exhibit 10. 2 execution verison second amended and restated independent sales organization sponsorship and services agreement between evertec group, llc and banco popular de puerto rico, dated as of july 1, 2022 dated as of july 1, 2022 table of contents page article i definitions and interpretational provisions 2 section 1. 1 certain definitions 2 section 1. 2 interpretational provisions 20 article ii evertec responsibilities 20 section 2. 1 evertec responsibilities – general 20 section 2. 2 merchant transaction and fee settlement 24 section 2. 3 merchant chargeback responsibilities 24 section 2. 4 merchant acquiring improvement team 24 section 2. 5 merchant agreements 25 section 2. 6 telecommunications links 26 section 2. 7 reports to bppr 27 section 2. 8 notices ; legal proceedings 27 section 2. 9 [ omitted ] 27 section 2. 10 ffiec / pci compliance 27 section 2. 11 hold account 28 section 2. 12 merchant reserve account 28 section 2. 13 security interest in accounts 28 section 2. 14 subcontractors ; third - party vendors 29 section 2. 15 business continuity plan 29 section 2. 16 merchant referral 30 article iii bppr responsibilities 30 section 3. 1 bppr responsibilities – general 30 section 3. 2 merchant referral and assistance 32 section 3. 3 settlement responsibilities 33 section 3. 4 [ omitted ] 35 section 3. 5 servicing and monitoring of merchant card accounts 35 section 3. 6 compliance with legal requirements 36 section 3. 7 settlement risk 36 section 3. 8 notices ; legal proceedings 36 article iv exclusivity 36 section 4. 1 bppr as acquiring member 36 section 4. 2 evertec obligations 37 section 4. 3 general 37 article v confidentiality, privacy & data protection 38 section 5. 1 confidential information 38 page page article i definitions and interpretational provisions 2 2 section 1. 1 section 1. 1 certain definitions certain definitions 2 2 section 1. 2 section 1. 2 interpretational provisions interpretational provisions 20 20 article ii evertec responsibilities 20 20 section 2. 1 section 2. 1 evertec responsibilities – general evertec responsibilities – general 20 20 section 2. 2 section 2. 2 merchant transaction and fee settlement merchant transaction and fee settlement 24 24 section 2. 3 section 2. 3 merchant chargeback responsibilities merchant chargeback responsibilities 24 24 section 2. 4 section 2. 4 merchant acquiring improvement team merchant acquiring improvement team 24 section 2. 5 section 2. 5 merchant agreements merchant agreements 25 25 section 2. 6 section 2. 6 telecommunications links