Common use of Daily Allocations During the Revolving Period Clause in Contracts

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 1998-7 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 1998-7 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-7

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19982001-7 4 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19982001-7 4 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-7the

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19982001-7 3 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19982001-7 3 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,730,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19982001-73

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981999-7 2 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981999-7 2 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,390,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981999-72

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 9 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 9 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,050,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-79

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 1998-7 1999-_ Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 1998-7 1999-_ Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 ________ to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-71999-_ Certificates. Notwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, the Servicer shall be required to allocate to the Series 1999-_ Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1999-_ Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections and Excess Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, that the amount to be paid to the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than the Minimum Transferor Interest (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that on and after the Calculation Date if the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance Charge Deficit"), an amount not to exceed the product of (x) the sum of the Class B Floating Allocation Percentage and the Excess Collateral Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") with respect to the then current Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During --------------------------------------------- the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981996-7 6 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981996-7 6 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In additionNotwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the Closing immediately succeeding Reversion Date, the Transferor Servicer shall make a deposit be required to allocate to the Finance Charge Account in an amount equal to $1,990,000 to be applied as Series 1996-6 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables allocated and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 19981996-76 Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections and Excess Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, that the amount to be paid to the Transferor -------- ------- pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than zero (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that -------- ------- ------- on and after the Calculation Date if the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance ------- Charge Deficit"), an amount not to exceed the product of (x) the sum of -------------- the Class B Floating Allocation Percentage and the CIA Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") --------------------------------- with respect to the then current Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 1998-7 8 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 1998-7 8 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,340,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-78

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 10 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 10 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 2,070,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-710

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 8 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 8 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 2,310,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-78

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 1 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 1 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 2,100,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-71

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 3 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in retainin the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 3 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,200,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-73

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981999-7 1 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981999-7 1 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 2,830,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981999-71

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,530,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-7

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 1998-7 1 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 1998-7 1 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-71,800,000 to

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving --------------------------------------------- Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981999-7 A Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or and (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981999-7 A Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 0 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981999-7A Certificates. Notwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, the Servicer shall be required to allocate to the Series 1999-A Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1999-A Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, that the amount to be paid to -------- ------- the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than the Minimum Transferor Interest (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that on -------- ------- ------- and after the Calculation Date if the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the Monthly Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance Charge -------------- Deficit"), an amount not to exceed the product of (x) the sum of the Class ------- B Floating Allocation Percentage and the Collateral Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") with respect to --------------------------------- the then current Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19982001-7 2 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19982001-7 2 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,940,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19982001-72

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981999-7 B Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or and (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, ---- the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981999-7 B Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 260,000 to be applied as Collections of ------- Finance Charge Receivables allocated to the Series 19981999-7B Certificates. Notwithstanding the foregoing, (A) on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, and (B) for any Monthly Period where Monthly Interest cannot be calculated prior to the end of such Monthly Period, the Servicer shall be required to allocate to the Series 1999-B Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1999-B Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, that the amount to be paid to -------- ------- the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than the Minimum Transferor Interest (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that on -------- ------- ------- and after the Calculation Date if the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the Monthly Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly ---- Servicing Fee) (the amount of such shortfall, the "Finance Charge -------------- Deficit"), an amount not to exceed the product of (x) the sum of the Class ------- B Floating Allocation Percentage and the Collateral Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") with respect to --------------------------------- the then current Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 2 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 2 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,200,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-72

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981996-7 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981996-7 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 600,000 to be applied as Collections of Finance Charge Receivables allocated to Series 1996-7. Notwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, the Servicer shall be required to allocate to the Series 19981996-77 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1996-7 Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections and Excess Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, that the amount to be paid to -------- ------- the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than zero (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that on and after the Calculation Date if the -------- ------- ------- amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance Charge Deficit"), an amount not to exceed the product of (x) the ---------------------- sum of the Class B Floating Allocation Percentage and the CIA Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") with --------------------------------- respect to the then current Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981997-7 4 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981997-7 4 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 1,200,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 19981997-74

Daily Allocations During the Revolving Period. During the ---------------------------------------------- Revolving Period, the Servicer shall, on or prior to the close of business on each the second Business Day following any Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 1998-7 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to [__________] Holders the product of (x) the Floating Allocation Percentage on such Date of Processing and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or and of that allocation, deposit and retain in the Collection Account [(BA) on and after each such Calculation prior to the [LIBOR] Determination Date to and including the last day of occurring in such Monthly Period, the lesser of (x) an amount equal to the product of (1v) the Floating Allocation Percentage on such Date of Processing and (2w) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (yB) on and after such [LIBOR] Determination Date,] an amount equal to the excess of difference between (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the related Distribution Date following the then current Monthly Period (plus, if the Transferor The Travelers Bank is not the Servicer, the Investor Monthly Servicing FeeFee for such Monthly Period) over and (2) the amounts previously deposited in the Finance Charge Collection Account with respect to the current such Monthly Period pursuant to this subsection 4.05(b)(i(a)(i); (ii) Allocate to the Series [__________] Holders an amount equal to the product of (A) the Principal Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing, which amount shall be first, if any other Principal Sharing Series is outstanding and in its Amortization Period or Accumulation Period (as such terms are defined in the Agreement), retained in the Collection Account for application, to the extent necessary, as Shared Principal Collections in accordance with Section 4.04 of the Agreement. On Agreement to other Series on the related Distribution Date, and second paid to the Holders of the Transferor Certificates; provided however, that the amount to be paid to the Holders of the Transferor Certificates pursuant to this subsection 4.1(a)(ii) on any Date of Processing shall be paid to such Holders only if the Transferor Amount on such Date of Processing is greater than the Required Transferor Amount and an amount equal to the product of (I) the aggregate amount of Principal Receivables and (II) one minus the Discount Percentage is greater than the Required Principal Balance (after giving effect to all Principal Receivables transferred to the Trust on such day and any amounts deposited in the Excess Funding Account on such day) and otherwise shall be deposited in the Excess Funding Account until the Transferor Amount is greater than the Required Transferor Amount and an amount equal to the product of (I) the aggregate amount of Principal Receivables and (II) one minus the Discount Percentage is greater than the Required Principal Balance and applied in accordance with Section 4.02 of the Agreement and the remainder shall be paid to the Holders of the Transferor Certificates; provided further, however, that if and for so long as the Class C Invested Amount is less than the Required Class C Invested Amount during a Monthly Period, an amount equal to the sum of (x) the Class C Principal Percentage of the product of the Principal Allocation Percentage and the aggregate amount of Collections of Principal Receivables and (y) the Class B Principal Percentage of the product of the Principal Allocation Percentage and the aggregate amount of Collections of Principal Receivables ("Subordinate Principal Collections") on each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated with respect to the Series 1998-7 Certificates in excess of the amount required to such Monthly Period shall be deposited and retained in the Finance Charge Collection Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 to be applied as Collections of Finance Charge Receivables allocated to the Series 1998-7during such Monthly Period.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981999-7 4 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981999-7 4 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 400,000 to be applied as Collections of Finance Charge Receivables allocated allo- cated to the Series 19981999-74 Certificates. Notwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, the Servicer shall be required to allocate to the Series 1999-4 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1999-4 Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections and Excess Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, -------- ------- that the amount to be paid to the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than the Minimum Transferor Interest (after giving effect to all Principal Receivables transferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, -------- further, however, that on and after the Calculation Date if the amounts ------- ------- previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance Charge -------------- Deficit"), an amount not to exceed the product of (x) the sum of the Class ------- B Floating Allocation Percentage and the Excess Collateral Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal --------------------- Collections") with respect to the then current Monthly Period will be ----------- deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.

Daily Allocations During the Revolving Period. During the ---------------------------------------------- --------------------------------------------- Revolving Period, the Servicer shall, prior to the close of business on each Date of Processing, allocate the following amounts as set forth below: (i) Allocate to the Series 19981996-7 8 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account (A) prior to the Calculation Date in each Monthly Period an amount equal to the product of (x) the Floating Allocation Percentage and (y) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing, or (B) on and after each such Calculation Date to and including the last day of such Monthly Period, the lesser of (x) the product of (1) the Floating Allocation Percentage and (2) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing and (y) the excess of (1) the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) over (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to this subsection 4.05(b)(i) of the Agreement. On each Date of Processing on and after each Calculation Date, Collections of Finance Charge Receivables allocated to the Series 19981996-7 8 Certificates in excess of the amount required to be deposited and retained in the Finance Charge Account as provided above shall be held by the Servicer and applied in accordance with subsection 4.05(f) of the Agreement. In addition, on the Closing Date, the Transferor shall make a deposit to the Finance Charge Account in an amount equal to $1,990,000 500,000 to be applied as Collections of Finance Charge Receivables allocated to Series 1996-8. Notwithstanding the foregoing, on each Date of Processing from and including each Daily Deposit Date to but excluding the immediately succeeding Reversion Date, the Servicer shall be required to allocate to the Series 19981996-78 Certificateholders the Floating Allocation Percentage of Collections of Finance Charge Receivables and deposit and retain in the Finance Charge Account an amount equal to the product of (i) the Floating Allocation Percentage and (ii) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. (ii) Allocate to the Series 1996-8 Certificateholders an amount equal to the product of (A) the Floating Allocation Percentage on such Date of Processing and (B) the aggregate amount of Collections of Principal Receivables on such Date of Processing and pay such amount to the Transferor subject to the obligation of the Transferor to make an amount equal to the Reallocated Principal Collections and Excess Principal Collections for such Monthly Period available on the related Transfer Date in accordance with subsection 4.05(f) of the Agreement; provided, however, -------- ------- that the amount to be paid to the Transferor pursuant to this subsection 4.05(b)(ii) of the Agreement on any Date of Processing shall be paid only if the Transferor Interest on such Date of Processing is greater than zero (after giving effect to all Principal Receivables trans ferred to the Trust on such Date of Processing and after giving effect to Collections of Principal Receivables on such Date of Processing) and otherwise shall be deposited in the Collection Account and applied in accordance with subsection 4.03(f) of the Agreement; provided, further, however, that on -------- ------- ------- and after the Calculation Date if the amounts previously deposited in the Finance Charge Account with respect to the current Monthly Period pursuant to subsection 4.05(b)(i) of the Agreement are less than the sum of the Monthly Interest, the Interest Shortfall and the Default Interest for the Distribution Date following the then current Monthly Period (plus, if the Transferor is not the Servicer, the Investor Monthly Servicing Fee) (the amount of such shortfall, the "Finance Charge Deficit"), an amount not to ---------------------- exceed the product of (x) the sum of the Class B Floating Allocation Percentage and the CIA Floating Allocation Percentage and (y) the Collections of Principal Receivables on any such Date of Processing ("Subordinate Principal Collections") with respect to the then current ----------------------------------- Monthly Period will be deposited into the Principal Account on a daily basis during such Monthly Period in an aggregate amount not to exceed the Finance Charge Deficit; at such time as the Finance Charge Deficit is equal to zero, such amounts may be released from the Principal Account and paid to the holder of the Exchangeable Transferor Certificate, subject to the preceding proviso.