Common use of Finance Charges and Other Fees Clause in Contracts

Finance Charges and Other Fees. Except (i) as otherwise required by any ------------------------------ Requirements of Law or (ii) as is consistent with the provisions of the Transfer and Servicing Agreement and all Supplements thereto and as is deemed by FCNB to be advisable for the charge account program based on a good faith assessment by FCNB of the various factors impacting the use of FCNB charge accounts, FCNB shall not reduce at any time (x) the Finance Charges assessed in respect of any Accounts or (y) any other fees charged on any of the Accounts, if as a result of any such reduction, FCNB's reasonable expectation of the Portfolio Yield as of such date would be less than the highest of the Base Rates for the Notes then outstanding.

Finance Charges and Other Fees. Except (i) as otherwise required by ------------------------------ any ------------------------------ Requirements of Law or (ii) as is consistent with the provisions of the Transfer and Servicing Agreement and all Supplements thereto and as is deemed by FCNB to be advisable for the charge account program based on a good faith assessment by FCNB of the various factors impacting the use of FCNB charge accounts, FCNB shall not reduce at any time (x) the Finance Charges assessed in respect of any Accounts or (y) any other fees charged on any of the Accounts, if as a result of any such reduction, FCNB's reasonable expectation of the Portfolio Yield as of such date would be less than the highest of the Base Rates for the Notes then outstanding.

Finance Charges and Other Fees. Except (i) as otherwise required by any ------------------------------ Requirements of Law or (ii) as is consistent with the provisions of the Transfer and Servicing Agreement and all Supplements thereto and as is deemed by FCNB to be advisable for the charge account program based on a good faith assessment by FCNB of the various factors impacting the use of FCNB charge accounts, FCNB shall not reduce at any time (x) the Finance Charges assessed in respect of any Accounts or (y) any other fees charged on any of the Accounts, if as a result of any such reduction, FCNB's reasonable expectation of the Portfolio Yield as of such date would be less than the highest of the Base Rates for the Notes then outstanding.

Finance Charges and Other Fees. Except (i) as otherwise required ------------------------------ by any ------------------------------ Requirements of Law or (ii) as is consistent with the provisions of the Transfer and Servicing Agreement and all Supplements thereto and as is deemed by FCNB to be advisable for the charge account program based on a good faith assessment by FCNB of the various factors impacting the use of FCNB charge accounts, FCNB shall not reduce at any time (x) the Finance Charges assessed in respect of any Accounts or (y) any other fees charged on any of the Accounts, if as a result of any such reduction, FCNB's reasonable expectation of the Portfolio Yield (as defined in the Servicing Agreement) as of such date would be less than the highest of the Base Rates (as defined in the Servicing Agreement) for the Notes Certificates then outstanding.