.org , (800) 778 -7879. Commercial or Consumer Rules, J.A.M.S./Endispute , 71 S. Wacker Drive Suite 
3090, Chicago, IL 60606; www.jamsad r.com (800) 352 -5267,  Financial Services Arbitration Rules and Procedures.  
 
 
 
 
 
   
WHAT  OTHER  TERMS  APPLY  TO OUR  RELATIONSHIP?  
 
Closing  the 
Account  You may close your Account at any time by notifying us either in writing at the address shown on your billing  
statement  or by phone  at the number  provided  on your billing  statement.  We will not honor  any Convenience  Check  
or authorize any transactions after your Account is closed. We may close your Account or terminate your credit  
privileges at any time fo r any reason, subject to applicable law. If we do so, you may not use your Card or any  
checks  we have  issued.  In either  case,  You remain  responsible  for any balance  on your Account,  which  will continue  
to accrue  Interest Charges and fees and remain  subject to  all terms of this Agreement.  
Privacy  The Popular,  Inc. (our holding  company)  Privacy  Notice  explains  how we collect  and share  your information.  
Communications  We may send Cards, billing statements, and other communications to you at any mailing or email address in our  
records.  We may also send  an email  to any address  where  we reasonably  believe  we can contact  you. By providing  
a telephone number for a cellular telephone, other wireless device, or a landline number that is later converted to  
a wireless device, you are expressly consenting to receiving communications at that number, including, but not  
limited  to, prerecorded  or artificial  voice  message  calls,  text messages,  and calls made  by an automatic  telephone  
dialing system from Banco Popular and its affiliates, agents or assigns. If the wireless device is not registered in  
your name,  you represent  that you are its primary  user and have  the authority  to provide  this consent.  This express  
consent applies to each  such telephone number that you provide to us now or in the future and permits such calls  
regardless of  their purpose.  
Some  of the legal  purposes  for calls and messages  include:  suspected  fraud  or identity  theft,  obtaining  information;  
transaction on or servicing of the Account; collecting on the Account, and providing you information about product  
and services. These calls and messages may incur access fees from your cellular provider. You must notify us  
immediately of any changes to yo ur contact information using the address or phone number shown on your billing  
statement.  
Telephone  
Monitoring  We or a third party may  listen  to and record  your telephone  calls with  us. 
Credit  Information  We may obtain and review your credit history or other information about you from credit reporting agencies and  
others, including in connection with the processing, establishment, servicing and collection of your Account.  We 
may also obtain  additional  credit  reports  or other  information  about  you in connection  with the same  transaction  or 
extension of credit, for the purpose of reviewing your Account, increasing the credit line on your Account, for the  
purpose  of taking  collection  action  on your Account,  or for other  legitimat e purposes  associated  with your Account.  
You may ask whether a credit report was obtained by us and we will tell you the name and address of the credit  
reporting  agency, if a report was  obtained.  
We may also provide information about your Account to credit  reporting agencies and others.  A negative credit  
report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of  
your credit obligations. We may provide information to credit reporting agencies abo ut this Account in the name of  
an authorized  user.  If you think  we provided  incorrect  information,  write  to us at the address  provided  on your billing  
statement  and we will  investigate.  
Enforcement  We may choose to delay enforcing or waive any of our rights under this Agreement. We can delay enforcing or  
waive any of our rights without affecting our other rights. If we waive a right, we do not thereby waive the same  
right in other  situations.  
Applicable  Law This Agreement and the Account will be governed by federal law, and to the extent state or territorial law is  
applicable, the laws of the Commonwealth of Puerto Rico, and these laws will apply no matter where you live or  
use this Account.  
Amendments  We may change  or terminate  all or any part of this Agreement,  including  APRs  and fees,  at any time.  We may also 
add new terms or delete terms. Any changes will be in accordance with applicable law, and we will provide notice  
as required by  law. 
Assignment  We may sell, assign or transfer the A greement and the Account or any portion thereof without notice to you, and  
the purchaser, assignee, or transferee shall have the same rights as we do under this Agreement. You may not  
sell assign, or  transfer the Account.   Severability  Except as specifically provided in the arbitration section above, 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.  
Restrictions on  
Use Banco  Popular  may restrict  use of your Card  in any jurisdiction  or country  where  such  use would  be contrary  to 
U.S. law or regulation,  or which  is identified  as presenting  a high risk of  fraud.  
 
Additional Disclosures for Residents of Specific States  
Florida Residents: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be 
attached or  garnished (paid to us by your employer), as provided by Florida an d Federal law.  
Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.  
Maryland Residents: To the extent federal law and the laws of the Commonwealth of Puerto Rico do not apply, this Agreement is 
governed by Tit le 12,  Subtitle 9 of the Maryland Commercial Law Article.  
Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt 
including promises to  extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from 
misunderstanding or disappointment, any agreements  we reach covering such matters are contained in this writing, which is the 
complete and exclusive statement of the agreement between us, exc ept as we  may later agree in writing to modify it.  
New Jersey Residents: Because certain provisions of this Agreement are subject to governing law, they may be void, unenforceable 
or inapplicable in some  jurisdictions. None of these provisions are void, unenforceable or inapplicable within New Jersey.  
New Hampshire Residents: Reasonable attorney�s fees will be rewarded to you if you prevail in any action, suit or proceeding 
brought by us or an action  brought by you. Also, if you successfully assert a partial defense or set -off, recoupment or counterclaim to 
an action brought by us, the court may withhold  from us the entire amount or such portion of the attorney�s fees as the court considers 
equitable.  
Washington Residents: Pursuant to the Revised Cod e of Washington, Section 63.14.167, you are not responsible for payment of any 
service charges that result  solely from a merchant�s failure to transmit to us within seven working days a credit for goods or services 
accepted for return or forgiven if you ha ve notified  us of the merchant�s delay in posting such credit, or our failure to post such credit to 
your account within three working days of our receipt of the credit . 
 
Notice Legal Rights and Protections under the Military Lending Act  
If you are a ser vicemember on �active duty� or �active service�, or a spouse or dependent of such servicemember you may be entitled 
to certain  protections pursuant to the Military Lending Act (MLA) [32 CFR Part 232]. The following statement only applies if you are a 
cover ed borrower under the  Military Lending Act (MLA) [32 CFR Part 232].  
 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of cons umer 
credit. In general,  the cost of consumer credit to a member of the Armed Forced and his or her dependent may not exceed an annual 
percentage rate of 36%. This rate  must Include, as applicable to the credit transaction or account: the costs associated with credit 
insurance premiums; fees for ancillary product s 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 ac count). If you would like to obtain these disclosures orally, you may  call the toll -free number 1 -844-773-6499.  
 
YOUR BILLING RIGHTS � Keep this document for future use  
This notice tells you about your rights and our responsibilities under the Fair Credi t Billing Act.  
What To Do If You Find A Mistake On Your Billing Statement  
If you think there is an error on your billing statement, write us at the address shown on your billing statement. In your le tter, give us 
the following information.  
� Account information: Your name and Account number.  
� Dollar amount: The dollar amount of the suspected error.  
� Description of the problem: If you think there is an error on your billing statement, describe what you believe is wrong an d why you 
believe it is a  mistake.  
You must contact us:  
� Within 60 days after the error appeared on your billing statement.  
� At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is w rong.  
You must notify us of any pot ential 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 a lready 
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 billing 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 billing statement, and we may continue to charge you interest 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 or other fees related to that amount.  
� If we do not believe there was a mistake: You have to pay the amount in questi on, along with applicable interest and fees. We will 
send you a billing  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.   
If you receive our explanation but sti ll believe your billing 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 you are questioning your billing statement. We 
must tell you th e 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 these rules above, you do not have to pay the first $50 of the amount you question even  if your billing 
statement is correct.  
Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the pro blem 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 territory) or within 100 miles of your curr ent 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 the good or services.)  
2. You must have used  your credit card for the purchase. Purchases made with Cash Advances from an ATM or with a check that 
accesses your credit  card 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 the address shown on your 
billing statement.  While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our 
investigation, we will tell you our de cision. At that  point, if we think you owe an amount and you do not pay, we may report you as 
delinquent.