REVOLVING ACCOUNTS PLAN AGREEMENT FOR 
MASTERCARD 
(THE <AGREEMENT=) 

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:  

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  billing 
period; the result is the Average Daily Balance for each Transaction Type.  

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  as  described  in  the  disclosure.  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  his/her  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). 

BALANCE  ON  WHICH  THE  FINANCE  CHARGES  ARE 
IMPOSED:  To  calculate  the  FINANCE  CHARGE,  we  will  use  the 
average daily balance method 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 

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.  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, 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, the U.S. Payments made using a mailbox at a branch of the Bank 
must include the payment coupon 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 credited on the same day. If your payment day due date 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.  

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)  consecutive 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:  An  ANNUAL  FEE  may  be  applicable  to  your  Card, 
please refer to the Disclosure.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 1-866-839-3485.9 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 in accordance 
with the laws of the Commonwealth of Puerto Rico 

Oriental Bank  
Customer Service  
PO Box 31535  
Tampa, FL 33631-3535 

v. 4/2022 

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 
 b) The exchange rate determined by the applicable government for the 
date your transaction 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, 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 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. 

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 
US Virgin Island, 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.  

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. 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.  For 
accounts with more than one Cardholder, notice to any Cardholder shall 
be effective for all. 

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 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 to the address in this agreement 
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.  

AMENDMENTS: The Bank reserves the right to amend this Agreement, 
including the APR, FINANCE CHARGES, the annual fee (if applicable), 
an increase in the Minimum Payment required, and other fees and terms 

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