BBVA Credit Card & Security Agreement 
RETAIL INSTALMENT  CREDIT  AGREEMENT 
Open-End Credit Agreement 
(May Not Be Available to Residents of All States) 

Thank you for choosing BBVA! This Agreement contains the current terms and conditions of your Account. Your Application, 
Card Mailer, and any other document we provide you that indicates it is part of, or amends this Agreement, are also 
incorporated into and made part of this Agreement. Keep them for your records. Please read this Agreement, including the 
pricing information, carefully. A "Definitions" section is at the end of this Agreement. 

TABLE OF CONTENTS 

GETTING STARTED 
USING YOUR ACCOUN T 
INTEREST 
FEES 
PAYMENTS 
ABOUT OUR RELATION SHIP 
OTHER  IMPORTANT  INFORMATION 
DISPUTE   RESOLUTION 
DEFINITION S 
YOUR BILLING RIGHTS 

GETTING STARTED 

ACCEPTANCE OF THIS AGREEMENT 

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Subject  to applicable  law,  you  accept  this  Agreement  by using  or permitting   another  person  to use the  Account.  New York 
Residents: This  Agreement  begins  on the  first  day  that  you  or  someone  authorized   by  you  signs  or  otherwise   accepts  a 
sales  slip  or memorandum  as evidence  of a transaction  on your  Account  and,  until  then,  you will  not be responsible  for  any 
purchase  or lease  of property  or services  by use of the Card after  its  loss  or theft. 

We accepted this Agreement in Alabama. This Agreement includes an arbitration section entitled, "Dispute Resolution." 

PROMISE TO PAY 

You  promise  individually   and jointly  to pay us for  all  amounts  due on your  Account.  This  includes  any illegal  or 
internet/online   gambling  transactions   you make. 

SECURITY AGREEMENT (Applicable only to Optimizer Card) 

To have an Optimizer Card Account, we require you to also have a savings account with us. In this Agreement, we call this 
savings account the "Collateral Account." You give us a security interest in the Collateral Account. You must keep at least 
$500.00 in the Collateral Account. You also give us a security interest in all additions to and all proceeds of the Collateral 
Account. The Collateral Account is held by us as security for your promise to pay under this Agreement. You may not 
withdraw any funds from the Collateral Account. You may not give a security interest or transfer any other interest in the 
Collateral Account for any reason. Any attempt to give a security interest or transfer any other interest in the Collateral 
Account will be ineffective and void. We may provide special instructions and requirements for deposits to the Collateral 
Account. If you do not follow those instructions or requirements,  we will have no liability for any delay or failure in 
depositing any funds to the Collateral Account. You may not close the Collateral Account until all amounts owed under this 
Agreement have been fully paid and you no longer have any right to use your Account. If you are in default under this 
Agreement or your Account is closed for any reason, we may, immediately and without giving you notice: (1) apply part or 
all of the funds in the Collateral Account to any amount you owe under this Agreement; and (2) retain any funds in the 
Collateral Account for up to 60 days in order to cover any transactions, fees or charges relating to use of the Account 
before it was closed. In the event of a conflict between the terms of this Agreement and those of the Collateral Account 
agreement, the terms of this Agreement will apply. 

CHANGING THIS AGREEMENT 

The rates, fees, and terms of this Agreement may change from time to time. We may change any term to this 
Agreement unless an applicable law says we may not. You may not change this Agreement unless we agree in writing.  If 
required by law, we will give you advance written notice and any right to reject the change(s). 

NOTICE AND CONTACT INFORMATION 

We will  send statements  and other  notices  to the address  you give  us.  If  you agree  and as permitted  by law,  we may 
provide  this  information  electronically.   You promise  to tell  us right  away  if  that  address  or contact  information  changes.  If 
you have  a joint  Account,  any one of you may give  us any notice  under  this  Agreement.  If  you give  us different   notices  or 
make different  requests,  we may pick  which  one to honor  without  telling  any of you. 

CONTACT US 

Unless  and until  we tell  you otherwise,   contact  us regarding  your  Account  or request  a service  related  to your  Account:  For 
Optimizer,  Platinum and Personal Line of Credit Cards at: 1-800-239-5175; For Signature and Select Cards, at: 
1-866-681-0484;  or for any Cards at BBVA USA Card Center, P.O. Box 2210, Decatur, Alabama 35699-0001. If you are not
sure which type of Account you have, please look at your Card, review  your Card Mailer,  or call 1-800-239-5175.

USING YOUR ACCOUNT 

PERMITTED USES 

You  may  use  your  Account  for  transactions,   such  as Purchases,  Cash Advances,  and Balance  Transfers.   You  may  not  use  it 
for  any  illegal  or Internet/online   gambling  transactions.   We may issue  you  Checks  to make  Cash Advances.  You  may not 
use a Check  to pay any amount  you owe  us.  We may make  you special  offers,  such as reduced  promotional   interest  rates. 
These offers  may have different  terms.  Except  as we tell  you in the offer,  the rest  of this  Agreement  will  still  apply.  You may 
set up automatic  billing  with  a merchant.  If  your  Account  number,  Card expiration  date  or other  Account  information 
changes,  you authorize  us to provide  the information   to any  such merchant  at our  discretion.   You  must  contact  the 
merchant  directly  if  you wish  to stop automatic  billing. 

AUTHORIZED USERS 

You may request additional  Cards for Authorized  Users. You will be liable  for any charges made by any Authorized  User 
and anyone else they allow to use your Account. This will be true even if you did not want, or agree to, the particular  use. 
You must notify us if you wish to cancel the authority  of an Authorized  User. 

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CREDIT AUTHORIZATIONS 

Subject to applicable law, we may limit or not authorize a transaction for any reason. We will not be liable if we do so, or if 
(1)  we close your Account; (2) anyone refuses your Card, Check, or Account; (3) we stop (or do not stop) a payment on a 
Check. Unless otherwise required by law, we will not be liable for goods or services you bought or leased using your 
Account. 

CREDIT LIMITS 

We will tell you your Account credit limit(s). We may give you different limits for different types of transactions. We may 
change any of your limits at any time. We may delay increasing your available credit for up to ten (10) days after you make 
a payment.  Your Account's credit limit (and balances in excess of your Account's credit limit) may be treated differently 
based on the type of Account you have.  If you are not sure which type of Account you have, please look at your Card, 
review your Card Mailer, or call 1-800-239-5175. 

For the Optimizer, Platinum and Personal Line of Credit Cards, if the balance on your Account (or on any type of 
transaction) goes over the credit limit, you must pay the amount that is over the limit immediately.  In other words, you 
may not wait to pay the amount that is over the credit limit as part of your next Minimum Payment Due, because the 
amount that is over the credit limit is due and payable immediately. 

For all other Cards, if the balance on your Account (or on any type of transaction) goes over the credit limit, you may wait 
to pay the entire amount that is over the credit limit as part of your next Minimum Payment Due.  However, the entire 
amount that is over the credit limit must be paid as part of your next Minimum Payment Due. 

For the Optimizer Card, you may increase your credit limit by making a deposit of $100 or more in the Collateral Account. 
For each deposit you make, we automatically  will increase your credit limit by 90% of your deposit. An increase to your 
credit limit will not become effective until we have collected payment on each check or other items deposited into the 
Collateral Account. This may take up to 30 days. You may not decrease your credit limit. 

If you have told us that you want us to consider authorizing transactions that exceed your credit limit ("Overlimit 
Transactions") on your Account and Over-the-Credit Limit Fees are shown on your Card Mailer or otherwise provided to 
you, we may charge you an Over-the-Credit Limit Fee. You may tell us you want (or do not want) Overlimit Transactions at 
any time. 

INTEREST  

HOW WE CALCULATE INTEREST CHARGES 

We calculate  interest  charges  each billing  cycle  by calculating   the daily  balance  for  each  type  of balance,  including: 
Purchases,  Cash Advances,  Balance  Transfers  and any balances  subject  to a special  offer.  We start  with  the  beginning 
balance  for  each day.  The beginning  balance  is the prior  day's  daily  balance  plus  any interest  charge  from  the prior  day. 
Then,  we add new transactions,   debits  and fees.  Next,  we subtract  any new payments  or credits.  We also  make  any other 
appropriate   adjustments,   such as the grace  period  on Purchases.  This  gives  us the daily  balance  for  that  type  of balance. 
We multiply  the daily  balance  for  each balance  type by its  daily  periodic  rate.  We do this  for  each day in the billing  cycle. 
This  gives  us the interest  charges  for  each balance  type.  We add up all  the daily  interest  charges.  The sum is the total 
interest  charge  for  the  billing  cycle.  We may use  mathematical   formulas  or computer  programs  which  produce  equivalent 
results  to calculate  the daily  balance,  interest  charges  and related  amounts. 

NOTE: This method of calculating interest results in charging interest on unpaid interest (also known as compounding 
interest). 
PAYING INTEREST 

Except for transactions, fees or charges not subject to interest, we start charging interest as follows: (1) if a transaction, fee, 
or interest charge occurs and is added to your Account during the same billing cycle, we start charging interest on the date 
it occurs; or (2) if a transaction, fee, or interest charge occurs during a billing cycle and is added to your Account in a 
subsequent billing cycle, we start charging interest from the first day of the billing cycle in which it is added to your 
Account.  You can avoid paying interest on Purchases (but not on Cash Advances or Balance Transfers) as described 
below. If  you paid  the entire  balance  for  the previous  billing  cycle  by its  Payment  Due Date  (or  it  was zero  or a credit 
balance),  new Purchases  added  to your  Account  during  the current  billing  cycle  will  not be charged  interest  if  they  are  paid 
by the current  Payment  Due Date.  We may continue  to charge  interest  until  you pay the full  account  balance.   For Cash 
Advances  and Balance  Transfers,   we will  begin  charging  interest  on the transaction  date. 

INTEREST RATES 

The interest rates that apply to your Account are shown on the Card Mailer and each billing statement. We divide each 
annual percentage rate ("APR") by 365 to get the daily periodic rate ("DPR") used to calculate interest charges. 

FEES  

Subject to any limitation of applicable law, you agree to pay and we may charge the following fees in the amounts 
shown on your Card Mailer or otherwise provided to you. The following fees may not apply to all Accounts. Please 
review your Card Mailer and pricing disclosures. To the extent fees applicable to your account differ by state, the 
amount of fees charged will be based on your state of residence at the time the fee is assessed.Unless otherwise 
specified,  these fees are included  in the Purchase balance. 

ANNUAL FEE 

If  you are charged  an Annual  Fee,  the fee  will  be charged  to your  Account  shortly  after  the time  it is opened  unless 
otherwise  indicated.  For each year  that  your  Account  remains  open,  the fee will  be charged  during  the same month  that  it 
was initially  charged. 

TRANSACTION FEES 

The Cash Advance Fee will be included  in the Cash Advance balance.  The Balance Transfer  Fee will be included  in the 
Balance Transfer balance. 

If  Foreign  Transaction   Fees  are  applicable   to  your  Account,  a Foreign  Transaction   Fee will  apply  to  each  transaction   made 
in a foreign  currency,  outside  of the United  States,  or with  a foreign  merchant,  even if that  transaction  is made in U.S. 
dollars,  including  returns  or refunds.  The Foreign  Transaction  Fee will  be included  in either  the  Purchase  or Cash Advance 
balance  depending  on the transaction  type.  If  you make  any transaction  in a foreign  currency,  we or the Payment  Network 
will  convert  it to U.S.  dollars.  The Payment  Network  will  use its own currency  conversion  procedures  in effect  at that  time. 
Unless  a particular  rate  is required  by law,  the conversion  rate  will  be no more than the highest  interbank  rate  from 
customary  banking  sources.  The conversion  rate  used  may differ  from  the  conversion  rate  on the  date  you  made  the 
transaction. 
PENALTY FEES 

The CFPB may  adjust  penalty  fee  amounts  annually  to  reflect  changes  to  the  Consumer  Price  Index  (CPI),  and  we  may 
change  such fees  to reflect  the adjustments.   We will  not charge  more than  one penalty  fee  for  a single  event  or transaction 
that violates  multiple  terms of this Agreement. 

Late Fee. If  we do not receive  at least  the Minimum  Payment  Due by the Payment  Due Date,  we will  charge  you a Late Fee. 
This  fee  will  never  exceed  the Minimum  Payment  Due that  was due immediately  prior  to the date  on which  the fee  was 
assessed. 

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Over-the-Credit Limit Fee. If you have told us that you want Overlimit  Transactions  on your Account and 
Over‐the‐Credit   Limit  fees  are shown  on your  Card Mailer  or otherwise  provided  to you and we authorize  any Overlimit 
Transaction,   we may charge  you an Over‐the‐Credit   Limit  Fee.  This  fee  will  never  exceed  the amount  by which  your 
Account  goes  over  your  credit  limit  during  the billing  cycle  in which  the fee  is assessed.  We will  charge  the fee  only  once 
for  any billing  cycle,  regardless  of the number  of Overlimit  Transactions  during  that  cycle.  We will  charge  the fee  only  once 
for  an individual   Overlimit  Transaction,   even if  your  Account  balance  remains  over  your  credit  limit  for  multiple  billing 
cycles  due  to the  same  Overlimit   Transaction(s). 

Returned Payment Fee. If  you make  a payment  that  is not honored  by your  financial  institution   or is returned  unpaid  for 
any reason,  we will  charge  you a Returned  Payment  Fee.  We will  charge  this  fee  even  if  the payment  is later  honored  or 
paid.  This  fee  will  never  exceed  the Minimum  Payment  Due that  was due immediately  before  the payment  was returned. 

OTHE.  R FEES 

Returned Convenience Check Fee. If we return a Check for any reason,  we may charge you a Returned Check Fee. This fee 
will never exceed the amount of the Check returned. 

Stop Payment Fee. If  you  request  a stop  payment  on a Check,  we may charge  you  a fee  for  each  request,  whether  or not 
we actually  stop payment  and subject  to applicable  law.  This fee will  be included  in a balance  not subject  to interest. 

Expedited Delivery Fee. If  you  request  and we arrange  for  expedited  delivery  of  any  Card  or Checks  to you  (for  example, 
by an overnight  delivery  service),  we may charge  you a fee.  The fee  amount  will  be disclosed  to you at the time  of the 
request,  and you will  have the opportunity  to agree  to the fee.  This fee will  be included  in a balance  not subject  to interest. 

Document Fee. Subject  to applicable  law,  we may charge  you the  reasonable  cost  of researching,   compiling  and otherwise 
providing  you copies  of sales  slips  or Checks,  duplicate  copies  of billing  statements,   or other  account  documentation  that 
you request.  There  will  be no charge  for  any item  you request  in good faith  in connection  with  the resolution  of any 
disputed  billing  matter. 

Transfer Fee. If you request us to deposit a Cash Advance directly  in your checking account, and we honor your request, 
we may charge a fee in addition  to the Cash Advance Fee. This fee will be included in the Cash Advance balance. 

Expedited Payment Fee. If  you  request us  to  expedite  payment  on  your  Account  by  debiting  any  deposit or  other  account 
you  designate,  and  we  honor  your  request, subject  to  applicable  law,  we  may  charge  you  a fee.  This  fee  will  be  included  in 
the  Cash  Advance  balance. 

Skip Payment Fee. If we offer and you accept the option to skip any monthly payment and your Minimum Payment Due 
would have been $200 or more, we may charge you a fee. This fee will be included in the Cash Advance balance. 

Rate Reduction Fee. If  a reduction  in any interest  rate,  fee  or other  charge  is offered  by us and accepted  by you,  or 
requested  by you and honored  by us,  we may charge  you  a fee.  We may charge  this  fee  even  if  the reduction  is only 
temporary  or for a limited  time period.  We will  tell  you about  the fee orally  or in writing  at the item we offer  or agree to the 
reduction.  This  fee  will  be included  in the Cash Advance  balance. 

PAYMENTS  

STATEMENTS 

We will  send you,  or otherwise  make available  to you,  a statement  at the end of each billing  cycle  if applicable  law  requires. 
Read each statement  as soon as you receive  it or it is made available  to you.  Tell  us right  away  if  you see any error  or 
problem.  Your  statement  will  show  important  information   about  your  Account,  including  the New Balance,  Minimum 
Payment  Due,  Payment  Due Date  and the Statement  Date. 

MINIMUM PAYMENT DUE 

You may pay any or all of the balance on your Account at any time without incurring any additional charge for 
prepayment. Each billing cycle, you must pay at least the Minimum Payment Due by the Payment Due Date. 
For the Optimizer Card, your Minimum Payment Due will be the greater of: $10; or 5% of the New Balance, rounded up or 
down to the nearest dollar plus past due amounts and any amount over your credit limit(s). However if the New Balance is 
less than $10, you must pay the entire New Balance. 

For the Platinum and Personal Line of Credit Cards, if all of your APRs are 23.49% or lower, your Minimum Payment Due 
will be the greater of: $10; or 2% of the New Balance, rounded up or down to the nearest dollar plus past due amounts and 
any amount over your credit limit(s). However, if the New Balance is less than $10, you must pay the entire New Balance. If 
any of your APRs is over 23.49%, your Minimum Payment Due will be $15 plus any interest you owe for that billing cycle, 
any Cash Advance Fee, Rate Reduction Fee, Expedited Payment Fee, Skip Payment Fee, and Foreign Transaction Fee that 
has been charged during that billing cycle, any unpaid Minimum Payments Due from previous bills and any amount over 
your credit limit(s). 

For the Signature and Select Cards, if all of your APRs are 23.49% or lower, your Minimum Payment Due will be the greater 
of: $10; or 2% of the New Balance or the amount of your credit limit, whichever is less, rounded up or down to the nearest 
dollar plus past due amounts and any amount over your credit limit(s). However, if the New Balance is less than $10, you 
must pay the entire New Balance. If any of your APRs is over 23.49%, your Minimum Payment Due will be $15 plus any 
interest you owe for that billing cycle, any Cash Advance Fee, Rate Reduction Fee, Expedited Payment Fee, Skip Payment 
Fee, and Foreign Transaction Fee that has been charged during that billing cycle, any unpaid Minimum Payments Due from 
previous bills and any amount over your credit limit(s). 

For all Cards, we may let you skip a payment. We will tell you when you can skip a payment. If you skip a payment, you will 
owe the Skip Payment Fee and interest for the skipped billing cycle, you will lose any grace period that otherwise would 
apply, and you must pay the regular Minimum Payment Due for the next billing cycle. 

MAKING PAYMENTS 

You must follow the payment instructions  on your statement or otherwise provided.  If we let you pay at one of our 
branches, we will credit the payment as of the day we get it. If we let you pay by phone, online, mobile application  or other 
means, we will tell you when it will be credited. You must pay us in U.S. dollars.  We do not accept cash through the mail. We 
can accept late payments, partial payments or payments marked "payment in full" or with any other restrictive 
endorsement without losing any of our rights under this Agreement. 

HOW WE APPLY PAYMENTS 

We apply  your  Minimum  Payment  Due to pay  down  balances  on your  Account  in our  discretion,   unless  applicable   law  says 
we may not.  We apply  amounts  you  pay  that  exceed  the  Minimum  Payment  Due to balances  with  higher  APRs  before 
balances  with  lower  APRs. 

ABOUT OUR RELATIONSHIP  

LIABILITY FOR UNAUTHORIZED USE 

If your Card is lost or stolen or you believe someone is using your Card without your permission, contact us 
immediately. You will not be liable for any unauthorized  use that occurs after you notify us. Subject to applicable  law, you 
may be liable for unauthorized  use that occurs before your notice to us. Your liability,  if any, will not exceed $50. 

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AUTHORIZATION TO CONTACT YOU ABOUT YOUR ACCOUNT 

By providing  us with  your  home telephone  number,  cellular  telephone  number,  email  address  or other  contact  
information,   you authorize  us and our  affiliates,   agents  and third‐party   vendors  to contact  you using  any automatic 
telephone  dialing  system,  prerecorded  voice,  voicemail,  or messaging  service  or e‐mail  alert.  You agree  to notify  us 
promptly  if  any of your  contact  information   changes.  In addition,  you agree  that  we may also  contact  you at any telephone 
number  that  we may obtain  for  you in the future  using  any automatic  telephone  dialing  system,  prerecorded  voice, 
voicemail,   or messaging  service.  Any  complaint  received  via  e‐mail  may be responded  to in the  same  manner  to the  same 
address(es)  from  which  the e‐mail  was sent. 
INFORMATION ABOUT YOU AND YOUR CREDIT 

You authorize us to obtain and review your financial condition, credit report(s),  employment, income, and related 
information  and documentation  at any time and for any reason. You agree to help with this. We may provide information 
about you and your Account to credit reporting  agencies and others. We may provide information  to credit reporting 
agencies and others about this Account in the name of an Authorized  User. If you think we have or have provided 
information that is incorrect, write to us and list the specific information you believe is inaccurate. 

CLOSING YOUR ACCOUNT 

You  may close  your  Account.  Unless  applicable   law  says  we may not,  we may close,  suspend,  or not  renew  your  account  or 
not reissue  your  Card at our discretion  and without  notice.  You must follow  the closure  requirements  we tell  you.  You still 
have  to pay all  amounts  you owe us.  If  you are  not in default  when  your  Account  is closed,  you may pay off  the balance 
under  the terms  of this  Agreement  that  apply  at that  time. 

DEFAULT 

Subject to applicable laws, you are in default if: 

You file a bankruptcy petition or have a bankruptcy petition filed against you; 
We have reasonable belief that you are unable or unwilling to repay your obligations to us; 
You die, become legally incompetent or go to jail; 
You lose your Card or Checks (including if they are stolen); 
We find you no longer qualify for any APR or credit limit then in effect on your Account; or 
You fail to comply with the terms of this Agreement or any Agreement with us or an Affiliate,  including failing to 
make a payment when due, exceeding your credit limit (for the Optimizer, Platinum and Personal Line of Credit 
Cards only), using your Card or Account for an illegal transaction, or giving us false or incomplete credit 
information,  signatures,  or material representations. 

If you are in default, subject to applicable law, we may (1) suspend or terminate your credit privileges, (2) close your 
Account and/or (3) declare the entire balance of your Account immediately due and payable without notice. 

COLLECTION  COSTS 

We may charge you for costs we have to pay to collect what you owe after default. These costs may include reasonable 
fees to attorneys who are not our paid employees. We will not charge you for our collection costs if you owe us $300 or 
less or to the extent an applicable law says we may not. We will not charge attorneys' fees that exceed 15% of the unpaid 
debt in Colorado, Georgia, Kansas, Maine, Missouri, Montana, North Carolina, Oklahoma, Pennsylvania or South Carolina, 
20% of the amount due in New York or 25% of the unpaid debt in Louisiana.  We will not charge attorneys' fees if the 
principal amount you owe us is less than $1,000 in Idaho or Wyoming.  We will not charge collection costs other than 
attorneys' fees if you live in Colorado, Delaware, Idaho, Indiana, Kansas, Louisiana, Maine, Maryland, New York, North 
Carolina, Oklahoma, South Carolina or Wyoming. We will  charge attorneys'  fees in West Virginia  to realize  a security  
interest. 

OTHER  IMPORTANT  INFORMATION 

GOVERNING LAW 

This Agreement is governed by applicable federal law and by Alabama law, without regard to its conflicts of law 
provisions.  If your billing address is in the State of Maryland, to the extent, if any, that Maryland law applies to your 
account, we elect to offer your card account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 

OUR RIGHTS 

We may delay exercising  or not exercise  any rights under this Agreement  without  losing or waiving  any of them. . 

ASSIGNMENT 

We may sell, assign or transfer  your Account, this Agreement and our rights or duties under this Agreement or any portion 
of it without notice to you. You may not sell, assign or transfer  your Account or any of your rights or duties under this 
Agreement without first obtaining our prior written consent. 

SEVERABILITY/INTERPRETATION 

If any part of this Agreement is found to be invalid, the rest of it will remain in effect. It is not the intention of the parties that 
anything in this Agreement should result in the assessment (charge, collection,  or receipt) of interest,  fees or charges in 
excess of those permitted by applicable  law. If any interest,  fee or charge assessed under this Agreement is finally 
determined to be in excess of that permitted by applicable  law, the excess amount will be applied to reduce the  
outstanding  balance on your Account or, if there is no outstanding  balance, will be refunded to you. 

ENTIRE  AGREEMENT 

This Agreement constitutes  the final expression  of the credit agreement between you and us relating  to your Account and 
supersedes and may not be contradicted  by evidence of any prior or contemporaneous  oral credit agreement between you 
and us relating  to your Account. 

MILITARY LENDING ACT 

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of 
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may 
not exceed an annual percentage rate of 36 percent. 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). 

Notwithstanding any other provision of this Agreement, if you are a "covered borrower" under the Military Lending Act, as 
defined in 32 CFR º 232.3(g), the arbitration provisions in this Agreement shall not apply to you. Furthermore, nothing in this 
Agreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act. 

DISPUTE RESOLUTION 

ARBITRATION 

Either  you or we may ask to settle  disputes  by arbitration.   Arbitration   is a way of working  out disputes  without  going  to 
court.  If you or we ask for arbitration,   we would  all meet with  a person called  an arbitrator.  An arbitrator  is like  a referee  or 
a judge.  The arbitrator  will  listen  to what you and we have to say.  The arbitrator  will  decide  who is right.  The arbitrator's 
decision  is called  an award.  The party  who wins  the award  can take  it  to any court  that  could  have  heard  the dispute  and 
get an official judgment. Please read the rest of this section carefully. It explains how arbitration works. 

Some Legal Rights May Not Be Available in Arbitration: After any party asks for arbitration of a dispute, neither you nor 
we can ask a court to hear that dispute. There will be no jury trial of that dispute. You cannot be part of any class action 
relating to that dispute. The right to get information from each other and other procedures may be more limited in 
arbitration than in court. With a few limited exceptions, the arbitrator's award will be final and unchangeable. Other rights 
that you or we would have in a court also may not be available in arbitration. 

Page 4 of 7 

WHAT DISPUTES ARE COVERED 

Any dispute that arises from or relates to this Agreement, your Account and any transaction involving the Account will be   
settled by arbitration unless it is described below in "What Disputes Are Not Covered." This means that disputes about the   
following are covered: 

This Agreement, your Account or any transaction involving the Account; 
Any advertisement,  promotion or oral or written statement related to this Agreement or your Account; 
Any relationships that result from this Agreement (including, as far as applicable law will allow, relationships with 
third parties who are not parties to this Agreement or this arbitration provision); 
The validity, interpretation,  scope or enforceability of this Agreement (except for any challenge to the 
enforceability of this Dispute Resolution section or any dispute about the parts of this subsection (a) about class 
disputes); and 
Whether it is too late to settle a dispute because of any statute of limitations, estoppel, waiver, laches or similar 
legal rule. 

It doesn't matter whether the dispute is based on contract, fraud, tort, intentional tort, statute, regulation, constitution,  
common law, equity or otherwise. It also doesn't matter when the dispute began (whether before this Agreement, now or     
in the future). This arbitration provision will continue to apply after this Agreement ends and/or after you or we close the    
Account. 

WHAT DISPUTES ARE NOT COVERED 

This arbitration provision does not cover any dispute: (1) That you or we could take to a small claims court, which usually 
limits its cases based on the amount of the claim; or (2) about the parts of this arbitration provision that prohibit class 
disputes. 

NO CLASS DISPUTES 

UNLESS YOU LIVE IN NEW JERSEY, YOU CANNOT JOIN TOGETHER IN A DISPUTE WITH ANYONE OTHER THAN PEOPLE 
WHO USE YOUR ACCOUNT. EVEN IF OTHER PEOPLE HAVE DISPUTES SIMILAR TO A DISPUTE THAT YOU OR WE ASK TO 
ARBITRATE, THOSE PEOPLE AND THEIR DISPUTES CANNOT BE PART OF ANY ARBITRATION BETWEEN YOU AND US. 
YOU CANNOT ARBITRATE ANY DISPUTE ON A CLASS ACTION, PRIVATE ATTORNEY GENERAL OR OTHER 
REPRESENTATIVE BASIS. Only a court, and not an arbitrator, may decide whether this provision prohibiting class 
disputes can be enforced. 

WHO WILL ARBITRATE 

The American Arbitration Association ("AAA") or JAMS ADR ("JAMS") may arbitrate any dispute, or you and we may agree 
upon a different arbitrator. For more information about arbitration, contact the AAA (www.adr.org or 1-800-778- 7879) or 
JAMS (www.jamsadr.com or 1-800-352-5267). If for any reason the AAA or JAMS is unable or unwilling to arbitrate, or you 
and we cannot agree on an arbitrator,  we will use another national or regional arbitration group. The number of arbitrators 
will depend on the total dollar amount of all disputes by both you and us. If the total is $250,000 or less, one arbitrator  will 
hear the dispute(s). If the total is over $250,000, three arbitrators will hear the dispute(s). Each arbitrator must be an active 
member in good standing of the bar for any state in the continental United States, and either: (a) actively engaged in the 
practice of law for at least 5 years or (b) a retired judge. 

WHAT RULES APPLY 

The arbitration of any dispute will be conducted according to the rules of the arbitrator ("Rules").  If an arbitrator other than 
the AAA is chosen, the Rules of the AAA will be applied to any circumstance that is not addressed by the Rules of the 
chosen arbitrator. If the total of all disputes is $250,000 or less, we will use any expedited procedures in the Rules. If this 
Agreement and the Rules say something different, we will follow this Agreement and not the Rules. 

HOW TO START ARBITRATION 

Either you or we may start an arbitration  by giving written notice to the other party. At a minimum, this notice must 
describe the subject of the dispute and the result requested in arbitration by the party giving the notice. If you ask us to 
arbitrate, you can choose the AAA or JAMS, or suggest another national or regional arbitration group to arbitrate the 
dispute. If we ask you to arbitrate, we will give you 10 days to choose the AAA or JAMS, or to suggest another national or 
regional arbitration group. In either case, if you suggest an alternative to the AAA and JAMS, we will work with you to 
determine if you and we can agree on a different group or arbitrator.  If you and we are unable to agree, the arbitration  will 
be conducted by the AAA or, if the AAA is not available, by a similar arbitration group. The party asking for arbitration must 
file a notice with the arbitration  group following the Rules in effect at that time. 

WHEN A PARTY MAY ASK FOR ARBITRATION 

You or we may ask for arbitration before or after a lawsuit has been filed. You or we must ask for arbitration  within the 
statute of limitations  that would apply to the same dispute in court. If it is too late to resolve the dispute in court, it is also 
too late to resolve it in arbitration. 

WHAT THE ARBITRATOR(S) MUST DO 

Each arbitrator  must: 

Limit  discovery  to information   that  is directly  relevant  to the dispute  and is not considered  confidential   or 
otherwise  protected  from  being  made  public.  Discovery  is  the  process  by which  you  and we ask  each  other  for 
information  about the dispute; 
Make  decisions  and awards  based  on the  evidence  and applicable   substantive   law  and the  rules  of  evidence  used 
in federal  courts; 
Make  decisions  and awards  only  with  respect  to claims  made  by or against  you  individually; 
Give a brief  written  explanation  of the basis  for the award  upon request  of either  party;  and 
Make  specific  findings  of fact  and conclusions  of  law  to support  any award  greater  than  $25,000. 
Not make  any award  that  would  require  you and us to continue  any relationship   we may have  under  this 
Agreement  or otherwise. 

WHO PAYS FOR ARBITRATION 

There will  be costs for arbitration.   Contact  the AAA or other  arbitration  group  to find  out what  the arbitration  charges  will 
be.  You may have  to pay some of the arbitration   charges  unless  this  Agreement,  an applicable  law  or the Rules  say we 
must pay.  If the total  dollar  amount  of all  disputes  is $50,000  or less,  we will  pay that  portion  of the arbitration  filing  fee 
that  is more than the cost of filing  a lawsuit  in the federal  court  where  you live.  You can ask us to pay some or all  of the 
other  arbitration   charges  you have to pay,  but we don't  promise  to do as you ask.  At the end of the arbitration,   the 
arbitrator(s)   will  decide  who has to pay for  any arbitration   charges  that  are greater  than  those  we agreed  to pay.  The 
arbitrator(s)   also  may order  us to pay some or all  of your  attorneys,  expert  and witness  fees.  Unless  ordered  otherwise  by 
the arbitrator(s),   each of us must pay for its own attorneys,  expert  and witness  fees,  no matter  who wins. 

WHERE WILL ARBITRATION TAKE PLACE 

Any arbitration   will  take  place  in the federal  judicial  district  near your home.  Or, you and we could  agree  that  arbitration 
will  take  place somewhere  else. 

WHAT LAW APPLIES 

This  arbitration   provision  is made pursuant  to a transaction  involving  interstate  commerce.  The Federal  Arbitration   Act will 
apply  to the construction,   interpretation   and enforceability   of this  arbitration   provision  despite  any other  choice  of law 
provision  in this  Agreement. 

Page 5 of 7 

 
 
 
 
 
 
 
 
OTHER RIGHTS AND REMEDIES 

Nothing  in this  arbitration   provision  will  limit  certain  other  rights  you or we may have.  This means that  you or we could,  for 
example: 

Get an injunction,   which  is a court  order  to stop  someone  from  doing  something;  or 
File  an interpleader   action,  which  is a type  of lawsuit  used to decide  who owns property  that  more than  one 
person  claims  to own. 

If you or we do any of these  things  or take  part  in any other  court  case,  it does not affect  your  or our rights  under  this 
arbitration  provision. 

WHAT HAPPENS IF PART OR ALL OF THIS ARBITRATION PROVISION CANNOT BE ENFORCED 

Only a court and not an arbitrator can determine if any part of this arbitration  provision cannot be enforced. If a court with 
proper jurisdiction says that any part of the "No Class Disputes" subsection above (which prohibits arbitration of class 
disputes) cannot be enforced, then none of the arbitration section in this Agreement will apply, and this section will be 
considered deleted from the Agreement. If a court with proper jurisdiction  says that any other part of this arbitration 
provision cannot be enforced, then the rest of this arbitration subsection still will apply, including the "No Class Disputes" 
subsection above. 

WAIVER OF JURY TRIAL 

Unless you live in New Jersey, subject to applicable law, this provision limits your rights to a jury trial. You should 
review this section carefully. If you and we have any dispute related to this Agreement, your Account, or any 
transactions involving your Account and (i) neither you nor we seek to compel arbitration of the dispute, or (ii) some or 
all of the arbitration section is unenforceable and the dispute will be resolved in court, then you and we agree 
voluntarily and knowingly to waive any right each may have to a jury trial to the fullest extent permitted by law. 

ATTORNEYS'  FEES 

In any action  between  you and us in court,  the prevailing  party  will  be entitled  to receive  from  the other  party  an amount 
equal  to the reasonable  attorneys'  fees  the prevailing  party  incurred  in bringing  or defending  the court  action. 

DEFINITIONS 

Account ‐ Your arrangement with us for credit and other services under this Agreement. 

Agreement - The current  terms and conditions  of your Account  as contained  within  this document,  your Application,  your
Card Mailer,  any other  document  we provide  you that  indicates  it is part  of,  or amends the terms  and conditions  of your 
Account. 

Application ‐ The application  or solicitation   you signed,  submitted,  or otherwise  gave us to ask for the Account.  An 
application  could be written,  electronic,  or as otherwise  permitted  by law. 

Authorized User - Any person you authorize  to use your Account or a Card, whether you notify  us or not. 

Balance Transfers - A balance  from  another  creditor  paid  directly  by us and transferred  to your  Account.  If we approve 
your request,  we will  pay the other  creditor  directly.  Balance  Transfers  are Cash Advances,  except  that the APR for 
Purchases  (and  not the APR for  Cash Advances)  will  apply  to Balance  Transfers. 

Cash Advances ‐ The use  of  your  Account  to  obtain  cash  or  other  advances: 

From us or any participating   financial  institution   or automated  teller  machine  (ATM); 
By using   a Check; 
By purchasing items that can be traded right away for cash, such as wire transfers,  money orders, traveler's  
checks, lottery tickets or casino chips; 
By placing  bets or wagers  (if  legal)  or to make tax  or other  similar  payments;  or 
By getting  an advance  deposited  to a BBVA   checking  account  if  you  are  enrolled  in an overdra ft   protection  
program  under  a separate  agreement  with  us. 

Card ‐ Any access device for your Account we give you or an Authorized  User to obtain credit,  including  physical  cards, 
Account numbers, Checks and electronic  form factors or cryptologic  keys. 

Card	Mailer	‐ Account documentation  containing your Card, your initial or subsequent credit limit(s),  Account number(s), 
account opening disclosures  and pricing information,  or other information  about the terms and conditions of your 
Account. 

Check - Any check we send to you to access  your  Account.  Checks  are Cash Advances. 

Purchases ‐ the  use  of  your  Account  to  purchase  or  lease  goods  or services  from  participating   merchants. 

New Balance - The unpaid  balance  at the end of the billing  cycle. 

Minimum Payment Due - Minimum  amount of your payment.
Payment Due Date - The date  your  next  payment  is due. 

Payment Network - Visa,  MasterCard,  American  Express,  Discover,  and their  respective  payment  systems,  or any other
payment  system  that  is enabled  on, or otherwise  specified  for,  your  Account. 

Statement Date - The date of the statement. 

We, us, and our ‐ BBVA USA  and anyone  to whom  we give  or sell  your  Account.  BBVA  is a trade  name of BBVA USA,  a 
member  of  the  BBVA  Group. 

You, your, and yours ‐ You and any other  person(s)  who are  contractually   liable  under  this  Agreement,  including  joint 
applicants  and joint  Account  holders. 

Page 6 of 7 

SIGNATURES  

NOTICE TO THE BUYER - DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS 
ANY BLANK SPACE. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS AGREEMENT. 

RETAIL INSTALMENT  CREDIT AGREEMENT 
You: Any handwritten,  electronic or digital signature provided by you or any person whom you allow to use the Account 
on any document in connection with opening or using your Account serves as your signature on this Agreement.  Your 
name and primary (i.e., residential street) address on your Application (including any oral or electronic application or 
request for credit) or on the Card Mailer sent with your Card serves as your name and address on this Agreement.  The 
date of your Application is the date of your signature for purposes of this Agreement. 

Bank: We have signed this Agreement as follows: 

/s/ A. Smith 
A. Smith 
Vice President 
BBVA 
BBVA USA Card Center, P.O. Box 2210, Decatur, Alabama 35699-0001 

California Residents: You understand  and agree that interest  is compounded under the terms of this Agreement. 

New Jersey Residents: Because  certain  provisions  of this  Agreement  are subject  to applicable  law,  they  may be void, 
unenforceable  or inapplicable   in some jurisdictions.   None of these  provisions,   however,  is void,  unenforceable  or 
inapplicable   in New Jersey. 

Vermont Residents Optimizer Card: To have an Optimizer  Card Account,  you must maintain  a deposit  account  as security 
for  this  credit  card  account,  and you shall  grant  us a security  interest  in this  deposit  account. 

Washington Residents: Pursuant to Washington Revised Code Section 63.14.167, you are not responsible for payment of 
any service charge resulting from the merchant's failure to transmit to us within seven working days a credit for goods or 
services accepted for return or forgiven if you have 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. 

Ohio Residents: The Ohio laws against discrimination  require that all creditors make credit equally available to all credit 
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. 
The Ohio civil rights commission administers compliance with this law. 

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 Statement 

If you think there is an error on your statement, write to us at the payment address shown on your bill. 

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 bill, 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 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 bill 

is correct. 

While we investigate whether or not there has been an error: 

We cannot try to collect any amount in question, or report you as delinquent on that amount. 
The charge in question may remain on your 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 will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount that 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 bill 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 bill. 
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 bill 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 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 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 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 payment 
address shown on your bill. 

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. 

Page 7 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
        BBVA Optimizer Credit Card Account Pricing Information as of July 11, 2019 

This pricing information is accurate as of the date listed above, but may have changed after that date. You can 
always find out the most current pricing information by contacting us at: BBVA USA, P.O. Box 2210, Decatur,  AL 
35699 or 1-800-239-5175. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Prime* + 18.99% 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Prime* + 18.99% 
This APR will vary with the market based on the Prime Rate. 

Prime* + 27.99% 
This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle.  We will not 
charge you interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

Minimum Interest Charge 

If you are charged interest on purchases, the charge will be no less than $1. 

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 

Transaction Fees 

$40 

 Cash Advance
 Balance Transfer
 Foreign Transaction

Either $10 or 4% of the amount of each cash advance, whichever is greater 
Either $10 or 4% of the amount of each transfer, whichever is greater 
3% of each transaction in U.S. dollars 

Penalty Fees 

 Late Payment
 Returned Payment

Up to $37 
Up to $27 

How We Will Calculate Your Balance: We use a method called “daily balance.” See account agreement for 
more details. 

*For each billing cycle, we use the Prime Rate from The Wall Street Journal two business days before the
Statement Date for that billing cycle. Your APRs may increase if the Prime Rate increases. If your APRs increase, 
the amount of interest you will owe and the Minimum Payment Due may increase. 

BBVA is a trade name of BBVA USA, a member of the BBVA Group. 

F03-X963-7 B rev 06/2019RB