INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When It Applies

13.24%
This APR will vary with the market based on the Prime Rate.
0%
Introductory APR for 9 months from the transfer date (for transfers made within the first 3 months
of the Account opening date).
20.24%
This APR will vary with the market based on the Prime Rate.
None

Paying Interest

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

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

FEES

None

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

Annual Fees
Transaction Fees
• Cash Advances
• Foreign Transaction
• Balance Transfers
• Convenience Checks
Penalty Fees
• Late Payment
• Returned Payment
How will we calculate your balance?: We use a method called "Average Daily Balance (including new purchases)". See your account
agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the section titled YOUR
BILLING RIGHTS of this Agreement.
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 13.24%. Your APR will vary based on the Prime Rate.

Up to $35
Up to $35

Additional Relevant Information:

Your Specific APR Information:  Your APR for purchases and balance transfers from other institutions will be determined by adding the current
Prime Rate to a margin of 9.99%. This APR is 13.24% with a corresponding Daily Periodic Rate of 0.036%. Your APR for Cash Advances and
convenience checks will be determined by adding the current Prime Rate to a margin of 16.99%. This APR is 20.24% with a corresponding
Daily Periodic Rate of 0.055%.

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

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

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.

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

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

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

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

•

you as delinquent on that amount.
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 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. 

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

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

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

Retail Installment Agreement
Revolving Accounts Plan
Platinum MasterCard

I004531

Effective June 2011

Please retain this for your records.

(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  
for  all 
®
amounts  or  expenses  either  Banco  Popular  North  America  or 
MasterCard pays as a result of such use. 

Incorporated  (“MasterCard”) 

International 

(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 PAYMENT
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. 

in  accordance  with 

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 
foreign  currency  conversion 
its 
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 delinquency or charge-off with 
other creditors; or (j) your moving out of the U.S. After your default,