Common use of Additional Disclosures Required by Federal Law Clause in Contracts

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.25%, and depending on your creditworthiness, the Margin will range from 5.40% to 14.90%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging between

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.254.25%, and depending on your creditworthiness, the Margin will range from 5.406.15% to 14.9015.65%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging betweenbetween 0.867 to 1.658%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) from 10.40% to 19.90%

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.258.50%, and depending on your creditworthiness, the Margin will range from 5.40% to 14.90%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging betweenbetween 1.158% to 1.950%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) from 13.90% to 23.40%

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.253.50%, and depending on your creditworthiness, the Margin will range from 5.406.40% to 14.9015.90%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging betweenbetween 0.825 to 1.617%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) from 9.90% to 19.40%.

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.255.00%, and depending on your creditworthiness, the Margin will range from 5.405.90% to 14.9015.40%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging betweenbetween 0.960 to 1.797%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) from 10.90% to 20.40%

Additional Disclosures Required by Federal Law. Finance Charges: Your account is subject to a variable rate. The ANNUAL PERCENTAGE RATE (APR) will be calculated by adding a Margin to the Prime Rate as published in the “Money Rates” section of the Wall Street Journal (the “Index”) on the 1st day of January and July of each year. The rate for this account will change on the 1st day of the month following a change in the Index. At the time your account was opened, the Index was 3.255.50%, and depending on your creditworthiness, the Margin will range from 5.40% to 14.90%. As such, Purchases, Balance Transfers and Cash Advances made on your Account will be subject to a FINANCE CHARGE at a Monthly Periodic Rate ranging betweenbetween 0.908 to 1.700%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) from 10.90% to 20.40%