Common use of Billing and Payments Clause in Contracts

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June 2020 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO Scores The following table sets forth the composition of the Accounts as at June 30, 2020 by FICO score ranges. To the extent available, FICO scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO Scores(1)(2) (unaudited) As at June 30, 2020 FICO Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.4% 40.9% 700 to 759 ...................................................................................... 13.8% 29.5% 660 to 699 ...................................................................................... 5.6% 14.7% 560 to 659 ...................................................................................... 4.3% 11.6% Less than 560 or no score............................................................... 2.9% 3.3% Totals ............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1819% per annum for the month of June 2020 December, 2022 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30December 31, 2020 2022 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30December 31, 2020 FICO 2022 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.474.6% 40.947.4% 700 to 759 ...................................................................................... 13.8759....................................................................................... 13.0% 29.527.2% 660 to 699 ...................................................................................... 5.6699....................................................................................... 5.1% 14.712.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.1% 11.610.1% Less than 560 or no scorescore ............................................................... 2.93.2% 3.32.7% Totals ............................................................................................. Totals.............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1820% per annum for the month of June 2020 2023 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30, 2020 2023 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30, 2020 FICO 2023 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.0% 40.947.2% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.6% 29.526.9% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.9% 14.712.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.1% 11.610.4% Less than 560 or no scorescore ............................................................... 3.4% 2.9% 3.3% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June 2020 December 2019 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO Scores The following table sets forth the composition of the Accounts as at June 30December 31, 2020 2019 by FICO score ranges. To the extent available, FICO scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO Scores(1)(2) (unaudited) As at June 30December 31, 2020 2019 FICO Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.471.3% 40.942.1% 700 to 759 ...................................................................................... 13.8759....................................................................................... 13.9% 29.527.6% 660 to 699 ...................................................................................... 5.6699....................................................................................... 6.0% 14.714.3% 560 to 659 ...................................................................................... 4.3659....................................................................................... 5.3% 11.612.3% Less than 560 or no scorescore ............................................................... 2.93.5% 3.33.7% Totals ............................................................................................. Totals.............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1819% per annum for the month of June 2020 March 2024 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30March 31, 2020 2024 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30March 31, 2020 FICO 2024 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.4% 40.945.0% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.2% 29.527.7% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.8% 14.713.0% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.0% 11.610.9% Less than 560 or no scorescore ............................................................... 2.93.6% 3.33.4% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1820% per annum for the month of June 2020 2024 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30, 2020 2024 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30, 2020 FICO 2024 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.7% 40.946.6% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.1% 29.527.2% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.7% 14.712.4% 560 to 659 ...................................................................................... 4.3659....................................................................................... 3.9% 11.610.5% Less than 560 or no scorescore ............................................................... 2.93.6% 3.3% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1819% per annum for the month of June 2020 September 2023 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June September 30, 2020 2023 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June September 30, 2020 FICO 2023 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.0% 40.946.5% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.6% 29.527.1% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.9% 14.712.8% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.1% 11.610.6% Less than 560 or no scorescore ............................................................... 2.93.4% 3.33.0% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June December 2020 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30December 31, 2020 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30December 31, 2020 FICO FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.0% 40.945.3% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.9% 29.528.2% 660 to 699 ...................................................................................... 5.6699....................................................................................... 5.0% 14.713.2% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.1% 11.610.6% Less than 560 or no scorescore ............................................................... 2.93.0% 3.32.7% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June March 2020 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO Scores The following table sets forth the composition of the Accounts as at June 30March 31, 2020 by FICO score ranges. To the extent available, FICO scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO Scores(1)(2) (unaudited) As at June 30March 31, 2020 FICO Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.472.1% 40.937.7% 700 to 759 ...................................................................................... 13.813.6% 29.5% 660 to 699 ...................................................................................... 5.65.8% 14.715.4% 560 to 659 ...................................................................................... 4.35.1% 11.613.4% Less than 560 or no score............................................................... 2.93.4% 3.34.0% Totals ............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1820% per annum for the month of June 2020 December 2023 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30December 31, 2020 2023 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30December 31, 2020 FICO 2023 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.475.1% 40.946.6% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.5% 29.527.2% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.8% 14.712.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.0% 11.610.5% Less than 560 or no scorescore ............................................................... 2.93.6% 3.33.1% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedreceived (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1819% per annum for the month of June 2020 December, 2021 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30December 31, 2020 2021 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30December 31, 2020 FICO 2021 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.476.6% 40.950.0% 700 to 759 ...................................................................................... 13.8759....................................................................................... 12.1% 29.527.0% 660 to 699 ...................................................................................... 5.6699....................................................................................... 4.5% 14.711.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 3.3% 11.68.8% Less than 560 or no scorescore ............................................................... 2.93.5% 3.32.6% Totals ............................................................................................. Totals.............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of QuebecQuebec or is a small business credit card account, by adding the amount of any outstanding periodic finance charges plus other fees outstanding (excluding any installment plan interest or monthly fees) plus $10, plus any monthly installment plan payments due that statement; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on by adding any monthly installment plan payments due that statement, plus a percentage of the account’s other total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 20242025 for Accounts opened prior to August 1, 2019, and which is 5% for Accounts opened on or after August 1, 2019). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is receivedprocessed by the Seller (subject to any applicable interest-free grace period on new purchases and fees). No interest is assessed on new purchases (except those converted to installment plans) and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. For purchases converted to installment plans, interest (if applicable) will be assessed at the rate and in the manner the cardholder agreed to when they signed up for the installment plan (no interest is charged if a new installment plan is paid off in full before its first payment due date). The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 1819% per annum for the month of June 2020 March 2023 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than with at least 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June 30March 31, 2020 2023 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June 30March 31, 2020 FICO 2023 FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.474.6% 40.947.4% 700 to 759 ...................................................................................... 13.8759....................................................................................... 13.0% 29.527.2% 660 to 699 ...................................................................................... 5.6699....................................................................................... 5.1% 14.712.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 4.1% 11.610.1% Less than 560 or no scorescore ............................................................... 2.93.2% 3.32.7% Totals ............................................................................................. .............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June September 2020 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO FICO® Scores The following table sets forth the composition of the Accounts as at June September 30, 2020 by FICO FICO® score ranges. To the extent available, FICO FICO® scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO FICO® score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO FICO® scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO FICO® score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO FICO® scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO FICO® score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO FICO® Scores(1)(2) (unaudited) As at June September 30, 2020 FICO FICO® Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.474.7% 40.943.9% 700 to 759 ...................................................................................... 13.812.9% 29.528.6% 660 to 699 ...................................................................................... 5.65.2% 14.713.6% 560 to 659 ...................................................................................... 4.34.2% 11.611.1% Less than 560 or no score............................................................... 2.93.0% 3.32.8% Totals ............................................................................................. 100.00% 100.00%

Billing and Payments. The Accounts have various billing and payment structures, including varying periodic finance charges and fees. The following is information on the current billing and payment characteristics of the Accounts. With limited exceptions (for example, where there is no outstanding balance on a cardholder’s credit card account), monthly billing statements are sent by the Seller to cardholders at the end of the billing period. Each month, the cardholder is required to make at least the minimum payment indicated on the monthly billing statement. The minimum payment amount is typically calculated by one of two methods: (1) where the cardholder (or if held jointly, all cardholders) on the credit card account reside(s) outside the province of Quebec, by adding the amount of any outstanding periodic finance charges plus other fees outstanding plus $10; or (2) for accounts held individually or jointly by any person resident in the province of Quebec, based on a percentage of the account’s total outstanding balance (which percentage will be gradually increasing from 2.5% to 5% between August 1, 2019 and August 1, 2024). In all cases, a balance of $10 or less on a monthly billing statement must be paid in full. The full amount of any unpaid minimum payment required in respect of preceding monthly billing statements, will also be added to the minimum payment for a billing period. A periodic finance charge is assessed on Accounts at the annual interest rates specified at the time each Account is opened and from time to time thereafter in the monthly billing statements relating to such Account. Periodic finance charges and fees are charged on balances for purchases, cash advances and fees starting from the transaction date until the date the payment is received. No interest is assessed on purchases and fees as long as the total new balance which is owed for the month is paid in full by the payment due date, and for small business credit cards only, the total new balance for the previous month was also paid in full by that month’s statement’s payment due date. The periodic finance charges for any month are calculated on a daily basis by multiplying each daily periodic finance charge bearing closing balance by the equivalent daily rate for the applicable annual rate. The average periodic finance charge on the Accounts relating to cash advances and purchases of goods and services was 18% per annum for the month of June 2020 September 2019 (excluding introductory interest rates). The Seller may change the periodic finance charge on the various types of Accounts at any time by not less than 30 days’ written notice to the cardholders. The Seller may assess an annual or membership fee that varies depending on the type of Account. Payments by cardholders to the Servicer on the Accounts are processed and applied first to the minimum payment, then to any remaining balance. If the different amounts that make up the remaining balance are subject to different interest rates, the payments are generally allocated on a pro rata basis. There can be no assurance that fees and other charges will remain at current levels. FICO Scores The following table sets forth the composition of the Accounts as at June September 30, 2020 2019 by FICO score ranges. To the extent available, FICO scores calculated by TransUnion or Equifax are obtained at origination and by TransUnion, quarterly thereafter. A FICO score is a measurement that uses information collected by the major Canadian credit bureaus to assess consumer credit risk. FICO scores rank-order consumers according to the likelihood that their credit obligations will not be paid in accordance with the terms of their accounts. Although TransUnion and Equifax disclose only limited information about the variables they use to assess credit risk, those variables likely include, but are not limited to, debt level, credit experience, payment patterns (including delinquency history), and level of utilization of available credit. An individual’s FICO score may change over time, depending on the conduct of the individual, including the individual’s usage of his or her available credit, payment patterns and changes in credit score technology used by TransUnion and Equifax. FICO scores are based on independent, third-party information, the accuracy of which the Trust cannot verify. The Seller does not use standardized credit scores, such as a FICO score, alone for the purpose of credit adjudication. The information presented in the table below should not be used alone as a method of forecasting whether cardholders will make payments in accordance with the terms of their Credit Card Agreements. Since the future composition of the Accounts may change over time, the following table is not necessarily indicative of the composition of the Accounts at any specific time in the future. FICO Scores(1)(2) (unaudited) As at June September 30, 2020 2019 FICO Scores Percentage of Total Accounts Percentage of Balance Outstanding 760 and above ................................................................................ 73.471.0% 40.941.3% 700 to 759 ...................................................................................... 13.8759....................................................................................... 14.0% 29.527.8% 660 to 699 ...................................................................................... 5.6699....................................................................................... 6.1% 14.714.6% 560 to 659 ...................................................................................... 4.3659....................................................................................... 5.4% 11.612.6% Less than 560 or no scorescore ............................................................... 2.93.5% 3.33.7% Totals ............................................................................................. Totals.............................................................................................. 100.00% 100.00%